If the food court is located inside the warehouse, Costco gatekeepers may be picky about letting you in. While external food courts are fair game for non-members, internal food courts may be off-limits.
The easiest way to get around a Costco gatekeeper is to have a Costco cash card. If you often eat at Costco, then you should consider the investment in one. You'll make your money back in no time.
These were all my primary areas of interest (writing major, anthropology minor -- husband has a master’s in english education) -- :) Hahah I definitely see all the points, and from a $$$ perspective, it’s definitely spot-on. Though, I’ll say it’s priceless to have a degree in writing that allows me to work from home while we raise our family!
I use Quicken. Every time I have used other personal finance software, I just keep on coming back to Quicken. Nothing else in my experience comes close.
I think they're relying heavily on a journalism degree=journalist position connection for this one. I have a creative writing degree but also specialized in professional communications/PR/grantwriting. I chose to live in a low-paying area and work in nonprofits, but even then my salaries were noticeably higher than my (very reasonable) student loan debt load and it was a very respectable albeit modest start ($40k at 22yo w/ $27k in loans). I'm well-positioned for better-paying careers now since I have developed expertise in other fields and am looking to move to a larger city. But if you'd compare my 'creative writing degree cost' with 'average pay for a nonfiction writer' you'd easily draw the same, sad conclusion.
To be honest I don't care about any opinion. None of this is a fact. People are different. Salesmen are as well. You want to feel as if you didn't get taken. Education is key right? I wouldn't buy something I didn't like. I don't force my customers to purchase any. We simply ask! Those old days of shady scams are over. If you paid to much it's your fault. Use the Internet for pricing. I have plenty of customers that I speak with weeklyx monthly and have bought multiple cars from me. Believe what you want. I don't lie to them nor do I have a reason to here. Don't bash salesman because of your mistakes. No business is going to lose money..
Very thoughtful comments, Alan...Thank you. Under most circumstances I'm certainly a proponent of accessing cash now vs. in the future. In this case the trade-off is that you lose 7% per year by doing so. If you believe you can invest the money at age 62 to get a consistent 7%+ return then that certainly would put you ahead. But doing so at a time so close to (or actually when you're in) retirement is a pretty risky proposition. Ultimately it's your call, of course. There are clearly circumstances where taking an early distribution makes sense - for example if you are single and in failing health. The main point is that, as is the case with Mary, exasperation shouldn't count as a reason.
I found this article because I am having a really hard time saying no to my family who "ambush" me every chance they get. I work from home as well and they just don't get it. I am now in the awkward position where I had to say yes to a week of babysitting when I really can't / don't want to do it. I feel terrible and it's probably too late to say no now... The next time, I will be trying #2 or 3, but some people just don't get it. I am pretty sure they will be angry at me for saying no.
Carrie Kirby cites 8 possible issues and attempts to make them fit with double talk and mislead her "ordinary people" to a paranoid and foolish endeavor. Kirby needs no licence to write, no fingerprint clearance to judge and no insurance to protect the "ordinary people" she speaks of "to save them money". No statistics. No evidence.
I'll leave you with one fact. FSBOs accounted for 9% of home sales in 2013. The typical FSBO home sold for $184,000 compared to $230,000 for agent-assisted home sales. That's $34,960 more that a Realtor brought to ordinary people AFTER commission.
Today at 12:00 I was told by gatekeeper I needed a Costco car to purchase food from the food court which is located in the building. I never had to how my card before.
when did policy start?
I use quicken. I love the charts (money spent looks so much prettier in pie chart format). And the ability to download my transactions easily for review.
I have an undergraduate degree in Anthropology and work for the federal government as an Archaeologist. Guess what? Totally worth it. I graduated in Fall 2007, worked seasonally for the US Forest Service for 3 field seasons, then was hired permanently in 2011. I have zero student loan debt left (and if I did, federally backed student loans are forgiven for public servants after 10 years of on-time payments).
My advice, figure out what your end game is. If you love anthropology and want to become a professor and teach? Do it. But there are other options for graduates that have a DESIRE to work in the field that don't include shovel bumming around the country living in a busted up van and making only enough money to feed your face and your van.
Its about a quality of life. I came late to government work but I watch all my coworkers retiring and they are in their 50's. I'm jealous, but I didnt choose that path. My mother died when she was 63, my father in his 80's. I can expect something in between that as I am not in the optimal health. I dont want to be old and working. I'm ready now, in 10 years, when I am 62 I intend to go as soon as physically possible. So that I have some mobility, ability to drive a car and enjoy my life. 1500 a month doesn't seem like a lot but if your house is paid for and your work related expenses are not there (gas, clothes, lunches) it is entirely do able.
I agree with Josh, and there are even more factors. My family is not long-lived. My father died at 64 and had he not started taking his SS early, he would have collected nothing at all. I started taking mine at 62 and am still working full-time at 66. I don't need the money now, so I'm investing it and earning interest. By the way, the rep on the SS phone was adamant that I should not start collecting when I did, even raised her voice to argue with me. I suspect they have been told to dissuade anyone they can from tapping into their benefits.
Regarding vitamins. You have fat-soluble (A,D, E, K) and water-soluble. (B,C,). You can't really overdose on the water soluble. For example, a guy tried to kill himself by taking an entire bottle of Vitamin C at one time. All he got was diarrhea for three days. And while it's true that things like tumors can feed on vitamins it's also true your body needs them and that over-processed foods and nutrient deficient soil contributes to overfed and undernourished people. In addition, the word "diet" is so often misused and misunderstood. For the record, anything living is on a diet whether it's junk food or healthy food. There is no such thing as "going on a diet" as changing a diet is often referred to. And it's not about "weight-loss" its about body composition. *sigh*
What you failed to mention is that the two lines (Total benefit received) do not crkoss until after age 70. Many people do not live to age 70. A person benefits from waiting only if they live beyond 70. You should at least tell the complete story.
I've found a lot of messages that people send go directly into my junk mail box. I learned this and was amazed at the number of potential buyers that reply, but if you don't check your junk mailbox you will miss probably 25-50% of the messages. I know it's a pain, but I check my junk mail religiously now. If it's not related to my craigslist ad I quickly delete it without even looking at it.
I use an Excel spreadsheet and have a monthly reminder on my Google calendar to alert me. I think it works pretty well and I like looking back to when I first started tracking to see how our debts/saving have changed.
I retired at age 50. Fortunately I had enough saved to last me until 66, (my Social Security retirement 100%.) I was widowed in 2001. In 6 month I lost my job, my husband and 9-11 happened. My stocks dropped. I owned a rental and had enough cash to help me until age 60 when I could collect my husband's widow benefit. Meantime I worked part time, paid of my house, sold my rental just before the mortgage crash, but lost $200,000 in the 2008 crash. Once I got my widows from social security I retired again. I have no debts and plan to keep it that way. I plan to wait until age 70 to collect the maximum social security on my own. Why wait? Because as you can see life has unexpected hazards which creep up. I am more worried about not have enough to live on than getting it spread out by taking it early. My family history shows I odds of living to 100 are very good. I am not so sure about the stock market but by waiting until I am 70 I will make over $2,600 a month plus it will be able to rise do to inflation. It is the cheapest insurance policy and I am living on about $30,000 a year now. If I can still do that with inflation protection and re-save or invest my required minimum distributions, then I might actually have enough to last me. But my health is excellent. If my health begins to fade before age 70 then I will take it sooner. I think the key is to reevaluate your situation EVERY year. Timing is everything and everyone's time is as different as they are.
Hi Lloretta,
If the food court is located inside the warehouse, Costco gatekeepers may be picky about letting you in. While external food courts are fair game for non-members, internal food courts may be off-limits.
The easiest way to get around a Costco gatekeeper is to have a Costco cash card. If you often eat at Costco, then you should consider the investment in one. You'll make your money back in no time.
Hope this helps,
Damian
I like to use Mint and newly added Digit
I am not sure why fat is considered bad?
These were all my primary areas of interest (writing major, anthropology minor -- husband has a master’s in english education) -- :) Hahah I definitely see all the points, and from a $$$ perspective, it’s definitely spot-on. Though, I’ll say it’s priceless to have a degree in writing that allows me to work from home while we raise our family!
I use Quicken. Every time I have used other personal finance software, I just keep on coming back to Quicken. Nothing else in my experience comes close.
I think they're relying heavily on a journalism degree=journalist position connection for this one. I have a creative writing degree but also specialized in professional communications/PR/grantwriting. I chose to live in a low-paying area and work in nonprofits, but even then my salaries were noticeably higher than my (very reasonable) student loan debt load and it was a very respectable albeit modest start ($40k at 22yo w/ $27k in loans). I'm well-positioned for better-paying careers now since I have developed expertise in other fields and am looking to move to a larger city. But if you'd compare my 'creative writing degree cost' with 'average pay for a nonfiction writer' you'd easily draw the same, sad conclusion.
To be honest I don't care about any opinion. None of this is a fact. People are different. Salesmen are as well. You want to feel as if you didn't get taken. Education is key right? I wouldn't buy something I didn't like. I don't force my customers to purchase any. We simply ask! Those old days of shady scams are over. If you paid to much it's your fault. Use the Internet for pricing. I have plenty of customers that I speak with weeklyx monthly and have bought multiple cars from me. Believe what you want. I don't lie to them nor do I have a reason to here. Don't bash salesman because of your mistakes. No business is going to lose money..
I just write them down.
Very thoughtful comments, Alan...Thank you. Under most circumstances I'm certainly a proponent of accessing cash now vs. in the future. In this case the trade-off is that you lose 7% per year by doing so. If you believe you can invest the money at age 62 to get a consistent 7%+ return then that certainly would put you ahead. But doing so at a time so close to (or actually when you're in) retirement is a pretty risky proposition. Ultimately it's your call, of course. There are clearly circumstances where taking an early distribution makes sense - for example if you are single and in failing health. The main point is that, as is the case with Mary, exasperation shouldn't count as a reason.
I found this article because I am having a really hard time saying no to my family who "ambush" me every chance they get. I work from home as well and they just don't get it. I am now in the awkward position where I had to say yes to a week of babysitting when I really can't / don't want to do it. I feel terrible and it's probably too late to say no now... The next time, I will be trying #2 or 3, but some people just don't get it. I am pretty sure they will be angry at me for saying no.
Carrie Kirby cites 8 possible issues and attempts to make them fit with double talk and mislead her "ordinary people" to a paranoid and foolish endeavor. Kirby needs no licence to write, no fingerprint clearance to judge and no insurance to protect the "ordinary people" she speaks of "to save them money". No statistics. No evidence.
I'll leave you with one fact. FSBOs accounted for 9% of home sales in 2013. The typical FSBO home sold for $184,000 compared to $230,000 for agent-assisted home sales. That's $34,960 more that a Realtor brought to ordinary people AFTER commission.
Today at 12:00 I was told by gatekeeper I needed a Costco car to purchase food from the food court which is located in the building. I never had to how my card before.
when did policy start?
I use quicken. I love the charts (money spent looks so much prettier in pie chart format). And the ability to download my transactions easily for review.
Everything in life is best done in moderation. All foods are best eaten without indulging.
I have an undergraduate degree in Anthropology and work for the federal government as an Archaeologist. Guess what? Totally worth it. I graduated in Fall 2007, worked seasonally for the US Forest Service for 3 field seasons, then was hired permanently in 2011. I have zero student loan debt left (and if I did, federally backed student loans are forgiven for public servants after 10 years of on-time payments).
My advice, figure out what your end game is. If you love anthropology and want to become a professor and teach? Do it. But there are other options for graduates that have a DESIRE to work in the field that don't include shovel bumming around the country living in a busted up van and making only enough money to feed your face and your van.
Quicken
Its about a quality of life. I came late to government work but I watch all my coworkers retiring and they are in their 50's. I'm jealous, but I didnt choose that path. My mother died when she was 63, my father in his 80's. I can expect something in between that as I am not in the optimal health. I dont want to be old and working. I'm ready now, in 10 years, when I am 62 I intend to go as soon as physically possible. So that I have some mobility, ability to drive a car and enjoy my life. 1500 a month doesn't seem like a lot but if your house is paid for and your work related expenses are not there (gas, clothes, lunches) it is entirely do able.
I agree with Josh, and there are even more factors. My family is not long-lived. My father died at 64 and had he not started taking his SS early, he would have collected nothing at all. I started taking mine at 62 and am still working full-time at 66. I don't need the money now, so I'm investing it and earning interest. By the way, the rep on the SS phone was adamant that I should not start collecting when I did, even raised her voice to argue with me. I suspect they have been told to dissuade anyone they can from tapping into their benefits.
Regarding vitamins. You have fat-soluble (A,D, E, K) and water-soluble. (B,C,). You can't really overdose on the water soluble. For example, a guy tried to kill himself by taking an entire bottle of Vitamin C at one time. All he got was diarrhea for three days. And while it's true that things like tumors can feed on vitamins it's also true your body needs them and that over-processed foods and nutrient deficient soil contributes to overfed and undernourished people. In addition, the word "diet" is so often misused and misunderstood. For the record, anything living is on a diet whether it's junk food or healthy food. There is no such thing as "going on a diet" as changing a diet is often referred to. And it's not about "weight-loss" its about body composition. *sigh*
What you failed to mention is that the two lines (Total benefit received) do not crkoss until after age 70. Many people do not live to age 70. A person benefits from waiting only if they live beyond 70. You should at least tell the complete story.
I've found a lot of messages that people send go directly into my junk mail box. I learned this and was amazed at the number of potential buyers that reply, but if you don't check your junk mailbox you will miss probably 25-50% of the messages. I know it's a pain, but I check my junk mail religiously now. If it's not related to my craigslist ad I quickly delete it without even looking at it.
I use an Excel spreadsheet and have a monthly reminder on my Google calendar to alert me. I think it works pretty well and I like looking back to when I first started tracking to see how our debts/saving have changed.
She can receive Social Security at age 60 if she is a widower.
I retired at age 50. Fortunately I had enough saved to last me until 66, (my Social Security retirement 100%.) I was widowed in 2001. In 6 month I lost my job, my husband and 9-11 happened. My stocks dropped. I owned a rental and had enough cash to help me until age 60 when I could collect my husband's widow benefit. Meantime I worked part time, paid of my house, sold my rental just before the mortgage crash, but lost $200,000 in the 2008 crash. Once I got my widows from social security I retired again. I have no debts and plan to keep it that way. I plan to wait until age 70 to collect the maximum social security on my own. Why wait? Because as you can see life has unexpected hazards which creep up. I am more worried about not have enough to live on than getting it spread out by taking it early. My family history shows I odds of living to 100 are very good. I am not so sure about the stock market but by waiting until I am 70 I will make over $2,600 a month plus it will be able to rise do to inflation. It is the cheapest insurance policy and I am living on about $30,000 a year now. If I can still do that with inflation protection and re-save or invest my required minimum distributions, then I might actually have enough to last me. But my health is excellent. If my health begins to fade before age 70 then I will take it sooner. I think the key is to reevaluate your situation EVERY year. Timing is everything and everyone's time is as different as they are.
An app named Mint