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"Why You SHOULDN?T Prepay Your Monthly Bills" posted by ~Ray
Posted on 2008-11-27 14:13:44

Earlier today I wrote that. I acknowledged that some people might think this was dumb but that I liked to do it anyhow. It’s not often that I share something with which GRS readers vehemently disagree. This is one of those rare cases. Because there’s so much opposition to this idea and because each of these points is valid. I’ve combed to compile a list of reasons you should not prepay your monthly bills: These are all excellent points. But are these arguments strong enough to alter me change my object? Only one. Before I next prepay my monthly bills. I’m going to do more research into automatic billpay. The last time I checked my ascribe union wanted $5/month to do this. While these arguments aren’t strong enough to dissuade me from prepaying my bills they’re strong enough for me to regret having posted the money cut this morning. These are all well but have you thought about your electric/heating bill. I’m not sure where you live but in Texas our electric bill is high in the summers low in the winters. Converesly heating high in winter low in the pass. But for only two or three months. I have taken the last years worth of bills and calculated an average monthly bill for the year and pay that amount each month. This gets us ahead on the electric account so that in the pass. I don’t have to calculate for a high a/c bill. The budget doesn’t break. Similarly for the heating when it’s normally $10 a month the stick shock of a $100 heating account in January doesn’t impel me for a circle. Also the thing to remember about money is that though it might not alter super comprehend to pay stuff for a certain amount of time if it relieves stress and makes you feel better to prepay then go for it. If you leave the $400 for your cable company in your savings at 5% sure you’d alter $20 for the year. But that $400 isn’t going to sit there for a year. It’s going to decrease by $33.33 each month. So you won’t make that $20. Is that Why not go ahead and prepay when you’ve got the extra cash but then from then on start making one monthly deposit to the high-yield account in the amount that you would have paid? That way. 1.) you’re still earning SOME interest (and really how much can the difference possibly be?). 2.) you get the low-hassle benefit of having your bills paid and only making one assign per month 3.) you can’t run the assay of false lifestyle inflation because that money is being whisked away into savings and 4.) if something comes up you have your monthly “payments” in savings as a choose of cushion (which you shouldn’t really be because you of course have an emergency fund already established right?) You can have Their accounts pull money from another account such as your CU at specific times of the month. You could also have it assign money between the ING savings to the Electric orange if you wanted to maximize your savings. For anyone out there thinking of Going with ING their phone people have always been very helpful to me and have always been quick to pick up the phone. I haven’t set up and account with them yet but am planning to very soon. Pay Yourself First!The Automatic Savings Plan allows you to automatically undergo a fixed amount of money regularly transferred to your high interest Orange Savings from your linked checking account. You will be saving your money effortlessly and will have money for a rainy day or to achieve your dreams. You can either call us or set up your Automatic Savings Plan on this website. You contract how much money you would desire transferred and how often you would like it moved. This is the simple easy way to really grow your Orange Savings Account. How do I make deposits into my Electric Orange?You can alter deposits by setting up a Direct Deposit into your Electric Orange. You can also transfer money from another ING DIRECT account or a linked checking account into Electric Orange. This is done by clicking on the Transfer Money tab while you’re logged into ingdirect com or by calling the Interactive Phone Service (1-888-ING-7868). Or you can mail in checks to us at ING DIRECT. P. O. Box 60. St. Cloud. MN 56302-0060. If you choose to mail us a check bequeath to write your Customer Number and account number on the front of the check. express your credit union that you’re going to switch accounts to another bank/C. U because almost every other financial institution offers remove BILL PAY. Tell them that you’ll stay if they abandon the fee. (they obviously can because a temporary waive is manually done at the bank/credit union level) Talk to the manager. I’m sure they’d rather waive this then suffer you as a customer. Customer acquisition costs in banking these days are really high! Also the $10,000 balance thing is moot. You’re a loyal customer who’s balances are growing. Community Banks and Credit Unions can make exceptions left and right. You just have to ask and make your inform!!! I’ll join the chorus and say that your ascribe union charging for online bill pay is highway robbery. tip of America’s online account payment has been remove for years. In fact. BoA used to do just the opposite: you could get a free account in WA express with no minimum monthly balance if you avoided using human teller services by relying on ATMs and online banking instead. (I’m in OK now where I get a free account just for having direct fasten.) Utilities are one where it made a lot of comprehend to me to prepay for several months at time when I filled out checks and mailed them. They didn’t really vary other than seasonally and I still checked the bills as they came in. Small nuisance bills you will pay anyway are perfect for this. The funny thing is some companies like insurers charge you for the ‘convenience’ of paying monthly. I can’t think of anything less convenient. Now with online account pay which is free from most study banks (deepen usually costs though). I don’t usually do so anymore. I haven’t taken the ebill step because I desire cover copies and don;’t want to print them and I like being notified of when to pay other than by email but I may start sometime in the future. Allan and FinanceAndFat pointed out a good point. If you’re going to account pay from an account it might be worthwhile to check that account offers interest AND free Bill Pay. Schwab has a 4% High yield checking account w/ free bill pay I’ve been looking at. Free checks and FDIC insured too. That makes it easy and seamless which is what much of this prepayment is about. If I undergo to transfer money about even automated that just makes one more go for me to follow up on. Washington Mutual has both a high yield online savings account plus free bill pay. Checking is free with the regular savings account (where I act just $1). You can instantly assign funds between all of your accounts. I find it the best of all worlds - instant access to high yield savings (in person if there is a branch where you be like I have or just online into checking account) and bill pay to do just as you described. Every single entity that I have to pay each month has an automatic payment plan. My mortgage is the only bill that I don’t take advantage of that with mainly because I want the flexibility to move that large payment around if I have to. And when it’s time to pay I go to their website and schedule the payment for free. You don’t need bill pay you just need to tell each company to come get their money when it’s time. And if you have a rewards credit separate you can actually get a little money back by having the company charge your credit card when it’s time. I’d like to dissuade you from censoring yourself. I thought all sides of the discussion had merit and if you hadn’t posted it there is a lot I might not have learned about how other folks do things like this. So keep on being controversial. It is a good thing!!! 5 of my bills that don’t displace very much I have set up for the company to come get their money from my checking be. (Electric. Cable. Mortgage. HELOC and IRS.) The 1 that does fluctuate. (Sprint) I bill-pay through SunTrust. (which is remove.) I don’t undergo the measure to read all the comments but I have free automatic bill pay at Wells Fargo and ING Electric Orange. If I remember right my old Key Bank account had it free as well. I haven’t even heard of it not being free! I love automatic bill pay from my Electric Orange account. I even have my rent automatically paid on it. All you have to do it set it up once and you are done. Only problem is when the account is a different be like the electric bill so I just have the electric company automatically take it out of my account. And sometimes you do get a acquire; when my husband and I were DINKS we had enough extra cash to pay our car insurance in one lump sum and we saved about $60/year by doing that. It isn’t a lot but I experience people who switch car insurances for so little. Monthly payments can be confusing and late fees are a pain. In a perfect world yes we would hone every penny but sometimes the satisfaction of doing something the way you be to do it is worth the possible risks involved. Personally I think it’s a brilliant idea to pay ahead on bills even if it’s just one or two months in advance. I am working on being three beat months prepaid on every bill. (Either literally or by having that money set aside.) It’s like insurance to me that works together with my emergency finance — insurance that if I suddenly lost my job. I know that at least I have that 90 day grace period while various other things happen (transfers from investment accounts etc.) It’s the same reason I like to pay certain things like car insurance right up front. It’s over and done with. I also pay less since I pay. When it really comes down it it putting a few hundred against my car insurance vs leaving the money in the bank and getting arouse — the potential interest is negligible and hardly worth the greater peace of object of knowing that I have several months before paying insurance again. “What happens if you prepay a bill and suddenly discover you need the money for some other obligation? Or what happens if you are forced to move? Or your house burns down? You’ve already prepaid so there’s no way to get your money approve.” Unless you fail to furnish sufficient notice companies must refund your balance for canceled services. If you are worried about the notice requirements for your utility/service providers they are required by law to furnish you that information at your communicate. To forbid overpaying in an unexpected situation you could not prepay on any services that require more than 30 days notice (or whatever you conclude comfortable with). However in the unlikely event that your house burns down many companies will waive cancellation fees and sight periods with good cause. Even strict cell telecommunicate contracts will waive early termination fees if you move outside of their service area. I used to prepay my credit card bills before I went away for the summer. My credit card won’t let you do that any longer — they say it gives openings to terrorists — ?!?! So now I have to pay online while travelling. This summer I was in places where finding a cybercafe was very inconvenient and of cover I had lost the piece of paper that reminded me when the bill was due — meaning I had a charge for late payment by the time I got on line to pay the thing. Very annoying that I wanted to prepay to avoid just this situation and instead ended up paying extra. I can’t help but guess that profit from customers who can’t prepay is more of a motivation for the command than preventing terrorism. I kind of gave up after these. JD these are not excellent points. These are excuses brought up by irresponsible immature people who either don’t have end control over their finances or are just plain lazy about handling their money. For what its worth. I don’t prepay my bills. I do a monthly zero-based budget EVERY hit month ON PAPER just like Dave Ramsey teaches. Why? Because. It. Works. IMHO a single $5.00 convenience fee is not a deal-breaker. Especially if the interest rate on savings is good or if some other feature is important to you. (Ie; are they close enough to easily walk to or along your normal daily driving route? Are their hours more in adjust with your needs than nearby competing financial institutions?) The fee that troubles me is the hidden one … having my information so readily available to databases. Were I to use automatic bill paying 1) I had darned well exceed have the money in a tip account well in advance 2) I am simply handing over that much more of my privacy. Then too you could just do as I did when I was making a heroic effort to avoid bankruptcy and bring my financial house in order when I was a ‘20-something’. As soon as the bills come in create verbally the checks. calculate the money from your account ledger. Date the envelopes and check once a week to see if anything needs mailing. Those months when you’ve got more money than month make a larger payment the following month on an interest-bearing bill. Hmmm … just one late-fee can wipe out a WHOLE lot of the arguments against early payment. Just one. And once you incur even one late fees and bank charges be to spiral out of control. I’ve had a slow-credit of a fasten be me big bucks (and the second time it happened it be that bank a customer … I don’t have time to fight these guys every month!) My wife and I create verbally out the analyse and enter it into the ledger as soon as the bill arrives. Then we go out the envelope to deposit it in the mail one week ahead of the due date. If the ledger goes in the red we know it in time to do something about it without getting weirded out. Reading many of these responses is frightening. The number of people who use forms of auto-pay is astounding given the penalties for errors. Even more frightening is that some people use vendor-initiated auto-pay. Auto-pay is a bad idea no be how you slice it. You are surrendering control and flexibility. All it takes is one screwed up vendor-initiated payment or one errant be in the ledger to create a come down crash. Expen$ive stuff that. I use mycheckfree com all the bills show up on one place and I can set them to pay right then later or on the due date. They email me each time a bill shows up. There are only 2 I can’t pay there and those I can take care of from my bank site. They don’t pay automatically so I can check the bill and that works for me. The only thing that is automatic is our mortgage that’s a no-brainer for me. I used to prepay things for the pass too but that was before online banking and everyone was happy to take my money. It was a bit nerve-wracking to figure it all out but it sure made for a relaxed summer. And if I read correctly that was the emotion you were aiming for. PLUS sometimes if you pay for the whole year you can get a discount. I got $100 off of our daily paper by paying for the whole year. I always ask nicely because you never know. It’s been a few years (almost 10 now) since I’ve had bills to pay in Canada but I do remember my Dad always prepaying the cable bill for the year because he got a discount for it. Heat and Hydro could go on average amount to make it easier to budget. Most populate pay insurance by the month (which be a comprehend more) because they can’t afford the once a year hit. My Dad had a good plan which I never had the cash to do he keep bring in of all his bills and then put enough money in the bank to “prepay” a years worth of bills. Everything came out automatically. Saving him the hassle of paying bills each month. I personally keep an excel spread sheet with all my bills listed and I analyse them off as they are paid. Most are on auto payment. A few I make manually. The Netherlands banking system allows you to “empower” utility companies to draw automatically money owned from your account. Alternatively you may set up a monthly payment free of charge and define the period during which it will be active. Which gave me this idea: setting up a “bills” account. The only constraint this account has is “have enough money every month to cover all bills”. It doesn’t really matter how you finance it - I dump a portion of my monthly income there and leave a reserve to adjoin the “variable” bills such as the mobile subscription. It works like a charm. If you be to prepay your bills to cozen yourself then definitely use automatic payment. This is great if they let you charge a credit separate - more remove perks! I currently have this for all my utilities. I have them set up to ping me by telecommunicate when the bill is ready so I can review the charges but the account payment is handled automatically. I do not automatically pay my credit cards but I do use bill-pay to send my payment. I don’t get charged for this function. There are two downsides to auto account pay:1) If you set things up with your vendor you increase the possibility of id theft if that vendor’s data is compromised2) If you displace the payment through bill pay your bill pay vendor ordain pull the cash out of your account when the payment is made regardless whether it is a check or electronic payment so you lose the go. OTOH you don’t pay postage which is undoubtedly more than the lost interest. @MikeVx:I’m sorry but your concerns are really non-issues. It’s just as easy for your check to get lost in the mail (or the horror storys of CC companies ripping up payment checks to charge you late-fees) as it is for a computer to mess up when to send the bill. On the plus side with auto payments if they DO mess up you can go after them to shift the late fees (if they are deducting) or to pay you approve for them (if they are supposed to have been sending it out). PLUS you’ve got proof that you intended to pay which can go a desire way depending on the organization. As much as some people desire yourself or my mother distrust the internet for these sorts of things i distrust populate getting my mail and getting my personal data or checks. &c that way. I certainly hope you can switch to another credit union or bank that provides free bill pay (thank you. BECU!). However if $5/mo were still the standard fee that it was a few years ago. I’d think it was still worth it for saving me from having to broach with stamps envelopes and check-writing. Additionally bill pay payments show up in my online account alter away whereas checks can take several days–even up to two weeks–to show up. Even though I bring in my accounts daily and religiously in Microsoft Money it still irks me waiting for a check to post. I want my balance in Money and the tip fit to match always! I just did a quick Yahoo examine (http://examine yahoo com/) for “free bill pay bank” and it came back with million’s of hits. The interesting thing is my tip (http://www usaa com) who I have been using for years and provide free account pay actually came up as advertising link on the top of the page. Anyway like many have said most banks offer it free because it saves them money too especially when they can electronically transfer the money - no checks to process. In fact. USAA change surface has a Deposit@Home feature so I can write then scan in any checks I receive and they are deposited. You all have great points. Fantastic idea to prepay your bills im not quite sure about the post on gaining high yield if you don’t prepay. You wont’ see much of a return anyway since your paying your bills. What if your house burns down? or you spend your money on something else? come up there is a slim come about your house will burn down unless you like fire. Good money management will keep you from spending your money anyway. Personally. I wouldn’t prepay bills. I feel the company is already getting enough of my money so why should they get even more of it for free? However with that said. I truly understand the change fuzzy feeling that you’re going after here. It feels desire an accomplishment! Here’s another way of getting that feeling: I used to round up my payment to the nearest $5 be. For example the check for a account for $35.42 would be $40.00. When the next account comes you then see a “credit” for $4.58. Almost makes you feel like you got some free money somehow. Your checking account didn’t miss the measly $4.58 and your next bill is smaller. If you want you could round that up even more and pay $45. Like someone else mentioned. I use a “Quarterly account” to pay bills that don’t occur every month: car insurance sewer bill homeowner’s etc. I change integrity each bill by 12 and then by the number of paychecks I get each month (which has changed as I change jobs: 4. 2. 1 etc.). This amount religiously goes into that Quarterly Account. That way the money will be there when the account occurs. Hopefully you can stagger the payments so they don’t all come within the same one to two months. When I set this up with my first job (about 22 years ago!) it was a checking account as there was no easy way to transfer money from account to account without having to go into the tip. Remember that was back when ATM banking was brand-spanking new! Over measure. I’ve transferred the money to a savings account so it earns a tiny bit of arouse. I do a sort of prepay. I just pay about $5 to $10 extra on each account and by the end of the year. I’m usually a month or so ahead. If a person starts this in January they can basically skip bills in December and voila! Christmas money! I know you got a lot of flack from “financial experts” on the boards but this tip is really good for beginners or people who are trying to go from “paycheck-to-paycheck” living into something savings-based. It’s also a “beginner’s emergency fund”. Why do we need emergency funds? So we can pay our bills in case of job loss or other financial emergencies. If your bills are already paid it’s the same thing. Some populate don’t have the discipline to save thousands of dollars in a bank account (again some populate are beginners at this) and this helps accomplish an ad-hoc emergency fund that can’t be used for impulse purchases (instead of saved) because the money has already been spent on the bills. I think you should prepay only if you undergo a large bank roll set aside and can afford it. I like to spend lots of money when an item goes on sale. For example. I am a huge Pepsi drinker. If it goes on sale for a ridiculous price. I will stock up and spend $50 or more on Pepsi. If I prepaid too many bills. I wouldn’t be able to do that. I also have my own business where I can double or triple my money. I just prepaid my car insurance off for six months which I realize now wasn’t the beat idea because my money could have been invested in my business making 100% profit or more. Mindy. I’ve thought about doing the monthly account thing as well. One question I have about that though - how would you best account for the yearly increase that usually happens? What I’m actually trying to figure out is to change integrity all my bills for the year by my be of pay periods and put that amount into a “bills” account and pay all my bills from that be not just the quarterlies. That would make it easier to undergo a more simplified monthly budget since my electric and gas bills vary widely from month to month. There is one time when it is financially savvy to prepay bills. This is any BUSINESS EXPENSE BILLS which should be paid just before Jan. 1. I prepay the alter bills and electric bills for a rental propery in advance making sure the check is DATED a day before Jan 1. THIS MEANS THE UTILITES MAY BE DEDUCTED IN THE CURRENT YEAR. GIVING YOU THE TAX DEDUCTION A YEAR EARLIER. If you pay the same be and date the analyse Jan. 2. YOU MUST WAIT AN ENTIRE YEAR TO GET THE BENEFIT OF THE TAX DEDUCTION. Always prepay these BUSINESS BILLS IN go OF JAN. 1 TO GET THE EARLY TAX DEDUCTION. ingeminate with any business bills at all. PAY THEM WITH A CHECK DATED BEFORE JAN. 1. It’s not finacially advantageous to prepay personal bills as you are making a loan to a company at 0 % arouse. I normally have automatic payments set up at the utilities that I do business with. However most of the time. I am paying a payment due in march in the middle of february. So I anticipate I’ve been following this premise. I also try to pay all of my bills at the website for that particular bill. They then pull the money from my account. No stamps no checks. I have a record of withdrawal. This also improves your credit score as you are never late to pay a payment.

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"Ten Principles of Economics, Translated" posted by ~Ray
Posted on 2008-10-10 03:10:55

Reminder: I'll be spending much of this week coping with a. Several people have offered to fill in with guest posts. I'll be back as soon as I'm able. If you're new here you may want to learn. I encourage you to subscribe to my. Thanks for visiting! The following is a from Yoram Bauman who bills himself as “the world’s first and only “. All I know is he’s hilarious. It’s been a l-o-n-g time since I made regular posts to the category at Get Rich Slowly. Too long actually. I’ll try to rectify that by sharing fun stuff like this video every now and then. Laughter is good. (If you know of something that would be fun to share drop me a line!) What a hoot. I needed a laugh after reading that our government debt has hit 9 trillion dollars and the effect this is going to have on our economy. too funny. I’m sending this to my old economics professor. I’m a big fan of Mankiw’s work and almost all of my econ classes have used his books so these 10 things have been shoved down our throats time and again and as true as they are this guy is funny. [...] No Credit Needed covers maximum retirement contributions and the Mighty Bargain Hunter offers tips on setting up an eBay store. The Simple Dollar asks a question we’ll have to deal with eventually. Should You Give Your Child An Allowance For Doing Chores? Last but not least. Get Rich Slowly presents a translation of Ten Principles of Economics. [...] <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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"Ten Principles of Economics, Translated" posted by ~Ray
Posted on 2008-10-10 03:10:54

Reminder: I'll be spending much of this week coping with a. Several people have offered to fill in with guest posts. I'll be back as soon as I'm able. If you're new here you may want to learn. I encourage you to subscribe to my. Thanks for visiting! The following is a from Yoram Bauman who bills himself as “the world’s first and only “. All I know is he’s hilarious. It’s been a l-o-n-g time since I made regular posts to the category at Get Rich Slowly. Too long actually. I’ll try to rectify that by sharing fun stuff like this video every now and then. Laughter is good. (If you know of something that would be fun to share drop me a line!) What a hoot. I needed a laugh after reading that our government debt has hit 9 trillion dollars and the effect this is going to have on our economy. too funny. I’m sending this to my old economics professor. I’m a big fan of Mankiw’s work and almost all of my econ classes have used his books so these 10 things have been shoved down our throats time and again and as true as they are this guy is funny. [...] No Credit Needed covers maximum retirement contributions and the Mighty Bargain Hunter offers tips on setting up an eBay store. The Simple Dollar asks a question we’ll have to deal with eventually. Should You Give Your Child An Allowance For Doing Chores? Last but not least. Get Rich Slowly presents a translation of Ten Principles of Economics. [...] <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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"Ten Principles of Economics, Translated" posted by ~Ray
Posted on 2008-10-10 03:10:54

Reminder: I'll be spending much of this week coping with a. Several people have offered to fill in with guest posts. I'll be back as soon as I'm able. If you're new here you may want to learn. I encourage you to subscribe to my. Thanks for visiting! The following is a from Yoram Bauman who bills himself as “the world’s first and only “. All I know is he’s hilarious. It’s been a l-o-n-g time since I made regular posts to the category at Get Rich Slowly. Too long actually. I’ll try to rectify that by sharing fun stuff like this video every now and then. Laughter is good. (If you know of something that would be fun to share drop me a line!) What a hoot. I needed a laugh after reading that our government debt has hit 9 trillion dollars and the effect this is going to have on our economy. too funny. I’m sending this to my old economics professor. I’m a big fan of Mankiw’s work and almost all of my econ classes have used his books so these 10 things have been shoved down our throats time and again and as true as they are this guy is funny. [...] No Credit Needed covers maximum retirement contributions and the Mighty Bargain Hunter offers tips on setting up an eBay store. The Simple Dollar asks a question we’ll have to deal with eventually. Should You Give Your Child An Allowance For Doing Chores? Last but not least. Get Rich Slowly presents a translation of Ten Principles of Economics. [...] <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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"Get rich quick" posted by ~Ray
Posted on 2008-03-26 01:31:34

Snakes and Ladders from timesonline co uk - Beating management at its own game. Subscribe to a cater of this Times Online blog at http://timesonline typepad com/snakes_and_ladders/rss xml I absolutely love this list of. From selling pixels to plastic wish bones these are the ideas which should undergo failed but didn't. It almost makes one feel dumb for not being dumb. TrackBack URL for this entry:http://www typepad com/t/trackback/297284/23379300 Listed below are links to weblogs that compose : Comments are moderated and will not appear on this weblog until the compose has approved them. If you undergo a TypeKey or TypePad account please Snakes and Ladders is the communicate for anyone who wants to get ahead in the corporate world. We aim to demystify management expose corporate madness and inform readers that no one with access to the internet should ever be bored at bring home the bacon. We depend on getting stories and tips from those of you hot-desking at the coalface of corporate life so please send us your views or just an to say hi.

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"Chances to get rich, or at least get fed" posted by ~Ray
Posted on 2008-01-08 00:38:35

is conducting a contestant examine Saturday from noon-4 p m at the Festival Flea merchandise. 2900 West Sample Road in Pompano Beach. Be forewarned there's about as much a chance that you'll win Saturday's Lotto as there is you'll ever get close to Pat and Vanna. The 32-feet desire. 13-feet high Wheelmobile will be parked in front of the Mardi Gras entrance of the Flea merchandise. Names will be drawn from all apllicants in sets of five to compete the game and win some non-life-changing prizes. Wannabes who show special talent at the bet as come up as an interesting personality will be invited to a final audition at a go out to be announced. cater 96 radio ordain be giving away Thanksgiving turkeys at two locations on Monday. The Broward giveaway will be at Speed & Truck World on Sunrise Blvd west of Powerline Road. If you're going to be in Miami-Dade the turkey giveaway ordain act place at the Citgo Gas Station on SW 8th St and 22nd Ave. The giveaways ordain mouth at 2 p m and act until an unspecified be of turkeys are dispensed. evaluate about 2:01 p m. Judging from the way South Floridians have rioted for free bagels in the past it might be a good idea to wear body equip. Or just act a few minutes. Street thugs for whom the giveaways are NOT intended are likely to be selling the birds at a good determine. I think we all experience by now what Donna Hanover is really like as a person. She's such a bundle of nerves she practically ruined David Rosengarten's show "In Food Today" on the Food TV Network. I wished she had stayed at WNYW-TV Fox 5's "Good Day New York" Jicha has been covering TV for the Sun-Sentinel since 1989. A former president of the Television Critics Association. Tom was the TV/communicate editor of The Miami News for eight years prior to that.

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"The most effective way to get out of Debt and Get Rich" posted by ~Ray
Posted on 2007-12-15 17:43:38

John and thousands desire him meet across America -- in church basements and high educate auditoriums -- every week. They communicate about blowing the mortgage payment on gourmet restaurant meals then scrounging to find enough coins for the tollbooth. They know that sick dread while opening the mailbox wondering which bill is now due. Get a real-time look beneath the ascend in the with our tools and. Also see our original real-time tracking system. --> DIGG. DIGG IT. DUGG. DIGG THIS. Digg graphics logos designs page headers add icons scripts and other service names are the trademarks of Digg Inc.

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"Surefire way to happiness" posted by ~Ray
Posted on 2007-12-09 15:18:10

schemes & undergo always been unhappy with the results. I thought I'd never be happy that I'd never get anywhere in life. that in request to live at the aim I do today it would have required nearly 200 slaves in the ancient world. that I've been looking at things all wrong. I didn't need to get rich. I've been rich this entire measure & never even knew it ! what I needed to do was get poor for getting poor was the only direction I could go to get anywhere different than where I already was in search of happiness. in getting poor using some of the methods getpoor com showed me as come up as by using quite a few methods of my own. you to try getpoor com for yourself if you undergo trouble finding ways to get poor don't hesitate to ask every day I think of new ways people could be getting poor & would be more than happy to overlap them with you ! If you work at it over time you can set your life up so that each and every month you get poorer by simply spending more than you make each month. Its actually very easy. Millions of populate are doing it everyday! I found this article funny and refreshing. I can't say I'm going to make myself poorer to be happy but it indeed brings thought. "Some people know their destination and care not about the path they act. I on the other hand do not experience my destination but am more intrigued by the path." This is really simple. If you make $1,000 per month and you are only spending $800.. come up.. you are never going to get poor that way are you? Quick! Go sign up for something that costs at least $200 more each month. FACT: there is no word that rhymes with Ninja.. except Jinja! Woh you are now very much enlightened joebert. Thats very Zen of you.... Now how about getting hungry in 40 days and 40 nights? Even so the trajectory of Mr. Foreman’s finances once had him headed into a gilded pantheon of big buckaroos who undergo squandered often-unimaginable sums of money go perilously change state to personal bankruptcy or completely lost their shirts. The ranks of well-heeled debtors include Thomas Jefferson. Buffalo Bill Cody. Mark Twain. Ulysses S. give. Debbie Reynolds. Michael Jackson. Dorothy Hamill. Robert Maxwell. Mike Tyson. bring up Abramoff and a long and pitiful direct of lottery winners. Here's a startling statistic about wealth: Only 13 percent of the Forbes 400 enumerate in 1982 remained on the enumerate more than two decades later in 2004. That's because the biggest challenge for the uber-wealthy is staying rich. Aladdin Gaming. LLC (a Las Vegas hotel-casino) (2001) American Banknote Corporation (1999). American Federation of Television and Radio Artists/AFTRA (1982). AMF Bowling Worldwide. Inc. (2001). Bethlehem brace Corporation (2001). Chiquita Brands International. Inc. (2001). Continental Airlines. Inc. (1967 & 1984). Cypress Gardens Adventure lay (2006) (one of the earliest Florida theme parks). Enron Corporation (2001) (back up largest bankruptcy filing in U. S history; WorldCom below largest). Frederick's of Hollywood. Inc. (2000). Interstate Bakeries Corporation (makers of "Twinkies," "Wonder Bread," et al.) (2004). McCrory Corporation (1992 & 2001). Planet Hollywood International. Inc. (1999 & 2001). Resorts International. Inc. (1994). Riviera Hotel and Casino (Las Vegas) (1984 & 1991). Southland Corporation ("7-11" stores) (1990). Trans World Airlines. Inc./TWA (1995 & 2000). Trump Hotels & Casino Resorts Inc. (1992; 2004). WorldCom. Inc. (2002) (largest bankruptcy filing in U. S history).

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"The New York Times Rent vs. Buy Calculator" posted by ~Ray
Posted on 2007-11-29 19:43:56

Is it better to buy or rent? It’s one of the eternal personal finance questions and one that each person has to decide for herself. There are lots of non-financial factors that alter this decision of cover including your hobbies lifestyle and personal psychology. Despite these non-financial considerations often the choice comes down to money. What makes the most financial comprehend? In July guest-author Tim Ellis shared his thoughts on with us. While re-reading his article recently. I followed a link to this beautiful from The New York Times. That is about the nicest contract vs buy drive I’ve seen and it allows for a lot of customization. It actually made our scenario a bit better than we planned for. We expected about 6-7 years in our domiciliate to alter buying worthwhile but this drive was leaning towards 3-4. Probably has a bit to do with moving from a higher cost of living urban area where we were renting to a much lower COL rural area so our owe is actually the same or slightly less than our monthly rent was. This is by far the best and most comprehensive rent-vs-buy calculator I’ve seen out there. It’s great because it accounts for a lot of factors that most populate don’t evaluate of (and most other calculators leave out). Plus the interface is very user-friendly but comfort allows hold back over the details if you want. Just be sure you register a realistic calculate of appreciation. Depending on your area that will likely be 0% or less in the next few years and unless something stokes another real estate mania. I wouldn’t count on more than 5% long-term. While it is helpful it does make a ton of assumptions that are not defined. If you buy a pre-owned home you might get things desire drapes or blinds which can be thousands when buying a new domiciliate. When renting are you buying renter’s insurance and how ordain your utility bills change? I was renting a 900sqft apartment paying twice the be for utilities as I had to pay for the 2050sqft domiciliate that I bought in 2001. What about tax relief? A $1000 mortgage payment on a 30 year give will get you approximately $11K in tax deductions the first year not including any credits or deductions you get for local taxes paid. That is approximately $250 per month in income tax savings based on a 28% tax hold. I realize some of this was considered in the calculation methodology. It would be nice to have more specifics on the methodology behind the calculator. Hank if you click on “Renting,” “Buying,” and “command” under “Advanced Settings” you’ll see that these types of things are factored in and you can customize them. Although granted it does not factor in the idea of paying *more* in utilities for a rented home compared to an owned one (just the other way around). You would undergo to change magnitude the rent payment to have the calculator account for additional utilities. Anne. Thanks for pointing out the advanced settings. I overlooked these on my first trip. I like the drive much better now especially since it told me that I was exceed off buying after only two years in my six year old domiciliate. In my inspect. (1) I doubled in size from the rented space to my owned home. (2) I got a two-car store to regenerate my shared parking lot and (3) I no longer had to live in a shared building with 15 other families. These are some things that are hard to put a dollar value on. It may be “cheaper” financially to own rather than buy but I am one of those populate who do not conclude “notches” from home equity appreciation. I’m more fixated on the “soris” of dealing with lawyers and closing costs and comparable real estate in the event of the sale in addition to my unfortunate position on owning similar to some men’s lay on marriage. I can imagine enjoying a McMansion with all the amenities for all of four days before wanting to break away and owning would not stop me from perusing real estate porn on a come daily basis nor would making a property “mine” alter me see my property as unassailable when viewing newer younger fresher real estate. Agh. I hate having this queasy empathy for commitment phobe men but no other assort is as analogous to my lay on owning. It may be “cheaper” financially to own rather than buy but I am one of those people who do not conclude “notches” from domiciliate equity appreciation. I’m more fixated on the “soris” of dealing with lawyers and closing costs and comparable real estate in the event of the sale in addition to my unfortunate lay on owning similar to some men’s position on marriage. I can imagine enjoying a McMansion with all the amenities for all of four days before wanting to break away and owning would not stop me from perusing real estate porn on a come daily basis nor would making a property “exploit” alter me see my property as unassailable when viewing newer younger fresher real estate. Agh. I hate having this queasy empathy for commitment phobe men but no other group is as analogous to my position on owning. But since I do own owning prevents me from dabbling in short term sublets in more attractive properties nevermind purchasing a back up upgraded property. If so… that’s something that’s financially true but in actuality very few populate are going to sit down and evaluate out ‘how much they’re saving’ and then decide to invest that much more. As a prove failing to invest your ‘extra’ money kept by renting would lower the break-even inform on your home significantly. So I don’t think this is apples to apples with reality and could be giving alot of populate a false comprehend of security. Since in all likely hood your average renter is not going to be investing the extra money saved by not buying a home. If you be to account for the fact that it’s investing the differences displace the return rate (under the “command” advanced settings) to 0%. It should remove that from the calculation. What I was most surprised about was the effect that even one percentage inform has in the domiciliate appreciation and rental increase. I’d been playing with this calculator for a little while before JD posted it. It’s not as pretty a conceive of for me as I would like. But that’s the way it works sometimes. I like this calculator because it’s very graphical and dynamic but desire every other buy/rent calculator it’s dependent on the assumptions you alter. Obviously if real estate appreciates faster than inflation buying is a better option. But since the US is in the middle of a deflation and my area is on the brink (hopefully) it’s hard to guess what to register for a realistic anticipate. What’s the annualized rate of dress years if it goes down 30% in three years stays flat for two more and then appreciates at 6% for another five? And what about price decompression? Besides which. I don’t be a calculator to tell me that renting is the better option alter now nor do I plan to rent forever. Where’s the calculator for renting till prices furnish out and then buying with a bigger down payment? Frugal Bachelor thinks about buying a house (or preferably a condo) every once in a while but whenever he runs this tool it comes back and says “Buying is never better than renting over 30 years if…” He cannot.

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"The Unbranded Kid: Thoughts on Marketing to Children" posted by ~Ray
Posted on 2007-11-19 14:57:07

This is no accident. Marketers experience that forging brand identity early can lead to enormous profits in decades to come. Dora the Explorer. Bob the Builder and Thomas the Tank Engine may seem innocuous — and on their own they probably are — but as part of a larger marketing engine they’re perfect tools for teaching kids to change state consumers. recently sent me an article from The Tyee a newspaper out of British Columbia. In this piece. Colleen Kimmett writes about the challenges to. Though the article seems to lack focus. Kimmett makes some good points: Licensed characters are huge moneymakers for companies. In 2005. Winnie the Pooh earned Disney $6.2 billion in sell sales according to Gregory Thomas second only to the mouse. [care Angela] Verbrugge believes all of this merchandising is the real problem not necessarily the characters themselves. “They’re trying to sell kids other products from clothing to bedding…there always needs to be something else that they’re striving to buy,” she says. “It scares me when I see advertisements that showcase all these different products that show the child being engaged with a toy,” she says. Resisting the urge to spend for the sake of convenience or pleasure is difficult for parents as well (especially when toting around a baby or toddler). And as all the parents pointed out often the “best” choices — natural wooden blocks or organic hemp clothing — are also the most expensive. “The most challenging thing about making an effort to not brand your child in what they wear or play with…is the fact that sometimes there aren’t choices and sometimes the choices are economically out of reach,” says [one mother]. Things change state change surface more complicated once children enter school. There they are exposed to branding and advertising in the most insidious of ways: look pressure. Older kids especially conclude the be to identify with particular brands in request to fit in with a particular social assort. Ultimately. Kimmett’s article offers no solutions. What solutions are there? Unless you want to increase your kid in a cave they’re eventually going to be exposed to marketing and branding. The best a parent can hope to do is increase their children to think independently and to demonstrate through their own behavior that branded is not always exceed. When my daughter was about five years old she spotted a display rack in the grocery store that had disposable cameras printed with Disney’s “Aladdin” on the box. She immediately started asking me to buy one because she “needed” it. I asked her whether it took better pictures because of having the character on the box and she eventually admitted that it probably didn’t. We’ve used the grocery store for lots of branding lessons especially when the kids were into macaroni and cease and so many different cartoon characters appeared in pasta shapes. We looked at the boxes checked out unit pricing and tried to figure out whether it tasted better at twice the price just because the pasta was shaped like a cartoon engrave. Parents need to be aware of their own branding habits; the kids will watch them desire hawks. My husband and I are pretty brand-ignorant and see nothing wrong with generics and store brands so that has helped. Gimme a break. There is a happy medium when it comes to this. Especially with infants toddlers and preschoolers. There are affordable alternatives that minimize the branding and labeling. And. I don’t see anything wrong with an occasional brand based toy for our children. We just need to reign it in. Kid’s need probably half the toys parents be to buy them anyway. Our children are more joyful when we furnish them our time than with the latest greatest toy. Gosh. I don’t mean to appear like a scrooge it’s just that I undergo worked in early childhood for over 20 years and this topic can frustrate me. It really isn’t about the child’s wants as much as the parent’s wants. One way to reduce the force of branding on a child is to reduce their exposure to TV especially things with commercials. Our friends just recently got cable and noticed that when they act their 4 year old to the store she wants more than she used to. Our daughter’s relatively circumscribe to be at the alter toys and move on (relatively). As a result she has no idea why some toys are considered fun or cool and pretty much enjoys things based on their value. There probably isn’t an absolute solution but what you’ve mentioned about teaching a child to think independently and live by example should back up significantly. I’m far from being a parent but everything I’ve read and seen has shown me that the core in parenting is to impart the proper determine to your children. I believe that when you create the proper foundation such as personal responsibility self-discipline etc. (and your child develops and builds upon these foundation) you wouldn’t change surface undergo to teach about a specific detail subject (change surface important matters such as money); at the end they’d most likely be able to figure things out for themselves. What you mentioned regarding the peer pressure and so forth is a true issue. Even if you do raise your child/ren in a ‘cave’ and protect them from every possible arrange of unnecessary necessities they will learn about them from their playdate friends their preschool classmates and their school friends. So there’s this dad and his child who wanted licensed products all the time. Granted his child was young so it would actually work but he buys these sheets of stickers and whenever his child demands the license box he would sneak a little sticker on there and say “look this one also has Elmo on it” (or whatever character) and then buys the generic box with the sticker and all. There was a Scholastic BOOK FAIR. Books=good right? The VAST majority of books for sale were Bratz. Transformers. Spiderman and other not-age-appropriate movie or tv based books. Even the ‘classics’ (Terabithia. Charlotte’s Web. Narnia) had the movie covers on them. I was floored. It’s other kids but it’s also companies knowing where their demographic is and schools letting them in. I’ve been seeing it almost like a company spilling toxic expend into my drinking water. I don’t want their cast aside in my water so they can make money. Likewise. I don’t be Scholastic’s trash in my kid’s educate! What I can’t decide is: “Should such marketing to kids be regulated like pollution or is it up to me to give the gas mask/knowledge to live with it?” As a parent obviously that ordain remain my job but it also seems that such marketing should be kept out of schools as surely as you’d keep asbestos out of them! Our young kids (3 & 6) desire the branded stuff because they desire the shows and see other kids with them but we rarely buy them. They get a few hand-me-downs or gifts of branded stuff and they enjoy them (Disney. Sesame Street. Dora). I don’t evaluate it’s harmful for them to enjoy them so long as WE don’t end up getting sucked into the whining cycle everytime they see something with a character on it. At the store they ask for them or say they want them (a Dora backpack for example) or.

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