I always buy new and I always order my cars direct from the factory with the exact options I want. I use a special discount program negotiated through my former employer which gets me several thousands off the price and no haggling.
I love paper checks. I write them when I go to the store in my 1960 ford maverick. I always pull out my pocket watch to check the date and I use my inkwell and quill for appropriate dates and signatures. Then I putter home and laugh at the amish people that use horses and buggies because - it is the 20th century get with the times, jeez.
With SBUX up 52% this is creating attention for this food and beverage stock as well making noise within the sector that could possibly make some commotion for other companies like ICNB http://bit.ly/202z1jF
I've actually found I could buy new for about the same price or just a little more than a 1-3 year old vehicle. The two vehicles were a Subaru Outback, and a Ford F150. The Outback was about a $1,000 more than a year old model with 15,000 miles. With new, I got the full warranty, color and interior and a couple of features I wanted. I purchased the 2015 F150 a month ago with factory incentives to move out the 2015 models plus a great Costco discount. I got it equipped to pull a travel trailer for the same price or less than 1-2 year old similar models were going for.
"Sandwich Generation" great term!!! Persons who are caring for children and their aged parents are actually lacking in money after setting financial goals. Since the expenses are high there is always a chance for the pocket to be empty, this problem will always be existing. Financial responsibilities must always be shared.
At least they make decent money. I am a medical assistant and I hate it. I have to do so much, I actually do what a nurse should be doing for a miserable $16 an hour, and then have to put up with stuck up doctors that look down on you!
Here's my new solution to those miscellaneous balances. Us the credit card processing service, Square (squareup.com). You can get a free magnetic reader for your phone. Then swipe the prepaid card for the remaining balance to pay yourself. The money will go into your bank account, less a 2.75% charge. So for the $5.00 left on the card, you’ll lose 14 cents. Well worth it to be rid of the card without ever leaving your home.
Eating a medium potato for a snack instead of chips or sweets has been a huge factor in allowing me to loose 40lbs over a 6month period. This is the only changes I made to my diet. I eat one or two a day, depending. I was 6'"3 255lbs male, now I am 6" 3' 215lb male. I have had a completely sedentary life the entire time due to a severe back injury. I needed to find a snack that would be filling but low calorie. I remembered eating potatoes in college while working out. It has been THE ABSOLUTE key to my weight loss success. I am 43 years old and weigh less than I did at 15 years old. Try it. It works, but you must stay disciplined and not cheat with sweets. Also, you cannot lose weight adding a bunch of toppings. That doesn't work. I only season with seasonings which have zero calories.
I change the subject and just ignore whatever they asked me. It usually works unless they are really nosy and rude, then I just tell them straight out I don't like to discuss money issues.
We just purchased a home with cash...and our reasoning was that with only a certain amount of cash to work with,we would find a bank owned repo and look it over REAL CLOSE then wait......and wait.... The home went from $80,000 to $70,000 to $60,000..then $50,000 & $40,000. At this point we offered $30,000 cash and settled on their $35,000 counter offer ...thus being able to own outright , a home that sold in 2006 for $88,900...no house payment ... No mortagage. We loomed at literally hundreds of properties.Nothing we saw on the market even came close to the quality of house we were able to buy by waiting g and bring patient...but you must be aware of the chance of repairs needed and possibility of having to fix some things.As it turns out we spent $900 on electrical updates and maybe $500 on plumbing that went bad from the home sitting empty and cold...Our patience was rewarded though as we now own a beautiful 3bedroom / 2 bath brick ranch with a completely finished basement , central air , fireplace ,and 1st floor laundry. The home was built on the late 60's.....it worked for us...! Due yo unstellar credit we've learned to buy things only after saving,and though we now CAN get credit cards and borrow we choose not to and because of that we owe NO credit card debt,no mortgage,and drive card that ate paid for ...our utilities are the only bills we have beside normal yearly taxes and insurance.We both sleep better knowing we aren't in debt...
Money out of the realm of personal financies is OK. It doesn't hurt to find out someone paid for something.
But I don't recommend going around bloating about your personal finances, such as salary, wages, &/or even your job title for that matter, even amongst your closest friends. That stuff can alienate you & make people jealous. I had to learn it the hard way.
I'm a receptionist and feel like the office servant. I take everyone's calls , who answer only if they want to, open and distribute hundreds of pieces of mail and have to jump up many times a day to greet visitors and let my co workers into the mail room plus fetch their supplies. But it was tough rejoining the work force after staying home with my kids for several years .
so many people who say these ideas are boring, yet the don't offer up any ideas of their own....... just want to say thank you for your suggestions....
As a full time nomadic house sitter for the past 18 months, I have to say I don't miss my old stuff at all. However, I do see your point, if and when we do want to settle down again in one place, it would be nice to have a few of the old things back. At the same time, that's why we took pics of some of the items we really loved so we could revisit them occasionally.
I always buy new and I always order my cars direct from the factory with the exact options I want. I use a special discount program negotiated through my former employer which gets me several thousands off the price and no haggling.
I love paper checks. I write them when I go to the store in my 1960 ford maverick. I always pull out my pocket watch to check the date and I use my inkwell and quill for appropriate dates and signatures. Then I putter home and laugh at the amish people that use horses and buggies because - it is the 20th century get with the times, jeez.
With SBUX up 52% this is creating attention for this food and beverage stock as well making noise within the sector that could possibly make some commotion for other companies like ICNB http://bit.ly/202z1jF
I've actually found I could buy new for about the same price or just a little more than a 1-3 year old vehicle. The two vehicles were a Subaru Outback, and a Ford F150. The Outback was about a $1,000 more than a year old model with 15,000 miles. With new, I got the full warranty, color and interior and a couple of features I wanted. I purchased the 2015 F150 a month ago with factory incentives to move out the 2015 models plus a great Costco discount. I got it equipped to pull a travel trailer for the same price or less than 1-2 year old similar models were going for.
"Sandwich Generation" great term!!! Persons who are caring for children and their aged parents are actually lacking in money after setting financial goals. Since the expenses are high there is always a chance for the pocket to be empty, this problem will always be existing. Financial responsibilities must always be shared.
At least they make decent money. I am a medical assistant and I hate it. I have to do so much, I actually do what a nurse should be doing for a miserable $16 an hour, and then have to put up with stuck up doctors that look down on you!
Here's my new solution to those miscellaneous balances. Us the credit card processing service, Square (squareup.com). You can get a free magnetic reader for your phone. Then swipe the prepaid card for the remaining balance to pay yourself. The money will go into your bank account, less a 2.75% charge. So for the $5.00 left on the card, you’ll lose 14 cents. Well worth it to be rid of the card without ever leaving your home.
Banking - ugh. So hard to find a good institution. Thanks for the checklist. So far I am very happy with my bank.
Eating a medium potato for a snack instead of chips or sweets has been a huge factor in allowing me to loose 40lbs over a 6month period. This is the only changes I made to my diet. I eat one or two a day, depending. I was 6'"3 255lbs male, now I am 6" 3' 215lb male. I have had a completely sedentary life the entire time due to a severe back injury. I needed to find a snack that would be filling but low calorie. I remembered eating potatoes in college while working out. It has been THE ABSOLUTE key to my weight loss success. I am 43 years old and weigh less than I did at 15 years old. Try it. It works, but you must stay disciplined and not cheat with sweets. Also, you cannot lose weight adding a bunch of toppings. That doesn't work. I only season with seasonings which have zero calories.
"I'm not really comfortable talking about that."
Every DMV requires a power of attorney if the party isn't present to process their own tags.
Eavesdropping, sealants, hail damaged bargains? Your advice is 20 years old if this is what you think of the car business.
How do you pay a 400 payment off in 3 years? How long is the original loan?
I change the subject and just ignore whatever they asked me. It usually works unless they are really nosy and rude, then I just tell them straight out I don't like to discuss money issues.
I just tell the bums and panhandlers that I'm currently fresh out.
We just purchased a home with cash...and our reasoning was that with only a certain amount of cash to work with,we would find a bank owned repo and look it over REAL CLOSE then wait......and wait.... The home went from $80,000 to $70,000 to $60,000..then $50,000 & $40,000. At this point we offered $30,000 cash and settled on their $35,000 counter offer ...thus being able to own outright , a home that sold in 2006 for $88,900...no house payment ... No mortagage. We loomed at literally hundreds of properties.Nothing we saw on the market even came close to the quality of house we were able to buy by waiting g and bring patient...but you must be aware of the chance of repairs needed and possibility of having to fix some things.As it turns out we spent $900 on electrical updates and maybe $500 on plumbing that went bad from the home sitting empty and cold...Our patience was rewarded though as we now own a beautiful 3bedroom / 2 bath brick ranch with a completely finished basement , central air , fireplace ,and 1st floor laundry. The home was built on the late 60's.....it worked for us...! Due yo unstellar credit we've learned to buy things only after saving,and though we now CAN get credit cards and borrow we choose not to and because of that we owe NO credit card debt,no mortgage,and drive card that ate paid for ...our utilities are the only bills we have beside normal yearly taxes and insurance.We both sleep better knowing we aren't in debt...
I haven't really been offended by anyone's comments or questions about money
I don't think I've ever faced that situation but I wouldn't be afraid to tell them it was none of their business.
I say that I don't know or changed the subject to skmething else I would rather talk about.
Money out of the realm of personal financies is OK. It doesn't hurt to find out someone paid for something.
But I don't recommend going around bloating about your personal finances, such as salary, wages, &/or even your job title for that matter, even amongst your closest friends. That stuff can alienate you & make people jealous. I had to learn it the hard way.
I'm a receptionist and feel like the office servant. I take everyone's calls , who answer only if they want to, open and distribute hundreds of pieces of mail and have to jump up many times a day to greet visitors and let my co workers into the mail room plus fetch their supplies. But it was tough rejoining the work force after staying home with my kids for several years .
so many people who say these ideas are boring, yet the don't offer up any ideas of their own....... just want to say thank you for your suggestions....
Salt and Baking Soda worked like miracle!!!
As a full time nomadic house sitter for the past 18 months, I have to say I don't miss my old stuff at all. However, I do see your point, if and when we do want to settle down again in one place, it would be nice to have a few of the old things back. At the same time, that's why we took pics of some of the items we really loved so we could revisit them occasionally.
I either smile and don't say anything, or make a brief explanation and tell them they are free to think differently. :)