My partner and I usually go out and celebrate until the wee hours of the first day of the new year. I do however like the Spanish tradition of eating 12 grapes for each strike of the clock, and maybe we'll try that as well.
The percentage that the credit cards take from the business is really a big hit for small businesses. Big businesses can negotiate a smaller percentage, but they still pass the cost on. Just another way that the 1% are getting richer and the neighborhood hardware store goes out of business.
I know it is hard to avoid using them for many things--airfare--car rentals--etc. I try to avoid using them for small businesses or local businesses.
Thank you for the info! When "stains" were introduced a couple of decades ago....they did the trick but really dried out one's lips; a top layer (regularly applied) moisturizer was necessary. I'm looking forward to trying a few of the products you mention in the article~K
If I make any new year resolutions, it would be beginning of November - before the holidays. Making them in Jan. does not work for me. I'm already depressed the holidays over and it's cold outside. That puts more stress on my body.
My goals for 2017 are to maximize my retirement contributions through my employer and to try to save money every week to put towards a home down payment that i plan to purchase in the next few years.
nice article good points. i started chewing gum after i quit smoking few years back since than its been great thing to keep my mouth busy my all time favorite is Extra Sugerfree :D
We will continue to attack debt and even pay off our home in February by following the debt snowball plan. Thanks Dave Ramsey! Hsalty and wellness are always goals...we are recent vegetarians, so that will help. Goal number three is to bless another family each month in financial or service opportunities...less about us and more about others.
My goal for 2017 is to switch my family over to healthier products that we use around the home. In 2016....I worked on healthier meals...oh I learned so much. So this year I want to find healthier detergents, shampoos, cleaning products and things like that!
This is not good advice -- in fact, if people followed one element of this advice, they would go from a relatively bad situation to a terrible one. If the house is underwater, and is a non-recourse reverse mortgage (they usually are), the mortgage lender can only access the house as equity - nothing else. So turn the house over to the lender, whose problem it legally is, and be done with it. It would be unnecessary financial risk or possibly financial suicide to either rent out a house whose mortgage is underwater (because being a landlord is sometimes unpredictably expensive and definitely always weird) or OMG I can't even believe the author said this: "convert the reverse mortgage to a regular mortgage". I mean.... really????? Put your own personal financial life further on the line for a failed asset that has already appreciably declined, and thus is more likely than an average house to never pay off in appreciation? Do not do that, under any circumstances. The house will still be underwater; probably more so because of various transaction fees in converting, but the new mortgager's responsibilities will have increased exponentially -- the bank will have a much firmer grip on the borrower's future with a conventional mortgage than a reverse one.
Sometimes I celebrate with friends at their home or I ring it in at my own home. Either way, its low key!
My partner and I usually go out and celebrate until the wee hours of the first day of the new year. I do however like the Spanish tradition of eating 12 grapes for each strike of the clock, and maybe we'll try that as well.
The percentage that the credit cards take from the business is really a big hit for small businesses. Big businesses can negotiate a smaller percentage, but they still pass the cost on. Just another way that the 1% are getting richer and the neighborhood hardware store goes out of business.
I know it is hard to avoid using them for many things--airfare--car rentals--etc. I try to avoid using them for small businesses or local businesses.
Thank you for the info! When "stains" were introduced a couple of decades ago....they did the trick but really dried out one's lips; a top layer (regularly applied) moisturizer was necessary. I'm looking forward to trying a few of the products you mention in the article~K
I usually have a small get together and watch the ball drop.
I like to attend an early morning church service - it just starts the new year off right.
I will go out to dinner this New Year's eve
I usually go out with my husband and watch the ball drop and have a good time at a Decked out ballroom with dancing and drinking and dinner!
We'll be watching the ball drop on tv quietly at home.
If I make any new year resolutions, it would be beginning of November - before the holidays. Making them in Jan. does not work for me. I'm already depressed the holidays over and it's cold outside. That puts more stress on my body.
My tradition is to ignore the holiday altogether. I've always felt like New Year's was depressing. I go to bed early and act like it's any other day.
My goals for 2017 are to maximize my retirement contributions through my employer and to try to save money every week to put towards a home down payment that i plan to purchase in the next few years.
Great, now I've got a coat hanger stuck in my drain!
nice article good points. i started chewing gum after i quit smoking few years back since than its been great thing to keep my mouth busy my all time favorite is Extra Sugerfree :D
My 2017 goals are:
1. Get rid of clutter in my house
2. Exercise regularly
3. Juice or fruit/veggie smoothie daily
4. Learn Spanish
My goal is to learn something new everyday.
I want to buy a new house.
My goal for 2017 is to work hard and play hard.
We will continue to attack debt and even pay off our home in February by following the debt snowball plan. Thanks Dave Ramsey! Hsalty and wellness are always goals...we are recent vegetarians, so that will help. Goal number three is to bless another family each month in financial or service opportunities...less about us and more about others.
Happy And Blessed New Year!
My goal is to cut back on sugar and start eating healthier.
I would like to separate the answer into those with incomes over $100,000 or financial assets over $2,000,000, and those with lower incomes/assets.
The US definitely favors those with more income/assets.
My goals are to lose weight and fix up the house!
My goal is to stretch for 15 minutes a day.
My goal for 2017 is to switch my family over to healthier products that we use around the home. In 2016....I worked on healthier meals...oh I learned so much. So this year I want to find healthier detergents, shampoos, cleaning products and things like that!
This is not good advice -- in fact, if people followed one element of this advice, they would go from a relatively bad situation to a terrible one. If the house is underwater, and is a non-recourse reverse mortgage (they usually are), the mortgage lender can only access the house as equity - nothing else. So turn the house over to the lender, whose problem it legally is, and be done with it. It would be unnecessary financial risk or possibly financial suicide to either rent out a house whose mortgage is underwater (because being a landlord is sometimes unpredictably expensive and definitely always weird) or OMG I can't even believe the author said this: "convert the reverse mortgage to a regular mortgage". I mean.... really????? Put your own personal financial life further on the line for a failed asset that has already appreciably declined, and thus is more likely than an average house to never pay off in appreciation? Do not do that, under any circumstances. The house will still be underwater; probably more so because of various transaction fees in converting, but the new mortgager's responsibilities will have increased exponentially -- the bank will have a much firmer grip on the borrower's future with a conventional mortgage than a reverse one.
Shame.