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 MoreBacksplash color - help my madness!
Comments (9)Artlover - I like a lot of color, too. We took out a wall in our remodel in order to have open space and it's been a huge change for me to decorate this way. I've been trying to bring in pops of color instead of painting my walls as many different colors as they were before. My biggest fear with color for the backsplash would be that it would feel too dark. But I love the burnt orange idea. My shelf on the opposite wall is SW flowerpot and I could do a board in that color to see what it might look like there. Mitch - Other people have told me the brick looks like subway tile. Maybe I should put a gloss over it. :) The piece over the sink is from Target. It's 'wood' of some sort. I'd struggled for a long time finding something for that spot and I love it too. Except it is hard to dust! OK - I've got my big girl panties on today. ;-) Any more feedback from anyone? We slowly did our changes and now that we're pretty 'done' I feel like something is missing to put it all together. I'd like to change out the recliner at some point, new kitchen table, bring the light down, I did get a new lamp... What am I missing/needing? Maybe the backsplash isn't the problem I think it is.?...See MoreSo... after 40lbs of tile fell on my foot and a trip to the hospital..
Comments (20)Back to the design question (and I'm super sorry your foot got in the way of the falling tile!), I like to work with something OTHER than wood-look in bathrooms. Only if the ENTIRE HOME is covered (or a large section) in the same wood-look tile, would I recommend using wood look in a bathroom. Why? Because it LIMITS the REST of your space. Imagine if you put in wood look tile in ONE bathroom. And then 7 years later you decide to update the entire home and decide you want "wood" (don't care what product...you just want the look). Oh dear! You ALREADY have a small space filled with wood-look stuff. Oh no. There goes the REST of the plan. All because a 35sf bathroom already has something that looks like wood. It is a design faux pas to put one "wood" product up against another "wood" product. So I vote for another form of tile. I also vote for "shower conversion" if, and ONLY IF, you already have a bath tub somewhere else. So long as your home has ONE tub, all the rest of the bathrooms can either be showers or powder rooms. And let me tell you, a BEAUTIFULLY DONE shower is MUCH MORE valuable that a cramped bathroom with a tub taking up 1/2 the space. But to convert the tub to shower, you need to have the full $20K ready to go (and that's a LOW BALL estimate....the average cost to renovate a bathroom = $30K). Have a look at your budget. You might find that a tub-to-shower conversion isn't in the cards (or the bank account)....See MoreAm I Mad... Considering Painting My Kitchen Units Myself
Comments (14)Black on Black, the AC/DC kitchen, is a hot look on Insta at the moment. Every one of those photographs are highly manipulated, with extra lighting during the professional photoshoot, and with Lightroom after the shoot. It takes a lot of skill to pull off good pictures, with details in the shadows, and without the whites being washed out, because of the high contrast. Our eyes don’t naturally see that way. In person, we search out the light, which blinds us to the dark, making it one large undifferentiated mass. If we squint to try y to o find the detail in the dark, it all becomes blurry. Or if we focus solely on the dark, the light blinds us, because we have dark adapted eyes. To get the to artificiality of the photographs requires a LOT of added light. A huge amount. Matte black absorbs twice as much as does gloss black. You’ll need lots more recessed lights, with higher lumen output, plus some added cable wire spotlights, and stronger under cabinet lighting. You can’t take a standard lit kitchen and paint it black and then expect to be able to see your bleeding hand in front of your face and the sharp knife in the other like the photos fake. This isn’t just a minor kitchen change. It’s a different way of living in that kitchen entirely....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)