My good knife got mad and fell on the floor....
7 years ago
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Credit report madness!!! Score might not be good afterall.
Comments (10)Hi breenthumb, Rumour has it that there are other insurance companies. Granted, there are fewer than there used to be, as they, like most corporations, hate competition on their own level and will go to great lengths to get rid of competitors. Some time ago I had a personal tax-deferred retirement account with a stockbrokerage, which had incurred no administration cost for years, as it had been grandfathered that way when that company took over another company. When I came to the age where I had to reverse it from an account into which I paid in, into one into which I could no longer pay in, but must withdraw a certain percentage annually, which increases from about 7% at age 71 to 20% at age 90 and beyond, a problem arose. They said that there would be an annual administration fee, and my claim that it was a continuation/reversal of a fee-free account that I'd had with them for years fell on quite deaf ears. So ... I did some checking with some other agencies, and came back to report that, since such and such a company and so and so company would agree to carry my account without an administration fee, I was considereing transferring my account ... they seemed to have a change of heart, for it appeared that they, too, could carry that account without an admin. fee. Which they've done for about 10 years, now: nice to have a little skill and effort save one well over $1,000., on occasion, right? I didn't feel it necessary to include in my report the fact that I would be somewhat less inclined to use the other companies than the one that I had been with for years ... as Grandma used to say, "One should tell the truth ... but there's no reason that one should blab and tell all that one knows". So ... ... if you don't, or haven't owed money for several recent years in several locations/circumstances ... ... they figure that your trustworthiness is suspect, do they? As I've lived in over 20 locations in my 79 years (as I discovered when they asked over on KT in how many places one had lived), I've never owned a home ... ... so never had a mortgage. As I live fairly frugally, I've had few loans. Which situation is aided by the fact that I tend to buy old cars and drive them into the ground, which usually takes 5 - 7 years ... which enables me to buy them for cash (having added a bit to emergency funds from time to time, and drawing on it to make those smallish purchases). When I have substantial debt and must pay quite a lot of interest every month, it seems to me that, since much of our debt is usually non-deductible, if I have to pay $100. monthly in interest, and make $10.00 per hour, after-tax income ... that means that I work 10 hours/month for someone else, the holder of my loan(s). I'd rather wait until I can afford to pay cash ... and pay myself, instead. Learning how money works is an interesting hobby ... that pays well ... and I hope that you're developing increasing shrewdness at managiong your income and assets effectively: to benefit you rather than the other guys (with the exception of worthy charities). Hope you're part way into a happy weekend. One nice thing about retirement is ... that every day is weekend. A nice benefit of learning skillful management of money may well be/quite likely will be ... early retirement (at your choice, not because your company downsizes when you're about 50 ... leaving you out in the cold). ole joyful P.S. I could qualify, as I've had a Line of Credit, usually unused, for about 10 years, and have had a credit (actually "debt") card for several years, which I use infrequently. I recently took on another, which offered 1.9% on transferred balances for most of this year, figuring that I'd buy some stock using the original card, then transfer the balance, as the bank, which had usually charged me bank prime on my loans (fully secured), they recently said that prime was 3.5% ... but they needed a 1.5% surcharge, to total 5%. Now, however, they say that the interest on my Line of Credit will be 2.25% ... so I'll take that, instead of jockeying on credit cards - not a good idea to shift from one horse to another while crossing a stream, I figure. Most cards charge full rate (often 18% on mainline cards: 28% or so on store-issued cards) from the date of the advance until it is paid in full, and I'd not be sure how long it would take to transfer to the second card. o j...See MoreHelp-my daughter is mad at me
Comments (29)Hi Jannie, I'm so glad that your daughter came around. How tough for you. I also have a chronic illness, though not as severe as yours, and cleaning is just not always possible. When I was a teen my mother was very depressed and the house always looked awful. I blamed her entirely and unfairly. I did try to help, but she wasn't really able to work with me. I think she felt that she had to do everything herself, and felt insulted when anyone else did some cleaning. It would have been really helpful if there had been a third party (like a therapist) to help us work on these issues. I had 5 other siblings though, and I think my mom barely noticed my rage. As for having temper tantrums, I'm not sure I'll ever outgrow them. Last year I reached the end of my rope and stormed through the dining room kicking Polly Pockets left and right, hollering "I'm sick of picking up all these toys and I'm not going to do it any more!!" (dd,6, quietly walked downstairs to her father and said "Mama is flipping out.") I'm still finding those stupid little shoes. Anyhow, after that I got on the SHE system (same as Flylady, but using paper instead of computers.) What a difference!! I hope you and your daughter can continue to work together. (((hugs)))...See MoreWhat can I do my Neighbor is mad at me : (
Comments (31)trancegemini_wa, I think it's abundantly clear that you're one of the people who feel that they're entitled to let their cats roam where ever they want and to let them do what ever they want, no matter how they and you, by allowing it, infringe on other people and animals. Cats killing wildlife isn't the ONLY problem. They drive other people's pets crazy, they destroy plants, they crap all over walk ways, they kill people's chickens and aviary birds, amongst other problems. Then, there are a bunch of dangers that the cats face themselves, coyotes, dogs, poison, cars, disease, trigger happy kids and sickos, etc. The list goes on and on. Being turned into the SPCA would be a far better fate than being neglected by their owners like they are now. Better being adopted into a new home with an owner who cares than being found run over at the side of the road. My local SPCA is a no kill facility. Please tell me why a no kill facility would lie and kill cats that I bring them? I'm confused why you assumed that they'd kill the cats. And if people don't want their cats to be trapped and taken to the SPCA or the Humane Society or high kill shelters, then they wouldn't allow them to roam where ever they please. It's my property. They're lucky that I'm not sicking my dog on them, which would be my right but it's not the cat's fault, it's the owners and so the cats shouldn't have to be the ones to suffer. But cats are suffering. Do I need to keep a running tally of all the ones I see run over and brought into veterinary hospitals for unnecessary and totally avoidable maladies that don't happen to indoor cats?...See Moremy lr vision gone with one fell swoop
Comments (62)I love equestrian stuff...goes back to my days of being horse happy as a child. I have a number of horse statues around yet and had an equestrian theme in DH's study at the old house...even had my old helmet and riding crop propped up on the book case. There is something about how the fur on a horse so beautifully shows off its muscles and bone structure that make them such wonderful creatures to look at. Note the Antoine-Louis Barye horse sculpture on the mantel....See More- 7 years agoplllog thanked dcarch7 d c f l a s h 7 @ y a h o o . c o m
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jerzeegirl (FL zone 9B)