I've got the Doctors office trying to charge me with office visits that never happened, They say its your word against thiers and they send you a bill and tell you if you don't pay it they will turn it over to a colection agancy and ruin your credit. I've got news for them, I have no credit I pay cash for everything, so I don't care, but there are other people out there that do have credit and are in a corner.
Or you can scrap all the above and live in a decent country that has medical insurance for everyone like England, Canada, or Germany. Then you can tell the USA Doctors to stuff it the thieving bastards.
Excellent points! I had a large array of lab work that was due in November. Asked my Dr if January 2 was too late, and when they said no, pushed them back and rescheduled my followup. Same thing with ear tube removal surgery for my daughter. She actually met her deductible in January, and may even hit the MOOP (Maximum out of pocket) by June. Time for any dental that may be medical (needs a couple of teeth extracted)!
To me "High-Interest Consumer Debt" *is* the emergency! Once that's 100% gone, it would be incredibly stupid not to have a fund set aside, even if it's just earning minimal interest. Sure, you can live in Tornado Alley, not have insurance, and never get hit, but it doesn't make you clever.
Otherwise, I think this is simply a Devil's advocate stance just to create an attention-grabbing headline. [Sigh]... The things people will do for ratings.
Some pineapples have the bud removed from inside the leaf cone to prevent you from growing new fruits. The big companies (Dole) are more likely to do this.
I agree with the first point to an extent. Paying off high interest debt is the best way to improve cash flow, but why did most people in this current economy used a credit card?
To buy the necessities like food, pay for utilities, and other important living expenses. A family with an emergency fund prevents a family from relying on debt to pay for the basics.
Sometimes there is a difference. I guess you've got to give the big brands some credit for the R&D and testing that goes into their products. But if I can't taste the difference, I don't pay for it.
Years ago I made the decision to exit the normal work force and work on my own. It was one of the hardest things I've ever done and it required a great deal of planning, but it was completely worth it.
Any time you want to make big changes in your life it always comes with some risk and that's something you need to be able to accept. The beauty of risk though is that it often comes tied in with potential reward. Is it worth risking something small in the short term that will lead to massive long terms gain and happiness in your life or career? In my opinion this is definitely a question worth asking and if you like the answer, take action!
I think standard financial advice is standard because it's tried and true. However, I think the advice in this article is a great starting point. There is no point trying to sock away extra money in a retirement account when you're paying penalties on credit card debt or the like. Doing so skyrockets the interest rate you're already paying if you're carrying debt.
I think basically the gist of this article is to manage one's cash flow first so you're not losing money through unnecessary payments.
I will file my own taxes again this year. I do this every year for my wife and son as well. I use StudioTax. It is a free tax software for Canadian tax filing.
Great idea. Will be trying to creat such a plan this weekend, hope I can go strictry according to it. I've been thinking about opening a savings account for quite a long time now and never had the chance to do it. I think now is the right time to start saving.
We just laid ceramic tile in my kitchen. Can't get the "grout haze" off. Even have circles where the rinse bucket sat. Would baking soda be safe for this? Bought a commercial grout haze remover that has toxic symbols on it with precautions about safety glasses and gloves. Really don't want to go that route. Any suggestions?
Am I being to aggressive because as I see it my emergency fund is going to take forever to save up. I figure if I live bare bones I can get by on $2,000. I can probably do $1500 if I eat ramen noodles everyday, and cut off internet and cable. But really, my monthly expense are $1500 easily without splurging, so we might as well use 2,000. I'm self-employed, so I am more comfortable saving up six months living expenses at this point. Three doesn't seem like enough. I'm bringing in about $4,000 a month. I figure I can comfortably put 400 a month into an emergency fund. At that rate it will take me 30 months to build up a six month emergency fund. Does that sound right, or am I saving too much? 400 x 30 is $12,000 which is six months for me. OMG!!
can someone recommend what they would consider to be the most advantageous/helpful book regarding essay writing. As much as I understand the intention behind an essay: wanting to best convincingly prove or refute a thesis statement — a book that serves as a layman's guide would prove helpful.
don't get me wrong - I'm looking and reading, but I'm interested in what the members of this blog thread might have to say...
Nope! We have a small business and it seems "safer" to go with a CPA since small business owners doing their own taxes are often a red flag with the IRS. I'd rather have peace of mind and let someone else handle it -- and then write off the expense for next year! :)
I've got the Doctors office trying to charge me with office visits that never happened, They say its your word against thiers and they send you a bill and tell you if you don't pay it they will turn it over to a colection agancy and ruin your credit. I've got news for them, I have no credit I pay cash for everything, so I don't care, but there are other people out there that do have credit and are in a corner.
Yes I've already filed my taxes online and have received my refund!
Or you can scrap all the above and live in a decent country that has medical insurance for everyone like England, Canada, or Germany. Then you can tell the USA Doctors to stuff it the thieving bastards.
rsvp @lvoernsavers
Excellent points! I had a large array of lab work that was due in November. Asked my Dr if January 2 was too late, and when they said no, pushed them back and rescheduled my followup. Same thing with ear tube removal surgery for my daughter. She actually met her deductible in January, and may even hit the MOOP (Maximum out of pocket) by June. Time for any dental that may be medical (needs a couple of teeth extracted)!
Unfortunately, yes, doing my own. Schedule C makes it a bit more of a headache.
RSVP - @cwheeler_82
To me "High-Interest Consumer Debt" *is* the emergency! Once that's 100% gone, it would be incredibly stupid not to have a fund set aside, even if it's just earning minimal interest. Sure, you can live in Tornado Alley, not have insurance, and never get hit, but it doesn't make you clever.
Otherwise, I think this is simply a Devil's advocate stance just to create an attention-grabbing headline. [Sigh]... The things people will do for ratings.
Some pineapples have the bud removed from inside the leaf cone to prevent you from growing new fruits. The big companies (Dole) are more likely to do this.
RSVP -georgiadan19
I agree with the first point to an extent. Paying off high interest debt is the best way to improve cash flow, but why did most people in this current economy used a credit card?
To buy the necessities like food, pay for utilities, and other important living expenses. A family with an emergency fund prevents a family from relying on debt to pay for the basics.
Definitely going to be reading the car salesman article. I'm looking to get a new car so this would help big-time.
Sometimes there is a difference. I guess you've got to give the big brands some credit for the R&D and testing that goes into their products. But if I can't taste the difference, I don't pay for it.
Turbotax all the way. Already got my refund.
Years ago I made the decision to exit the normal work force and work on my own. It was one of the hardest things I've ever done and it required a great deal of planning, but it was completely worth it.
Any time you want to make big changes in your life it always comes with some risk and that's something you need to be able to accept. The beauty of risk though is that it often comes tied in with potential reward. Is it worth risking something small in the short term that will lead to massive long terms gain and happiness in your life or career? In my opinion this is definitely a question worth asking and if you like the answer, take action!
Good luck creating your plan Rachel! It's never too late to start saving.
I think standard financial advice is standard because it's tried and true. However, I think the advice in this article is a great starting point. There is no point trying to sock away extra money in a retirement account when you're paying penalties on credit card debt or the like. Doing so skyrockets the interest rate you're already paying if you're carrying debt.
I think basically the gist of this article is to manage one's cash flow first so you're not losing money through unnecessary payments.
I will file my own taxes again this year. I do this every year for my wife and son as well. I use StudioTax. It is a free tax software for Canadian tax filing.
Great idea. Will be trying to creat such a plan this weekend, hope I can go strictry according to it. I've been thinking about opening a savings account for quite a long time now and never had the chance to do it. I think now is the right time to start saving.
We just laid ceramic tile in my kitchen. Can't get the "grout haze" off. Even have circles where the rinse bucket sat. Would baking soda be safe for this? Bought a commercial grout haze remover that has toxic symbols on it with precautions about safety glasses and gloves. Really don't want to go that route. Any suggestions?
Am I being to aggressive because as I see it my emergency fund is going to take forever to save up. I figure if I live bare bones I can get by on $2,000. I can probably do $1500 if I eat ramen noodles everyday, and cut off internet and cable. But really, my monthly expense are $1500 easily without splurging, so we might as well use 2,000. I'm self-employed, so I am more comfortable saving up six months living expenses at this point. Three doesn't seem like enough. I'm bringing in about $4,000 a month. I figure I can comfortably put 400 a month into an emergency fund. At that rate it will take me 30 months to build up a six month emergency fund. Does that sound right, or am I saving too much? 400 x 30 is $12,000 which is six months for me. OMG!!
question please re: #10. Writing...
can someone recommend what they would consider to be the most advantageous/helpful book regarding essay writing. As much as I understand the intention behind an essay: wanting to best convincingly prove or refute a thesis statement — a book that serves as a layman's guide would prove helpful.
don't get me wrong - I'm looking and reading, but I'm interested in what the members of this blog thread might have to say...
Suggestions?
Thank you :)
Yes, we always do our own taxes. We don't have much complicated to handle, so it's fairly easy.
I filed them myself with TurboTax.
Nope! We have a small business and it seems "safer" to go with a CPA since small business owners doing their own taxes are often a red flag with the IRS. I'd rather have peace of mind and let someone else handle it -- and then write off the expense for next year! :)