Can you credit your sources ... Kiplinger's had this list of allowed tax deductions researched from tax court case files for several years ... The Dolan's flagges a lot of your disallowed tax deductions.
In addition to the websites already mentioned, I also use BookDealFinder.com. I can find the best possible price on all my books in under 5 minutes. It usually saves me about $200-$300 per semester. I would highly recommend checking it out if you haven't already!
What would be disappointing is if when the carrots are being trimmed down, the trimmings aren't captured for juice and other uses. I have to believe they are - if not the someone needs to be shot.
If so - then baby carrots aren't that much of a waste.
Betterworld.com has: 1) an ENORMOUS selection of books, 2) the shipping is almost free in the US with just a $0.27 charge for carbon free shipping ($3.97 for international shipping which you cannot beat with a stick - I know - I've tried), and 3) the money goes toward global literacy programs. I live in Belgium and have only been buying from Betterworld.com for 3 or 4 years now. I have never had a single problem with them (and I buy alot). I'm sure you've heard the saying "if it seems to good to be true, it probably is". I keep looking for the trick or the loophole but have yet to find it.
My wife and I went out shopping for a desk a few months ago. She wanted to go to IKA and several other stores. It took a bit of energy but I convinced her to let us stop at the local Goodwill first. We found a nice cherry wood desk with every joint dovetailed and handcrafted. We didn't buy it. First we went to the other stores to see what they had. Every desk in IKA was made of poor quality wood and one comparable, in style alone, to the Goodwill desk was over $350. We went back to GW and bought the desk for only a mere $25. It was way nicer than anything we saw that day. I have my wife convinced, I'm the bargain hunter.
"And although one of Suze's mantras is how much she loves stocks—"[S]tocks, in my opinion, are the best investment vehicle for the growth of your money over time"—less than 3 percent of Suze's net worth happens to be invested in them. Instead, she's tucked away the vast majority of those royalties ($32 million-plus, after taxes) into insured, government-backed bonds."
"more disturbing is her ridiculing of people who don't think that financial companies are on their side as "paranoid." These days, if that isn't reason enough to dump her as your financial adviser—or as your friend—how about this whopper: The long bull market, sayeth Suze, was a result of the economy's "remarkable state of balance." All this while income inequality, the federal deficit, the imbalance of trade, foreclosures, defaults, and personal bankruptcies were skyrocketing. At least we know why she didn't see the meltdown coming.
If everyone followed their dreams, the world as we know it would collapse. No one grows up dreaming of becoming a factory serf, or a mine worker, or a maid, but these are the very people who run our industries and keep society safely moored in modernity (ie. our clothes, cars, houses, etc). We respect Joe American because he is a hard worker and family man, not an idealistic dream chaser.
People of previous generations were conditioned to work for their families and they found satisfaction in monetary value, job fulfillment notwithstanding. The poor only hope for a better life; the war-torn just want to live and make a stable living for their families.
Only we, of a certain middle-class privilege, tell ourselves that our lives mean something, that our desires should be put ahead of our familial responsibilities. Why not make all the money we can, and spend our weekends doing what we like? Is there any wrong in that?
I worked in theatre for five years before accepting the fact that I would never make enough money to raise my family and keep them living at a comfortable standard - the same level of comfort i was brought up with, because i cannot deny them that privilege. I followed my dream, enjoyed my stint, but reality bit back. You either choose your career or your family.
But who knows. Here's to the ones who managed to live their dreams and make a profit out of it. Cheers.
I am working on my B.S. in accounting and have used Chegg many times. I love it! You can choose your rental period, either semester or quarter. The prices are great, often half of retail. As an added perk, Chegg plants a tree for each textbook you rent.
These are all great comments, and good suggestions.
In regards to the laptop battery issue, let us remember that the point of the exercise is to save on power consumption, along with saving money. By removing the battery, you will draw an average of 30watts (instead of the 44watts it takes to charge the battery too) which is a nice savings, and a great idea. Just be sure not to leave the laptop on, nor to put it in sleep mode when it is not in use.
As for the 8% average annual return debate, this is an old one. On average, over 30 years, experts agree that 8% is a reasonable rate of return to achieve with a well-diversified portfolio; some would even call this conservative. In a down market though, I understand that it is difficult to see the forest through the trees. Hang in there!
This past year I've been able to get quite a few books for my daughter (English and history major) through PaperBackSwap. I had plenty of credits and the sender of the requested book paid the price of media mail to get the books to me.
I also posted and mailed out a couple of textbooks my daughter and my son had used and decided not to sell back to the bookstore on campus. Again, all I paid was the media mail rate to mail the book, and when it was received I got another credit to use for more books.
I've actually had a bit of trouble buying books online. I'm in Canada, so the selection of used Canadian books out there is already much smaller, and often the editions of the books are different. I was in a two year Accounting college program, and obviously none of the books would be the same except since the laws and everything are different from the US. Also, most of the books were new editions. Finally, over the two years, I had 4 courses which had an online component, and required a valid Lyryx card and/or some other code to access the publisher's websites for quizzes, which was often bundled in with the text. In that case, if you got a used book, you had to purchase the card/access code separately, and then it might not be worth it to be used or online.
There were a couple of things I did to save some money though:
-go to the bookstore early to see if they have any used copies from the previous semester
-buy books from Amazon.ca; although you are still paying full price, you might be able to get them for 5% less than the bookstore price. With their free shipping over 39 dollars, it's worth it.
-share books. I have a friend who is taking two courses this semester that I took last semester. I will lend her my books. You can come up with some kind of agreement on paying half/half and then selling and splitting the sale, or one person pays 15% of the book to 'rent' it from you if you want to keep it, etc.
I think we ARE financing that car. Think of how many people you know who re-fied their way to fame and fortune via the inflated equity in their homes to buy that luxury SUV, RV, boat, the list goes on. These are things that these people couldn't afford even at the generous 6-year lending terms but - HEY - they had all that imaginary equity in their house and could take 30 years to pay off a new car. BS!
We were responsible (read stupid) enough to put down 20% on our home whose mortgage payments equal 9.7% of our combined income. We were stupid enough to think ahead to the "what if" one of us lost our jobs. Wanted to make sure we wouldn't lose ours and our children's home if one of us became unemployed or ill. Wanted to be responsible to our family. Now I'm being punished and forced to pay for those who spent like they won the lottery.
Oh, and for those who think us "uncharitable"?
We donate more to the charities OF OUR CHOICE every year than we could EVER write off our taxes.
I can't believe that no one's mentioned renting textbooks through Chegg! Textbooks available for rent on Chegg are normally half price, you can highlight in them, and return shipping is paid.
The best part is that they MUST take back your textbook. If a new edition comes out the semester after you use a book, then bookstores or online sites often refuse to buy it back. In theory, you get half of what you've paid by selling back textbooks, but I've been offered too little (sometimes as low as $0.25) too many times.
If you run without the battery, your computer will die instantly if power is cut off for any reason (playful cat, power outage, etc.) and you will lose any unsaved work. Just something to think about if you're running battery-free.
FWIW, I work for a software company that provides laptops and is quite diligent about keeping hardware costs down - no one has ever suggested to us that we run without our batteries to save them, and I have never had one wear out despite constant use.
As someone who grew up drinking only water, milk, and the occasional bottled "fruit" juices, I definitely applaud you on this. In our home, soda was a twice-a-year thing (Thanksgiving and Christmas) that really meant on one thing: 7-Up. Still not a big soda, milk, or bottled juice drinker (people make fun because I inevitably water down my "juice." I'm sweet enough, thanks. ;-)
Good luck--whether or not you backslide, your palate and your wallet will thank you.
have you looked into if you would qualify for this with your lender?
i will be looking into this soon. just to see if we can refi at a better interest rate. could save us hundreds a month.
This likely only works for humanities majors, but it's worth a try no matter what. I bought only around 15% of my textbooks, for classes like psych or computer science. For history, english, etc. just go to the library as soon as you get your book list. Most schools have multiple copies of books, or have connections so you can borrow from other schools, and in that case you can often even wait until you need the book to check it out. Just keep on top of due dates and be sure to renew your books before they're due. I just graduated, and throughout four years I only had to pay $25 because they claimed I didn't return one book, and then a few bucks in late fees.
Can you credit your sources ... Kiplinger's had this list of allowed tax deductions researched from tax court case files for several years ... The Dolan's flagges a lot of your disallowed tax deductions.
Where did you do your research?
In addition to the websites already mentioned, I also use BookDealFinder.com. I can find the best possible price on all my books in under 5 minutes. It usually saves me about $200-$300 per semester. I would highly recommend checking it out if you haven't already!
What would be disappointing is if when the carrots are being trimmed down, the trimmings aren't captured for juice and other uses. I have to believe they are - if not the someone needs to be shot.
If so - then baby carrots aren't that much of a waste.
Betterworld.com has: 1) an ENORMOUS selection of books, 2) the shipping is almost free in the US with just a $0.27 charge for carbon free shipping ($3.97 for international shipping which you cannot beat with a stick - I know - I've tried), and 3) the money goes toward global literacy programs. I live in Belgium and have only been buying from Betterworld.com for 3 or 4 years now. I have never had a single problem with them (and I buy alot). I'm sure you've heard the saying "if it seems to good to be true, it probably is". I keep looking for the trick or the loophole but have yet to find it.
My wife and I went out shopping for a desk a few months ago. She wanted to go to IKA and several other stores. It took a bit of energy but I convinced her to let us stop at the local Goodwill first. We found a nice cherry wood desk with every joint dovetailed and handcrafted. We didn't buy it. First we went to the other stores to see what they had. Every desk in IKA was made of poor quality wood and one comparable, in style alone, to the Goodwill desk was over $350. We went back to GW and bought the desk for only a mere $25. It was way nicer than anything we saw that day. I have my wife convinced, I'm the bargain hunter.
Most Americans make about 50 thousand or less and a couple 100. If your at 200s, then cry me a river.
I have no beef with Oprah, but Suze Orman is nothing but a big con artist. Why anyone would listen to her is beyond me.
http://www.thebigmoney.com/articles/impressions/2009/02/10/if-you-knew-s...
"And although one of Suze's mantras is how much she loves stocks—"[S]tocks, in my opinion, are the best investment vehicle for the growth of your money over time"—less than 3 percent of Suze's net worth happens to be invested in them. Instead, she's tucked away the vast majority of those royalties ($32 million-plus, after taxes) into insured, government-backed bonds."
"more disturbing is her ridiculing of people who don't think that financial companies are on their side as "paranoid." These days, if that isn't reason enough to dump her as your financial adviser—or as your friend—how about this whopper: The long bull market, sayeth Suze, was a result of the economy's "remarkable state of balance." All this while income inequality, the federal deficit, the imbalance of trade, foreclosures, defaults, and personal bankruptcies were skyrocketing. At least we know why she didn't see the meltdown coming.
Thank you. I kinda suspected that, but did not realize it eats up that much power.
If everyone followed their dreams, the world as we know it would collapse. No one grows up dreaming of becoming a factory serf, or a mine worker, or a maid, but these are the very people who run our industries and keep society safely moored in modernity (ie. our clothes, cars, houses, etc). We respect Joe American because he is a hard worker and family man, not an idealistic dream chaser.
People of previous generations were conditioned to work for their families and they found satisfaction in monetary value, job fulfillment notwithstanding. The poor only hope for a better life; the war-torn just want to live and make a stable living for their families.
Only we, of a certain middle-class privilege, tell ourselves that our lives mean something, that our desires should be put ahead of our familial responsibilities. Why not make all the money we can, and spend our weekends doing what we like? Is there any wrong in that?
I worked in theatre for five years before accepting the fact that I would never make enough money to raise my family and keep them living at a comfortable standard - the same level of comfort i was brought up with, because i cannot deny them that privilege. I followed my dream, enjoyed my stint, but reality bit back. You either choose your career or your family.
But who knows. Here's to the ones who managed to live their dreams and make a profit out of it. Cheers.
LED lights themselves are actually very efficient; a tiny indicator uses a totally insignificant amount of power.
The trouble is that the light shows your device is doing something with electricity, and it's not just illumination.
I am working on my B.S. in accounting and have used Chegg many times. I love it! You can choose your rental period, either semester or quarter. The prices are great, often half of retail. As an added perk, Chegg plants a tree for each textbook you rent.
Im trying to make my DVD player region free and not having any luck
i have a Samsung V6700S DVD/VCR combi
can anyone please help me
These are all great comments, and good suggestions.
In regards to the laptop battery issue, let us remember that the point of the exercise is to save on power consumption, along with saving money. By removing the battery, you will draw an average of 30watts (instead of the 44watts it takes to charge the battery too) which is a nice savings, and a great idea. Just be sure not to leave the laptop on, nor to put it in sleep mode when it is not in use.
As for the 8% average annual return debate, this is an old one. On average, over 30 years, experts agree that 8% is a reasonable rate of return to achieve with a well-diversified portfolio; some would even call this conservative. In a down market though, I understand that it is difficult to see the forest through the trees. Hang in there!
This past year I've been able to get quite a few books for my daughter (English and history major) through PaperBackSwap. I had plenty of credits and the sender of the requested book paid the price of media mail to get the books to me.
I also posted and mailed out a couple of textbooks my daughter and my son had used and decided not to sell back to the bookstore on campus. Again, all I paid was the media mail rate to mail the book, and when it was received I got another credit to use for more books.
I've actually had a bit of trouble buying books online. I'm in Canada, so the selection of used Canadian books out there is already much smaller, and often the editions of the books are different. I was in a two year Accounting college program, and obviously none of the books would be the same except since the laws and everything are different from the US. Also, most of the books were new editions. Finally, over the two years, I had 4 courses which had an online component, and required a valid Lyryx card and/or some other code to access the publisher's websites for quizzes, which was often bundled in with the text. In that case, if you got a used book, you had to purchase the card/access code separately, and then it might not be worth it to be used or online.
There were a couple of things I did to save some money though:
-go to the bookstore early to see if they have any used copies from the previous semester
-buy books from Amazon.ca; although you are still paying full price, you might be able to get them for 5% less than the bookstore price. With their free shipping over 39 dollars, it's worth it.
-share books. I have a friend who is taking two courses this semester that I took last semester. I will lend her my books. You can come up with some kind of agreement on paying half/half and then selling and splitting the sale, or one person pays 15% of the book to 'rent' it from you if you want to keep it, etc.
I think we ARE financing that car. Think of how many people you know who re-fied their way to fame and fortune via the inflated equity in their homes to buy that luxury SUV, RV, boat, the list goes on. These are things that these people couldn't afford even at the generous 6-year lending terms but - HEY - they had all that imaginary equity in their house and could take 30 years to pay off a new car. BS!
We were responsible (read stupid) enough to put down 20% on our home whose mortgage payments equal 9.7% of our combined income. We were stupid enough to think ahead to the "what if" one of us lost our jobs. Wanted to make sure we wouldn't lose ours and our children's home if one of us became unemployed or ill. Wanted to be responsible to our family. Now I'm being punished and forced to pay for those who spent like they won the lottery.
Oh, and for those who think us "uncharitable"?
We donate more to the charities OF OUR CHOICE every year than we could EVER write off our taxes.
I can't believe that no one's mentioned renting textbooks through Chegg! Textbooks available for rent on Chegg are normally half price, you can highlight in them, and return shipping is paid.
The best part is that they MUST take back your textbook. If a new edition comes out the semester after you use a book, then bookstores or online sites often refuse to buy it back. In theory, you get half of what you've paid by selling back textbooks, but I've been offered too little (sometimes as low as $0.25) too many times.
If you run without the battery, your computer will die instantly if power is cut off for any reason (playful cat, power outage, etc.) and you will lose any unsaved work. Just something to think about if you're running battery-free.
FWIW, I work for a software company that provides laptops and is quite diligent about keeping hardware costs down - no one has ever suggested to us that we run without our batteries to save them, and I have never had one wear out despite constant use.
You can also get cheap textbooks through the national Goodwill online auction site, www.shopgoodwill.com or our Goodwill site through Half.com: www.gooodwillnne.org/half.
Thanks for the informative post!
As someone who grew up drinking only water, milk, and the occasional bottled "fruit" juices, I definitely applaud you on this. In our home, soda was a twice-a-year thing (Thanksgiving and Christmas) that really meant on one thing: 7-Up. Still not a big soda, milk, or bottled juice drinker (people make fun because I inevitably water down my "juice." I'm sweet enough, thanks. ;-)
Good luck--whether or not you backslide, your palate and your wallet will thank you.
sorry, the comment above was referring to the 11th commenter
have you looked into if you would qualify for this with your lender?
i will be looking into this soon. just to see if we can refi at a better interest rate. could save us hundreds a month.
Ah, I'd agree with that--removing the battery completely.
This likely only works for humanities majors, but it's worth a try no matter what. I bought only around 15% of my textbooks, for classes like psych or computer science. For history, english, etc. just go to the library as soon as you get your book list. Most schools have multiple copies of books, or have connections so you can borrow from other schools, and in that case you can often even wait until you need the book to check it out. Just keep on top of due dates and be sure to renew your books before they're due. I just graduated, and throughout four years I only had to pay $25 because they claimed I didn't return one book, and then a few bucks in late fees.
I want to tray it.
Change is the way to get your dream.