Payday Loans and Cash Advance Stores
enjoyingspring
9 years ago
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juellie1962
9 years agoangelaid
9 years agoRelated Discussions
28 Tips To Save Money
Comments (5)On #s 15 & 16, I think it's important to point out that often the alternative to refi and the like is simply pay down the principle! Especially if you're early in the mortgage, every nickel you pay toward the principle means the balance of the loan's interest on that nickel goes into your pocket. Ol' Joyful, I'll need some of your expertise here, but could you figure a rough calculation of an average type house loan, average refi costs applied to the current loan and how that would compare in the end? I think it'd be interesting. Also, said before, but often people think they "need" a new car and don't consider if they put some money into the old one, it'd save in the long run. Remember, new cars have higher insurance and license costs so there's more than the initial price to consider. I would take a bit of issue too with the convenience store avoidance. You could actually save money if wise. Often, convenience stores sell eggs, milk, bread etc at very low prices, often far less than the markets. Plus it's not a special trip, saves time plus there can be (tho not guaranteed - it's up to you) fewer impulse buys. The longer you're in the grocery store, stats say you'll spend more. Again, it's how savvy you are, but be careful. #18 (Shudder) Buyer's Brokers are seldom a good thing. Let's face facts, no real estate agent/realtor or the like works FOR the buyer! Who pays them? The seller. How do they get paid more? By "benefitting" the seller. There's no way the buyer benefits from realtors. The fewer the better in most cases. Why? Because you can often negotiate the realtor fees. If you have one realtor taking the entire commission, it's far easier to negotiate them down than to negotiate with multiple agents and try to negotiate down when they're getting 1/4 or less of the commission. Beware of this statement and check into these claims. You're far better off to have a good real estate attorney on your side. S/He'll be working for YOUR benefit. Mine found problems in the paperwork and embarrassed the daylights out of the stack of realtors, closers and the like at my closing! It was hilarious! Now as for the inspector, yes, that can be worthwhile, but don't use one recommended by the realtor (kickbacks) and make sure you know what they're inspecting, their qualifications and the like. A good alternative can be a trusted friend with qualifications. Hire like any professional. Realize, though, that the inspectors DO NOT GUARANTEE the house! So if they overlook something, it's not their fault or responsibility and they won't be doing anything for you so know what you're getting. A title examination, especially of abstract properties, can be very important especially if you don't know how to read an abstract. Torrens is less problematic. Buying a home brings up a pandora's box of potential problems and far too many to go into here, but there's some things to be careful of. #21 Consumer Reports is a pet peeve of mine. They're often very biased in their reporting. Plus, keep in mind that they do not "test" ALL models and versions, even of similar products! Do you realize that the washer you buy at Home Depot is different than the one you buy at Best Buy and they're both different than the one you buy from a mom-n-pop dealer? That can have significant differences in the specs and needs. One can have cycles and features the other doesn't. Don't get caught up in the CR myth. Read their magazine with a shaker full of salt and do far more research than CR. You'll be doing yourself a favor. That's enough for now. There's more opinions coming, I'm sure! :) Happy saving all! Enjoy the frugal season!...See MoreOverwhelmed/Meltdown/Bad Choices--Please Help me make it all work
Comments (22)Oh Dearest Buehl ! You did it again and I am soooo grateful! Using your advise on one of the posts about missing posts, I used the "site:ths.gardenweb.com" along with the word "Overwhelmed" and my post popped up first on Google's page! I promise! I promise that one day, maybe not in the near future, but one day..... I am going to be able to come here and offer advise, opinion or just an atta boy to someone else who is overwhelmed in the middle of a kitchen redo, just like I've been helped with such wonderful words from all of you! Shelayne, Bless your heart...Thank you, sincerely....Thank You! LasCaTx, Thank you! I'm so glad you said that.....that you don't think it's as dark as you were picturing it. Me either! And bruuuther, is that a load off my mind, at least for right now. :) To read what happened to you, I got shivers...like it was happening to me all over again! Wonder if that's considered "Post Traumatic Stress Syndrome"? Not making light of PTSS in ANY way but when I read here of others having similar problems I actually feel myself tighten up, like I did when I read your story too. You said "Only an insurance company would consider ripping out walls and slab foundations to find leaking pipes you couldn't know were there to be regular maintenance" OMG, We've said something similar so many times since this happened! Regular maintenance means you can access it rather easily or at least with not too much labor/expense, to check on it, maybe once a year, once every two years. Were we supposed to jack-hammer into our foundation on a regular basis to make sure our pipes were still pristine and not rusting out? LOL Or, as my hubby is now very fond of saying when he gets on his soapbox about our insurance company : "That F*&%^* company will step over a dollar to pick up a dime!" The insurance company could have reimbursed us for the plumber and the work from the beginning and saved almost three more weeks of the water continuing to leak, causing more damage. It was during that almost three weeks that the mold and mildew started to form. It's the mold/mildew remediation company the HO insurance HAD to end up paying for.....The remediation of all the mold, mildew, asbestos, air quality testing, fans, humidifiers, special disinfecting agents, saws and other woodworking tools to remove studs in the walls that were too far damaged and specialized dumping of mold/mildew/asbestos containment bags........ to perform all that work for almost a month.....I saw the bill: Almost $9000. As grandkidlet would say "duh!" Oh, our HO insurance also paid for the cameras, the sensors, the specialized laser/computer gadgets to find the leak......for three different companies to come out and find said leak. Leak could not be located. They could say positively there was water under the foundation but they couldn't locate the area it was coming from. Not that I'm happy, IN NO WAY am I happy to hear your story or the previous stories of it happening to others. But reading them lets me know there ARE people out there that will understand when I have these little mini-meltdowns. They've been there, the frustration of living like this, the frustration of dealing with all these different companies.....wouldn't wish this on my worst enemy. Oh KitchenAddict, You are sooo right! It DID Calm me and I was able to get so much done this weekend and I can actually see a light at the end of the tunnel because everyone here, by posting, pitched in and helped me change my perspective, my priorities....and that's what I needed most. I walked through the kitchen a hundred times since Friday night (ok, maybe not 100 times but it felt like it as that is the main back door to get to the tools) and by Saturday late afternoon I didn't even give the color a second thought...it's as if it had been there the whole time. Not nearly as shocking as the blotches of testing we did on the wall that had me looking like a very confused parakeet. *blink blink* And to add a plus to a plus, we had almost 2 full gallons left of my favorite paint of all time...my go-to paint when it comes to ceilings, trim, porch furniture, etc..... Pony Tail in a semi. So what the heck, we tried it on the ceiling of the kitchen and I'm in love! Most folks think the chip of the Pony Tail paint makes it look really dark but when we used it on our bedroom/bathroom trim, everyone thought we had used an off-white/Navajo white. The Pony Tail on the ceiling of the kitchen actually 'calmed' the whole room down if you can understand what I'm trying to say. So we are going ahead with it and using it on the underside of the bulkhead over the pass-through, on the lowered ceiling of the eat-in area of the kitchen and of course, the ceiling. You know, you are so right...now that I think about it. You said the color is versatile. I was sitting here thinking of some of my decor from the damaged kitchen and I'm thinking that almost everything I had in there...decorative platters, little framed art, etc. can go in this kitchen with this color. This color could almost be considered a neutral...if one likes bold neutrals, that is. lol Neighbors? Ooohhhh noooooo, not even close....I've seen your magnificent kitchen. I'm what they call 'on the other side of the tracks'. lol I'm in the neighborhood of the 1065 sq. ft. 56 year old tract homes, every fourth house has the same 3 bedroom/ 1 bathroom floor plan ('cept ours cuz 35 years ago the previous home owners added on a large back bedroom/bathroom/small family room), making ours a whopping 1450 sq. ft. There are two types of folk in my neighborhood....those that hit the floor when they hear a loud bang or those that run outside to see what's going on cuz they're nosy. *smile* So even if I won the lottery, in this neighborhood there is no way I would bother adding beautiful granite or soapstone, or marble, or a high-ticket range, or...well, you get the picture. It's the old "can't make a silk purse from a sow's ear" situation. But reading your posts for the last year or so, I sure would find it a wonderful day to sit across from you having a cuppa....but we'd do it at your house, k? *smile* Oh Julie, Words work miracles....thank you so much for yours. And for the hug! As I'm copying these latest responses I'm going to highlight in bold, so that I can see it right away when I glance over......"I am AMAZING and have done an INCREDIBLE job!".....My new mantra! *smile* BoxerPups, Always had a special place in my heart for Boxers. My first pup ever was a boxer...named him SkuttleButt. Cyber Magic....Love that! LOL But can you imagine? I was at one of my lowest points in, well, I can't remember when I felt so low. That was just last week. And here it is, Sunday night, paint is on the walls, the ceiling, all I have to get done tomorrow is all the little cutting in of the over-spray from the spray gun. Any other touch-up of the paint, like others have said on this topic, can get done after we have a somewhat working kitchen. If time allows I'll continue scrubbing the slate tiles tomorrow. That stuff is really dirty coming out of the box! I've got 110 down, 70 to go. My arms feel like lead weights tonight but it's such a good feeling to have accomplished so much! A tip: Never place drying slate tiles, 20 high, stacked on an old wood outdoor Adirondack chair. (wasn't purdy. don't ask. lol) Did some looking tonight on the computer for a decent price for a combo Slate Enhancer/Sealer. Talk about sticker-shock...ouchie! From the reviews I've read of several enhancer/sealers, I think I'm going to go with the Aqua Mix Enrich N Seal....unless of course someone has rave reviews of another brand? OMG, look what I've gone and done....I've created a mini-novel here! My apologies. But wanted to make sure the latest responses got acknowledged and to let you all know what a great, productive weekend we had, all thanks to you! Ceiling paint: Left under bulkhead: Dove White. Right: Pony Tail Washed Slate Tile:...See MoreDon't we get some just oh-so-marvellous letters occasionally?
Comments (7)Hi Jannie, That $5,000. is about double the price that I usually plan to pay for an experienced vehicle, which I pay for in cash. What do you think the possibility might be that they'd give me a couple of cars for that cheque? I assume that it was to put toward the purchase of new one. I last bought a "new" car (last year's model, that had been stored till the following spring) 33 years ago last spring. In earlier times, when new (domestic nameplate) cars were selling at less discounted prices, I've sometimes suggested that when someone buys a new car, it's as though they had placed 50 $100 bills on the empty passenger seat beside them, with the window open, and that en route home they all flew out of the window. Good wishes for increasingly shrewd use of your income ... and assets - getting them to work harder for you than for the other guys. ole joyful...See MoreCash?
Comments (32)We have a well known chain of appliance stores (quite legit) which offers substantial discounts for cash. We generally buy any appliances/white goods there, they accept debit cards as cash so no need to carry large amounts of cash with us. A lot of smaller stores here are cash only and I always have cash on me so no problem. Most places have a $10 minimum for card purchases to cut down on bank charges and telephone fees. Unless you have a mortgage or large bank account, banks here generally only allow so many free debit card transactions per month, after that there's a fee for every swipe. If we didn't still have a mortgage I'd be using my debit card even less and cash even more....See Morebob_cville
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