Unless your plan has a special offering that gives you office visits (my plan, for example, gives me one free physical and ob gyn visit a year -- a friend's plan give her 4 visits for any reason a year), then YES you would have to pay all medical costs up to the $3000 deductible. That is why it is the best deal if you won't be going to the doctor all the time, or if the $3000 out of pocket makes the lower premiums worth it.
We went to the doctor twice last year outside of our one free exam. One was for a tetanus shot incident and the other for a sprained hand. Yes, we did have to pay out-of-pocket for both visits, but remember, the bill went to the insurance first, anyway, and they worked it down to their discounted rate (60% of the original). So we still saved money.
toothpaste can be used for a simple face wash it works great for getting rid of blackheads on the face,,,, but mostly for women with a concern of an oder in there pelvic regine it is a great way to stay fresh on the days when you do not toothpast will eliminat the oder from the skin as well as the pubic hair with an unbealiveable feeling of comfort ,,,, try it ive been useing it for years and it works....
Those are some unique ideas - thanks for sharing! I also make some extra money doing online surveys in my spare time. Here is a site with a ton of legitimate survey companies (they are not trying to sell you anything, and are free to join) - http://www.momswallet.com/surveys_focusgroups.html
I also do mystery shopping - mostly to get free meals these days. They don't usually pay much, but if you can pick up a shop at a place you are going anyway (e.g., grocery store, mall), you can write off the mileage on your taxes and make a few bucks. The site above also has lots of mystery shopping companies to sign up with.
Just watch out for get rich quick scams, and don't pay for lists of survey sites or mystery shopping companies. All that info is on the internet for free!!
The folks who mentioned Craig's List and disaster preparedness seemed to have good reasons to keep cash on hand. But personally, I've never in my life had a need to store large amounts of cash. Banks are just so much more convenient and secure. (Probably now more than ever before.)
If you really need to keep money, though, a drawer full of random loose change (or even rolls of dimes) seems like it'd be the least attractive find for a burglar and not too inconvenient for you. On the other hand, if you're saving up for the end of the world as we know it, a box of silver in little one ounce bars or coins might be the way to go.
One thing I would never do is store money or valuables in a worthless-looking and easy to dispose of container. You risk some unsuspecting person trashing your money. My grandfather, for example, put gold coins into the lining of an old suitcase. Now, my grandmother is generally not big on throwing things out, but one day she decided that ratty old thing just had to go...
PLZ I AM A STUDENT'WHO WANTS TO INVEST BUT I AM IN NIGERIA.I LOVE INVESTING INTO STOCKS.RIGHT NOW I HAVE MANY STOCKS OVER HERE.PLZ TEACH ME HOW TO INVEST OVER THERE.THANKZ.TELEMA
While WoW is a relatively cheap investment for gamers, there are other ways one can subsidize their gaming habits:
1. Buy used games. Stores like GameStop often have used copies of games they sell at a lower price. The challenge is to find the "hot" new games, but if you're patient, you can find plenty of good ones.
2. Gamefly.com, which is like Netflix for video games. $16 a month gets you one game at a time for as long as you like it. If you decide you like it enough to own it, you pay a bit extra and they'll send the next game in your queue. This is good if you like to "try before you buy", not to mention knowing you've only spent $16 all month on gaming, and you get to play more than just WoW.
3. Sell off your old games. Places like GameStop will also buy your used games and give you either cash or store credit. If you join their Gamer Advantage club (I think it's like a $5 annual membership fee), you get even more for your trade-ins, and they keep an account of your store credit on file for future use. My husband games a lot (he runs a couple of websites), and blows through games very quickly. When he's ready to trade them in, he goes in and gets top dollar for them because they're still new and in high demand. He paid for most of the purchase of his Xbox 360 by trading in games he already finished and wouldn't play again.
Just a few other ways you can enjoy video games for less!
My husband is a WoW fiend (I can't get into it) and from personal experience, it's hit or miss.
Yes, he's saving money because that is the only game he plays, he can interact with other players online and strategize or go to work and strategize with some of his co-workers (they are responsible for this new addiction). He plays when I'm at work, so it's not so bothersome to me in terms of quality time (see below). In addition, the hours he plays on WoW prevents him from being sucked into the world of TV advertising or boredom, where he could potentially spend money on stuff he doesn't need.
The downside to this is while he does play when I'm at work, sometimes the game playing spills over into our quality time. I'm not a needy person, however, we do work different shifts so any time we spend together is precious. In addition, this lack of time with non-WoW players (i.e. social gatherings) puts a strain on outside relationships. We used to do a lot more before the game and I've seen it dwindle quite dramatically.
Folks everyone that plays a MMO doesn't end up a hopeless addict. Most people I know who have played MMO's had no problems it. Yes certainly people can and do go to far and end up damaging their lives because they play too much. However true addiction problems are only seen in a minority (5-20%) of players.
Interesting 10 day scenario. I think that if you knew for absolute certain that you could get 10k more in 10 days, then there would be no question about the decision. The problem in real estate is uncertainty. Let me give you an example. I had a home for sale years back. I had a cash offer for 135k. I was going to have an auction in two weeks with the starting price at 150k. I declined the offer of 135. Two weeks later, no one bought the house. The cash buyer bought another house. The house sat on the market for nearly a year and sold for 135. As a real estate agent, I would encourage a seller to take 300 rather than hold out for 310 for this very reason.
I'm afraid I can't even guess. As your question indicates, the copper itself is probably fine, the question is whether it was assembled with lead solder--and as to that, as far as I know, there's just no way to find out.
I would suggest using GreenTextbooks.org
Save Money, Save The Planet
GreenTextbooks.org specializes in the recycling of textbooks, DVDs, CDs. Buying used textbooks not only saves you money, but cuts down on greenhouse gases caused by the manufacturing of new textbooks.
With GreenTextbooks.org you're not only saving trees, you are saving some green. http://www.greentextbooks.org
I own an SCH-u340 and I can't seem to find one. I decided to look at the battery side and still could not find one. I ran into this reply and thought that you could have a suggestion. Any ideas on how on locate mine?
I can attest first hand that World of Warcraft (WoW) is an extremely addictive game. Most gamers take it even a step further by rarely drinking or eating. In the event that I did eat, I would eat Kraft Mac and Cheese, cheap fast food, and other quick cheap items so that I could get back to playing.
The problem with being addicted to an massively multiplayer online role playing game (MMORPG) is that you lose the drive to work. Since your expenses are minimal, you also cut back on the amount of work you do, thus lowering everything.
I wouldn't recommend this as a solution to entertainment, but I can see the logic on saving money if you can control it. Most people, however, have a hard time controlling their addiction to MMORPG's.
I'm purchasing individual insurance - with a high-deductible plan, is it true that I would have to pay for all of my doctor/office visits until I reach the designated deductible amount (for example $3000)? I have to pay until I reach that amount and then my insurance would start covering? Is that true?
HAVE BEEN MAKING WINE FOR ABOUT 10 YEARS - WOULD LIKE TO WORK DOWN SOME OLD WINE - I BOUGHT A VERY NICE OLD STILL W/ CONDENSER AT A ANTIQUE STORE IN AMISH COUNTRY ( LOOKS OLD TIME & PRO BUILT ) MY QUESTION IS WHAT ARE THE CHANCES THIS WAS BUILD W/ LEAD AND CAN YOU TELL. WOULD YOU USE IT ? THANKS IN ADVANCE.
P.S. - HAVE BEEN GATHERING INFO FOR ABOUT A YEAR - THIS IS THE BEST SITE I HAVE FOUND - THANKS MUCH
I was thrilled to see the ad for double coupons in the fall! Once in the store (I never shop there) I realized how overpriced everything was. I still managed to find several products that turned out to be free or almost free (Revlon nail polish, Gillette body wash and some Tylenol). However, when I checked out, the cashier didn't know how to ring up many of the coupons, choosing the wrong product to attach to my coupon, thus decreasing the value of the coupon. Also, all of the buy 2 items save $$ coupons didn't actually double. Then the cashier gave me hard time about using my revlon coupons on nail polish (though the coupon had a pic of the nail polish right on it). By the time I was thru checking out (with voids and waiting for a manager etc) there was a huge line of people behind me (only 2 checkouts open) and I was totally stressed out. I tried at a different location later in the week and had a fabulous experience. Needless to say, this week I will only be visiting the "good" Kmart and I already know not to have unrealistic savings expectations due to their high prices.
I should have recieved stimulus for 3 children (based on 2007 stats) but they only counted two of them, so my stimulus was $300 short. Now when I utilize this years 1040 to try to recover the $300 under "recovery rebate", it doesnt work out because they want me to use 2008 stats (whereby only 2 on my children will qualify). One child was 16 in 2007, and obviously 17 in 2008 so he wouldnt qualify using the tables in 2008 1040 forms.
Please consider me for this book. The relationship between my brother and myself is...well, dysfunctional. We are complete opposites. He is older and was (and still is) always in some sort of trouble (school, law, girl-drama, money, etc) so I tended to go in the complete opposite direction from his choices. I knew that his bad decisions caused our mom so much grief (dad was not around) and I didn't want to add to that.
I would love the opportunity to read a book that shows siblings in a healthy relationship. Thank you.
...a similar game was, if not the absolute cause, then at least one of the MAJOR factors in my divorce. Ex would not stop playing, to the exclusion of virtually all else in his life, including children and sleep. Everything not game-related was an unwelcome intrusion. (Incidentally, he's now with a person he "played" with all the time, and I have reason to believe they were "involved" - if not physically, certainly emotionally - before I dropped the D-bomb.)
I'm not saying all these games are bad - just take this type of advice with a grain (er, shaker) of salt.
Being a veteran of DIY food, this recipes is ok if you use them up in a very short period of time. The problem with all these refrigerator pickles is their extremely short safe shelf life. That is why no manufacturer dares to make them. If any warm up after making them through them out instantly.
Spoiled vegetable products cause more cases of food poisoning then spoiled meats, or mayo. Never put onion in them as onions spoil faster then most other foods after being cut. Spoiled onions are the one of the top causes of food poisoning.
They do taste great but they must be made properly and the fluid should be added to the jar hot not cooled. Remember to wash the pickles well in chlorinated water, to kill and surface bacteria. Especially if they are organically grown, as this type of produce naturally has several times as many bacteria on them as do the other types. Bacteria love organic environments.
Unless your plan has a special offering that gives you office visits (my plan, for example, gives me one free physical and ob gyn visit a year -- a friend's plan give her 4 visits for any reason a year), then YES you would have to pay all medical costs up to the $3000 deductible. That is why it is the best deal if you won't be going to the doctor all the time, or if the $3000 out of pocket makes the lower premiums worth it.
We went to the doctor twice last year outside of our one free exam. One was for a tetanus shot incident and the other for a sprained hand. Yes, we did have to pay out-of-pocket for both visits, but remember, the bill went to the insurance first, anyway, and they worked it down to their discounted rate (60% of the original). So we still saved money.
Good luck!
Linsey Knerl
toothpaste can be used for a simple face wash it works great for getting rid of blackheads on the face,,,, but mostly for women with a concern of an oder in there pelvic regine it is a great way to stay fresh on the days when you do not toothpast will eliminat the oder from the skin as well as the pubic hair with an unbealiveable feeling of comfort ,,,, try it ive been useing it for years and it works....
Those are some unique ideas - thanks for sharing! I also make some extra money doing online surveys in my spare time. Here is a site with a ton of legitimate survey companies (they are not trying to sell you anything, and are free to join) - http://www.momswallet.com/surveys_focusgroups.html
I also do mystery shopping - mostly to get free meals these days. They don't usually pay much, but if you can pick up a shop at a place you are going anyway (e.g., grocery store, mall), you can write off the mileage on your taxes and make a few bucks. The site above also has lots of mystery shopping companies to sign up with.
Just watch out for get rich quick scams, and don't pay for lists of survey sites or mystery shopping companies. All that info is on the internet for free!!
The folks who mentioned Craig's List and disaster preparedness seemed to have good reasons to keep cash on hand. But personally, I've never in my life had a need to store large amounts of cash. Banks are just so much more convenient and secure. (Probably now more than ever before.)
If you really need to keep money, though, a drawer full of random loose change (or even rolls of dimes) seems like it'd be the least attractive find for a burglar and not too inconvenient for you. On the other hand, if you're saving up for the end of the world as we know it, a box of silver in little one ounce bars or coins might be the way to go.
One thing I would never do is store money or valuables in a worthless-looking and easy to dispose of container. You risk some unsuspecting person trashing your money. My grandfather, for example, put gold coins into the lining of an old suitcase. Now, my grandmother is generally not big on throwing things out, but one day she decided that ratty old thing just had to go...
use an online bill paying system, and pay the CCs when your paycheck gets in. (this only works if you have a little cash reserve and no debt.)
PLZ I AM A STUDENT'WHO WANTS TO INVEST BUT I AM IN NIGERIA.I LOVE INVESTING INTO STOCKS.RIGHT NOW I HAVE MANY STOCKS OVER HERE.PLZ TEACH ME HOW TO INVEST OVER THERE.THANKZ.TELEMA
While WoW is a relatively cheap investment for gamers, there are other ways one can subsidize their gaming habits:
1. Buy used games. Stores like GameStop often have used copies of games they sell at a lower price. The challenge is to find the "hot" new games, but if you're patient, you can find plenty of good ones.
2. Gamefly.com, which is like Netflix for video games. $16 a month gets you one game at a time for as long as you like it. If you decide you like it enough to own it, you pay a bit extra and they'll send the next game in your queue. This is good if you like to "try before you buy", not to mention knowing you've only spent $16 all month on gaming, and you get to play more than just WoW.
3. Sell off your old games. Places like GameStop will also buy your used games and give you either cash or store credit. If you join their Gamer Advantage club (I think it's like a $5 annual membership fee), you get even more for your trade-ins, and they keep an account of your store credit on file for future use. My husband games a lot (he runs a couple of websites), and blows through games very quickly. When he's ready to trade them in, he goes in and gets top dollar for them because they're still new and in high demand. He paid for most of the purchase of his Xbox 360 by trading in games he already finished and wouldn't play again.
Just a few other ways you can enjoy video games for less!
My husband is a WoW fiend (I can't get into it) and from personal experience, it's hit or miss.
Yes, he's saving money because that is the only game he plays, he can interact with other players online and strategize or go to work and strategize with some of his co-workers (they are responsible for this new addiction). He plays when I'm at work, so it's not so bothersome to me in terms of quality time (see below). In addition, the hours he plays on WoW prevents him from being sucked into the world of TV advertising or boredom, where he could potentially spend money on stuff he doesn't need.
The downside to this is while he does play when I'm at work, sometimes the game playing spills over into our quality time. I'm not a needy person, however, we do work different shifts so any time we spend together is precious. In addition, this lack of time with non-WoW players (i.e. social gatherings) puts a strain on outside relationships. We used to do a lot more before the game and I've seen it dwindle quite dramatically.
Social interaction is a whole different currency.
Folks everyone that plays a MMO doesn't end up a hopeless addict. Most people I know who have played MMO's had no problems it. Yes certainly people can and do go to far and end up damaging their lives because they play too much. However true addiction problems are only seen in a minority (5-20%) of players.
All things in moderation.
Interesting 10 day scenario. I think that if you knew for absolute certain that you could get 10k more in 10 days, then there would be no question about the decision. The problem in real estate is uncertainty. Let me give you an example. I had a home for sale years back. I had a cash offer for 135k. I was going to have an auction in two weeks with the starting price at 150k. I declined the offer of 135. Two weeks later, no one bought the house. The cash buyer bought another house. The house sat on the market for nearly a year and sold for 135. As a real estate agent, I would encourage a seller to take 300 rather than hold out for 310 for this very reason.
Wow, Ian, that's a huge leap. What does Richard Dawkins have to do with mass murder and Communism? Sounds like your agenda is showing.
I'm afraid I can't even guess. As your question indicates, the copper itself is probably fine, the question is whether it was assembled with lead solder--and as to that, as far as I know, there's just no way to find out.
Sorry. Maybe somebody else knows.
Check out the postings at wowdetox.com
Let's just say that maintaining physical and mental health is a heck of a lot more important than saving money.
I take 50x the amount of napkins I need, but I take them home and use them. We stopped buying napkins about 5 years ago!
I would suggest using GreenTextbooks.org
Save Money, Save The Planet
GreenTextbooks.org specializes in the recycling of textbooks, DVDs, CDs. Buying used textbooks not only saves you money, but cuts down on greenhouse gases caused by the manufacturing of new textbooks.
With GreenTextbooks.org you're not only saving trees, you are saving some green. http://www.greentextbooks.org
I own an SCH-u340 and I can't seem to find one. I decided to look at the battery side and still could not find one. I ran into this reply and thought that you could have a suggestion. Any ideas on how on locate mine?
I can attest first hand that World of Warcraft (WoW) is an extremely addictive game. Most gamers take it even a step further by rarely drinking or eating. In the event that I did eat, I would eat Kraft Mac and Cheese, cheap fast food, and other quick cheap items so that I could get back to playing.
The problem with being addicted to an massively multiplayer online role playing game (MMORPG) is that you lose the drive to work. Since your expenses are minimal, you also cut back on the amount of work you do, thus lowering everything.
I wouldn't recommend this as a solution to entertainment, but I can see the logic on saving money if you can control it. Most people, however, have a hard time controlling their addiction to MMORPG's.
I'm purchasing individual insurance - with a high-deductible plan, is it true that I would have to pay for all of my doctor/office visits until I reach the designated deductible amount (for example $3000)? I have to pay until I reach that amount and then my insurance would start covering? Is that true?
Thanks!
HAVE BEEN MAKING WINE FOR ABOUT 10 YEARS - WOULD LIKE TO WORK DOWN SOME OLD WINE - I BOUGHT A VERY NICE OLD STILL W/ CONDENSER AT A ANTIQUE STORE IN AMISH COUNTRY ( LOOKS OLD TIME & PRO BUILT ) MY QUESTION IS WHAT ARE THE CHANCES THIS WAS BUILD W/ LEAD AND CAN YOU TELL. WOULD YOU USE IT ? THANKS IN ADVANCE.
P.S. - HAVE BEEN GATHERING INFO FOR ABOUT A YEAR - THIS IS THE BEST SITE I HAVE FOUND - THANKS MUCH
I was thrilled to see the ad for double coupons in the fall! Once in the store (I never shop there) I realized how overpriced everything was. I still managed to find several products that turned out to be free or almost free (Revlon nail polish, Gillette body wash and some Tylenol). However, when I checked out, the cashier didn't know how to ring up many of the coupons, choosing the wrong product to attach to my coupon, thus decreasing the value of the coupon. Also, all of the buy 2 items save $$ coupons didn't actually double. Then the cashier gave me hard time about using my revlon coupons on nail polish (though the coupon had a pic of the nail polish right on it). By the time I was thru checking out (with voids and waiting for a manager etc) there was a huge line of people behind me (only 2 checkouts open) and I was totally stressed out. I tried at a different location later in the week and had a fabulous experience. Needless to say, this week I will only be visiting the "good" Kmart and I already know not to have unrealistic savings expectations due to their high prices.
I should have recieved stimulus for 3 children (based on 2007 stats) but they only counted two of them, so my stimulus was $300 short. Now when I utilize this years 1040 to try to recover the $300 under "recovery rebate", it doesnt work out because they want me to use 2008 stats (whereby only 2 on my children will qualify). One child was 16 in 2007, and obviously 17 in 2008 so he wouldnt qualify using the tables in 2008 1040 forms.
Any suggestions
Please consider me for this book. The relationship between my brother and myself is...well, dysfunctional. We are complete opposites. He is older and was (and still is) always in some sort of trouble (school, law, girl-drama, money, etc) so I tended to go in the complete opposite direction from his choices. I knew that his bad decisions caused our mom so much grief (dad was not around) and I didn't want to add to that.
I would love the opportunity to read a book that shows siblings in a healthy relationship. Thank you.
...a similar game was, if not the absolute cause, then at least one of the MAJOR factors in my divorce. Ex would not stop playing, to the exclusion of virtually all else in his life, including children and sleep. Everything not game-related was an unwelcome intrusion. (Incidentally, he's now with a person he "played" with all the time, and I have reason to believe they were "involved" - if not physically, certainly emotionally - before I dropped the D-bomb.)
I'm not saying all these games are bad - just take this type of advice with a grain (er, shaker) of salt.
Being a veteran of DIY food, this recipes is ok if you use them up in a very short period of time. The problem with all these refrigerator pickles is their extremely short safe shelf life. That is why no manufacturer dares to make them. If any warm up after making them through them out instantly.
Spoiled vegetable products cause more cases of food poisoning then spoiled meats, or mayo. Never put onion in them as onions spoil faster then most other foods after being cut. Spoiled onions are the one of the top causes of food poisoning.
They do taste great but they must be made properly and the fluid should be added to the jar hot not cooled. Remember to wash the pickles well in chlorinated water, to kill and surface bacteria. Especially if they are organically grown, as this type of produce naturally has several times as many bacteria on them as do the other types. Bacteria love organic environments.