So, good Samaritan, how will she contact anyone without a phone, including potential emergencies? My elderly father is 94, and the last thing I'd cancel is his connection to the outside world.
Most landline phone companies offer free phone service to seniors with minimal income. My mom was eligible for and received this free phone service through AT&T.
I know it's not free if you don't have Internet access, but since you're on here, I'd guess you do. Hulu is something I really like because then I don't have to worry about catching up. Crackle isn't bad, either.
It's going to get worst with Obama care. Those who don't work and can, get paid our hard earned wages. Then they can't afford Obama care and those who can will pay for them to get sick. The penalty is cheaper then the premium. Sounds cruel but turn them away or set them down at a computer and tell them when you log on, get insurance we'll treat you, otherwise get sick somewhere else.
If you mostly use a debit card to access your checking account rather than writing paper checks, you can have it set up so that the card will simply be declined if you don't have enough money in your checking out to cover a charge, rather than having the bank cover it and hit you with an overdraft charge. Of course, that could be a problem if you've just eaten in a restaurant and don't have any other way of paying for the meal, but if you have some kind of back-up means of payment, it can save you a lot of overdraft fees.
Incidentally the banks weren't always required to give you that option, and when they weren't, they didn't; I've read that overdraft fees are the single biggest profit center for the consumer banking divisions of a lot of major American banks, and their lobbyists complained bitterly about the provision of the Dodd-Frank bill that allows debit card users to opt out of overdraft fees.
No, it means your insurance will pay for the repair/replacement of your car, and any health expenses and lost income you may incur, if an uninsured motorist hits YOU. If you don't have clause on your insurance and somebody who doesn't have insurance in force runs a red light and t-bones your car in the middle of the intersection, all the costs for that are on you. Sure, you can sue the uninsured driver, but chances are he doesn't have the money to cover your expenses, so even if you sue him and win you're out of luck. Uninsured motorist coverage is the LAST optional extra I'd give up if I had to cut my car insurance costs.
I think you're definitely right about vagueness getting in the way of achieving your goals. I've increasingly tried to make my goals more and more specific, and if they're big goals ($12,000 emergency fund), break them down into smaller, more realistic goals (up to at least $5,000 by the end of 2014).
In some states it is legally required. As an example here in Texas, repeated statistics show that 35% of all Hispanic drivers do not get insurance. That's a fact, not a "racist" statement. So, when you get hit by an uninsured motorist, you can collect on the damage to your car, ASSUMING it was not your fault. Yes, Patricia, you DO pay for other people's insurance when this is the case. What can you do about it? Effectively, nothing.
High quality (clearance) jeans and shoes, a Vitamix blender (to make yummy, healthy soups and smoothies), and comfy blankets/throw pillows are what keep me sane. The latter can spruce up my third-hand couches and make my home a much cozier place to be as we're pinching pennies! :) Love the other things on your list!
I have been doing this for years now which really works on
dry hair or dry coloured hair .On damp hair apply warm Cold pressed olive oil/cold pressed almond oil /macadamia oil and massage on scalp
and rub well on ends of hair and all over on hair and keep over night
it gives v good results and leaves hair soft supple and moisturized
My goals for 2014 are to build my credit through responsible use of my brand spankin' new credit card, and to build up my savings again after a big out-of-pocket dental expense this year.
Another goal is to take a class for fun this year. I'm thinking pottery or modern dance!
The idea of a filter is very smart. The more we can think about the purchase, the better. I find that the longer I do that, the impulse to buy wears off, and I feel relief that I avoided a mistake.
Even if it's something I actually need, I ask myself, 'Is it exactly what I want? Does it fit perfectly, right color or material or design? Or am I settling for less than I expected?' If I'm not sure, I don't buy. Often, an even better quality or better-fitting item will turn up later if I wait. Yes, I have some things I regret buying, and as Donna says, they were purchased on impulse. Even at secondhand stores, I'm cautious now.
I don't actually make resolutions during New Year. Why plan to make changes only during new year when you can make resolutions and make them realize any time of the year? What is most important is that you are very much willing to make your resolutions become a reality.
I guess the first thing I would do for the year to come is to cut down all my credit cards except for a single one. I've been having bad spending habits this year and got really frustrated with all the credit card bills I had. And oh, I also have to work on also on my bad spending habits.
You do realise that there are vegetarian alternatives for almost every single meat product known to man, don't you? It's not really fair to ask someone to edit their blog to add the words "substitute" or "tofu" after or in place of the meat used.
Atari reissued its old console with a huge number of games. Those are old (over 30 years old now), many are now corny and outmoded -- but they are basic and often classic -- for under $50.
"I got her to cancel that phone immediately"
So, good Samaritan, how will she contact anyone without a phone, including potential emergencies? My elderly father is 94, and the last thing I'd cancel is his connection to the outside world.
Most landline phone companies offer free phone service to seniors with minimal income. My mom was eligible for and received this free phone service through AT&T.
I know it's not free if you don't have Internet access, but since you're on here, I'd guess you do. Hulu is something I really like because then I don't have to worry about catching up. Crackle isn't bad, either.
Awesome giveaway! Thanks for the chance to win!
My New Year's resolution is to work out on my treadmill 3 days/week to work off some more of my baby weight.
It's going to get worst with Obama care. Those who don't work and can, get paid our hard earned wages. Then they can't afford Obama care and those who can will pay for them to get sick. The penalty is cheaper then the premium. Sounds cruel but turn them away or set them down at a computer and tell them when you log on, get insurance we'll treat you, otherwise get sick somewhere else.
If you mostly use a debit card to access your checking account rather than writing paper checks, you can have it set up so that the card will simply be declined if you don't have enough money in your checking out to cover a charge, rather than having the bank cover it and hit you with an overdraft charge. Of course, that could be a problem if you've just eaten in a restaurant and don't have any other way of paying for the meal, but if you have some kind of back-up means of payment, it can save you a lot of overdraft fees.
Incidentally the banks weren't always required to give you that option, and when they weren't, they didn't; I've read that overdraft fees are the single biggest profit center for the consumer banking divisions of a lot of major American banks, and their lobbyists complained bitterly about the provision of the Dodd-Frank bill that allows debit card users to opt out of overdraft fees.
No, it means your insurance will pay for the repair/replacement of your car, and any health expenses and lost income you may incur, if an uninsured motorist hits YOU. If you don't have clause on your insurance and somebody who doesn't have insurance in force runs a red light and t-bones your car in the middle of the intersection, all the costs for that are on you. Sure, you can sue the uninsured driver, but chances are he doesn't have the money to cover your expenses, so even if you sue him and win you're out of luck. Uninsured motorist coverage is the LAST optional extra I'd give up if I had to cut my car insurance costs.
I think you're definitely right about vagueness getting in the way of achieving your goals. I've increasingly tried to make my goals more and more specific, and if they're big goals ($12,000 emergency fund), break them down into smaller, more realistic goals (up to at least $5,000 by the end of 2014).
In some states it is legally required. As an example here in Texas, repeated statistics show that 35% of all Hispanic drivers do not get insurance. That's a fact, not a "racist" statement. So, when you get hit by an uninsured motorist, you can collect on the damage to your car, ASSUMING it was not your fault. Yes, Patricia, you DO pay for other people's insurance when this is the case. What can you do about it? Effectively, nothing.
High quality (clearance) jeans and shoes, a Vitamix blender (to make yummy, healthy soups and smoothies), and comfy blankets/throw pillows are what keep me sane. The latter can spruce up my third-hand couches and make my home a much cozier place to be as we're pinching pennies! :) Love the other things on your list!
I don't make resolutions.
I have been doing this for years now which really works on
dry hair or dry coloured hair .On damp hair apply warm Cold pressed olive oil/cold pressed almond oil /macadamia oil and massage on scalp
and rub well on ends of hair and all over on hair and keep over night
it gives v good results and leaves hair soft supple and moisturized
lose another 10-12 lbs
My goals for 2014 are to build my credit through responsible use of my brand spankin' new credit card, and to build up my savings again after a big out-of-pocket dental expense this year.
Another goal is to take a class for fun this year. I'm thinking pottery or modern dance!
I know many will say "duh" to these, but they're very relevant and many folks underestimate these simple things.
It always amazes me how many people aren't doing these things. It all goes back to, live within your means. :)
Actually, affect is used as a noun: she had a flat affect; and effect can be used as a verb: the new ordinance effected a revolt by city workers.
The idea of a filter is very smart. The more we can think about the purchase, the better. I find that the longer I do that, the impulse to buy wears off, and I feel relief that I avoided a mistake.
Even if it's something I actually need, I ask myself, 'Is it exactly what I want? Does it fit perfectly, right color or material or design? Or am I settling for less than I expected?' If I'm not sure, I don't buy. Often, an even better quality or better-fitting item will turn up later if I wait. Yes, I have some things I regret buying, and as Donna says, they were purchased on impulse. Even at secondhand stores, I'm cautious now.
I don't actually make resolutions during New Year. Why plan to make changes only during new year when you can make resolutions and make them realize any time of the year? What is most important is that you are very much willing to make your resolutions become a reality.
I guess the first thing I would do for the year to come is to cut down all my credit cards except for a single one. I've been having bad spending habits this year and got really frustrated with all the credit card bills I had. And oh, I also have to work on also on my bad spending habits.
Convenience fees
You do realise that there are vegetarian alternatives for almost every single meat product known to man, don't you? It's not really fair to ask someone to edit their blog to add the words "substitute" or "tofu" after or in place of the meat used.
My resolution this year is to eat healthier on a budget!
I have a question. Is uninsurrd motorist insurance a total waste of money? Dors this mean we are paying for someone who does not have insurance?
Atari reissued its old console with a huge number of games. Those are old (over 30 years old now), many are now corny and outmoded -- but they are basic and often classic -- for under $50.