I only buy apps when they're on sale. A couple of months ago, Android Market featured 10 apps every day, each for 10 cents, so I picked up Read It Later, now one of my favorite, most used apps. Fyi, Market is now selling certain apps for 49 cents, some reduced from $5 or even $10!
But it is also easy to get free apps on Android if you just comparison shop. Between Android Market, the Amazon Appstore, and Getjar, you can find great apps to fit your every need.
These recipes look good. I love my crockpot! Definitely a stress free and economical way to cook. I love that photo by the way, 3 buck chuck and a smile!
Pets are definately worth the cost. My pets are like family, each of us has a distinct personality and we do different things together. One dog walks with me, one does tricks for treats, and one is the cuddler. They fill my life and bring meaning and adventure to each day. The relationships are special and that also fills a human need for companionship and interaction. Psychological studies show that people with pets are happier and live longer. Petting and playing are both beneficial to us as well as our pets. And history shows us that people have chosen to live with pets for thousands of years. It is human nature to bond with our animal friends. They are more than worth their costs.
I've never read your column before and to be honest, it reads like a smear campaign. I have no opinion about Horizon milk. I buy it as often as any other organic milk. If those who are on the fence about buying organics over "regular" food read this article they may never buy organics and would very likely just keep on buying the pesiticide laden, GMO, factory farmed crap that they have always bought. I'm really not sure what you were trying to prove by writing this article but in my eyes you have only served to confuse and demoralize anyone who eats.
Hi David, sounds like you kept yourself on the same payoff schedule as well. All the refinances you did were absolute no brainers and probably will end up saving you a significant amount of interest over the life of the loan.
Point number one in the article is a good one. Going with a new loan at a lower rate doesn't necessarily save you money in the long run if you're stretching back out over a longer loan term. It's important to analyze the amount of interest left to pay on the current loan versus the total interest bill on a new loan.
There have been scenarios I've worked on where the borrower is getting a significantly lower interest rate, cutting down their loan term, and still not saving any money over the life of the loan because they've already paid so much of their current loan off and the payments are mostly principal at this point. When evaluating whether a refinance makes sense, you have to look beyond rates and fees. Those are important, but it's important to analyze how the interest is accruing in your current loan and on the new loan.
Hey Tara - Yeah, it's funny how there's this stereotype about women not knowing how to make money, yet recent studies have proven we're actually more "genetically suited" to saving money than our male counterparts. Women tend to buy and hold and be less emotional on investing...guys tend to be more aggressive. In the end from what I've read, one gender doesn't end up making more than the other - it's actually pretty much dead even, just with different investment styles.
And yeah, it makes my blood boil too. I think it's changing for the better, though.
I know. The worst part is, I don't even think he understood how it came across. It was certainly motivational in ways he probably never intended, though!
Paying for live membership just to have Netflix is ridicule! Playstation and all DVD players let you play Netflix without any extra membership. Way to make good customers Microsoft!
In Central Texas clothing merchants start selling spring clothes in December (okay, maybe not before Christmas, but not long after). I would avoid new outdoor grills too (in March).
You can also save by shopping/cooking for more than one and then having lots of meals left over. That way you save time with ready to eat meals, and less trips to the store, as well as money.
I have not purchased any apps. I have downloaded a few free ones, but have yet to find one that I needed enough to buy. My wife, who downloads far more apps than I do, has found plenty of free ones to keep her occupied without having purchased any to date.
I personnaly don't like the taste of flavored yogurt from the store and I don't like eating it very often because of the expense. I started making yogurt so that I could have an alternative for sour cream that was lower in fat if I needed it, make frozen yogurt, and yogurt is supposed to be really good for immune support. I figured I would make yogurt mostly for making frozen yogurt not for eating fresh. I was wrong about that. I can't make enough of it. I bought 8oz canning jars so that I can have a constant supply in the fridge. My favorite mix in is 1 tbsp sugar and 1/4 tsp per 6 oz cup. My kids like 1-2 Tbsp homemade jam. One thing that is frustrating is whenever I add flavorings it thins down everything. Anyone have suggestions?
I've made about 6 batches so far and I can't get enough of it.
I like being debt free. Saving helps me stay that way.
I am motivated to save because of all the struggles I see people going through. These times are truly hard.
Probably going to have to my luggage soon so I'll be on the lookout this month!
I only buy apps when they're on sale. A couple of months ago, Android Market featured 10 apps every day, each for 10 cents, so I picked up Read It Later, now one of my favorite, most used apps. Fyi, Market is now selling certain apps for 49 cents, some reduced from $5 or even $10!
But it is also easy to get free apps on Android if you just comparison shop. Between Android Market, the Amazon Appstore, and Getjar, you can find great apps to fit your every need.
What an extensive list. Thanks! I'll check these out. I'm already familiar with Create Worth and love it.
These recipes look good. I love my crockpot! Definitely a stress free and economical way to cook. I love that photo by the way, 3 buck chuck and a smile!
I save for my boys. I want to be able to help them when they get older and I want to treat them on trips..something that I didn't do.
Pets are definately worth the cost. My pets are like family, each of us has a distinct personality and we do different things together. One dog walks with me, one does tricks for treats, and one is the cuddler. They fill my life and bring meaning and adventure to each day. The relationships are special and that also fills a human need for companionship and interaction. Psychological studies show that people with pets are happier and live longer. Petting and playing are both beneficial to us as well as our pets. And history shows us that people have chosen to live with pets for thousands of years. It is human nature to bond with our animal friends. They are more than worth their costs.
I've never read your column before and to be honest, it reads like a smear campaign. I have no opinion about Horizon milk. I buy it as often as any other organic milk. If those who are on the fence about buying organics over "regular" food read this article they may never buy organics and would very likely just keep on buying the pesiticide laden, GMO, factory farmed crap that they have always bought. I'm really not sure what you were trying to prove by writing this article but in my eyes you have only served to confuse and demoralize anyone who eats.
Hi David, sounds like you kept yourself on the same payoff schedule as well. All the refinances you did were absolute no brainers and probably will end up saving you a significant amount of interest over the life of the loan.
Point number one in the article is a good one. Going with a new loan at a lower rate doesn't necessarily save you money in the long run if you're stretching back out over a longer loan term. It's important to analyze the amount of interest left to pay on the current loan versus the total interest bill on a new loan.
There have been scenarios I've worked on where the borrower is getting a significantly lower interest rate, cutting down their loan term, and still not saving any money over the life of the loan because they've already paid so much of their current loan off and the payments are mostly principal at this point. When evaluating whether a refinance makes sense, you have to look beyond rates and fees. Those are important, but it's important to analyze how the interest is accruing in your current loan and on the new loan.
I don't buy apps.
This is great, so many useful resources in one spot. I love Ladies Who Lunch and Women Entrepreneur.
Hey Tara - Yeah, it's funny how there's this stereotype about women not knowing how to make money, yet recent studies have proven we're actually more "genetically suited" to saving money than our male counterparts. Women tend to buy and hold and be less emotional on investing...guys tend to be more aggressive. In the end from what I've read, one gender doesn't end up making more than the other - it's actually pretty much dead even, just with different investment styles.
And yeah, it makes my blood boil too. I think it's changing for the better, though.
I know. The worst part is, I don't even think he understood how it came across. It was certainly motivational in ways he probably never intended, though!
Thank you! On instinct, you're completely right- that's a hard lesson, but a valuable one to learn.
Paying for live membership just to have Netflix is ridicule! Playstation and all DVD players let you play Netflix without any extra membership. Way to make good customers Microsoft!
Nope, my phone doesn't even use them it is so old!
In Central Texas clothing merchants start selling spring clothes in December (okay, maybe not before Christmas, but not long after). I would avoid new outdoor grills too (in March).
I don't buy apps, my phone isn't that smart!
You can also save by shopping/cooking for more than one and then having lots of meals left over. That way you save time with ready to eat meals, and less trips to the store, as well as money.
I have not purchased any apps. I have downloaded a few free ones, but have yet to find one that I needed enough to buy. My wife, who downloads far more apps than I do, has found plenty of free ones to keep her occupied without having purchased any to date.
I personnaly don't like the taste of flavored yogurt from the store and I don't like eating it very often because of the expense. I started making yogurt so that I could have an alternative for sour cream that was lower in fat if I needed it, make frozen yogurt, and yogurt is supposed to be really good for immune support. I figured I would make yogurt mostly for making frozen yogurt not for eating fresh. I was wrong about that. I can't make enough of it. I bought 8oz canning jars so that I can have a constant supply in the fridge. My favorite mix in is 1 tbsp sugar and 1/4 tsp per 6 oz cup. My kids like 1-2 Tbsp homemade jam. One thing that is frustrating is whenever I add flavorings it thins down everything. Anyone have suggestions?
I've made about 6 batches so far and I can't get enough of it.
Since I don't have a smartphone, you can guess what my answer is.
https://twitter.com/#!/KelRo1/status/177510390282981376
Like you on FB.