I know it really depends on your local coverage, but I recently switched from one of the big carriers (Verizon, AT&T) to one of the smaller carriers (Sprint, T-Mobile). I now pay $20 less per month, have more data, and free international roaming when traveling. I happen to live in a big city, so reception coverage isn't an issue. I know I may not have the same coverage when I am out of the city, but it's a trade-off that I am willing to make!
I switched to Republic Wireless. For about $30 a month ($25 plus fees) I have 3G coverage (you can opt for 4G, but I like paying $25/month) and a great Moto X smartphone. You can only use Republic Wireless phones (Moto X and G) on their network but they subsidize the upfront cost so you are not paying $600 for a new phone. No contract, unlimited all, etc. I've been using them since March, 2014 and really love it!
I make most long distance calls on my landline for the audio quality. These days, I make very few long distance calls to save money. Most of my friends and relatives can be reached by email or on Facebook.
Being as I am old, I don't spend my entire life on my phone surfing the 'net. (I use my iPad mini and wifi.) that allows me to keep my data plan relatively low. Once my current contract is up early next year, I plan to test drive Republic or Tinga.
I use T-mobile's prepaid $30/mo service. It's 100 minutes, unlimited texts, 5GB of high speed data and throttled after that. It's great because I don't have to worry about data usage at all. 100 minutes is a bit limiting, but you can add money to your account if you anticipate going over. If you're tech savvy, you can set up VOIP (voice over internet protocol). That means you'll use data instead of minutes to make calls. It's handy, but it's not perfectly integrated so I've fallen back on using minutes and being mindful of the calls I make/receive on my phone.
That sounds fun! Like when no one is dancing, or it's just got that uncomfortable " yawn factor" starting to happen. You could be a integral part of the day. People plan for months and years sometimes and guests just don't gel. I feel sorry for those bride and grooms. I think it's a great idea!
Travelex Cash Passport stolen. Thieves removed 700Euro within 10 minutes without PIN. Travelex says I am completely liable for the loss because no one could guess the PIN. They accuse me of supplying the thieves with the PIN. What can I do?
The article advises consumers to do business with a "reputable franchise" as one of the tips to buying a car. Yet the author uses a man named "Jason Lancaster" as its source who worked at an "upstanding dealership". Supposedly these techniques are not used at upstanding dealerships!
Also, I have bought many new cars in my life and I have never seen a serious buyer exposed to "the scream". There are many people who simply go to dealerships and ask for a rediculous price then leave when they are told that deal doesn't exist or that car is not available. You'd have to be pretty gullible to come back and believe that that the car is now available at your price. And then, why would you pay more for it when you can get it elsewhere?
I just don't think this article was very revealing. The car buying experience today, for most buyers who have pre-arranged financing, is a stress-free experience. The internet has provided educational tools for the buyer, and car buying services can do most of the up front negotiating and the purchase.
My Doctor insists I take statins to control cholesterol which is moderately high. But the aggravation caused by the statins has been muscular pains at times, sleeplessness and elevated sugar. Ive gone off statins three times in the last five years and the sugar has slowly dropped off and well being increased. When I came back on the statins at the Docs insistence the sugar level arose and then the Doc wanted me to take sugar medication. You figure !
Yes cash flow was my primary focus & after 10 years I can tell you I thank goodness I stuck to my guns on that. We would have been on the street twice except that we had a small mortgage & frugal overall life style. You can never guess right on a house.... Mine is too small, hoping that compels the kids to finish college so they never have to move back home :)
This article makes me laugh. It's like a no-win, damned if you do, damned if you don't scenario. And really, an attached rental is your ultimate solution? It's a rare person who will want to invest in/commit to/take the risk of renting out their property and being a landlord. My point is that buying a home is a gamble, just like so many other things in life. You can prepare all you want, but ultimately you have to be willing to take a chance. You can't calculate every single thing in life and expect it not to change. Everything on your flow chart is subject to change...and not just small change, but drastic change. I'm not saying it's a bad thing to prepare, but again, life and everything surrounding it is unpredictable. Relegating a purchase as big as a home to a flow chart...to me, it just doesn't make sense, when there are so many other things to consider, and when this thing called life changes so frequently.
I recently read several good posts on downsizing, frugal living, home sharing and less costly retirement locations on the site Retirement And Good Living. Downsizing can reduce or eliminate a mortgage and reduce or eliminate recurring costs (maintenance, taxes, etc.). All money that can be put into the retirement nest egg. The site provides information on many retirement topics including finances, health, retirement locations, part time jobs, volunteering, travel and more.
I usually will have a main dish prepared, like in the summer have the BBQ meats ready, but potluck for everything else. Mostly everyone asks if there is anything they can bring, so I'll ask a few bring to sides, drinks, dessert, etc.
Touching people a lot. I do this. I am very touchy feely and will hug and put my hand on people's arm while we are talking perhaps to "connect" but I get the feeling it is having the opposite effect.
If you plan well in advance you can stockpile some items while they are on sale. You can buy cans of beans for a BBQ or chips and dip and then store them until the party begins!
Apply for opensky.
I know it really depends on your local coverage, but I recently switched from one of the big carriers (Verizon, AT&T) to one of the smaller carriers (Sprint, T-Mobile). I now pay $20 less per month, have more data, and free international roaming when traveling. I happen to live in a big city, so reception coverage isn't an issue. I know I may not have the same coverage when I am out of the city, but it's a trade-off that I am willing to make!
I switched to Republic Wireless. For about $30 a month ($25 plus fees) I have 3G coverage (you can opt for 4G, but I like paying $25/month) and a great Moto X smartphone. You can only use Republic Wireless phones (Moto X and G) on their network but they subsidize the upfront cost so you are not paying $600 for a new phone. No contract, unlimited all, etc. I've been using them since March, 2014 and really love it!
I just signed up with this website, did you have to wait the 30 days after you moved out before they would try to get it back?
I make most long distance calls on my landline for the audio quality. These days, I make very few long distance calls to save money. Most of my friends and relatives can be reached by email or on Facebook.
Being as I am old, I don't spend my entire life on my phone surfing the 'net. (I use my iPad mini and wifi.) that allows me to keep my data plan relatively low. Once my current contract is up early next year, I plan to test drive Republic or Tinga.
I use T-mobile's prepaid $30/mo service. It's 100 minutes, unlimited texts, 5GB of high speed data and throttled after that. It's great because I don't have to worry about data usage at all. 100 minutes is a bit limiting, but you can add money to your account if you anticipate going over. If you're tech savvy, you can set up VOIP (voice over internet protocol). That means you'll use data instead of minutes to make calls. It's handy, but it's not perfectly integrated so I've fallen back on using minutes and being mindful of the calls I make/receive on my phone.
That sounds fun! Like when no one is dancing, or it's just got that uncomfortable " yawn factor" starting to happen. You could be a integral part of the day. People plan for months and years sometimes and guests just don't gel. I feel sorry for those bride and grooms. I think it's a great idea!
I take advantage of the employee discount I receive from work!
I save money on my phone bill by using pay as you go service
We don't have a land line anymore and that saves something.
I tell my guests to bring one thing.
Waze is crowd-sourced and kicks the butt of any other traffic app as far as I've seen. Give it a try!
Travelex Cash Passport stolen. Thieves removed 700Euro within 10 minutes without PIN. Travelex says I am completely liable for the loss because no one could guess the PIN. They accuse me of supplying the thieves with the PIN. What can I do?
The article advises consumers to do business with a "reputable franchise" as one of the tips to buying a car. Yet the author uses a man named "Jason Lancaster" as its source who worked at an "upstanding dealership". Supposedly these techniques are not used at upstanding dealerships!
Also, I have bought many new cars in my life and I have never seen a serious buyer exposed to "the scream". There are many people who simply go to dealerships and ask for a rediculous price then leave when they are told that deal doesn't exist or that car is not available. You'd have to be pretty gullible to come back and believe that that the car is now available at your price. And then, why would you pay more for it when you can get it elsewhere?
I just don't think this article was very revealing. The car buying experience today, for most buyers who have pre-arranged financing, is a stress-free experience. The internet has provided educational tools for the buyer, and car buying services can do most of the up front negotiating and the purchase.
My Doctor insists I take statins to control cholesterol which is moderately high. But the aggravation caused by the statins has been muscular pains at times, sleeplessness and elevated sugar. Ive gone off statins three times in the last five years and the sugar has slowly dropped off and well being increased. When I came back on the statins at the Docs insistence the sugar level arose and then the Doc wanted me to take sugar medication. You figure !
Yes cash flow was my primary focus & after 10 years I can tell you I thank goodness I stuck to my guns on that. We would have been on the street twice except that we had a small mortgage & frugal overall life style. You can never guess right on a house.... Mine is too small, hoping that compels the kids to finish college so they never have to move back home :)
I ask guests to bring a dish of food.
This article makes me laugh. It's like a no-win, damned if you do, damned if you don't scenario. And really, an attached rental is your ultimate solution? It's a rare person who will want to invest in/commit to/take the risk of renting out their property and being a landlord. My point is that buying a home is a gamble, just like so many other things in life. You can prepare all you want, but ultimately you have to be willing to take a chance. You can't calculate every single thing in life and expect it not to change. Everything on your flow chart is subject to change...and not just small change, but drastic change. I'm not saying it's a bad thing to prepare, but again, life and everything surrounding it is unpredictable. Relegating a purchase as big as a home to a flow chart...to me, it just doesn't make sense, when there are so many other things to consider, and when this thing called life changes so frequently.
Great list! We visited Denver for the first time last month. We loved that city of Denver and the whole state of Colorado. Can't wait to go back!
Yes...but I refuse to visit because they have a ban against staffordshire terriers.
I recently read several good posts on downsizing, frugal living, home sharing and less costly retirement locations on the site Retirement And Good Living. Downsizing can reduce or eliminate a mortgage and reduce or eliminate recurring costs (maintenance, taxes, etc.). All money that can be put into the retirement nest egg. The site provides information on many retirement topics including finances, health, retirement locations, part time jobs, volunteering, travel and more.
I usually will have a main dish prepared, like in the summer have the BBQ meats ready, but potluck for everything else. Mostly everyone asks if there is anything they can bring, so I'll ask a few bring to sides, drinks, dessert, etc.
Touching people a lot. I do this. I am very touchy feely and will hug and put my hand on people's arm while we are talking perhaps to "connect" but I get the feeling it is having the opposite effect.
If you plan well in advance you can stockpile some items while they are on sale. You can buy cans of beans for a BBQ or chips and dip and then store them until the party begins!