Boston Gal got me hooked to the PF blogging world. I love to read about her investments, her topsy turvy planters, Solar panels and the suspense she has recently created regarding her new car purchase.
I think it is interesting that in Washington State, where I live, rainwater collecting is illegal. For a "green" state, I have noticed it does very little in the way of supporting eco-living. Public transit in Seattle is an absolute sham compared to Portland. Recycling is also more difficult, although this may be regional. I've lived in California and Maryland and both states had much better recycling programs than I've seen here.
It is a toss up between Ramit Sethi and Tim Ferris. I like Tim's worth ethic (4 hour work week) and Ramit's ideas about frugality (make more than you spend, not spend less than you earn).
Credit Card companies make huge profits on merchants fees.
It's only an excuse to make more money for them and increase the rates. It looks like a cartel to me that control prices.
More to that, merchant cash advance companies are much dangerous loan sharks that take advantage of merchants by charging %40 for 4 month and fees.
Great points about selling yours before buying. Here are some still real scenarios that can happen though:
A) You sell your place conditionally, then buy the new place, and your conditional sale falls through. Naysayers of buying before selling would probably still consider this risky though; maybe the sale should be firm first.
B) If you need to buy in a different area where there isn't a lot of movement in the market, it may be tempting to take advantage of a home on the market, especially if historically the homes in your own neighborhood sell quickly. Again: risky, but people do it. Circumstance can dictate some different or uncharacteristic decisions.
@kazari - Great idea! I've heard of rental mortgages, but not in the form of a home swap. Has anybody done this (or does anybody know someone who has done this)?
I am soon to be 59 and was diagnosed with prostate cancer in 2002. I had surgery then and my doctor gave me a clean bill of health. I never had any recurrence and I feel fine. I have been rejected by all life insurance companies that I have applied for. Is there one that you know that will accept to insure me?
My wife and I are averse to risk and are also big savers. This is a very frustrating situation for us. Used to be that even 5 years ago, we'd finance our vacations off the interest from our savings. Needless to say, no vacations planned for the near future.
IMO, for all the lip service about wanting people to save, I think that the powers that be don't want people to stuff money into savings cash accounts. They want you to lubricate the economy by spending that money.
Excellent advice. Unfortunately many saver friends of mine could not handle getting 1 or 2% interest on their savings so they went into the stock market and lost half of their savings. If these people had taken your advice at least they would still have their savings intact. Keep up the good work.
We were stuck in Atlanta during what turned out to be a 7 hour "layover" on our way home from Mexico. So I attempted to kill some time by purchasing a Boingo wi-fi day pass. Within 30 minutes I was blocked from their wi-fi for 'excessive' connections, despite me just browsing news websites. I attempted all fixes on my end before calling customer service. I ended up being stuck in the initial queue for like 30 minutes before I gave up and went back to the "old fashioned" airport time killer -- reading.
Wow, that was a whole dissertation. Well said though.
I particularly agree with the "Millionaire Next Door" nod. That is on my top ten of recommendations as well. I agree with the rest of what you wrote as well, although I still maintain that the value that could be taken from the game (and books) for the average person is worth the relatively low $120 eBay cost when compared to other more expensive lessons.
I have spoken with people who mentioned having student loan balances as many as 20 years after graduation. One of the neat but dangerous features of many student loans is the loan deferment feature -- that is you don't have to make payments if you can get a deferment for unemployment or illness. However, interest still accrues during this time, on the entire balance. Though the helpfulness of servicing companies can vary, info on student loan balances (their rise and fall with payments applied, etc.) could be available from the lender or servicing company.
For 2 years I debated on canceling my Cable TV and finally I did. my wife was a little pissed off about about but she kind of accepted it. I have a 20' iMac and a 37' HDTV and VGA and/or DVI/HDMI inputs all going from my Imac to my HDTV and I like to watch a lot of TV Shows that I missed over the the years. A pay a small month price of $19.00 for 3click.tv that has every TV Show that cam out with no commercials and it's worth every dollar and way less then Cable TV. i really got pissed of at cable TV because of the same commercials , the same news every half hour and when MJ died my wife watch the the news on him every day for the past 9 days and that for me says enough is enough.She was always glued to Cable TV not me, ha,ha... not me . Now that I had it disconnected the stress is gone and I save $50.oo a month now. I say CABLE TV...WHO NEEDS IT THES DAYS.
It doesn't get better than Squawkfox.
Trent at the simple dollar.
Boston Gal got me hooked to the PF blogging world. I love to read about her investments, her topsy turvy planters, Solar panels and the suspense she has recently created regarding her new car purchase.
The Simple Dollar is great.
Definitely Boston Gal from BostonGals.com (Boston Gal's Open Wallet)!
Dave Ramsey... his message doesn't change and it always works.. no debt!
I think it is interesting that in Washington State, where I live, rainwater collecting is illegal. For a "green" state, I have noticed it does very little in the way of supporting eco-living. Public transit in Seattle is an absolute sham compared to Portland. Recycling is also more difficult, although this may be regional. I've lived in California and Maryland and both states had much better recycling programs than I've seen here.
Trent at Simple Dollar. Hands down the best.
This entire blog is usually really helpful.
http://www.getrichslowly.org/blog/
Dave Ramsey of course!
It is a toss up between Ramit Sethi and Tim Ferris. I like Tim's worth ethic (4 hour work week) and Ramit's ideas about frugality (make more than you spend, not spend less than you earn).
The frugal dutchess!
There is a website that you can sign up to for this, does anyone remember what it is?
Great advice here, pretty helpful, and the graphs are great visuals.
Credit Card companies make huge profits on merchants fees.
It's only an excuse to make more money for them and increase the rates. It looks like a cartel to me that control prices.
More to that, merchant cash advance companies are much dangerous loan sharks that take advantage of merchants by charging %40 for 4 month and fees.
Wow great ideas, what good ways to save money!What about other canned products, any ideas for grean beans or peas?
Great points about selling yours before buying. Here are some still real scenarios that can happen though:
A) You sell your place conditionally, then buy the new place, and your conditional sale falls through. Naysayers of buying before selling would probably still consider this risky though; maybe the sale should be firm first.
B) If you need to buy in a different area where there isn't a lot of movement in the market, it may be tempting to take advantage of a home on the market, especially if historically the homes in your own neighborhood sell quickly. Again: risky, but people do it. Circumstance can dictate some different or uncharacteristic decisions.
@kazari - Great idea! I've heard of rental mortgages, but not in the form of a home swap. Has anybody done this (or does anybody know someone who has done this)?
I am soon to be 59 and was diagnosed with prostate cancer in 2002. I had surgery then and my doctor gave me a clean bill of health. I never had any recurrence and I feel fine. I have been rejected by all life insurance companies that I have applied for. Is there one that you know that will accept to insure me?
Thanks
My wife and I are averse to risk and are also big savers. This is a very frustrating situation for us. Used to be that even 5 years ago, we'd finance our vacations off the interest from our savings. Needless to say, no vacations planned for the near future.
IMO, for all the lip service about wanting people to save, I think that the powers that be don't want people to stuff money into savings cash accounts. They want you to lubricate the economy by spending that money.
Excellent advice. Unfortunately many saver friends of mine could not handle getting 1 or 2% interest on their savings so they went into the stock market and lost half of their savings. If these people had taken your advice at least they would still have their savings intact. Keep up the good work.
We were stuck in Atlanta during what turned out to be a 7 hour "layover" on our way home from Mexico. So I attempted to kill some time by purchasing a Boingo wi-fi day pass. Within 30 minutes I was blocked from their wi-fi for 'excessive' connections, despite me just browsing news websites. I attempted all fixes on my end before calling customer service. I ended up being stuck in the initial queue for like 30 minutes before I gave up and went back to the "old fashioned" airport time killer -- reading.
Thank you so much i am really glad to read this thank you.
i really like this and this is very use full for me.
thank you again.
Wow, that was a whole dissertation. Well said though.
I particularly agree with the "Millionaire Next Door" nod. That is on my top ten of recommendations as well. I agree with the rest of what you wrote as well, although I still maintain that the value that could be taken from the game (and books) for the average person is worth the relatively low $120 eBay cost when compared to other more expensive lessons.
I have spoken with people who mentioned having student loan balances as many as 20 years after graduation. One of the neat but dangerous features of many student loans is the loan deferment feature -- that is you don't have to make payments if you can get a deferment for unemployment or illness. However, interest still accrues during this time, on the entire balance. Though the helpfulness of servicing companies can vary, info on student loan balances (their rise and fall with payments applied, etc.) could be available from the lender or servicing company.
For 2 years I debated on canceling my Cable TV and finally I did. my wife was a little pissed off about about but she kind of accepted it. I have a 20' iMac and a 37' HDTV and VGA and/or DVI/HDMI inputs all going from my Imac to my HDTV and I like to watch a lot of TV Shows that I missed over the the years. A pay a small month price of $19.00 for 3click.tv that has every TV Show that cam out with no commercials and it's worth every dollar and way less then Cable TV. i really got pissed of at cable TV because of the same commercials , the same news every half hour and when MJ died my wife watch the the news on him every day for the past 9 days and that for me says enough is enough.She was always glued to Cable TV not me, ha,ha... not me . Now that I had it disconnected the stress is gone and I save $50.oo a month now. I say CABLE TV...WHO NEEDS IT THES DAYS.