I'd like to echo #5. While I mostly feel good about what I purged before moving across the country, when I realized how much extra room I had in my U-Haul, I regretted giving away some perfectly good things only to have to buy them again out here.
Glad the spreadsheet is useful. I think that once people get their finances in order, setting money aside is the relatively easy part. The market can go up and down but as long as the movement is up over a period of years, your retirement can stay funded. The more difficult part is getting high enough returns during retirement when you are drawing funds out (and presumably not putting more money in). But the more you can do in your working years, the better.
In a lot of cases this falls under the domain of warranties more than it does actual insurance products, though there's a bit of crossover in the case of MBI that you referenced above.
I always have a hard time determining which is more worth the money; the service charge I'll accept to use the ATM closer to my apartment, or the money on gas I'll spend getting to my actual bank to take money out. I usually try to make a plan of when I'll be closer to my banks ATM, I hate accepting those stupid service charges!
Its always a good idea to wait until mid-July or August to buy bathing suits, shorts, sandals and sunglasses. This is usually when people are starting to think about fall fashion anyway. The only problem with this is if you gain or lose weight before the next year's summer season rolls around. But getting stuff for kids, even pool and beach toys/towels is a good idea!
I loved this cookies! Called my mom and told her about them, emailed her the link to your recipe. Sent my friend and her kid home with some, emailed HER the link to your recipe. LOOOOVE giving my kids cookies for breakfast and they love it to. Its helped right now because they are sick and very very picky about what they eat. Thank you so much!
Thanks for the informative article! I wonder what effect the new healthcare law will have on government spending and the monetary cliff? I do hope that Bernanke will manipulate the interests rates to counteract whatever policy decisions are made by either party...
I discovered a lot of this firsthand during a week without electricity, thanks to last week's wicked weather. I grew up in a part of the country where most people didn't have air conditioning; it simply wasn't necessary. But surviving in the triple-digits (hot AND humid) last weekend and this week without power made me grateful for my AC now that I live in the Southeast.
I'm glad you pointed out the potential health risks of foregoing AC during a heat wave. Extreme heat is the No. 1 cause of weather-related fatalities. I'm also glad you added the note of caution, and I'd add to the list people who take certain medications that can weaken an individual's resistance to heat.
I'd also keep in mind pets like dogs and cats when deciding whether to skip turning on the AC. They don't have as many options as we do to cool off. My pets' behavior changed drastically as soon as the power came back on and the AC was running.
I use ebay when I'm looking for something specific. I've found some incredible deals - out of print books for a dollar, vintage/antique items for 1/10 the price I'd just seen them in an antique store, and today I won a bid for a necklace to match earrings I received as a gift. I don't just browse though...that'd be too tempting!
We heard the same thing. You can always foreclose..... I to bought when We could afford the home. I lost my job do to cutbacks, had health issues going on. We were able to get the first mortgage modified. That was great. And that was through Green Tree. Citimortage however is another story. Regardless of outcome. I will never knowingly use Citi-anything again. They are truely evil...
This article brought up some good points. I live in the mid-west and I know plenty of people who do not even have the option of AC even if they wanted it. I myself grew up without AC until I was around 13 or 14. Now, as an adult I can't help but love AC. I am the opposite with heating. I will wait until December or the threat of frozen pipes before I turn my heat on. I never wear a winter coat unless I go to Chicago. I am fine with just a sweatshirt unless it is below 20F. I even wear just shorts and a tee shirt in the house in the winter and I will go and get the mail without putting anything extra on (maybe shoes, but many times, not even shoes!) I guess I "run hot". I am afraid to even consider menopause. I think I might just spontaneously burst into flames when I get to that age. When we do have cool nights I turn off the air and open the windows, my husband shuts them on his way to work in the morning. I work evenings so I usually sleep late. When the nights only cool to 87 and the humidity makes it feel like a hot wet towel is wrapped around my body...my AC will be blasting! But even so, I do drink lots of water in the summer and I eat salad, fruits and veggies ALL the time in the summer. Most days the idea of hot food repulses me (even living and working in AC).
Maybe it's inconsequential, but it's hard to take seriously comments others make about a profession when they fill their opinions with typos and incorrect grammar. Even more noticeable is the prevalence of outright spelling errors.
Do you personally know 99% of the real estate agents in the industry? No? Then your comment is not only foolish but ridiculous in and of itself.
Don't like agents? Don't use one. But don't cry about the fact that you find out later you could've negotiated more on the asking price, or messed up on a legal form somewhere that cost you thousands in fines or other expenses, or that the neighborhood you thought looked perfect from your "professional" perusal turns out to be a high-crime, low-quality area.
We've been doing it for the last year and a half... more out of necessity than choice. And things have been tight, but doable. Just depends on the why and what you're willing to arrange to make it happen. And sometimes, you don't have a choice (it just happens)... but you'd surprised how much you can do without when you need to/are forced to do without.
Yes, I do. I don't buy anything before checking it up on ebay first. Just today, I was able to save around $40 on Flea pills for my dogs. Petco had it for $65 and I was able to find on eBay for $26. Good deal, huh?
Timeshares are big business where I live, and I'm always amazed when they sell (and sell they do) with all the information available that prove what a bad investment they are.
I have used eBay with mixed results. For the most part, I have received what I wanted in the condition I expected. On a couple of occasions, I received incorrect or damaged items. Overall, it has been a positive experience, but I don't use it often at all.
Yeah. I miss my old dish drying rack, it was much nicer than the one I bought here.
I'd like to echo #5. While I mostly feel good about what I purged before moving across the country, when I realized how much extra room I had in my U-Haul, I regretted giving away some perfectly good things only to have to buy them again out here.
Glad the spreadsheet is useful. I think that once people get their finances in order, setting money aside is the relatively easy part. The market can go up and down but as long as the movement is up over a period of years, your retirement can stay funded. The more difficult part is getting high enough returns during retirement when you are drawing funds out (and presumably not putting more money in). But the more you can do in your working years, the better.
In a lot of cases this falls under the domain of warranties more than it does actual insurance products, though there's a bit of crossover in the case of MBI that you referenced above.
Hope you are enjoying San Francisco! It's one of my favorite areas in the world, despite the fog.
I always have a hard time determining which is more worth the money; the service charge I'll accept to use the ATM closer to my apartment, or the money on gas I'll spend getting to my actual bank to take money out. I usually try to make a plan of when I'll be closer to my banks ATM, I hate accepting those stupid service charges!
Its always a good idea to wait until mid-July or August to buy bathing suits, shorts, sandals and sunglasses. This is usually when people are starting to think about fall fashion anyway. The only problem with this is if you gain or lose weight before the next year's summer season rolls around. But getting stuff for kids, even pool and beach toys/towels is a good idea!
This only works on meat, poultry and egg products which require a USDA "EST" number on the package. To find who actually made an ALDI brand product:
(1) Look for a USDA “EST” number somewhere on the can. The “Bon Italia”
Beef Ravioli has “EST794” stamped on the bottom.
(2) Use this index to look up the manufacturer:
http://www.fns.usda.gov/cnd/cnlabeling/manufacturers.pdf
(3) “EST 794” is ConAgra.
(4) Go to the ConAgra website:
http://www.conagrafoods.com/consumer/brands/index.jsp
(5) Instantly notice that Chef Boyardee is one of their food brands.
I loved this cookies! Called my mom and told her about them, emailed her the link to your recipe. Sent my friend and her kid home with some, emailed HER the link to your recipe. LOOOOVE giving my kids cookies for breakfast and they love it to. Its helped right now because they are sick and very very picky about what they eat. Thank you so much!
Thanks for the informative article! I wonder what effect the new healthcare law will have on government spending and the monetary cliff? I do hope that Bernanke will manipulate the interests rates to counteract whatever policy decisions are made by either party...
I discovered a lot of this firsthand during a week without electricity, thanks to last week's wicked weather. I grew up in a part of the country where most people didn't have air conditioning; it simply wasn't necessary. But surviving in the triple-digits (hot AND humid) last weekend and this week without power made me grateful for my AC now that I live in the Southeast.
I'm glad you pointed out the potential health risks of foregoing AC during a heat wave. Extreme heat is the No. 1 cause of weather-related fatalities. I'm also glad you added the note of caution, and I'd add to the list people who take certain medications that can weaken an individual's resistance to heat.
I'd also keep in mind pets like dogs and cats when deciding whether to skip turning on the AC. They don't have as many options as we do to cool off. My pets' behavior changed drastically as soon as the power came back on and the AC was running.
Good advice. I always make sure that I don't get hit with service charges and late fees. they are the worst.
I'd differ. anyway, why'd you want to go overseas when we have DE, NV & FL right here?
I use ebay when I'm looking for something specific. I've found some incredible deals - out of print books for a dollar, vintage/antique items for 1/10 the price I'd just seen them in an antique store, and today I won a bid for a necklace to match earrings I received as a gift. I don't just browse though...that'd be too tempting!
Propane tank for soldering keeps my weeds down and they don' return
We heard the same thing. You can always foreclose..... I to bought when We could afford the home. I lost my job do to cutbacks, had health issues going on. We were able to get the first mortgage modified. That was great. And that was through Green Tree. Citimortage however is another story. Regardless of outcome. I will never knowingly use Citi-anything again. They are truely evil...
This article brought up some good points. I live in the mid-west and I know plenty of people who do not even have the option of AC even if they wanted it. I myself grew up without AC until I was around 13 or 14. Now, as an adult I can't help but love AC. I am the opposite with heating. I will wait until December or the threat of frozen pipes before I turn my heat on. I never wear a winter coat unless I go to Chicago. I am fine with just a sweatshirt unless it is below 20F. I even wear just shorts and a tee shirt in the house in the winter and I will go and get the mail without putting anything extra on (maybe shoes, but many times, not even shoes!) I guess I "run hot". I am afraid to even consider menopause. I think I might just spontaneously burst into flames when I get to that age. When we do have cool nights I turn off the air and open the windows, my husband shuts them on his way to work in the morning. I work evenings so I usually sleep late. When the nights only cool to 87 and the humidity makes it feel like a hot wet towel is wrapped around my body...my AC will be blasting! But even so, I do drink lots of water in the summer and I eat salad, fruits and veggies ALL the time in the summer. Most days the idea of hot food repulses me (even living and working in AC).
Maybe it's inconsequential, but it's hard to take seriously comments others make about a profession when they fill their opinions with typos and incorrect grammar. Even more noticeable is the prevalence of outright spelling errors.
As soon as I saw typos on the opening page of that link, it lost all credibility with me.
Do you personally know 99% of the real estate agents in the industry? No? Then your comment is not only foolish but ridiculous in and of itself.
Don't like agents? Don't use one. But don't cry about the fact that you find out later you could've negotiated more on the asking price, or messed up on a legal form somewhere that cost you thousands in fines or other expenses, or that the neighborhood you thought looked perfect from your "professional" perusal turns out to be a high-crime, low-quality area.
A combination of netflix and hulu should do the trick. Just the time spend on commercials is worth the month
We've been doing it for the last year and a half... more out of necessity than choice. And things have been tight, but doable. Just depends on the why and what you're willing to arrange to make it happen. And sometimes, you don't have a choice (it just happens)... but you'd surprised how much you can do without when you need to/are forced to do without.
Yes, I do. I don't buy anything before checking it up on ebay first. Just today, I was able to save around $40 on Flea pills for my dogs. Petco had it for $65 and I was able to find on eBay for $26. Good deal, huh?
Timeshares are big business where I live, and I'm always amazed when they sell (and sell they do) with all the information available that prove what a bad investment they are.
I have used eBay with mixed results. For the most part, I have received what I wanted in the condition I expected. On a couple of occasions, I received incorrect or damaged items. Overall, it has been a positive experience, but I don't use it often at all.