Stupid advice for the weak part of consumerist society.
If you've reached a level to do this you better get out of USA before it is too late fore you:)
..it doesn't work for online purchase, I'm afraid.
I've long since memorized my credit card numbers, expiry dates, and numbers on the back of the card (that 3 digit security code?) since I check my credit card statements every day.
What actually happened was that I was working off the site statistics that list where the Wise Bread readers are, scanning through the list looking for English speaking countries--but that list didn't include Canada; it just had "north America" as one group.
Thanks for this thread. Now let's talk about me (ha...only-child syndrome). Your comments have been fortifying. After some big moments of financial clarity, my husband and I realized big changes were in order. For this year, we've lived 23% under our income, investing & slowly paying off debt with that margin. It's been a mix between gratifying & frustrating, I suppose with the emotional realization that big results just don't happen overnight. Your posts however came at the right time. We haven't really considered eventually being millionaires -- more just to be healthier with finances. But your points lead to possibly our next financial vision: directing mindful, controlled spending toward millionaire-hood. Really gained from this. Jill, videoblogger in DC
Thanks Nora for my day's first smile (-awoke particularly early for a Sunday). And with your idea --- as an added bonus to suppressing credit card buys - you get that archaeological-dig thrill when you thaw the iced card for that must-have purchase. Fun and effective -- thx for tip. Jill, videoblogger in DC
Awesome Kiki! It sounds like you write from experience....
I think the key is not to fall into the standard traps of consumption and needs vs wants that is so prevalent these days. When we can get our kids to appreciate time spent with us more than that toy all their friends have (and they don't understand why they can't have it themselves), then we'll all be in a better place.
All you babies that said that the end of this toothpaste slash cd video were "graphic" "scary" and "made me wet my pants" are sooo very much in need of for the lack of better words-- needing therapy. I have THE oldest computer on the face of the earth that has windows 98. I waited umm 45 minutes for this to download thinking I was ready to "wet my pants" and all I saw was quick images that wouldnt scare a second grader. So pleeeeease shut up. That was not "scary" "graphic" or in need of depends. Freakin babies!!!!!!!
Sitting here right now, I could probably list some things I might like to do, but for the most part, if I were to die tonight, I can't think of a thing I would really regret not having done. Does this mean I am already at the end? Or have I achieved satori? Mainly, my life is just spent trying not to be too bored. I gave up on goals a long time ago. So, what's the purpose of life have to say about that?
I notice you list Esperanto associations in several English-speaking countries, but for some reason have left out Canada. We actually have both English and French-speaking branches here - is that why you excluded us?! ;-) http://www.esperanto.ca/kea/ http://www.esperanto.qc.ca/en
absoloutly love derren brown he kicks ass you should see the fulkl shows they will blow your mind. go onto youtube and look at the zombie one... the guy actually thought he was being atta cked by zombies!!!!!!!!!!!!!!!!!!
All of these comments were great. I do not think one can offer the blogger's generalization as a valid thought. It's not even worth the write up. Maybe one agent may have looked at selling a home that way...but I do not know of any. And yes, as agents we do want to sell the house quickly, but of course not at a loss as the homeowner does as well. They take a loss for every minute the house sits on the market don't they? And the cost of marketing a home is huge. There is not another industry, not even used car salesmen where it has been so accepted in a society to ask for a commission reduction. do you ask your dentist, your stock broker, your teachers for money out of their pockets? Im worth every penny of what I earn and I am a savvy marketer, however, some homes are just kept in very very bad shape and not very ofter is a homeowner going to listen to an agent about cleaning up a home to sell, pricing, or painting. Watch HGTV if you don't believe me. Agents know what they are doing and the ones I know do it well and sacrafice their time and money to sell the house at the best and highest price within the quickest amount of time. No question.
Several years ago, I was hounded by a collector. He called me at work, at home, and he even called my neighbors! He was ruthless. I had a credit card that went from a $2500 balance to over $7500 due to late fees, over the limit, etc. I was young and did not know my rights and I did not know how to negotiate. I had gone through a period of unemployment, followed by several months of under-employment. (My many part time jobs barely paid for rent, food, utilities and gas for the car.)
Everytime the phone rang, and it was "Craig", I literally became sick to my stomach. He berated me, threatened me, called me a loser and a bill-paying dodger. I was in tears at the end of every conversation. He told me he was taking me to court for every dime of the $7500. (I did not realize at the time that he could not sue me from New York when I lived in Kentucky. He would have to have a local attorney file in a court in my area.)
One day he decided to play nice cop. He told me that if I could come up with $1500, he would accept that as a settlement. I went to my mother in tears and asked for the money. It was no easy stretch for her, but she gave me $1500 and I wired it to Craig. He called to confirm that he had received the $1500. It was late in the day on a Friday afternoon, and I felt the weight of the world lift off of my shoulders. I will never forget what he said then: "I will call you Monday to talk about when you can pay the rest of the balance." My heart sank. It was over that weekend that I began to really educate myself about debt and collections. Although I had not gotten the "settlement" in writing, I was prepared for Mr. Craig when he called again. I told him point blank not to call me again, and that if he did, I would contact an attorney. He never called again. But let me tell you, that man made my life a living hell for several months. I will never forget it.
I've been reading personal finance books, with an eye toward writing reviews here. A few too many long, complicated descriptions about how to comply with US tax laws and something just snapped in my brain.
I feel much better now.
Also, I was confused for a long time by the two different things called money laundering. I did finally come to understand--that there were two different things--and wanted to share that insight in particular.
OMG! I went through the same thing 2 yrs. ago! My situation is a little different.
Get a lawyer!! Pronto! The lawyer can call the bill collectors and let them know what the situation is. You can tell these bill collectors till your blue in the face what is going on but they won't believe you, they hear "stories" all the time and they don't know which to believe. Why didn't the other auto insurance pay? Anyways get a lawyer, don't do it on your own.
I had close to 100,000$ in medical bills because of an accident my cousin caused. We were traveling cross country to get to Michigan (my brother was getting married). It was me and her and my 2 boys. Well she ended up falling asleep driving. My truck flipped several times and we all went to the hospital. My auto insurance said because I was missing a certain coverage (PIP) on my full coverage insurance that I had to use my health insurance. My health insurance paid a portion and then they figured out it was from an auto accident. My auto insurance was then going to pay 100% of all my bills and my kids bills. Well it took so long to settle that my bills went into collections because I don't have that kind of cash. I had 16 medical bills just for my kids alone and yes the calls came and I told them what was going on and of course they didn't believe me. I had the insurance call them and send letters. I had the lawyers call too. The insurance took the sweet time getting the settlement done and my credit is not as good as it was. Which makes me so mad because this wasn't my fault. The bill collectors told me that even though the bills would get paid that they were still my bills and I had to take care of them. I almost would cry talking to them and I think they could hear it in my voice because some said they would wait a couple more weeks and for me to call them and let them know what was going on. Anyways I just got done with the settlement this year! What a big relief it was too!
In theory you could live of the interest of a million dollars. Let us say that you decide to "fill in" with walks on the beach and volunteering. Perhaps you grow a garden. Suddenly you're spending less on petrol, childcare (maybe), work clothes, stress related problems. Your kids are happier, and prefer your time and attention to expensive toys. With time to burn and spare, you and your spouse are closer. You are happy, and suddenly spending less. A lot less, in fact. Quite a lot less. In fact, less than your interest...
Congratulations! You're savings are growing on 0 income! Whoo hoo!
Hi, Rayoh. I think what you actually have is soft water (salty water is considered soft, unless there are a myriad of other dissolved chemicals that make it hard). In any case, I'm not sure what to tell you about filtering your water because I don't know what's available to you. Here, people either install a filter on their faucet or buy a filtered pitcher to fill. I use a Brita. Some people swear by the Pur filters.
My friend's family has a very intricate reverse osmosis filtration system that is installed under their sink. It filters the water several times before sending it to the faucet. But I'm not sure if all plumbing systems permit this kind of system.
No recycling in Europe? I've never heard of such a thing!
Here's one you forgot:
If you have time to sit around finding grammatical errors in Web stories about how to tell when you're about to get axed...guess what.
Is to cut up the cards and close the accounts.
Stupid advice for the weak part of consumerist society.
If you've reached a level to do this you better get out of USA before it is too late fore you:)
That gave me a chuckle too. I think I saw this on an episode of Becker too.
..it doesn't work for online purchase, I'm afraid.
I've long since memorized my credit card numbers, expiry dates, and numbers on the back of the card (that 3 digit security code?) since I check my credit card statements every day.
Thanks for fixing my careless oversight!
What actually happened was that I was working off the site statistics that list where the Wise Bread readers are, scanning through the list looking for English speaking countries--but that list didn't include Canada; it just had "north America" as one group.
Thanks for this thread. Now let's talk about me (ha...only-child syndrome). Your comments have been fortifying. After some big moments of financial clarity, my husband and I realized big changes were in order. For this year, we've lived 23% under our income, investing & slowly paying off debt with that margin. It's been a mix between gratifying & frustrating, I suppose with the emotional realization that big results just don't happen overnight. Your posts however came at the right time. We haven't really considered eventually being millionaires -- more just to be healthier with finances. But your points lead to possibly our next financial vision: directing mindful, controlled spending toward millionaire-hood. Really gained from this. Jill, videoblogger in DC
Thanks Nora for my day's first smile (-awoke particularly early for a Sunday). And with your idea --- as an added bonus to suppressing credit card buys - you get that archaeological-dig thrill when you thaw the iced card for that must-have purchase. Fun and effective -- thx for tip. Jill, videoblogger in DC
Awesome Kiki! It sounds like you write from experience....
I think the key is not to fall into the standard traps of consumption and needs vs wants that is so prevalent these days. When we can get our kids to appreciate time spent with us more than that toy all their friends have (and they don't understand why they can't have it themselves), then we'll all be in a better place.
Simple is good!
i think you should stick to "legal" advice
If they were purchased throuh Target on Amazon's site, couldn't you have just returned them to your local Target?
All you babies that said that the end of this toothpaste slash cd video were "graphic" "scary" and "made me wet my pants" are sooo very much in need of for the lack of better words-- needing therapy. I have THE oldest computer on the face of the earth that has windows 98. I waited umm 45 minutes for this to download thinking I was ready to "wet my pants" and all I saw was quick images that wouldnt scare a second grader. So pleeeeease shut up. That was not "scary" "graphic" or in need of depends. Freakin babies!!!!!!!
I've always wondered what 'money laundering' meant in movies... now it finally makes sense! Thanks!
Sitting here right now, I could probably list some things I might like to do, but for the most part, if I were to die tonight, I can't think of a thing I would really regret not having done. Does this mean I am already at the end? Or have I achieved satori? Mainly, my life is just spent trying not to be too bored. I gave up on goals a long time ago. So, what's the purpose of life have to say about that?
I notice you list Esperanto associations in several English-speaking countries, but for some reason have left out Canada. We actually have both English and French-speaking branches here - is that why you excluded us?! ;-)
http://www.esperanto.ca/kea/
http://www.esperanto.qc.ca/en
absoloutly love derren brown he kicks ass you should see the fulkl shows they will blow your mind. go onto youtube and look at the zombie one... the guy actually thought he was being atta cked by zombies!!!!!!!!!!!!!!!!!!
All of these comments were great. I do not think one can offer the blogger's generalization as a valid thought. It's not even worth the write up. Maybe one agent may have looked at selling a home that way...but I do not know of any. And yes, as agents we do want to sell the house quickly, but of course not at a loss as the homeowner does as well. They take a loss for every minute the house sits on the market don't they? And the cost of marketing a home is huge. There is not another industry, not even used car salesmen where it has been so accepted in a society to ask for a commission reduction. do you ask your dentist, your stock broker, your teachers for money out of their pockets? Im worth every penny of what I earn and I am a savvy marketer, however, some homes are just kept in very very bad shape and not very ofter is a homeowner going to listen to an agent about cleaning up a home to sell, pricing, or painting. Watch HGTV if you don't believe me. Agents know what they are doing and the ones I know do it well and sacrafice their time and money to sell the house at the best and highest price within the quickest amount of time. No question.
Several years ago, I was hounded by a collector. He called me at work, at home, and he even called my neighbors! He was ruthless. I had a credit card that went from a $2500 balance to over $7500 due to late fees, over the limit, etc. I was young and did not know my rights and I did not know how to negotiate. I had gone through a period of unemployment, followed by several months of under-employment. (My many part time jobs barely paid for rent, food, utilities and gas for the car.)
Everytime the phone rang, and it was "Craig", I literally became sick to my stomach. He berated me, threatened me, called me a loser and a bill-paying dodger. I was in tears at the end of every conversation. He told me he was taking me to court for every dime of the $7500. (I did not realize at the time that he could not sue me from New York when I lived in Kentucky. He would have to have a local attorney file in a court in my area.)
One day he decided to play nice cop. He told me that if I could come up with $1500, he would accept that as a settlement. I went to my mother in tears and asked for the money. It was no easy stretch for her, but she gave me $1500 and I wired it to Craig. He called to confirm that he had received the $1500. It was late in the day on a Friday afternoon, and I felt the weight of the world lift off of my shoulders. I will never forget what he said then: "I will call you Monday to talk about when you can pay the rest of the balance." My heart sank. It was over that weekend that I began to really educate myself about debt and collections. Although I had not gotten the "settlement" in writing, I was prepared for Mr. Craig when he called again. I told him point blank not to call me again, and that if he did, I would contact an attorney. He never called again. But let me tell you, that man made my life a living hell for several months. I will never forget it.
I've been reading personal finance books, with an eye toward writing reviews here. A few too many long, complicated descriptions about how to comply with US tax laws and something just snapped in my brain.
I feel much better now.
Also, I was confused for a long time by the two different things called money laundering. I did finally come to understand--that there were two different things--and wanted to share that insight in particular.
I am curious as to your inspiration for this post. A work associate, neighbor, family member, or just general observation?
OMG! I went through the same thing 2 yrs. ago! My situation is a little different.
Get a lawyer!! Pronto! The lawyer can call the bill collectors and let them know what the situation is. You can tell these bill collectors till your blue in the face what is going on but they won't believe you, they hear "stories" all the time and they don't know which to believe. Why didn't the other auto insurance pay? Anyways get a lawyer, don't do it on your own.
I had close to 100,000$ in medical bills because of an accident my cousin caused. We were traveling cross country to get to Michigan (my brother was getting married). It was me and her and my 2 boys. Well she ended up falling asleep driving. My truck flipped several times and we all went to the hospital. My auto insurance said because I was missing a certain coverage (PIP) on my full coverage insurance that I had to use my health insurance. My health insurance paid a portion and then they figured out it was from an auto accident. My auto insurance was then going to pay 100% of all my bills and my kids bills. Well it took so long to settle that my bills went into collections because I don't have that kind of cash. I had 16 medical bills just for my kids alone and yes the calls came and I told them what was going on and of course they didn't believe me. I had the insurance call them and send letters. I had the lawyers call too. The insurance took the sweet time getting the settlement done and my credit is not as good as it was. Which makes me so mad because this wasn't my fault. The bill collectors told me that even though the bills would get paid that they were still my bills and I had to take care of them. I almost would cry talking to them and I think they could hear it in my voice because some said they would wait a couple more weeks and for me to call them and let them know what was going on. Anyways I just got done with the settlement this year! What a big relief it was too!
There's enough balogna in this blog to make sandwiches for the whole world! Maybe Paul should get a job with Oscar Mayer!
In theory you could live of the interest of a million dollars. Let us say that you decide to "fill in" with walks on the beach and volunteering. Perhaps you grow a garden. Suddenly you're spending less on petrol, childcare (maybe), work clothes, stress related problems. Your kids are happier, and prefer your time and attention to expensive toys. With time to burn and spare, you and your spouse are closer. You are happy, and suddenly spending less. A lot less, in fact. Quite a lot less. In fact, less than your interest...
Congratulations! You're savings are growing on 0 income! Whoo hoo!
I picked mine up on the way home from work. What a great way to start the weekend!
Hi, Rayoh. I think what you actually have is soft water (salty water is considered soft, unless there are a myriad of other dissolved chemicals that make it hard). In any case, I'm not sure what to tell you about filtering your water because I don't know what's available to you. Here, people either install a filter on their faucet or buy a filtered pitcher to fill. I use a Brita. Some people swear by the Pur filters.
My friend's family has a very intricate reverse osmosis filtration system that is installed under their sink. It filters the water several times before sending it to the faucet. But I'm not sure if all plumbing systems permit this kind of system.
No recycling in Europe? I've never heard of such a thing!
Here's one you forgot:
If you have time to sit around finding grammatical errors in Web stories about how to tell when you're about to get axed...guess what.