I think it really just depends on the product and you as a person. An auto warranty makes sense for those with a new-to-them car that is beyond the manufacturer's warranty, but may not be a priority for someone with a new car.
this is correct catch. The author's point is not correctly considered the IRS only tax net gain on case not whole loan amount because the foreclosed house still have value even it is benign totally diminished because land has value.
I prefer giftcards because if I get cash, I'll just put it toward bills (boring!). If I get a gift card, then I can splurge on something for myself I wouldn't normally get.
I recycled my comforter bag as a mini green house to start my vegatable seeds. I plant in trays and then just slide in,spray with warm water and zip. Works great holding moisture in. I can re-use them for years. If the zipper is broken then I roll the edge and clip with clothes pins
All of these points should be taken into consideration for off-season travel. I think things like kid's summer vacation from school is usually what keeps people from much off-season travel though.
This is an awesome list. I am always feeling like I have no idea what to get people for gifts, and while I was reading your list I assigned at least one to every person I would ever want to give gifts to! Honestly, I need to save these suggestions, because even though I often want to get an amazing gift that someone will actually use, I feel like I often fail in that department. I can't wait to get someone a magazine subscription or find some awesome used books to add to their collection. Thanks for the awesome and very useful suggestions!
My boyfriend and I together make about 250K which makes us rich right? I don't feel like we are really wealthy or anything like that. Sure we live in a five bedroom house in the bay area with no kids but we still watch what we spend. I think we have it good but we are definitely not super rich by any means.
I have always shopped at Aldi's. When my son was young, he called it the "poor" store and would not go in. Now he is a college graduate and shops there every week.
Would they really have a $350 K tax bill on the forgiveness of debt? Wouldnt it be the difference between the loan balance and what the bank sold the house for at auction? So therefore, if the loan was 350k and the house sold at auction for 300K, it would be a taxable income event of only 50K.
From my experience with switching from public to private to public (as I attended private only for a few years in high school), not all schools are created equal. Not that my local public school was bad (considering that I lived in Bloomfield Hills, MI... a pretty rich area in these parts), but the nearby private school I attended was light-years ahead. Heck, I was reading Milton in my Sophomore year in private high school.
Let's just say that I had difficulties switching from a 4.0+ GPA cocky public school student (sleeping well at nights), to a 2.8 private "miserable coffee-drinking awake-till-3AM" student. I had many other friends who made the transition, and for all of us, it was a very humbling experience.
Is Private better than Public? Not sure, as those are pretty broad terms. But, Ill tell you... nothing beats a top private school education in terms of kicking your a@@ every night, especially if you want your kids to be spending school breaks reading from the likes of Homer, Beckett and Chaucer. Is that type of education right for every student? Probably not. Will it transform your kid into a successful well-adjusted human being? Not sure.
But I highly doubt that any public school can match the top private schools in terms of ramming education in one's noodle. Yes, your grey cells will get plenty of exercise.
All of these tips are great! As I'm getting ready to plan a wedding and happen to be a locavore, two of these articles really struck me. Two years ago I was asked to DJ my brothers wedding and it added a nice personal touch to the whole event and no money was spent! Thanks for the tips!
Cash all the way. Or a visa gift card. Otherwise gift cards may expire and are restrictive. The only benefit to gift cards is that they can be more personal.
As a fan of TV, I must find out how to cash in. Thanks for highlighting my article. (I really need to figure out how to get those trackbacks working :) Lucky I stopped by for a read.
As an owner of 2 whole life policies at age 78, where both have death benefits of over 160 % of face amount and are growing (even tho I have had heart problems and cancer), I was asked today to explain a Universal Life policy for a friend in his early 60's which will last all the way to February 2014 IF he pays the full scheduled premium. It seems the Fed's super low interest rates have created some issues that do not affect my whole life. Oh, I fit both categories, I both bought it and sold it! Am I glad I did.
I know that the two things that help me be a better grocery shopper is to always shop with a list, and to always know what I plan to cook. I was lucky. My Dad came from 13 kids with a swedish cook for a mother, so ilearned how to cook well and with little. Plus, I try to make a point of buying pretty much everything except milk, fruit,etc every two weeks. Then I don't go back to the store. That has save me quite a bit of money and usually time too.
hi i just tried typing this command in "netsh interface tcp show global" and where it says the auto-tuning level, it says "highlyrestricted". i guess that means i'm ok right? thanks in advanced
The Pareto Principle comes into play, 20% of one's clothing is worn 80% of the time!
It helps to learn a few things:
-what looks best on your figure
-what colors look best with your complexion
-how often will you wear it (for cost per wear analysis)
These three things alone allow me to focus like a laser when I am shopping, especially online. I can do a search for "ruched, black, skirt" and get exactly what I'm looking for since retailers have improved their sites with extensive tagging.
I save money, space, time and get a look that I have imagined. Walking into the store can be the opposite, sensory overload, looking at items that won't look good on me at all. Red! Frills! Skinny jeans! ugh!
I think it really just depends on the product and you as a person. An auto warranty makes sense for those with a new-to-them car that is beyond the manufacturer's warranty, but may not be a priority for someone with a new car.
this is correct catch. The author's point is not correctly considered the IRS only tax net gain on case not whole loan amount because the foreclosed house still have value even it is benign totally diminished because land has value.
i think forgiveness should be the difference of total loan less the market value of the house which bank have taken to sale.
I prefer giftcards because if I get cash, I'll just put it toward bills (boring!). If I get a gift card, then I can splurge on something for myself I wouldn't normally get.
I recycled my comforter bag as a mini green house to start my vegatable seeds. I plant in trays and then just slide in,spray with warm water and zip. Works great holding moisture in. I can re-use them for years. If the zipper is broken then I roll the edge and clip with clothes pins
All of these points should be taken into consideration for off-season travel. I think things like kid's summer vacation from school is usually what keeps people from much off-season travel though.
This is an awesome list. I am always feeling like I have no idea what to get people for gifts, and while I was reading your list I assigned at least one to every person I would ever want to give gifts to! Honestly, I need to save these suggestions, because even though I often want to get an amazing gift that someone will actually use, I feel like I often fail in that department. I can't wait to get someone a magazine subscription or find some awesome used books to add to their collection. Thanks for the awesome and very useful suggestions!
Cash, every time.
Check slickhuB.com
I love using Duct Tape, the only problem with it is that when its warmer outside, its not as sticky as you would like. Besides that, some great ideas.
My boyfriend and I together make about 250K which makes us rich right? I don't feel like we are really wealthy or anything like that. Sure we live in a five bedroom house in the bay area with no kids but we still watch what we spend. I think we have it good but we are definitely not super rich by any means.
I have always shopped at Aldi's. When my son was young, he called it the "poor" store and would not go in. Now he is a college graduate and shops there every week.
Kristy
Would they really have a $350 K tax bill on the forgiveness of debt? Wouldnt it be the difference between the loan balance and what the bank sold the house for at auction? So therefore, if the loan was 350k and the house sold at auction for 300K, it would be a taxable income event of only 50K.
Thanks for mentioning our article on getting a spouse more financially involved!
You make me laugh with your comments :) Always good to see the lighter side of things - good luck with your wardrobe fix-up!
From my experience with switching from public to private to public (as I attended private only for a few years in high school), not all schools are created equal. Not that my local public school was bad (considering that I lived in Bloomfield Hills, MI... a pretty rich area in these parts), but the nearby private school I attended was light-years ahead. Heck, I was reading Milton in my Sophomore year in private high school.
Let's just say that I had difficulties switching from a 4.0+ GPA cocky public school student (sleeping well at nights), to a 2.8 private "miserable coffee-drinking awake-till-3AM" student. I had many other friends who made the transition, and for all of us, it was a very humbling experience.
Is Private better than Public? Not sure, as those are pretty broad terms. But, Ill tell you... nothing beats a top private school education in terms of kicking your a@@ every night, especially if you want your kids to be spending school breaks reading from the likes of Homer, Beckett and Chaucer. Is that type of education right for every student? Probably not. Will it transform your kid into a successful well-adjusted human being? Not sure.
But I highly doubt that any public school can match the top private schools in terms of ramming education in one's noodle. Yes, your grey cells will get plenty of exercise.
All of these tips are great! As I'm getting ready to plan a wedding and happen to be a locavore, two of these articles really struck me. Two years ago I was asked to DJ my brothers wedding and it added a nice personal touch to the whole event and no money was spent! Thanks for the tips!
Cash all the way. Or a visa gift card. Otherwise gift cards may expire and are restrictive. The only benefit to gift cards is that they can be more personal.
As a fan of TV, I must find out how to cash in. Thanks for highlighting my article. (I really need to figure out how to get those trackbacks working :) Lucky I stopped by for a read.
As a book lover, I always appreciate gift cards for books. I've never known anyone to give me cash as a gift.
As an owner of 2 whole life policies at age 78, where both have death benefits of over 160 % of face amount and are growing (even tho I have had heart problems and cancer), I was asked today to explain a Universal Life policy for a friend in his early 60's which will last all the way to February 2014 IF he pays the full scheduled premium. It seems the Fed's super low interest rates have created some issues that do not affect my whole life. Oh, I fit both categories, I both bought it and sold it! Am I glad I did.
I know that the two things that help me be a better grocery shopper is to always shop with a list, and to always know what I plan to cook. I was lucky. My Dad came from 13 kids with a swedish cook for a mother, so ilearned how to cook well and with little. Plus, I try to make a point of buying pretty much everything except milk, fruit,etc every two weeks. Then I don't go back to the store. That has save me quite a bit of money and usually time too.
I would love either, but probably cash!
hi i just tried typing this command in "netsh interface tcp show global" and where it says the auto-tuning level, it says "highlyrestricted". i guess that means i'm ok right? thanks in advanced
The Pareto Principle comes into play, 20% of one's clothing is worn 80% of the time!
It helps to learn a few things:
-what looks best on your figure
-what colors look best with your complexion
-how often will you wear it (for cost per wear analysis)
These three things alone allow me to focus like a laser when I am shopping, especially online. I can do a search for "ruched, black, skirt" and get exactly what I'm looking for since retailers have improved their sites with extensive tagging.
I save money, space, time and get a look that I have imagined. Walking into the store can be the opposite, sensory overload, looking at items that won't look good on me at all. Red! Frills! Skinny jeans! ugh!