It could be that you are a big bowl of sunshine. :) Or it could be that Capital One has changed their tune since this article was written many years ago. Hard to say. But being polite never hurts, that's for sure.
I just had my interest rate on a CapitalOne card lowered by 8% for seven months. I called and was nice. Talked to two people and they gave me the little reprieve. Is this a new policy or am I just that nice?
My step-dad just bought our pre-schooler a piggy bank. We never paid him before for chores because I don't feel that he should need an incentive. However, I do believe in teaching him how to manage his money wisely and save. So we decided that he'll have three chances a day to get paid. His chores are to put the clean silverware away and to feed the cats in the morning and then at night. We told him that if he could remember to do his chores without us telling him to do so then he would get paid 5 cents for each one. If we had to remind him (after giving him reasonable time to remember) then he would have to do the chore still and not get paid. There are some things that he will never be paid for though such as: putting his toys away after he's finished with them, helping mommy/daddy when we ask, cleaning his room, taking his dishes to the sink and putting his clothes away in the dirty laundry. He needs to learn how to manage/save his very own money and also he needs to learn that he is still a responsible family team member and there are still things that are expected from all of us.
Oh boy. I fall under a few too many of those categories. I'm just tired of feeling like there must be something better out there only to find that all job descriptions in my industry sound the same.
I really wish I had the room to grow squash so that I could try this. I was visiting my hometown recently, where the yards are much larger than in urban Seattle, and I kept seeing plots of squash with DOZENS of squash flowers. I was so jealous! Squash flowers are a delicacy that cost more than $0.50/piece at our local farmers markets!
Broccoli stems can also be peeled and eaten raw. Once the thick, leathery skin is off, the heart is refreshing and delicious, more crisp than cucumber with a hint of broccoliness.
I found this article because I just ate some sauteed young squash leaves today, and they were quite tasty. I think some squash leaves are tastier than others: this was Lare Pumpkin, a rare African squash I got from Richters.com.
Yes. In addition to my full-time job, I do freelance illustrating, take clothes to a consignment shop, and sell things on eBay. We have to do all we can while my husband's not working.
Sources of income:
(1) Military retirement
(2) VA benefit
(3) Federal job
(4) Licensed real estate agent (not using; no current income)
(5) Notary public (using but not charging anyone; can use for income if needed)
Ditto above for husband (minus the notary public)
When we retire we each hope to add the following incomes:
(1) Federal job pensions
(2) Social security payments
(3) Retirement investments
Meg, I think we had very similar childhoods. I grew up near a small dump from the late 1800's and early 1900's. "Trash" back then was practically treasure by the 1970's and 80's. I loved digging around and seeing what I could uncover.
The best thing to do is to take your monthly payment, divide it by 12, and add that amount- or more- to your monthly payment. Set up your payment, including the extra principal, to be deducted automatically from your checking account each month. You will save a bit of interest by making the extra payment every month instead of at the end of the year. Also, If you have to write a check, you will be tempted to skip making the extra payments whenever you are a little short on cash. This way, it becomes automatic. Also, if you wait until you are several years into your mortgage, the benefits will be much, much, less. If you refinance to get a better interest rate, or move to a new house, add enough extra principal so that your mortgage will be paid off when the original mortgage would have been paid off. You won't save money if you add extra years of mortgage payments. It is best to actually run the numbers so you can see how it will apply to your situation. Sometimes people say to me "but I don't plan to live here that long, so it doesn't matter if I pay off my house 5 years early". It does matter. When you make extra mortgage payments, your loan balance goes down faster. When you sell, your equity will be higher, you will get more from the sale to make a bigger down payment on your new house, and then you apply the same strategy of making extra principal payments to your new house. A 15 mortgage is great, and usually has a better interest rate, but you are locked into higher payments. What if you lose your job? You could get a 30 year mortgage but make payments high enough to pay it off in 15 years, so that you could reduce the payments in an emergency. By the way, I am a CPA.
I love Shutterfly - that freebie is definitely great for everyone!
One thing that I forgot to put in the article is to make sure new parents combine all those coupons they will get in the mail with the RedPlum and Smart Source inserts in the paper each Sunday, AND with a store sale if possible. You can really save a lot of money that way, and it only takes a few minutes each week.
Oh man, I always wanted a metal detector growing up. (Likewise, I was a wannabe archeologist.) My house was on old farmland, and I found the area where the previous residents had tossed their trash -- a pit of Ponds cold cream jars, tiny green asprin bottles, and so on. Most of the finds were shattered, but we did pull out a few gorgeous, in-tact bottles.
Does anybody else have metal detecting stories, or similar stories about finding treasures? Have you wanted to try it?
I love mixing individual cocktails, but for parties, I go sangria all the way. It's so easy to just put everything in a pitcher and keep it in the fridge.
I heard about a neat cocktail party idea from one of my friends once. It was halfway between a cocktail party and bar hopping -- if you know several people who live within safe walking distance of one another, plan a drink (in this case, with a theme) at each house. The costs are shared, as is the cleanup, and everybody gets to enjoy a fun night out.
Does anybody else have frugal cocktail party tips?
I have always had more than 1 job or career for that matter.Started babysitting in my early teens then added doing birthday parties for kids next my first job at Friendly's and on from there.I currently have 2 jobs as a nurse one for an insurance company monday thru friday day shift and one for a hospital evenings.Use to have a third job working weekends.
Regarding yellow jackets - I have virtually eliminated our yellow jacket problem without using poisons and sprays. Early in the spring (before you see any yellow jackets) put a trap or two out. These are readily available at hardware stores. By catching the queens and early yellow jackets in the trap (where they cannot escape and then die) we no longer have a problem.
Don't forget the "Bridge to Nowhere," the pedestrian bridge from Lewis & Clark Landing to Iowa. We also love the free splash parks in the area, the free indoor playground in Oakview Mall, and the free concerts in Rockbrook Village on Friday nights.
I have a partime job at a nearby hospital and I recently starting selling things out of my home on Ebay. I also plan to start selling my own hair products.
Say MMM (http://www.saymmm.com/) is also great.
I'll just leave this here.
http://www.amazon.com/gp/product/0762440546/ref=ox_sc_act_title_4?ie=UTF...
It could be that you are a big bowl of sunshine. :) Or it could be that Capital One has changed their tune since this article was written many years ago. Hard to say. But being polite never hurts, that's for sure.
I just had my interest rate on a CapitalOne card lowered by 8% for seven months. I called and was nice. Talked to two people and they gave me the little reprieve. Is this a new policy or am I just that nice?
I really don't think that metal detecting is worth it unless you just have a lot of extra free time to look for it
My step-dad just bought our pre-schooler a piggy bank. We never paid him before for chores because I don't feel that he should need an incentive. However, I do believe in teaching him how to manage his money wisely and save. So we decided that he'll have three chances a day to get paid. His chores are to put the clean silverware away and to feed the cats in the morning and then at night. We told him that if he could remember to do his chores without us telling him to do so then he would get paid 5 cents for each one. If we had to remind him (after giving him reasonable time to remember) then he would have to do the chore still and not get paid. There are some things that he will never be paid for though such as: putting his toys away after he's finished with them, helping mommy/daddy when we ask, cleaning his room, taking his dishes to the sink and putting his clothes away in the dirty laundry. He needs to learn how to manage/save his very own money and also he needs to learn that he is still a responsible family team member and there are still things that are expected from all of us.
Oh boy. I fall under a few too many of those categories. I'm just tired of feeling like there must be something better out there only to find that all job descriptions in my industry sound the same.
I really wish I had the room to grow squash so that I could try this. I was visiting my hometown recently, where the yards are much larger than in urban Seattle, and I kept seeing plots of squash with DOZENS of squash flowers. I was so jealous! Squash flowers are a delicacy that cost more than $0.50/piece at our local farmers markets!
Broccoli stems can also be peeled and eaten raw. Once the thick, leathery skin is off, the heart is refreshing and delicious, more crisp than cucumber with a hint of broccoliness.
I found this article because I just ate some sauteed young squash leaves today, and they were quite tasty. I think some squash leaves are tastier than others: this was Lare Pumpkin, a rare African squash I got from Richters.com.
Yes. In addition to my full-time job, I do freelance illustrating, take clothes to a consignment shop, and sell things on eBay. We have to do all we can while my husband's not working.
Sources of income:
(1) Military retirement
(2) VA benefit
(3) Federal job
(4) Licensed real estate agent (not using; no current income)
(5) Notary public (using but not charging anyone; can use for income if needed)
Ditto above for husband (minus the notary public)
When we retire we each hope to add the following incomes:
(1) Federal job pensions
(2) Social security payments
(3) Retirement investments
Meg, I think we had very similar childhoods. I grew up near a small dump from the late 1800's and early 1900's. "Trash" back then was practically treasure by the 1970's and 80's. I loved digging around and seeing what I could uncover.
The best thing to do is to take your monthly payment, divide it by 12, and add that amount- or more- to your monthly payment. Set up your payment, including the extra principal, to be deducted automatically from your checking account each month. You will save a bit of interest by making the extra payment every month instead of at the end of the year. Also, If you have to write a check, you will be tempted to skip making the extra payments whenever you are a little short on cash. This way, it becomes automatic. Also, if you wait until you are several years into your mortgage, the benefits will be much, much, less. If you refinance to get a better interest rate, or move to a new house, add enough extra principal so that your mortgage will be paid off when the original mortgage would have been paid off. You won't save money if you add extra years of mortgage payments. It is best to actually run the numbers so you can see how it will apply to your situation. Sometimes people say to me "but I don't plan to live here that long, so it doesn't matter if I pay off my house 5 years early". It does matter. When you make extra mortgage payments, your loan balance goes down faster. When you sell, your equity will be higher, you will get more from the sale to make a bigger down payment on your new house, and then you apply the same strategy of making extra principal payments to your new house. A 15 mortgage is great, and usually has a better interest rate, but you are locked into higher payments. What if you lose your job? You could get a 30 year mortgage but make payments high enough to pay it off in 15 years, so that you could reduce the payments in an emergency. By the way, I am a CPA.
I love Shutterfly - that freebie is definitely great for everyone!
One thing that I forgot to put in the article is to make sure new parents combine all those coupons they will get in the mail with the RedPlum and Smart Source inserts in the paper each Sunday, AND with a store sale if possible. You can really save a lot of money that way, and it only takes a few minutes each week.
I'm not a parent yet myself, but I'll definitely be checking out the SnapFish and Shutterfly freebies.
Does anybody else have suggestions for new-parent freebies and coupons?
Oh man, I always wanted a metal detector growing up. (Likewise, I was a wannabe archeologist.) My house was on old farmland, and I found the area where the previous residents had tossed their trash -- a pit of Ponds cold cream jars, tiny green asprin bottles, and so on. Most of the finds were shattered, but we did pull out a few gorgeous, in-tact bottles.
Does anybody else have metal detecting stories, or similar stories about finding treasures? Have you wanted to try it?
I love mixing individual cocktails, but for parties, I go sangria all the way. It's so easy to just put everything in a pitcher and keep it in the fridge.
I heard about a neat cocktail party idea from one of my friends once. It was halfway between a cocktail party and bar hopping -- if you know several people who live within safe walking distance of one another, plan a drink (in this case, with a theme) at each house. The costs are shared, as is the cleanup, and everybody gets to enjoy a fun night out.
Does anybody else have frugal cocktail party tips?
I have always had more than 1 job or career for that matter.Started babysitting in my early teens then added doing birthday parties for kids next my first job at Friendly's and on from there.I currently have 2 jobs as a nurse one for an insurance company monday thru friday day shift and one for a hospital evenings.Use to have a third job working weekends.
Regarding yellow jackets - I have virtually eliminated our yellow jacket problem without using poisons and sprays. Early in the spring (before you see any yellow jackets) put a trap or two out. These are readily available at hardware stores. By catching the queens and early yellow jackets in the trap (where they cannot escape and then die) we no longer have a problem.
Don't forget the "Bridge to Nowhere," the pedestrian bridge from Lewis & Clark Landing to Iowa. We also love the free splash parks in the area, the free indoor playground in Oakview Mall, and the free concerts in Rockbrook Village on Friday nights.
http://twitter.com/#!/ReneeAChapman/status/94372477442076672
i like you on facebook :)
I have my career and my husband has his :)
I have a partime job at a nearby hospital and I recently starting selling things out of my home on Ebay. I also plan to start selling my own hair products.
No. I'm a student and have 0 sources of income.