Tip percentage for carry out delivery
9 years ago
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Tips for riding out a recession?
Comments (47)For my major assets, I want solid, strong, dividend-paying companies (except for Berkshire Hathaway), as they usually drop much less than the more volatile ones in tough times. Those are my long-term, dependable things - the ones that I want to be around when reirement comes knocking at my door ... especially if my health is such, or stress in the workplace such, that I welcome retirement. I play the risky games with a small percentage of my total asset - I have held telecoms, but very little of the ones involved with the high-tech bubble that burst, splattering bubble gum over many folks' faces, a few years ago. Not wise to put major money into such volatile things, especially when they've been growing like crazy for a while. With my core things, I just buy 'em and leave them sit. Perhaps I could be making slightly more return on the 8% or so of investable money that I'm carrying in bank accounts, money market, etc. But I'm not too worried, as I don't expect to have it there very long .. and the difference in after-tax return would be more or less peanuts. And, especially in the Canadian context, I don't like earning interest. Interest is taxed, here, at top rate - much higher than that on dividends on Canadian stocks. Interest earned means that, while the principal can't shrink, it can't grow, either. That requires that I take a good portion of the remaining after-tax interest, to add to principal in order to keep purchasing power intact. I prefer to buy a good stock, let it grow, over time, and see the dividend payout increase as the price of the stock does. That looks like double-barrelled gain, to me. Being taxed at low rate on much of the dividend income is gravy, to me. And not needing to be taxed on the growth in value of the stocks until I liquidate, a tax deferral, suits me just fine. It is more or less equivalent to, or similar to, a tax-deferred retirement account ... but when I liquidate (my choice) I get some freebies, which don't happen with the retirement account. Then, when I sell them, getting half of the gain free of any income tax suits me just fine, as well. Do I worry much about fluctuations in the market? No. Sir John Templeton, and various other money managers, planned to stay fully invested, all of the time. Actually, I think that is wiser. Then, as markets drop substantially, borrow some and buy more, cheap. As the price rises, use some of the savings that you'd been collecting to buy more, later, to pay down the loan. And I've been following (but, so far, only partially investing in), a system that takes a couple of hours a year to manage and whose Canadian component has grown at about 14% over 20 years, something over 20% better than its underlying average. I don't know the rate of return that the comparable U.S. system has produced, and it might need some tweaking, for it's based on the Dow Jones Industrial Average, which is a very small component of the total U.S. market system. Good wishes for wise maney managment and increasingly skillful investing. And don't forget ... some losses here and there are the tuition fees in the University of Leaning How to Manage Money (and pay less income tax, or later) - or so the investment group that I've attended monthly for about 7 years says. They meet all summer - say that money works 24/7/12. ole joyful...See MoreAny tips for Ikea visit to spec out kitchen?
Comments (50)Mike, I'm in SoCal and the IKEA-referred contractor who assembled my kitchen did a fantastic job. My own contractor didn't want to touch it as he was not familiar with it. Could I have DIYed it? I honestly don't think so. If I had, it would have taken a long time, lots of frustration and sore knees from bending and squatting. I got all the pullouts and other innards as well, so it would have taken even longer. So yes, I COULD have DIYed but I'm sure happy that I didn't. If you have the budget, have it done and over with. My days of putting RTA furniture together are gone! Your mileage may vary! This time with my PAX closet, I am letting my current contractor do it as he is familiar and comfortable with it, so I decided to pay him instead of the referred installer. And, no, I am not working overtime to pay for it. An L-shaped walk in closet with mirrored doors and all the nice organizational innards cost me $1200, and any other similar closet system would have been $8-10k. We built the closet to fit the PAX so that it will look custom when done....See More**URGENT-Tip Furniture Delivery Guys?-Coming Soon
Comments (19)So I'm a day late on this but I'll chime in and say yes, I tip, if the service is good and the folks are polite etc. I figure the $20 or whatever means more to them than to me, and I'm lucky that I'm not the one hauling heavy stuff for a living. That's purely personal and no reflection on someone else's tipping or not. The exception? When I waited months for my gorgeous, big, heavy desk to be delivered from NC... This desk with hutch weighs several hundred lbs. The delivery guys: one was about 90 lbs, the other had a broken foot. They asked my husband (who had just had hip surgery) and me (5 mo's pregnant at the time) to help them carry it, otherwise they would send it back to NC! It ended up in the garage until we could hire someone local to carry it upstairs. Can I just say for the record that those guys did NOT get a tip?!...See MorePercentages of time spent at kitchen tasks
Comments (48)We do our own prep, never bothered to figure out percentages. Don't really care! (We prep in the 24"x30" between sink and cooktop in our U-shaped kitchen.) But I laughed at Sophie's post, because sometimes we do do that. I do keep a few bags of frozen vegetables (and raw frozen shrimp) on hand for those days when we didn't get to the store, or decide to make something last minute. (Usually we use a pre-planned menu for the week, but not always.) But Sophie made me think of a book where the main character says she doesn't cook, she "assembles"! She goes to Trader Joe's, picks up various prepared items, and "assembles" them, heating on the stovetop or oven or making a salad, and presenting a fabulous meal....See More- 9 years ago
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