The whole concept of insurance is nuts. How about just making health care affordable? Instead of $10000 to have a baby. The Mom does all the work. So why don't we do anything about it? Because we're Americans. In Egypt or Iran when they don't agree with their goverment what do they do? they rally in the streets in protest until they get what they want. In America we fear the Government. In other countries, the goverment fears the masses and they get what they want.
Is Charlie Sheen saving money by eliminating drugs, alcohol, (and cigarettes, if
applicable)? If so, than he knows what needs to be done, and is doing it. If not,
than he's just another 'entitled', whining, stupid, showbiz weasel.
You're very right. In order for renting to actually be a better financial decision, you do have to put the additional money away for savings. Most calculators I've found that compare renting and buying make this point - save the difference and you will end up ahead. If not, you actually end up behind.
I would definitely buy something if the total monthly cost would be lower than our rent. It makes more sense at that point. Congratulations on your home purchase.
That's an excellent point. Just because you want to own doesn't necessarily mean it's the best financial decision. Renting is sometimes the better financial option.
I guess that's a good point. I once lived in a building that included water, but my rent was fairly low so I didn't ever think of the landlord adding utility costs to my rent. Thanks for sharing.
I'm a cat lover myself and they don't need a yard. But I agree that a dog needs a yard and kids probably prefer a yard too. Although, as long as parents take their kids to the park on weekends, maybe they could go without. Just look at how many children live in New York City, they seem to do alright in apartments. ;)
cat litter works great to clean up vomit. It smells great, masking the vomit odor, absorbs all of it, and then you just sweep it into a dust pan. (maybe this reminds you of grade school, when the janitor used some stuff to soak up vomit?) I managed a bar/restaurant, and drunk people vomit occasionally. The litter even masks the alcohol smell, which is worse than regular vomit odor. Cat litter saved us from vomiting while cleaning vomit. Also good for other bodily fluid accidents. urine, diarhea, etc.
I think you're very mis-informed when it comes to what realtors do. I've been around the real estate industy for years, and I personally know a lot of great agents. Even Suze Orman says "a good real estate professional is worth their weight in gold"
For starters, as a buyer, you do not pay thousands in commissions. You don't even pay hundreds in commissions. You pay nothing. If you're a buyer, and you use your own agent to buy a house, the home seller pays your agent's fee. So this means you get all of the services from your realtor for free. Furthermore, yes it's very common now-a-days to look for homes on line yourself. Everyone is doing it. It's out there so why not? But who knows what house you'll want to buy more, you or your agent? Of course you. Just because you're finding the house and bringing it to your agent's attention doesn't mean that you're doing all of the work. Come on. It's the agent that then schedules the appointments, gets you inside for a tour, and that's just the very first step. If you like the house and want to buy it, it's the agent that will write the legal documents. They'll try to get you the terms in which you desire (purchase price, closing date, appliances, inspection corrections, etc) The buyer's agent also orders title insurance, opens escrow, and deposits your earnest money. Once the transaction is under way, your agent will help you to secure acceptable financing. They'll also assist with the inspection, the appraisal, homeowners insurance, etc. AGAIN THIS COSTS YOU NOTHING. THEIR SERVICES ARE 100% FREE TO YOU. The reason travel agents have gone away and realtors haven't is because anyone can book a flight on line. Buying a home, which you admit is a huge investment, usually takes guidance from a licensed professional. The very start of your article shows me just how out of touch with reality you are. Can you imagine working with a client for 2 years and not getting anything out of it? Remember, realtors are only paid when you buy a house. I'd like to see you go to work for 2 years straight and never receive a paycheck. Your committment and loyality is beyond words. I feel bad for your agent who's probably a spouse, parent, and quite possibly a grandparent. You owe them your business when you buy!
I got my first credit card in college. I was afraid to use it at first...don't know why...I didn't use it much though because I was away at school and the bill went to my house. My grandmother opened my mail back then and I didn't want to hear any complaints besides....she was nice enough to pay the bill. I miss my grandmother!
I used the savings bonds option for part of my refund when preparing my taxes this year with online software, and it worked well except that when I received a late 1099-DIV statement and had to file an amendment my tax return, the software didn't know how to handle the savings bonds and wouldn't allow me to file the amendment electronically, flagging the figures I had previously entered for the bonds as errors.
dealseekingmom.com kinda does the same thing as the grocery game but on a smaller scale and it's free. I check it out a couple of times a week. They list the sales at each store for the week, including places like CVS and Walgreens, and then tell what coupons to use and where to get them so you can score items for free or extremely cheap. You don't have to sign up for anything and then have your contact information passed around.
I got my first credit card when I went away to college at 21. I had no idea how to use money/credit responsibly and wish that I would have put it off until I had a job. It is a shame that credit cards are so instrumental to building necessary credit to buy cars, homes, etc. later in life.
I got my first credit card when I went off to college. It had a very low limit and the agreement was that my mom would pay for it each month, as long as the expenses were reasonable. I ended up paying for quite a bit of it myself, but never had problems with a balance that was too high.
Men often negotiate with a feeling that they honestly deserve what they're worth and that salary negotiation is sensible and to be expected. So they tend to be calm, rational and at ease.
Women? We've been beaten over the head with so many sterotypes that we don't know what to do. We're too weak, we're too aggressive, we're pushovers, we're bitches.
To hell with all that. Negotiating is part of getting a job. Be calm, be pleasant, be firm. Don't take it personally. It's a business deal. They offer, you tell them you've got a lot to bring to the company and you think you're worth a bit more. They say they can't pay you more; you ask about benefits. Offer and counter-offer. It's a business deal.
The whole concept of insurance is nuts. How about just making health care affordable? Instead of $10000 to have a baby. The Mom does all the work. So why don't we do anything about it? Because we're Americans. In Egypt or Iran when they don't agree with their goverment what do they do? they rally in the streets in protest until they get what they want. In America we fear the Government. In other countries, the goverment fears the masses and they get what they want.
Is Charlie Sheen saving money by eliminating drugs, alcohol, (and cigarettes, if
applicable)? If so, than he knows what needs to be done, and is doing it. If not,
than he's just another 'entitled', whining, stupid, showbiz weasel.
"But for a friend/family thief it would be weird for them to be found going through my underwear."
You'd be surprised whose pawing through your panties ;\
You're very right. In order for renting to actually be a better financial decision, you do have to put the additional money away for savings. Most calculators I've found that compare renting and buying make this point - save the difference and you will end up ahead. If not, you actually end up behind.
I would definitely buy something if the total monthly cost would be lower than our rent. It makes more sense at that point. Congratulations on your home purchase.
That's an excellent point. Just because you want to own doesn't necessarily mean it's the best financial decision. Renting is sometimes the better financial option.
I guess that's a good point. I once lived in a building that included water, but my rent was fairly low so I didn't ever think of the landlord adding utility costs to my rent. Thanks for sharing.
I'm a cat lover myself and they don't need a yard. But I agree that a dog needs a yard and kids probably prefer a yard too. Although, as long as parents take their kids to the park on weekends, maybe they could go without. Just look at how many children live in New York City, they seem to do alright in apartments. ;)
during college years- thanks to Sears--only one
cat litter works great to clean up vomit. It smells great, masking the vomit odor, absorbs all of it, and then you just sweep it into a dust pan. (maybe this reminds you of grade school, when the janitor used some stuff to soak up vomit?) I managed a bar/restaurant, and drunk people vomit occasionally. The litter even masks the alcohol smell, which is worse than regular vomit odor. Cat litter saved us from vomiting while cleaning vomit. Also good for other bodily fluid accidents. urine, diarhea, etc.
It is a kind of corn flour that appears to be common in the US but totally absent from Canada....
Could one make corn flour in the blender from corn meal and substitute that?
does anyone have region free hack for panasonic dmp-bd65 player
I think you're very mis-informed when it comes to what realtors do. I've been around the real estate industy for years, and I personally know a lot of great agents. Even Suze Orman says "a good real estate professional is worth their weight in gold"
For starters, as a buyer, you do not pay thousands in commissions. You don't even pay hundreds in commissions. You pay nothing. If you're a buyer, and you use your own agent to buy a house, the home seller pays your agent's fee. So this means you get all of the services from your realtor for free. Furthermore, yes it's very common now-a-days to look for homes on line yourself. Everyone is doing it. It's out there so why not? But who knows what house you'll want to buy more, you or your agent? Of course you. Just because you're finding the house and bringing it to your agent's attention doesn't mean that you're doing all of the work. Come on. It's the agent that then schedules the appointments, gets you inside for a tour, and that's just the very first step. If you like the house and want to buy it, it's the agent that will write the legal documents. They'll try to get you the terms in which you desire (purchase price, closing date, appliances, inspection corrections, etc) The buyer's agent also orders title insurance, opens escrow, and deposits your earnest money. Once the transaction is under way, your agent will help you to secure acceptable financing. They'll also assist with the inspection, the appraisal, homeowners insurance, etc. AGAIN THIS COSTS YOU NOTHING. THEIR SERVICES ARE 100% FREE TO YOU. The reason travel agents have gone away and realtors haven't is because anyone can book a flight on line. Buying a home, which you admit is a huge investment, usually takes guidance from a licensed professional. The very start of your article shows me just how out of touch with reality you are. Can you imagine working with a client for 2 years and not getting anything out of it? Remember, realtors are only paid when you buy a house. I'd like to see you go to work for 2 years straight and never receive a paycheck. Your committment and loyality is beyond words. I feel bad for your agent who's probably a spouse, parent, and quite possibly a grandparent. You owe them your business when you buy!
How about a baked on date????
I got my first credit card in college. I was afraid to use it at first...don't know why...I didn't use it much though because I was away at school and the bill went to my house. My grandmother opened my mail back then and I didn't want to hear any complaints besides....she was nice enough to pay the bill. I miss my grandmother!
I used the savings bonds option for part of my refund when preparing my taxes this year with online software, and it worked well except that when I received a late 1099-DIV statement and had to file an amendment my tax return, the software didn't know how to handle the savings bonds and wouldn't allow me to file the amendment electronically, flagging the figures I had previously entered for the bonds as errors.
Good! For a change, simple, realistic and practical. No hype.
One point I may have missed is why dose the fasting blood sugar which is highest just on waking, drop quickly withing 20-30 mins?
dealseekingmom.com kinda does the same thing as the grocery game but on a smaller scale and it's free. I check it out a couple of times a week. They list the sales at each store for the week, including places like CVS and Walgreens, and then tell what coupons to use and where to get them so you can score items for free or extremely cheap. You don't have to sign up for anything and then have your contact information passed around.
Sexy! That's the last word it comes to my mind! I guess you can use that word when you are a rich and successful enterpreneur!
By "parts" do you mean parts by volume or parts by weight? Because with these ingredients the difference between the two can be quite substantial.
I got my first credit card when I went away to college at 21. I had no idea how to use money/credit responsibly and wish that I would have put it off until I had a job. It is a shame that credit cards are so instrumental to building necessary credit to buy cars, homes, etc. later in life.
I got my first credit card when I went off to college. It had a very low limit and the agreement was that my mom would pay for it each month, as long as the expenses were reasonable. I ended up paying for quite a bit of it myself, but never had problems with a balance that was too high.
WOW - My husband really liked the pizza, and I didn't even tell him it was GF!!!
I got my first credit card when as a freshman in college. At the time I figured I had to have one to buy my books with!
I think you're missing the real point.
Men often negotiate with a feeling that they honestly deserve what they're worth and that salary negotiation is sensible and to be expected. So they tend to be calm, rational and at ease.
Women? We've been beaten over the head with so many sterotypes that we don't know what to do. We're too weak, we're too aggressive, we're pushovers, we're bitches.
To hell with all that. Negotiating is part of getting a job. Be calm, be pleasant, be firm. Don't take it personally. It's a business deal. They offer, you tell them you've got a lot to bring to the company and you think you're worth a bit more. They say they can't pay you more; you ask about benefits. Offer and counter-offer. It's a business deal.