Hi learning the ropes, the interest buy down is a part of closing costs. You can negotiate a loan with interest buy down if the seller is willing to pay for the cost to buy it down.
It is true that it is harder to get financing currently, but a buyer with a big enough downpayment , good credit, and good income can still get a loan. The fact is just that banks are getting more sane about their risks and going back to the lending criteria of prior decades. People were able to buy homes back then because they saved more, and people can still buy homes now if they save more.
As to guest's comments, I don't understand why a seller would badmouth a buyer for asking for discounts. It is common sense to do so.
The reason why the tires are failing after 6 years is because they are made with synthetic rubber not with natural rubber like they used to be made with.The natural rubber plantations were in areas of the world that had social and economical upheaval so of course the petroleum industry jumped in to fill the void with synthetic rubber.
Only problem with synthetic rubber is it begins to breaks down when it is exposed to UV light which is sun light. Also frequent heat changes from driving and then stopping.
Friction cause the tires to heat up,the air inside expands causing the rubber to expand.Then you stop,the air cools off and the tire contracts.
Then add in places that have variable weather conditions.This all effects synthetic rubber tires.
Ask a old person if they ever had these problems and they say no.They drove with natural rubber tires back them.
Want to see what the suns UV light does to a petroleum product?
Look at freshly paved asphalt.It is nice and black.Later on you will notice it starts to turn a gray color.
The suns UV light is breaking down the liquid petroleum asphalt binder that holds the rock and sand together.If you ever come upon a place where they have cut a section of asphalt out of a roadway ,look at the side you will see that inside where the suns UV hasn't penetrated it is still black.
That is what the sun is doing to your synthetic rubber tire.
Two points:
First, it's a buyers market largely because most would be buyers can't get financing. One can argue that it isn't a real buyers market. It is a lack of qualified buyers, that make it a buyers market for the few remaining financially ready buyers. Consideration and cooperation between buyer and seller is a better idea.
Second, a house is generally a long term investment. If you plan on living in the house, the buyer should exercise restraint. A smart buyer doesn't want the seller bad mouthing the buyer to the neighbors, or friends still in the area. A dream home isn't, with suspicious or hostile neighbors. Again, consideration and cooperation will be a better long term move.
While looking for a condo to buy, we recently came across an offer, where seller had paid the lender some money to bring the rate of interest down. The rate of interest was so attractive when compared to the going market rate that it alone tipped the balance heavily in favor of that condo. Although the deal didn't get through for other reasons, this is a big perk to look for, the difference between our monthly mortgage payments was dramatic because of the interest rates.
So may I ask you this: How much are the lives of our forefathers worth to you? What would your price be? How much would you sell out this great Nation for?
It incenses me just thinking that some of you may entertain the notion... Whether or not you agree with any of the politicians (I don't), whether or not you believe your vote matters, that right to vote and that right to live in this Nation came at a terrible price. To me, as broken as our system is, I'd gladly give my life to defend it, rather than live under some other system on this earth. Our system isn't great, and isn't getting any better no thanks to soulless politicians on both sides of the fence... but I believe it's better than any other system out there.
Keep your money, all you who are corrupt enough to even think of cheapening my vote. It's just money. Money can be replaced; our rights are much harder to replace.
Voting is a privilege not to be taken lightly. If you're willing to sell your vote, feel free to leave and go to a nation where your vote won't count.
I often get Subway's $5 footlongs for lunch so I've been playing their Subway Scrabble game. So far, the only thing I won was a cookie but that's something.
K-Meleon has had that feature for a very long time. It has a toolbar button that takes you up one level or to the root of the domain. It's useful whenever I want to trim a link to its bare minimum before posting it to delicious.com.
Here in Hollyweird it's amazing how much women pay to have their hair done - Cuts over $100 are not extraordinary - but that still seems like a lot to me. I stopped going that way when I had what to me was an expensive cut - and frankly, it wasn't worth the money. I don't care if the salon is fancy - just give me a GOOD haircut. Whenever I can get to the W. Side, I go to the Sassoon Academy for a cut at about $20. It takes a long time, but the cuts are terrific and grow out beautifully (a mark of a good cut). I have also observed and learned what makes a good cut - so I can judge the stylist who is cutting my hair. And inbetween, I let my hair grow out.
As for color, I do it myself - with highlights on very dirty hair with regular hydrogen peroxide! Then I mix 1/2 and 1/2 red and blonde shampoo and keep it on under a shower cap in a hot bath for at least 20 minutes. (A stylist did the same and put me under a hood hair dryer once.) The conditioning with 1/2 and 1/2 blonde and red conditioner (Still working on a stash I got at the 99 Cent store a few years ago!) Also use sale items and samples!
For my greying temples, I have found that occasionally touching them up with strong hot COFFEE works for me to blend it in! Easy, cheap and no allergic reaction. I plan to keep on with my home methods, perhaps ratcheting it up a bit as my hair greys.....
The problem isn't coverage when you become sick--insurance usually pays for that just fine.
The problems arise two places:
The first attempt to get insurance after leaving a group policy. If you've ever been seriously sick, the insurance companies are prone to just deny your application for a policy. If you've just had one specific thing, they may just deny coverage for that one thing as a preexisting condition--but sometimes it's a huge thing, such as denying coverage for "heart disease" or "cancer."
Renewing a policy. If you get sick, the insurance company will pay--but very possibly, it will only pay for that year. The following year they may refuse to renew your policy. (And, of course, if that happens, no one else is going to want to insure you either.)
These things generally don't happen with employer-provided policies, which are usually set up as group policies where everyone in the group (all employees, for example) is guaranteed coverage.
One big thrust of health insurance reform has been to try to require that insurance companies make group insurance available to groups other than employees, and to mandate larger groups. (With a small group you have a related problem--one person gets sick, the costs to the group shoot through the roof, everybody healthy enough leaves and gets cheaper insurance, and the old group is left with just a handful of sick people.)
I am frankly puzzled by the scenario painted in the above article. Of course, I, too, often feel blah - in real life I am attractive and in Hollywood I just played a "hideous old woman" ! (That really was the character description.)
But I believe more in maintenance - for that you have a regular beauty routine which you update regularly. Just ordered some night cream online, for example, as I am almost out. (It was on sale.) And I always have eye cream on hand, and moisturizer with sunscreen, et al.
There are so many great deals in inexpensive makeup and beauty products I don't believe there is any good reason to break the bank. For example, I LOVE certain shades of Wet N Wild lipstick, which I stock up on at $1 or so a lipstick! Ditto concealer & stick foundation. I also look at clearance bins - and just scored some Revlon mascara and makeup combos at Big Lots very inexpensively (The combos were down to $.50 so I bought FOUR.)
There are also coupons for mascara, and other beauty products - like the Olay lines. I buy those on sale and with coupons when I can.
I DON"T get my hair done while down because I am afraid how it will turn out - that I won't be assertive enough to demand what I WANT! - And I still think I can do my own makeup better than a dept. store makeup artist!
So I realize in this realm I am not impulsive AT ALL. Except in as much as I buy brand products deeply discounted at dollar stores and so on! I know what suits me & I more or less stick to it.
Getting dressed up and going out and pulling myself together cheers me up, tho!
I am frankly puzzled by the scenario painted in the above article. Of course, I, too, often feel blah - in real life I am attractive and in Hollywood I just played a "hideous old woman" ! (That really was the character description.)
But I believe more in maintenance - for that you have a regular beauty routine which you update regularly. Just ordered some night cream online, for example, as I am almost out. (It was on sale.) And I always have eye cream on hand, and moisturizer with sunscreen, et al.
There are so many great deals in inexpensive makeup and beauty products I don't believe there is any good reason to break the bank. For example, I LOVE certain shades of Wet N Wild lipstick, which I stock up on at $1 or so a lipstick! Ditto concealer & stick foundation. I also look at clearance bins - and just scored some Revlon mascara and makeup combos at Big Lots very inexpensively (The combos were down to $.50 so I bought FOUR.)
There are also coupons for mascara, and other beauty products - like the Olay lines. I buy those on sale and with coupons when I can.
I DON"T get my hair done while down because I am afraid how it will turn out - that I won't be assertive enough to demand what I WANT! - And I still think I can do my own makeup better than a dept. store makeup artist!
So I realize in this realm I am not impulsive AT ALL. Except in as much as I buy brand products deeply discounted at dollar stores and so on! I know what suits me & I more or less stick to it.
Getting dressed up and going out and pulling myself together cheers me up, tho!
I think, in writing a story about how frugal it is to stay thin, that you should give credit for the non frugal way that the picture (Melting Mama) lost weight. She had a RNY gastric bypass, and now has reactive hypoglycemia which causes seizures.
The only long term solution to losing weight is major medical interventions in the form of surgery. And, many of us have major complications which can be very expensive. Not too frugal of a solution.
Instead of focusing on how "thinness" equates to frugalness, perhaps a story about how fitness, regardless of size or weight, is truely a frugal lifestyle. Walking for exercise instead of joining a gym, activity with family instead of television or movies, etc. But, less of the "fat bashing" and "lets make fun of fat people," and more about what actually makes us healthy.
I always come to wise bread to take a break from studying my endless sociology lessons. (so, very, sleepy).
I recently lost two very dear people to me- and I realized I was overspending, but I couldn't stop. It felt like the only thing I could do to bring something new and happy in my life- it almost represented "hope" for something better. For shame.
I went online, and though I didn't buy anything I couldn't use, I realized what I was doing afterwards. I never would have bought everything all at once like that, but realized that I had this urgency to my purchases.
While I realized that I was just spending in grief of my loved ones, I didn't want to stop. I am still fighting the urge to go online and buy stuff- but at least now I REALIZE what I'm doing and can take a step back to think about it.
It amazes me what we don't really "know" we're doing! Thanks for posting this!
We once went through a bit of a drought thanks to miscalculations - it was horrible that it affected me so much; I wish I hadn't been so emotional about it. I just felt like we tried and tried to get out of a hard place and failed anyway. But it's true, these times do end and when they do you realise that perhaps you haven't done too much damage after all. In the end, things turned out fine.
I used to manage a chain clothing store. We managers had the authority to give discounts within reason. We had a huge list of reasons on our register, one of which was 'damaged'. One of our orientation speeches for new employees was about the employee discount--don't misuse your discounts to buy stuff for your buddies. We can give them a 10-15% discount if they just ASK.
Our store had a 7-day refund policy, too--you don't even have to bring in the item, just the receipt that shows the price you paid, and we would refund the difference in your original payment method. Just ask nicely. Most stores don't advertise it, but many have this policy.
One of the greatest ways to get discounts without seeming to be greedy/cheap is to talk to the employees. If Sally remembers you telling her that your son loves X, she'll call you when X goes on sale, or make sure you know about the 'secret sale', or remind you to cash in your reward points/use your preferred shopper card/tell you about the coupon, etc. As a manager, I would give 5-10% discounts to a certain customer because she shopped our store regularly, and always brought a friend. Chat up the cashier, compliment the manager on something, tell them you'll be coming in next week to buy Y--and just ASK. POLITELY.
Since politicians regularly sell their votes and for hefty sums (nevermind their souls). why can't i have the same privilege. why is it that government officials and politicians are allowed to make a profit selling out the USA, whats wrong with me trying to get in on the action?
Like Guest said - "Thanks - I needed that". I think a lot of people need that kind of motivator to keep them going. It's rought when stuff happens unexpectedly, leaving you feel like a financial failure, even if it wasn't technically your fault. Like many things in your life, you have to learn how to pick yourself back up and keep going to make sure your finances stay in order. Remember your goals and moving forward is a never-ending process. Thanks for the reminder!
I thought I was doing well earlier this year buying 4 x investment properties. Unfortunately I've had to put a new heating system in 2 of them costing £5000 in total.
I sometimes wonder if I would have been better paying down my debt with the cash I've laid out rather than investing.
As always, the best advice is not to dwell on it but rather look on the bright side.
No. Never. No way, no how, precisely because of how hard my foremothers fought for my right to vote. I know there are people out there who say that my vote doesn't really count, and that I'm naive to think it's worth anything, but they've given up and I haven't.
Seeing as how I don't see a clear personal choice among the presidential candidates this time around, I'd be lying if I said I wouldn't consider selling my vote to someone who did have a preference.
Unclear on what you mean about insurance unavailable to sick. Are you referring to pre-exisiting conditions? Otherwise, wouldn't the insurance cover any new illness or malady that surfaces?
Most people sell their vote already for tax cuts that are paid for with borrowed money. If you think you can redistribute the tax burden so that you never have to pay for your own tax cut-- you must be wealthy.
If it weren't illegal I'd be surprised if any of the above posters would actually turn down $200. You're naive if you think your vote will matter in a two-party system. The real question is who would pay you anything, since voting must be secret, and you could easily pocket money from all the candidates.
So you could hypothetically have my vote for $100. Since the other party would also be giving me $100, this would give you an even chance in a coin toss, which would benefit you if your a long-shot. If the voting system allowed me to cast a vote of "none of the above", my vote would cost a good deal more.
On our white board on the fridge is a sentance. It reads, "We're still here." An older lady told me of the really rough times she and her family went through and said, "We thought we wouldn't make it, but we're still here." I can relate to your troubles, and though there's no way for us to fix things for you, just know you're not in this alone.
Hi learning the ropes, the interest buy down is a part of closing costs. You can negotiate a loan with interest buy down if the seller is willing to pay for the cost to buy it down.
It is true that it is harder to get financing currently, but a buyer with a big enough downpayment , good credit, and good income can still get a loan. The fact is just that banks are getting more sane about their risks and going back to the lending criteria of prior decades. People were able to buy homes back then because they saved more, and people can still buy homes now if they save more.
As to guest's comments, I don't understand why a seller would badmouth a buyer for asking for discounts. It is common sense to do so.
The reason why the tires are failing after 6 years is because they are made with synthetic rubber not with natural rubber like they used to be made with.The natural rubber plantations were in areas of the world that had social and economical upheaval so of course the petroleum industry jumped in to fill the void with synthetic rubber.
Only problem with synthetic rubber is it begins to breaks down when it is exposed to UV light which is sun light. Also frequent heat changes from driving and then stopping.
Friction cause the tires to heat up,the air inside expands causing the rubber to expand.Then you stop,the air cools off and the tire contracts.
Then add in places that have variable weather conditions.This all effects synthetic rubber tires.
Ask a old person if they ever had these problems and they say no.They drove with natural rubber tires back them.
Want to see what the suns UV light does to a petroleum product?
Look at freshly paved asphalt.It is nice and black.Later on you will notice it starts to turn a gray color.
The suns UV light is breaking down the liquid petroleum asphalt binder that holds the rock and sand together.If you ever come upon a place where they have cut a section of asphalt out of a roadway ,look at the side you will see that inside where the suns UV hasn't penetrated it is still black.
That is what the sun is doing to your synthetic rubber tire.
Two points:
First, it's a buyers market largely because most would be buyers can't get financing. One can argue that it isn't a real buyers market. It is a lack of qualified buyers, that make it a buyers market for the few remaining financially ready buyers. Consideration and cooperation between buyer and seller is a better idea.
Second, a house is generally a long term investment. If you plan on living in the house, the buyer should exercise restraint. A smart buyer doesn't want the seller bad mouthing the buyer to the neighbors, or friends still in the area. A dream home isn't, with suspicious or hostile neighbors. Again, consideration and cooperation will be a better long term move.
While looking for a condo to buy, we recently came across an offer, where seller had paid the lender some money to bring the rate of interest down. The rate of interest was so attractive when compared to the going market rate that it alone tipped the balance heavily in favor of that condo. Although the deal didn't get through for other reasons, this is a big perk to look for, the difference between our monthly mortgage payments was dramatic because of the interest rates.
So may I ask you this: How much are the lives of our forefathers worth to you? What would your price be? How much would you sell out this great Nation for?
It incenses me just thinking that some of you may entertain the notion... Whether or not you agree with any of the politicians (I don't), whether or not you believe your vote matters, that right to vote and that right to live in this Nation came at a terrible price. To me, as broken as our system is, I'd gladly give my life to defend it, rather than live under some other system on this earth. Our system isn't great, and isn't getting any better no thanks to soulless politicians on both sides of the fence... but I believe it's better than any other system out there.
Keep your money, all you who are corrupt enough to even think of cheapening my vote. It's just money. Money can be replaced; our rights are much harder to replace.
Voting is a privilege not to be taken lightly. If you're willing to sell your vote, feel free to leave and go to a nation where your vote won't count.
I often get Subway's $5 footlongs for lunch so I've been playing their Subway Scrabble game. So far, the only thing I won was a cookie but that's something.
K-Meleon has had that feature for a very long time. It has a toolbar button that takes you up one level or to the root of the domain. It's useful whenever I want to trim a link to its bare minimum before posting it to delicious.com.
Here in Hollyweird it's amazing how much women pay to have their hair done - Cuts over $100 are not extraordinary - but that still seems like a lot to me. I stopped going that way when I had what to me was an expensive cut - and frankly, it wasn't worth the money. I don't care if the salon is fancy - just give me a GOOD haircut. Whenever I can get to the W. Side, I go to the Sassoon Academy for a cut at about $20. It takes a long time, but the cuts are terrific and grow out beautifully (a mark of a good cut). I have also observed and learned what makes a good cut - so I can judge the stylist who is cutting my hair. And inbetween, I let my hair grow out.
As for color, I do it myself - with highlights on very dirty hair with regular hydrogen peroxide! Then I mix 1/2 and 1/2 red and blonde shampoo and keep it on under a shower cap in a hot bath for at least 20 minutes. (A stylist did the same and put me under a hood hair dryer once.) The conditioning with 1/2 and 1/2 blonde and red conditioner (Still working on a stash I got at the 99 Cent store a few years ago!) Also use sale items and samples!
For my greying temples, I have found that occasionally touching them up with strong hot COFFEE works for me to blend it in! Easy, cheap and no allergic reaction. I plan to keep on with my home methods, perhaps ratcheting it up a bit as my hair greys.....
The problem isn't coverage when you become sick--insurance usually pays for that just fine.
The problems arise two places:
These things generally don't happen with employer-provided policies, which are usually set up as group policies where everyone in the group (all employees, for example) is guaranteed coverage.
One big thrust of health insurance reform has been to try to require that insurance companies make group insurance available to groups other than employees, and to mandate larger groups. (With a small group you have a related problem--one person gets sick, the costs to the group shoot through the roof, everybody healthy enough leaves and gets cheaper insurance, and the old group is left with just a handful of sick people.)
I am frankly puzzled by the scenario painted in the above article. Of course, I, too, often feel blah - in real life I am attractive and in Hollywood I just played a "hideous old woman" ! (That really was the character description.)
But I believe more in maintenance - for that you have a regular beauty routine which you update regularly. Just ordered some night cream online, for example, as I am almost out. (It was on sale.) And I always have eye cream on hand, and moisturizer with sunscreen, et al.
There are so many great deals in inexpensive makeup and beauty products I don't believe there is any good reason to break the bank. For example, I LOVE certain shades of Wet N Wild lipstick, which I stock up on at $1 or so a lipstick! Ditto concealer & stick foundation. I also look at clearance bins - and just scored some Revlon mascara and makeup combos at Big Lots very inexpensively (The combos were down to $.50 so I bought FOUR.)
There are also coupons for mascara, and other beauty products - like the Olay lines. I buy those on sale and with coupons when I can.
I DON"T get my hair done while down because I am afraid how it will turn out - that I won't be assertive enough to demand what I WANT! - And I still think I can do my own makeup better than a dept. store makeup artist!
So I realize in this realm I am not impulsive AT ALL. Except in as much as I buy brand products deeply discounted at dollar stores and so on! I know what suits me & I more or less stick to it.
Getting dressed up and going out and pulling myself together cheers me up, tho!
I am frankly puzzled by the scenario painted in the above article. Of course, I, too, often feel blah - in real life I am attractive and in Hollywood I just played a "hideous old woman" ! (That really was the character description.)
But I believe more in maintenance - for that you have a regular beauty routine which you update regularly. Just ordered some night cream online, for example, as I am almost out. (It was on sale.) And I always have eye cream on hand, and moisturizer with sunscreen, et al.
There are so many great deals in inexpensive makeup and beauty products I don't believe there is any good reason to break the bank. For example, I LOVE certain shades of Wet N Wild lipstick, which I stock up on at $1 or so a lipstick! Ditto concealer & stick foundation. I also look at clearance bins - and just scored some Revlon mascara and makeup combos at Big Lots very inexpensively (The combos were down to $.50 so I bought FOUR.)
There are also coupons for mascara, and other beauty products - like the Olay lines. I buy those on sale and with coupons when I can.
I DON"T get my hair done while down because I am afraid how it will turn out - that I won't be assertive enough to demand what I WANT! - And I still think I can do my own makeup better than a dept. store makeup artist!
So I realize in this realm I am not impulsive AT ALL. Except in as much as I buy brand products deeply discounted at dollar stores and so on! I know what suits me & I more or less stick to it.
Getting dressed up and going out and pulling myself together cheers me up, tho!
I think, in writing a story about how frugal it is to stay thin, that you should give credit for the non frugal way that the picture (Melting Mama) lost weight. She had a RNY gastric bypass, and now has reactive hypoglycemia which causes seizures.
The only long term solution to losing weight is major medical interventions in the form of surgery. And, many of us have major complications which can be very expensive. Not too frugal of a solution.
Instead of focusing on how "thinness" equates to frugalness, perhaps a story about how fitness, regardless of size or weight, is truely a frugal lifestyle. Walking for exercise instead of joining a gym, activity with family instead of television or movies, etc. But, less of the "fat bashing" and "lets make fun of fat people," and more about what actually makes us healthy.
I always come to wise bread to take a break from studying my endless sociology lessons. (so, very, sleepy).
I recently lost two very dear people to me- and I realized I was overspending, but I couldn't stop. It felt like the only thing I could do to bring something new and happy in my life- it almost represented "hope" for something better. For shame.
I went online, and though I didn't buy anything I couldn't use, I realized what I was doing afterwards. I never would have bought everything all at once like that, but realized that I had this urgency to my purchases.
While I realized that I was just spending in grief of my loved ones, I didn't want to stop. I am still fighting the urge to go online and buy stuff- but at least now I REALIZE what I'm doing and can take a step back to think about it.
It amazes me what we don't really "know" we're doing! Thanks for posting this!
We once went through a bit of a drought thanks to miscalculations - it was horrible that it affected me so much; I wish I hadn't been so emotional about it. I just felt like we tried and tried to get out of a hard place and failed anyway. But it's true, these times do end and when they do you realise that perhaps you haven't done too much damage after all. In the end, things turned out fine.
I used to manage a chain clothing store. We managers had the authority to give discounts within reason. We had a huge list of reasons on our register, one of which was 'damaged'. One of our orientation speeches for new employees was about the employee discount--don't misuse your discounts to buy stuff for your buddies. We can give them a 10-15% discount if they just ASK.
Our store had a 7-day refund policy, too--you don't even have to bring in the item, just the receipt that shows the price you paid, and we would refund the difference in your original payment method. Just ask nicely. Most stores don't advertise it, but many have this policy.
One of the greatest ways to get discounts without seeming to be greedy/cheap is to talk to the employees. If Sally remembers you telling her that your son loves X, she'll call you when X goes on sale, or make sure you know about the 'secret sale', or remind you to cash in your reward points/use your preferred shopper card/tell you about the coupon, etc. As a manager, I would give 5-10% discounts to a certain customer because she shopped our store regularly, and always brought a friend. Chat up the cashier, compliment the manager on something, tell them you'll be coming in next week to buy Y--and just ASK. POLITELY.
Since politicians regularly sell their votes and for hefty sums (nevermind their souls). why can't i have the same privilege. why is it that government officials and politicians are allowed to make a profit selling out the USA, whats wrong with me trying to get in on the action?
Like Guest said - "Thanks - I needed that". I think a lot of people need that kind of motivator to keep them going. It's rought when stuff happens unexpectedly, leaving you feel like a financial failure, even if it wasn't technically your fault. Like many things in your life, you have to learn how to pick yourself back up and keep going to make sure your finances stay in order. Remember your goals and moving forward is a never-ending process. Thanks for the reminder!
I thought I was doing well earlier this year buying 4 x investment properties. Unfortunately I've had to put a new heating system in 2 of them costing £5000 in total.
I sometimes wonder if I would have been better paying down my debt with the cash I've laid out rather than investing.
As always, the best advice is not to dwell on it but rather look on the bright side.
that although it's just one vote, they all add up. There's a proverb that says something like "the longest journery starts with just one step."
No. Never. No way, no how, precisely because of how hard my foremothers fought for my right to vote. I know there are people out there who say that my vote doesn't really count, and that I'm naive to think it's worth anything, but they've given up and I haven't.
So no. My vote is my voice.
Seeing as how I don't see a clear personal choice among the presidential candidates this time around, I'd be lying if I said I wouldn't consider selling my vote to someone who did have a preference.
Unclear on what you mean about insurance unavailable to sick. Are you referring to pre-exisiting conditions? Otherwise, wouldn't the insurance cover any new illness or malady that surfaces?
Thanks!
Most people sell their vote already for tax cuts that are paid for with borrowed money. If you think you can redistribute the tax burden so that you never have to pay for your own tax cut-- you must be wealthy.
If it weren't illegal I'd be surprised if any of the above posters would actually turn down $200. You're naive if you think your vote will matter in a two-party system. The real question is who would pay you anything, since voting must be secret, and you could easily pocket money from all the candidates.
So you could hypothetically have my vote for $100. Since the other party would also be giving me $100, this would give you an even chance in a coin toss, which would benefit you if your a long-shot. If the voting system allowed me to cast a vote of "none of the above", my vote would cost a good deal more.
To Khurt
On our white board on the fridge is a sentance. It reads, "We're still here." An older lady told me of the really rough times she and her family went through and said, "We thought we wouldn't make it, but we're still here." I can relate to your troubles, and though there's no way for us to fix things for you, just know you're not in this alone.
Great tips to keep in mind. Also wanted to let you know this article was included in the 28th edition of the money hacks carnival.