Hey I am very impressed with this article. But i can only implement it when i get huge amount of cash in my pocket and i can spend it smoothly..
But i m definitely going to use this tip when i start using credit cards.
But right now i m looking for money saving tips and i am concerning a company named financial secrets101 to help me out.
Well after reading this fourm ive decided to go cash.I`m 52 yo and have tearble credit due to a ex.I have enough to buy a small fixer upper because i can do 75% of the work myself on the house. ive been looking at homes now for a few months and can get a a home between $30,000 and $50,000 that 5 years ago cost 80 to 90 thousand if i pay cash. banks around Ga are trying to give them away.After asking a few realtors what the cost diffrence would be in the long run (30 Years)on a 50,000 house with 10,000 down the house would cost me $110,000. this is a no brainer for me.paying cash is the way to go if your credit sucks like mine for sure.Or if you have no credit or if you just do not like giving your hard earned money to someone else.The extra fee`s alone would have cost me $3,579.00.ill be retiring in 7 years a few years after that ill be able to draw my SS.so a paid for house will be well needed. it realy all depends on a persons cash on hand and and what you see in the future. And i dont see anything getting better everytime we turn around there adding more tax`s to something. so look at the long run.
This year has started a huge change in my life: erasing damages, becoming more at peace with myself and life. 2010 is, by definition, MADE of hope for me - to continue making positive steps to better myself, reach goals and finally leave the past where it lay.
@Matt: Thanks for the description about the GPU. That's a little out of my technical league, but it's definitely an important aspect of netbooks for users who need a netbook with some intensive graphic processing power. I've added it to the end of the article.
@andi: I did forget to mention that some netbooks offer solid state drives, but I haven't seen them as much and thought perhaps they were being phased out, with users opting for larger high drives rather than the solid state drives, which actually run better.
I am very hopeful for 2010. Things are extremely tough financially for my family right now, but we have a plan, and we are sticking to it! I am very optimistic. :)
This year really wasn't so bad. I would LOVE to see my husband fully employed instead of going from one thing to another. In 2010 I will see my oldest go off to college. I can't get over how quickly those babies grow.
I totally agree that tracking expenses is the key to budgeting. That was the focus of my last article for the Vancouver Voice. You do a great job covering the issue.
@Sasha - Check out the resources over at Caretaker Gazette and most of your questions should be answered. Usually you establish contact and do interviews prior to arriving, so that when you arrive you already have the job. But yes - you usually travel at your own expense.
There may well be opportunities that your husband will enjoy too; many of them call for retired or semi-retired couples to do light chores and keep an eye on things.
Can't help you on the organic market site (do you mean organicvolunteers.org?) Best I can say is to send an email to their administrator.
I always have high, but not unrealistic hopes at the beginning of the year. They are financial, spiritual, physical, emotional, and educational. Thankfully for this year, me and my family all have our health, a roof over our heads, enough to eat, a job, a little extra for giving and for fun, and always each other.
I always have high, but not unrealistic hopes at the beginning of the year. They are financial, spiritual, physical, emotional, and educational. Thankfully for this year, me and my family all have our health, a roof over our heads, enough to eat, a job, a little extra for giving and for fun, and always each other.
SOOO, if i'm understanding. i could add a thumper to a reflux still?, with tasty mash in it, to acheive a high proof, yet tasty drink? advantage being, that i only have to make a small amuont of tasty fruit mash to flvor the said drink? larger amuont of sugar mash in the pot. what iwould like to know is do you know, or willing to speculate on the flavor produced between that no.1, no.2 a reflux still filled with alot of very flavorful mash, no.3 a pot still??? with the end product being say 140 proof. acheiving that proof by either adding backings or rerunning wichever the case may be. just curios, without having to deal with 100 pounds of berrys first. which don't grow in a missouri winter anyway. you sound like a wise man zorcy!
I retired this year after working 35 yrs in a factory. I'm managing on a limited income and I don't see things getting a whole lot better for 2010, financially wise that is. I've canned food and used a dehydrator for back up food sources. I will probably have to take a part time job to help with taxes and utility bills.
On the plus side, my health is under control and my debt is slowly getting closer to zero! There's always hope for 2010.
Looking to be in the best shape of my life in 2010 with a great runup in the second half of 2009. Don't expect the economy to do very well and everything will be a challenge for most people but opportunities still present themselves.
Looking forward to cranking up LiveCheap further and having new addition to the family and spending more time with the people I love. Hard work doesn't always pay off every day, but over the long haul it wins out in any economy.
Best wishes for everyone this year, next and beyond.
I have some goals for the New Years, but they are all relating to taking further steps in the direction I am already heading in. Nothing is new or drastic, just measurable steps to get me closer to my goals.
We all somtimes need a reminder to look for the positive. Unemployment is up but thankfully 85% of us are still employed.
We each have a chance to start fresh, make positive changes and look forward to improvements we can make, even the smallest changes can effect our lives. It is a time to reflect on what we have, not what we don't.
If you have your health and people you love, consider yourself rich.
At the bottom of a supposed nadir there's always the view to a climax, whether real or imagined. It's that hope that keeps the human spirit going. Happy New Year!
I'm not hopeful because I have been out of work a year already and there is no sign of job recovery here at all. I'm not scared, though, because years of frugality has left me with the knowhow and sufficient cash reserves to weather the storm.
I am always hopeful but often disappointed. Is hopefulness a mental disorder that I suffer from, since it seems to fly against reality (especially in the last 10 maybe 30 years)?
I love my dell mini 9 and I use it as my primary computer. I've had it for over a year, and I spent a little bit more on my mine. I maxed out the RAM, requested XP, and I ordered a 16gb solid state hard drive.
In truth the main reason I got the netbook is I'm accident prone. I was drawn to the "no moving parts" of the ssd and the spill resistant keyboard. Unfortunately, it's already come in handy more than once.
I purchased a car 2 years ago and always made my monthly payments. I got unemployed in April of 09 and it became difficult for me to make my car payments in full or on time. I kept in contact with the bank, but after a while my car was repossessed because I was no longer able to pay at all.
The bank sold the car to an auction and the bank wants me to pay for the negative balance on my car of $11,000.
This debt has been forwarded to a collections agency 3 weeks ago. The collections agency is willing to lower the fees by 40%. I told the collections agency that I will pay by sending them a monthly check.
The problem is that they argue with me by wanting me to provide them with my account number! I have been in contact with them and I refuse to give them my information but they argue that the bank does not trust my word in paying since I am in "breach of contract" due to not paying for the car. They said if I don't give them my account number they will forward my account to an outside legal network.
They state that by providing my account number they have in writing and proof for the bank that I will pay.
They are not giving me any other choice and they refuse to back down from it. What do I do? I don't know if they are right and I SHOULD give them my account number? I feel we will be arguing in circles about the matter.
Hey I am very impressed with this article. But i can only implement it when i get huge amount of cash in my pocket and i can spend it smoothly..
But i m definitely going to use this tip when i start using credit cards.
But right now i m looking for money saving tips and i am concerning a company named financial secrets101 to help me out.
Well after reading this fourm ive decided to go cash.I`m 52 yo and have tearble credit due to a ex.I have enough to buy a small fixer upper because i can do 75% of the work myself on the house. ive been looking at homes now for a few months and can get a a home between $30,000 and $50,000 that 5 years ago cost 80 to 90 thousand if i pay cash. banks around Ga are trying to give them away.After asking a few realtors what the cost diffrence would be in the long run (30 Years)on a 50,000 house with 10,000 down the house would cost me $110,000. this is a no brainer for me.paying cash is the way to go if your credit sucks like mine for sure.Or if you have no credit or if you just do not like giving your hard earned money to someone else.The extra fee`s alone would have cost me $3,579.00.ill be retiring in 7 years a few years after that ill be able to draw my SS.so a paid for house will be well needed. it realy all depends on a persons cash on hand and and what you see in the future. And i dont see anything getting better everytime we turn around there adding more tax`s to something. so look at the long run.
This year has started a huge change in my life: erasing damages, becoming more at peace with myself and life. 2010 is, by definition, MADE of hope for me - to continue making positive steps to better myself, reach goals and finally leave the past where it lay.
I am sure in new year:
1) I'll find my dream job.
2) I'll meet my all financial and personal goals.
3) I'll be as happy as I was in last 2 years. :)
@Matt: Thanks for the description about the GPU. That's a little out of my technical league, but it's definitely an important aspect of netbooks for users who need a netbook with some intensive graphic processing power. I've added it to the end of the article.
@andi: I did forget to mention that some netbooks offer solid state drives, but I haven't seen them as much and thought perhaps they were being phased out, with users opting for larger high drives rather than the solid state drives, which actually run better.
I am very hopeful for 2010. Things are extremely tough financially for my family right now, but we have a plan, and we are sticking to it! I am very optimistic. :)
This year really wasn't so bad. I would LOVE to see my husband fully employed instead of going from one thing to another. In 2010 I will see my oldest go off to college. I can't get over how quickly those babies grow.
Barb
I totally agree that tracking expenses is the key to budgeting. That was the focus of my last article for the Vancouver Voice. You do a great job covering the issue.
@Sasha - Check out the resources over at Caretaker Gazette and most of your questions should be answered. Usually you establish contact and do interviews prior to arriving, so that when you arrive you already have the job. But yes - you usually travel at your own expense.
There may well be opportunities that your husband will enjoy too; many of them call for retired or semi-retired couples to do light chores and keep an eye on things.
Can't help you on the organic market site (do you mean organicvolunteers.org?) Best I can say is to send an email to their administrator.
I always have high, but not unrealistic hopes at the beginning of the year. They are financial, spiritual, physical, emotional, and educational. Thankfully for this year, me and my family all have our health, a roof over our heads, enough to eat, a job, a little extra for giving and for fun, and always each other.
I always have high, but not unrealistic hopes at the beginning of the year. They are financial, spiritual, physical, emotional, and educational. Thankfully for this year, me and my family all have our health, a roof over our heads, enough to eat, a job, a little extra for giving and for fun, and always each other.
SOOO, if i'm understanding. i could add a thumper to a reflux still?, with tasty mash in it, to acheive a high proof, yet tasty drink? advantage being, that i only have to make a small amuont of tasty fruit mash to flvor the said drink? larger amuont of sugar mash in the pot. what iwould like to know is do you know, or willing to speculate on the flavor produced between that no.1, no.2 a reflux still filled with alot of very flavorful mash, no.3 a pot still??? with the end product being say 140 proof. acheiving that proof by either adding backings or rerunning wichever the case may be. just curios, without having to deal with 100 pounds of berrys first. which don't grow in a missouri winter anyway. you sound like a wise man zorcy!
I'm excited for the future. The way I see it, if things are so bad, then they can only get better from here!
2009 was a tough year for many of us, but I want to believe it makes us wiser and stronger into the year of 2010.
I retired this year after working 35 yrs in a factory. I'm managing on a limited income and I don't see things getting a whole lot better for 2010, financially wise that is. I've canned food and used a dehydrator for back up food sources. I will probably have to take a part time job to help with taxes and utility bills.
On the plus side, my health is under control and my debt is slowly getting closer to zero! There's always hope for 2010.
Looking to be in the best shape of my life in 2010 with a great runup in the second half of 2009. Don't expect the economy to do very well and everything will be a challenge for most people but opportunities still present themselves.
Looking forward to cranking up LiveCheap further and having new addition to the family and spending more time with the people I love. Hard work doesn't always pay off every day, but over the long haul it wins out in any economy.
Best wishes for everyone this year, next and beyond.
I have some goals for the New Years, but they are all relating to taking further steps in the direction I am already heading in. Nothing is new or drastic, just measurable steps to get me closer to my goals.
We all somtimes need a reminder to look for the positive. Unemployment is up but thankfully 85% of us are still employed.
We each have a chance to start fresh, make positive changes and look forward to improvements we can make, even the smallest changes can effect our lives. It is a time to reflect on what we have, not what we don't.
If you have your health and people you love, consider yourself rich.
Happy 2010, Cheers to a great year ahead!
2010, for my husband and I at least, promises to be happier and lower-stress than 2009. I say, bring it on!
At the bottom of a supposed nadir there's always the view to a climax, whether real or imagined. It's that hope that keeps the human spirit going. Happy New Year!
2009 was a tough year in a number of ways (starting off with knee surgery just a few days into the year). I'm hopeful for a better 2010.
I'm not hopeful because I have been out of work a year already and there is no sign of job recovery here at all. I'm not scared, though, because years of frugality has left me with the knowhow and sufficient cash reserves to weather the storm.
I am always hopeful but often disappointed. Is hopefulness a mental disorder that I suffer from, since it seems to fly against reality (especially in the last 10 maybe 30 years)?
I love my dell mini 9 and I use it as my primary computer. I've had it for over a year, and I spent a little bit more on my mine. I maxed out the RAM, requested XP, and I ordered a 16gb solid state hard drive.
In truth the main reason I got the netbook is I'm accident prone. I was drawn to the "no moving parts" of the ssd and the spill resistant keyboard. Unfortunately, it's already come in handy more than once.
Cheers for a great article!
I purchased a car 2 years ago and always made my monthly payments. I got unemployed in April of 09 and it became difficult for me to make my car payments in full or on time. I kept in contact with the bank, but after a while my car was repossessed because I was no longer able to pay at all.
The bank sold the car to an auction and the bank wants me to pay for the negative balance on my car of $11,000.
This debt has been forwarded to a collections agency 3 weeks ago. The collections agency is willing to lower the fees by 40%. I told the collections agency that I will pay by sending them a monthly check.
The problem is that they argue with me by wanting me to provide them with my account number! I have been in contact with them and I refuse to give them my information but they argue that the bank does not trust my word in paying since I am in "breach of contract" due to not paying for the car. They said if I don't give them my account number they will forward my account to an outside legal network.
They state that by providing my account number they have in writing and proof for the bank that I will pay.
They are not giving me any other choice and they refuse to back down from it. What do I do? I don't know if they are right and I SHOULD give them my account number? I feel we will be arguing in circles about the matter.