What is bad about kentucky ot tennessee. I am looking for an area that is more moderate in climate, has water for growing food, not prone to natural disasters or man made for that matter. I live on the pacific coast and want to get away from the Japan continual radiation contamination. Any insite ob these two states?
Using leftovers can be so hard! Especially if you have a bunch of ingredients that don't go well together (like chicken and bananas). But these are all great tips. I love making breads with leftover zuchini, banana, etc.
we love owning our home - I hated renting because I felt like I was throwing money away every month, although I didn't have any other option at that point.
Living debt free is the only way to be able to accomplish your financial goals and be on the path to financial freedom. In my practice, when someone or a family approaches me for advice, I always try to help them first repay as fats as possible their debts. Then, we begin the most appropriate for them investment/savings strategy. But getting rid of debt is definitely the top priority. Always!
I rent an apartment. I've tried to buy a home before the market tanked, but couldn't find anything that I could afford and that I liked. Thank goodness because I lost my job over three years ago and have been unemployed and underemployed since then. I'm sure I would have lost whatever house I bought.
Pro: Someone else does the maintenance.
Con: I'm waiting for my A/C to be fixed for the 4th time this year. Not good when it's 109 degrees and there's no cool air blowing.
When my grandson was a baby and learning to feed himself I used the leg portion of old celan socks to protect the sleeves of his clothing. Bibs are great for the front of the shirt but with 'learners' even the sleeves get dirty. The old sock is not too tight but stays put and cuts down stained baby shirts. I've also used these 'leg' portions as extra warmth under the baby's sweaters when it gets a bit chilly but is still too warm for a coat.
You seem to be reading something into this article that's not there. The author is explaining some of the issues she hadn't previously considered when thinking about owning cats. I myself would go as far as to say cats ARE expensive. $450/yr is a lot of money, or it is for me anyway! That's not to say it's not a worthwhile expense for some people, but it is an expense nonetheless. So is having a baby, getting a car, moving to a town with a higher tax rate, etc. Speaking realistically about expenses isn't a value judgment, just a smart idea. Obviously this author still values cats because she has 2, so this article is not about how cats are bad because they cost money. It's about how you should properly consider all the factors before adopting a pet. Maybe if more people did that there would be less abandoned animals.
We own our home. We upgrade to a slightly larger house in 09 and could comfortably afford a 20% down payment. We currently have a 30 year fixed rate mortgage and take advantage of the mortgage interest deduction at tax time. Although our mortgage is very affordable, our property taxes are very high because we don't live near a metropolitan area. Our home is about 20 years old, which means more and more maintenance and repair expenses.
We hate the idea of have such a long term debt so e refinanced in 2010 to take advantage of the low rates and pay an extra payment per year to save on time and money on the loan.
We are currently debating refinancing to a 20 year which would save us almost $100,000 in interest over the term of the loan.
One of the cheapest ways to have cats is to foster for your local no-kill cat shelter. They usually can provide you with everything you need, especially if you can't afford it. They pay all medical expenses. And it's also a way to have a cat (or kittens) without a long-term commitment. You will need to keep foster cats separate from any current cats.
One of the best things you can do with left overs is just reheat (microwave) and then grill them really quick again.....I love doing this with left over chicken or any type of meat. Just have to make sure you don't keep it around for more than 1/2 days at max. Pasta is the ultimate for reheating....tastes great later in the week.
You can use left over fruits or fruit that is going old - make a smoothie!
A note I'd add about the incentives -- make sure they're things you can reasonably follow through on. I was recently talking with some friends about how we've never received any of the bonuses for campaigns we've contributed to. I'm not particularly upset about it -- I was happy to contribute -- but still, it can be a little frustrating.
The recipe is awesome. My 9mo daughter does not eat pureed foods and loves bread because I think she can hold it so well. I made these cookies for her. I omitted the sugar and the raisins (choking hazard, ya know!). She ate an entire cookie. I was so excited. She got her grains and fruit. My husband and I also think they are tasty. Thanks. I also linked your recipe on my fb to share with all my friends.
This is a brilliant introductory piece on Future Value, Julie. Thank you. I hope it will interest (pun not intended) more people to learn about this and related points.
I understand that some people get intimidated by the figures and therefore tend to walk away from technical data such as these. This is such a shame as (1) they are critical to understanding and certainly mastering finances; (2) they are actually easy to learn!
They can do this by using spreadsheets on the computer as you have suggested. The alternative is by using a Financial Calculator. The advantage of using the calculator is that everything is already preset and you just need to enter the figures. It’ll take you two or three days (tops!) to learn how to use it, which is faster than learning to use the iPad!
Once you know how to get the figures, you do not have to rely on others. You will develop confidence on money matters and as a bonus, you may even discover calculation errors in books as I have!
If you have no other debts, then 20 percent for the car is all right. However, the reality of life is that most people will have other debts as well, which may include the mortgage, credit cards payments and personal loans. This is why I suggest paying nothing more than 10 percent of monthly your income for the car. While that figure may look low but when you add 30 percent for the mortgage and another 10 percent for all the other loans, the figure comes up to 50 percent!
As for me, I limit my debts – all of them – to a maximum of 40 percent of my monthly income. If this means buying a more down-to-earth car, so be it.
Anyway, why worry about cars? Next year’s model is always better!
We oWn and as much as I dislike the continuing maintenance that we have to put into the place I am glad we do. A 70 year old friend rents and recently had to move out of her long time rental because they were gutting her apartment. She is settled now but it was a horrible time for her.
Before I jumped into the smart tech (ipad), I was using excel spreadsheets. I usually just use my ipad to track my finances and its what I'd recommend.
I find it rather sad that so many individuals go into credit card debt around the holidays. We love love love people so much, but do we really need to max out our credit cards to show that love? Shred the cards, give people a card with a small gift certificate. Do you really need to finance the gift? This is just my .02.
What is bad about kentucky ot tennessee. I am looking for an area that is more moderate in climate, has water for growing food, not prone to natural disasters or man made for that matter. I live on the pacific coast and want to get away from the Japan continual radiation contamination. Any insite ob these two states?
Using leftovers can be so hard! Especially if you have a bunch of ingredients that don't go well together (like chicken and bananas). But these are all great tips. I love making breads with leftover zuchini, banana, etc.
Good overview of the Excel functions! And yes, I agree wholeheartedly that calculating future value is an absolute must when thinking about investing.
Thanks, Kyle. You reminded me of something I forgot: Fried macaroni and cheese. It's amazing!
tweet! https://twitter.com/ReneeAChapman/status/231146196759085057
I like you on facebook!
we love owning our home - I hated renting because I felt like I was throwing money away every month, although I didn't have any other option at that point.
Living debt free is the only way to be able to accomplish your financial goals and be on the path to financial freedom. In my practice, when someone or a family approaches me for advice, I always try to help them first repay as fats as possible their debts. Then, we begin the most appropriate for them investment/savings strategy. But getting rid of debt is definitely the top priority. Always!
I rent an apartment. I've tried to buy a home before the market tanked, but couldn't find anything that I could afford and that I liked. Thank goodness because I lost my job over three years ago and have been unemployed and underemployed since then. I'm sure I would have lost whatever house I bought.
Pro: Someone else does the maintenance.
Con: I'm waiting for my A/C to be fixed for the 4th time this year. Not good when it's 109 degrees and there's no cool air blowing.
When my grandson was a baby and learning to feed himself I used the leg portion of old celan socks to protect the sleeves of his clothing. Bibs are great for the front of the shirt but with 'learners' even the sleeves get dirty. The old sock is not too tight but stays put and cuts down stained baby shirts. I've also used these 'leg' portions as extra warmth under the baby's sweaters when it gets a bit chilly but is still too warm for a coat.
You seem to be reading something into this article that's not there. The author is explaining some of the issues she hadn't previously considered when thinking about owning cats. I myself would go as far as to say cats ARE expensive. $450/yr is a lot of money, or it is for me anyway! That's not to say it's not a worthwhile expense for some people, but it is an expense nonetheless. So is having a baby, getting a car, moving to a town with a higher tax rate, etc. Speaking realistically about expenses isn't a value judgment, just a smart idea. Obviously this author still values cats because she has 2, so this article is not about how cats are bad because they cost money. It's about how you should properly consider all the factors before adopting a pet. Maybe if more people did that there would be less abandoned animals.
We own our home. We upgrade to a slightly larger house in 09 and could comfortably afford a 20% down payment. We currently have a 30 year fixed rate mortgage and take advantage of the mortgage interest deduction at tax time. Although our mortgage is very affordable, our property taxes are very high because we don't live near a metropolitan area. Our home is about 20 years old, which means more and more maintenance and repair expenses.
We hate the idea of have such a long term debt so e refinanced in 2010 to take advantage of the low rates and pay an extra payment per year to save on time and money on the loan.
We are currently debating refinancing to a 20 year which would save us almost $100,000 in interest over the term of the loan.
One of the cheapest ways to have cats is to foster for your local no-kill cat shelter. They usually can provide you with everything you need, especially if you can't afford it. They pay all medical expenses. And it's also a way to have a cat (or kittens) without a long-term commitment. You will need to keep foster cats separate from any current cats.
One of the best things you can do with left overs is just reheat (microwave) and then grill them really quick again.....I love doing this with left over chicken or any type of meat. Just have to make sure you don't keep it around for more than 1/2 days at max. Pasta is the ultimate for reheating....tastes great later in the week.
You can use left over fruits or fruit that is going old - make a smoothie!
A note I'd add about the incentives -- make sure they're things you can reasonably follow through on. I was recently talking with some friends about how we've never received any of the bonuses for campaigns we've contributed to. I'm not particularly upset about it -- I was happy to contribute -- but still, it can be a little frustrating.
Oooh! I've never made fish cakes with potato before. I'll have to try that.
$800 for the new iPhone 5, anyone?
The recipe is awesome. My 9mo daughter does not eat pureed foods and loves bread because I think she can hold it so well. I made these cookies for her. I omitted the sugar and the raisins (choking hazard, ya know!). She ate an entire cookie. I was so excited. She got her grains and fruit. My husband and I also think they are tasty. Thanks. I also linked your recipe on my fb to share with all my friends.
We have owned our home for 35 years. In our little city it's the smartest thing to do.
This is a brilliant introductory piece on Future Value, Julie. Thank you. I hope it will interest (pun not intended) more people to learn about this and related points.
I understand that some people get intimidated by the figures and therefore tend to walk away from technical data such as these. This is such a shame as (1) they are critical to understanding and certainly mastering finances; (2) they are actually easy to learn!
They can do this by using spreadsheets on the computer as you have suggested. The alternative is by using a Financial Calculator. The advantage of using the calculator is that everything is already preset and you just need to enter the figures. It’ll take you two or three days (tops!) to learn how to use it, which is faster than learning to use the iPad!
Once you know how to get the figures, you do not have to rely on others. You will develop confidence on money matters and as a bonus, you may even discover calculation errors in books as I have!
If you have no other debts, then 20 percent for the car is all right. However, the reality of life is that most people will have other debts as well, which may include the mortgage, credit cards payments and personal loans. This is why I suggest paying nothing more than 10 percent of monthly your income for the car. While that figure may look low but when you add 30 percent for the mortgage and another 10 percent for all the other loans, the figure comes up to 50 percent!
As for me, I limit my debts – all of them – to a maximum of 40 percent of my monthly income. If this means buying a more down-to-earth car, so be it.
Anyway, why worry about cars? Next year’s model is always better!
Good to know. I can put these on my calendar. Even though some events reoccur, it's hard to keep track.
We oWn and as much as I dislike the continuing maintenance that we have to put into the place I am glad we do. A 70 year old friend rents and recently had to move out of her long time rental because they were gutting her apartment. She is settled now but it was a horrible time for her.
Before I jumped into the smart tech (ipad), I was using excel spreadsheets. I usually just use my ipad to track my finances and its what I'd recommend.
I find it rather sad that so many individuals go into credit card debt around the holidays. We love love love people so much, but do we really need to max out our credit cards to show that love? Shred the cards, give people a card with a small gift certificate. Do you really need to finance the gift? This is just my .02.