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punkscowardschampions · 5 years

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Indie & Rio

Indie: where you left me to go mama?? Rio: aw bubba 😧😔 Rio: plenty of stuff in the kitchen if you ain't already raiding Indie: got my head in the fridge never over its madness Indie: 🍾 + 🍊 for breakfast innit 😂 when you lavish Rio: 😂 we on the champagne too Rio: calling a 2 drink max for you so you don't rinse 'em 😜 Indie: dont be lawin that for me too tho Rio: Bitch I is, keep up Indie: naaaah thats only a glass in each hand Indie: you got rules whenever you be but cant gimme none Rio: 😑 Rio: even you can't test me rn tho Rio: on ☁9 Indie: jam girl im playin 🍾 aint lush 😕 aint be telling mckenna that i cant hang w the poshos but fr Indie: is it? whats got you feelin higher than me? 411 Rio: not got dem mature tastebuds yet younger 😉 Rio: [Picture in the Tiffany shop] Indie: allow it i got 👅 that 💸 cant buy bitch Indie: what bling the boy tryna drop on you 👑 didnt even hear you arguing like 👏 get it girl Indie: guilt gifts be 🔥 Rio: Better than the 🚬 joke I thought you would Rio: maybe you are gettin so grown 😜 Rio: nah nah Rio: not even Rio: idk how to say it it feels surreal, like Rio: you'll think i'm playing fr Indie: innit tho 👵👵👵👵 Indie: ?? Indie: youre playing not to take me w to get a 👶 🎁 but you kno 💖💖💖 Rio: That is a good idea tho the price tag would have you shook Rio: [Pic] Rio: It's an engagement ring Rio: ahh I feel a bit sick Indie: YOUVE GOT JOKES MAN 😂😂😂 Indie: even mckenna aint that highkey he gonna proper wife you rn Rio: mad init Indie: serious? Rio: yeah Rio: promise Indie: 😲😲😲😲😲😲😲 Indie: bitch i aint wearing no dress to the 💒 tho Rio: i know Rio: but how you gon' be maid of honour if you don't? 😘 Indie: ill tax that best man role from other mckenna if you keep playing 💪😎😎 Indie: & i aint callin you mckenna now thatd be a madness of getting you caught up w that boy in convos Rio: Fine we'll discuss this later Rio: 'cos ain't like it's happening now so you know Indie: locked you down w out locking in a date i get it Rio: Yeah Rio: what do you think then Rio: honest Indie: its sick news Indie: the boy be acting right & appreciating what he got 👑👑💖💖 Rio: i'm so glad you think so Rio: thanks, babe Rio: ain't gonna make a big song and dance and tell everyone but i ain't gonna hide it either Rio: know everyone gonna have an opinion, again Rio: just can't get enough, clearly 😂 Indie: feelin the love that you spoke it to me Indie: the only opinion that counts b that he aint finding no better hoe here, in the 24 or anywhere Indie: facts Rio: You gonna make me cry and they gonna throw me out this boujee ass store Indie: wipe dem tears on 💸💸💸 so they kno you can hang still Rio: 😂 Rio: already gonna be out here wearing someone's college tuition on my finger like Rio: see why people do this more than once, get a nice collection going Indie: mckenna gon 😭😭😭 boy is soft Indie: dont let him hear you chatting bout no round 2 Rio: 😏 Rio: poor baby, don't be mean Indie: catch me getting married never i gotta live this thru you amp bitches Rio: Fair, didn't ever expect I would Indie: gon kick it old school like your nan 👶👶👶👶👶 but no 💍 Rio: 😖 Glad you out here thinking so highly of me bitch 😜 Indie: 😂😂😂😂 Indie: is you got the fear tho for reals or nah? Rio: It's weird Rio: I know it's what I want like I didn't even think about saying nah but Rio: you have every other voice in your head saying it's too quick or we shouldn't even be together at all, you know Indie: i feel it Indie: i got em in mine tryna chat against everything i tryna do all the time Indie: gotta just chat back that they bein dry Rio: Yeah Rio: you right Indie: how we celebratin this?? thats what i wanna be knowing Rio: we should go out for dinner Indie: catch me thirdwheelin over 🍝 soz baby boy 💋 Rio: shh nah, it'll be good, there are some fancy places that do food you'll actually eat so we can live lavish Indie: tell him bring a friend if he rollin w any still 😂😂😏💘😏 Rio: Not tryna get you NONE at my engagement party tah Rio: get you fill o the food tho 😋 Indie: it aint gotta be heavy Indie: been long since anyone meshed me tho so help a hoe out Rio: hmm don't be tryna play addickted Rio: i'll get you a vibrator, like Rio: not to say go fuck yourself but Indie: 😂😂😂😂 when your ma been out for the day & brings home 🎁🎁s like Rio: pah, he'd actually die of embarrassment Indie: when you out your man as vanilla tho Indie: o mckenna Rio: I just don't reckon he wants to think 'bout you meshing Rio: no offence, like Indie: back trecking like its your job baby Indie: 👀 you & his ways Rio: 🙈 den gurl Indie: too late to swerve dat 🏩 Rio: 🙄 just be thankful i never brought it to ours when we was sharing Indie: safe Indie: I kno you in your ☁ rn but when you back cos shit b testing me & dat 2 drink minimum Rio: What's up? Indie: ex-boy got a new 💘 so he tryna pass my shit back but cos i aint there hes @ the squad & they vexed @ me cos of Indie: 💔💔💔💔💔 Rio: 😔 Rio: Are the lads gonna get it or nah Rio: Don't suppose it's worth seeing if Drew still wanna be Dad of the year one last time, like Rio: may as well use him if he's offering, yeah? Indie: things been heated since the 🐕 & what of mine they are holding so like no beef to the lads but idk Indie: am i tryna text him ever tho 😒😒😒 Rio: Yeah, we'll go 'round the houses when I'm back Rio: someone will go get it Rio: don't worry Rio: we won't be long now Indie: & like not tryna still have love for that boy but aint it mad quick miss me for a few after you dash me Rio: It is Rio: but I ain't surprised, it's how lads, esp lads like that, do Rio: doesn't mean it didn't mean nothing to him necessarily Rio: could still be crying 'bout it in your inbox in a few, not trying to give false hope even 'cos fuck him Indie: i dont wanna be hurtin over this no more Indie: gotta get not bothered Rio: I know Rio: fake it 'til you make it, babe Rio: all you can do Indie: innit tho Indie: tell mckenna to buy me bling too thatll help 😂😂😂😂 Rio: 😂 Rio: 'course Indie: not saying he gotta drop a rents worth on the drip like Indie: just how much he feelin Rio: also not tryna be your sisterwife like Indie: no mood Indie: he vanilla but i aint tryna compete w your moves still Rio: Teach you but I'd have to charge Indie: hes on daddy hype too hard i cant be chattin like that to him or no lad soz boy Rio: Don't really put you in any mood but 😒? Rio: Fair Indie: why drop 💸💸💸💸 on therapy when you can spend on 🚬 its all good Rio: It ain't Rio: but we'll make it Indie: you reckon drews gon show w 👶🎁🎁🎁 or imma be repin for the fam? Rio: I don't know if that'd even enter his head Rio: tbh Indie: she could ⛔ us all in a big sweep Indie: me you & him Rio: She could Rio: I don't think she will you though, babe Rio: not like you've done shit wrong Indie: she just aint about me Indie: i feel it w her too Indie: itll b how itll b Rio: yeah but she can't be that petty Rio: even if she wanna Rio: she's a grown ass woman Indie: neither of em out here acting like they grown Indie: why she gonna start when she have this kid Rio: 'cos she'll have to Rio: unlike Drew she can't just pass it around and hope everyone else does it for her Indie: yeah but she know your ma in law got her back & your real Rio: She can't let Bea raise her kid for her Rio: or Ma Rio: anyway, she's got too much pride in everything not related to Drew, trust Indie: tru Rio: I promise, it's gonna be fine Indie: i got trust in you babe thats how im here Rio: 💘💘💘 Indie: dont be letting it slip now you got 💍 Rio: Never Indie: its chill then Indie: what we tryna wear tonite bitch? Rio: got enough trust in me to lemme pick you up some fresh garms or? Indie: hmmm Indie: cos you in a ☁ yeah Indie: theres your engagement gift ✌ Indie: do it how you gonna Rio: 😂 you know I'm good Rio: and no 👗s Rio: not taking the piss Indie: 👀 Indie: no 🤡ing Rio: would I do a thing like that? Indie: nah but mckenna will if he gets pissy you aint shopping for him 😂😂😂 Rio: We already had to treat him 'cos you know Rio: men don't cuffed 'til the day of Indie: you rode him in there say no more 🤐🤐🍾🍾 Rio: 😂 Rio: Not what I meant even but not gonna lie Indie: 😏😏😏 Indie: i been knew Rio: Keeping it unpredictable is our predictable, babe Indie: you out there vibin 😍😍😍 its a day when you can be extra Indie: make most Rio: As if there's a day when I ain't 😉 Rio: At least my Ma can't say shit to me, she was a marriage and 2 kids deep by now with Eds on the way so Indie: his gon get vocal tho man i feel it Indie: 👀 his dad @ me like 😒 how she livin Rio: I know Rio: Hoping they don't notice, like lemme forget which finger this meant to go on Rio: 😬 Indie: she gon be busy @ the business end of her sis when we hit dubs you all good 😂😂😂😂 Indie: & you could always swerve it so the 💎 not facing out when they 👀 Indie: ✌ hacks Rio: am I tryna stop a muggin' or 😂 Rio: you jokes Rio: also never wanna think about her business end thanks 😷 Indie: innit her drum not got dem thin walls like ours 🙏🙏🙏 or they aint vocal how you and mckenna do Rio: Literally can't imagine how this baby came to be Rio: but I'm chill with that, I don't wanna Indie: used that medical shit fr he aint been near her thats how i clue it Rio: i'm creasing rn and can't even explain 'cos nah Indie: serious she that bitch you tryna lips her & she gotta go shower Rio: I know Rio: Childbirth gonna break her 'less she got that c-section on lock Indie: hit her w all the good gear 🚀🚀🚀🚀 Rio: Probably wanna do it without for the brag idk Indie: o snap Indie: truuuuuuuu Rio: She gotta be ready to drop any day, like Indie: 👀 &👂 Indie: we turnin up if she want us or nah Indie: how many mckennas 👶👶s you gon have? Rio: We'll be about, can't avoid School forever Rio: and shut up bitch 😂 Indie: cmon man i kno you 💭 on it Indie: he a pretty boy Rio: nah Rio: i got a life to live babe Indie: your ma been proved you can have it all bitch Indie: birth dem 👶👶s give em posh names & send em to fancy school like they da Rio: yeah n she given me enough sibs to never need my own Rio: not to mention all your drama 😜 Indie: 😂😂😂 Indie: im a drama free zone now ty what you sayin Rio: whilst we in this postcode maybe Rio: but not for long babe Indie: nah for long imma be swervin that shit ✌✌ Indie: any postcode Rio: 👏 sounds good to me too Indie: got ink to jog me if i tryna slip Rio: yeah Rio: least you didn't get the M too Indie: like i been said id just put an a on it for that shoutout to my 3 mas baby 💖💖💖 all good Rio: there's always that Rio: if you really want you can add to it Rio: reclaim it, like Indie: hacks Indie: but i aint got no 💸💸💸💸 for Rio: I can pay Rio: or Ma would do it Indie: o yeah Indie: imma hit her up when we home Rio: Have you decided where you gonna be? Indie: mayb w bills cos she 😢💔 idk Rio: Yeah? Indie: if edie back then naaaaah Indie: or if drew been locked up can squat in the flat til it reclaimed Rio: We'll work something out Rio: I'll probably look for a new place Indie: you not gon move in mckennas dubs yard like you own that? Rio: Don't think the rest of 'em would appreciate that like 😏 Indie: other mckenna would rollin in that big drum solo gotta be dry Rio: Yeah still don't think I'm housemate choice no.1 Indie: thats her bad cos you 👑👑👑🔥🔥🔥👑👑👑 Rio: 💘💘💘 Rio: You biased Indie: nah i not Indie: im not here for drew just cos he blood Rio: Anyway, can't be presuming that's how he wanna be living, like Indie: is it? Rio: Yeah, he ain't coming here 'til October imagine if I'd legit moved myself in 😂 Indie: he put a 💍 on it how he not gon be down Rio: that's like rule no 1 init Rio: gotta make sure you've got your own taken care of in case everything goes tits Indie: safe Indie: 👑 moves be like Rio: If I really was probably shoulda said no shouldn't I Rio: kick it like his Ma Indie: if he wants a girl like his ma you need to have a convo Indie: that some freaky shit Rio: 😂 Rio: psych101 would blow your mind Indie: i aint even tyna kno what you mean Indie: old white dudes be cracked Rio: Yeah wouldn't have you buzzin' 'bout your daddy issues Indie: what they sayin bout? i wanna fuck drew now? plot twist fam Rio: you know Rio: we all do but clearly got it twisted 'cos my type ain't ever been my da Rio: no offence boy but Indie: your da be 😍😍😍 god bless Rio: have we swapped? 😂 Indie: he raised me higher than drew done so Indie: daddy caleb come thru Rio: 😷 Indie: 😂😂😂😂 Rio: Such a grown convo Indie: hoe im keepin you grounded Indie: livin that grown life 24 7 w mckenna Rio: tru Rio: it's a madness i should still be in school Rio: i feel so 👵 fr Indie: you is Rio: cheeky cow Rio: meant to hype me not wreck me 😂 Indie: he be too tho Indie: so tamed its a madness Indie: remember how he used roll Rio: well you know Rio: 😻 game so strong Indie: you no need my hype bitch Indie: you know what you done Rio: You reckon Indie: girl aint be gettin a callback you got 💍💎💎 & 💒 hype Indie: he kicked it long distance for you & he aint putting in effort no way fore then Rio: Yeah Rio: ignore me Rio: just the fear init Indie: get a new drink Indie: chase that Rio: 🍾 Indie: check your boy i bet he aint feelin no fear Rio: He wouldn't say if he was Indie: hed chat it to you Indie: that boy always talking Rio: 😂 thought you reckoned he was the strong silent type Indie: that was afore he was my new daddy Indie: now i 👀 Rio: 😏 Poor boy Rio: I'll keep it on the dl, protect his ego Indie: ill keep it uncommon knowledge to protect this roof over Rio: yeah, least wait 'til you safe in the 24 to be rude 😜 Indie: innit Rio: right, we heading back Indie: ✌✌ Indie: in a few Indie: less he wants you all to himself Rio: he already been had that Indie: he gave you 💎 you can give him a day 😂😂😂 Rio: is it? Rio: why you want air? 👀 Indie: jam ma im tryna do you & your mans a solid Indie: fore i 3rd wheel your nite like Indie: aint this bitch in your pocket & way when we rollin in the 24 Rio: hmm Rio: if you're sure Indie: trust Rio: then we'll be back with your garms and the reservation later then Indie: safe Indie: dont be doing anything i aint tryna Indie: 💖💖💖💖💖 Rio: 🧡🧡🧡

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themoneybuff-blog · 5 years

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Questions About Checking Accounts, Nintendo Switch, iPods, TSP, and More!

Whats inside? Here are the questions answered in todays reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Great advice for job seekers 2. Old hometown checking account 3. Making your own seasoning mixes 4. Inexpensive Nintendo Switch games 5. Partner has extreme debt 6. TSP contribution questions 7. Uses for old iPod? 8. Job search not that simple 9. Value of authenticating sports cards 10. Financial independence and career plans 11. Advice for selling books 12. True hourly discretionary income question I wanted to offer a little update on my switch to a standing desk for professional purposes. About two weeks ago, I moved my main workstation to a standing desk. The purpose for doing this was to significantly reduce the amount of time I spend sitting in a given day, because sitting for your job all the time has some negative long term health consequences. I did recognize that doing this fully cold turkey is a bad idea, and so I planned from the start to do it in stages. My plan was and still is to use the desk until I felt noticeable discomfort, then switch to a laptop in a chair for a while, then maybe alternate back later in the day. My goal was to simply raise my average time at the standing desk a little each week as I strengthen different muscle groups. After a couple of weeks of doing this, Ive found that the big impact has been on my lower back, with a smaller impact on my feet. Im able to work for about four to five hours a day at the standing desk, with other work time spent sitting in a comfortable chair with a laptop. What generally happens is that my lower back starts to get sore, not in a something is broken way but in a this is a muscle thats getting taxed due to exertion and needs a break way. Ill sit down for a while and itll feel much better. However, its constantly experiencing a low-grade soreness, the kind of soreness that happens when you exercise a muscle group. Theres nothing wrong here if I felt something wrong, I would stop using the standing desk for a while. However, it can be a little uncomfortable. Ive had some very minor foot discomfort, mostly on my heels, but nothing significant and it honestly seems to be fading over the last few days. Its hard to tell yet whether or not the standing desk is improving my health in any notable way. I certainly dont think its been bad, but I havent noticed a big health improvement. I do exercise most days, so thats definitely a positive factor, but its hard to extract the benefits of standing with the other benefits of exercise. I think its very likely that there have been some minor benefits, and I likely would have noticed more if I didnt already exercise. Its all about feeling healthy for as long as possible. On with the questions. Q1: Great advice for job seekers I wanted to share some advice from my own experience as an interviewer [in a large corporate HR department]. The big thing is that you shouldnt be hard on yourself if you interview for a job and dont get it. Often, there is already a candidate that is pre-selected and the interview process is a mere formality. Someone thought you were a good candidate and brought you in, but you didnt actually have a real chance at the job no matter how you interviewed. In fact, you should treat all interviews like that. Dont get stressed about them, because theres a good chance that theres already an anointed candidate. I would say that 75-80% of the time, we already have our minds made up regarding which candidate to hire before the interview process begins and interviews virtually never change our minds. Sometimes we will interview someone great and put them on a list of people to call in the future but almost without fail those people already have a job when we call them back. So please dont be hard on yourself if you dont succeed at an interview! And dont get overly stressed about it because theres a good chance that theres already an anointed candidate anyway. Just go in there and answer the questions and learn about the company and let the chips fall where they may. Alison This is great advice, and in line with some of my own hiring experiences in the past. I have been on all sides of this coin at various points. I have been the anointed candidate in a hiring process. I have also been one of the other candidates in a hiring process (where I knew someone else was anointed for an absolute fact). Ive also been involved with several hirings, some of which had strongly preferred candidates and some of which did not. The thing is, you never really know which kind of situation it is when youre interviewing. It may be a more open position where you actually have a good chance, or it may be a situation where you are one of the other candidates in an open process engineered to bring in the vastly preferred candidate with minimal questions. I think the mantra of dont worry about it is the right one here. Just go in there, answer the questions, ask some questions about the company, and move on and keep looking for the next interview or opportunity. If youre the right candidate, theyll call. Often, you wont be, and it wont be due to a fault of your own. Q2: Old hometown checking account I have left a checking account open at my old hometown bank for the last 20 years. It pays a very small interest rate 0.05%. I have a balance of about $1,200 in there. I have always looked at it as a last ditch emergency fund. If anything seriously goes wrong, Ill go there and use that money. But its just sitting there. Isnt there something better I could be doing with it? Dana I dont think theres anything wrong with having a last ditch emergency fund in a bank thats not easy to access. That idea is fine by me. However, its probably just going to sit there for a long time, so you might want to consider doing something with it that earns a better return. The next time youre in your hometown, stop by that bank and see what other options they have. Simply explain that this is an emergency fund for you and you want it in a place where it earns a little more, doesnt lose value, and could be withdrawn in an emergency but isnt likely to be withdrawn. Its very likely that theyll suggest a certificate of deposit, which is akin to a savings account except that it earns a bit higher interest rate and theres a small penalty for withdrawing it early. It wont take very long at all for the CD to earn more than the penalty for early withdrawal and then, after that, its onwards and upwards. Make sure that the bank allows you to automatically roll over the CD when it matures. Right now, with interest rates a bit higher than they were but still fairly low, Id choose a medium term CD, something in the range of one to two years. That will give you a higher interest rate than a short term CD but wont lock you in to these relatively low historical rates forever. Set it to automatically roll over, then forget about it until that last ditch emergency occurs. Q3: Making your own seasoning mixes Have you ever written an article about making your own seasoning mixes instead of buying mixes at the store? You can buy the component spices and mix them yourself and save a lot of money if you use seasonings a lot. I make an Italian seasoning and a chili seasoning and a toast seasoning myself. Margaret Toast seasoning? Youre going to have to send me that one. I have a bagel seasoning mix that I like to use on buttered toast sometimes I wonder if theyre similar. Although Ive mentioned seasoning mixes before and noted how its cheaper to make your own, I dont think Ive ever written a listing of the various spice mixes we have and how we store them. I store most of my spice mixes in large baby food jars that we still have from when our children were babies. I usually make them by mixing other spices by the teaspoon into a bowl and then stirring them thoroughly so theyre mixed, then I fill up the jar with the spice mix. I use masking tape for labeling. Using a mix is a learning experience. Over time, you start figuring out how much to put in stuff. Our chili mix, for example, usually takes a tablespoon and a half per batch, and a batch fills up our slow cooker about halfway. I could write a full post about this if theres interest, including some of my recipes. Just send me a message on Facebook if youd like to see that. Q4: Inexpensive Nintendo Switch games My husband and I bought our son a Nintendo Switch for Christmas. It is his first video game console and he had been asking for it all year so it was really fun to see him open it. Both sets of grandparents got him a game for it so he has had two games to play. His birthday is coming up soon and we asked him what he wanted and of course he wanted a Switch game. We asked him for a list of the ones he wanted and it has 15 or so games on it. The problem is that they are all $50 or more. Why are Switch games so expensive? Our full birthday gift budget for him is $50. Can you help? Anna This is a consistent challenge with Nintendos consoles, and it has been since the 1980s. Nintendo makes very high quality exclusive titles for their consoles those are usually the ones that wind up filling wish lists for console owners but they rarely go down in price until later in the consoles production cycle and the Switch is a pretty young system. Trust me your son isnt being greedy here. Hes probably listing most of the best games for the console, but they all happen to be expensive ones. I would guess that in a year or two, Nintendo will have a line of some of their top titles from a few years prior as Platinum titles for a much lower price point around $20 but were not there yet. So what can you do now? My recommendation is to visit a video game store that sells used games, like Gamestop, and see what they have available for the Switch thats used. Switch games, as you know, come on small cartridges, so its very easy to test a game to make sure it works you can ask them to test it before you buy. Getting a game used in the original packaging will still cost 50% to 75% of the sticker price and the selection may be a bit limited, but this is probably a fairly safe bet for getting one of the games he wants within your price point. A used Switch game is just as good as a new one in terms of someone focused on actually playing the games, so Id look there. Another approach would be to give him a gift card to the Nintendo eShop. There are a lot of very good downloadable titles for the Switch, and you use those gift cards to buy those downloadable titles. While this wouldnt give him any of the games he specifically wants, it would enable him to get a couple of games at least, and there are some very good games for $9.99 or less on the eShop. Q5: Partner has extreme debt I recently discovered that my bride-to-be (June) has about $140K in student loan debt. She had said that she had some student loans in the past but I did not have any idea how much. I am very uncomfortable with being saddled with that much debt. This has caused a great deal of conflict between us over the last few months and I found this out during the holidays. I am not sure what to do. Daniel The biggest factor Id look at is her day to day behavior right now. Is she a frugal person? Does she watch her nickels and dimes? Is she committed not in words but in actions to getting that debt paid off? Is she making extra payments on that debt? If you see that, then I wouldnt fret about it. On the other hand, if she seems to think that such a big debt isnt a big deal, she spends money frivolously all the time, and she isnt making much progress on that debt I would think very, very carefully about this relationship, because thats a value mismatch thats going to chafe for years and years. Beyond that, I would also consider what kind of field that her degree is in. Was the degree she earned in a field with a high income potential, or was it something that will never earn a substantial income? Also, Id look at other factors, like whether or not parental support was promised and then denied. If shes aiming for a high paying career, such as medicine or law or some types of engineering, I wouldnt worry too much about it. If she took out that much debt for a career path that has a very low likelihood of earning a high salary, I would be really concerned. I would also be concerned with that level of debt if there was also significant financial support from her parents where did all of that money go? The challenge with marriage is that you are financially tied to each other in a very deep way and her choices regarding the debt she took out for her education are indicative of the decision making process she will likely employ going forward except now youll be financially liable for them. Having that much debt unless you are both high income earners will significantly affect your life decisions for a very long time, likely for the rest of your life. It will delay your ability to have children that you can support financially, for starters. It will alter both of your career choices and possibilities. It will delay your ability to have a home of your own. I guess, in this situation, what I would really look for are signs of financial maturity beyond that of the student loans. Is she focused on repaying that debt with or without you? Is she making the most of her degree? Does she spend frivolously? I cant answer for you whether this woman is worth it to you. She may be perfect for you in every other way, in which case youll be happier with her. However, having that much student loan debt, and given the alarm bells it sets off in your head, is a sign of likely incompatibility over financial issues, and thats not a recipe for a great marriage. As always, conversation is key, as is paying attention to her actions. What kind of steps is she taking (not just talking about, but taking) in her life knowing that huge debt is sitting there? If youre struggling to answer that and this debt makes you this uncomfortable, this may not be the best situation for you. Q6: TSP contribution questions I am 36 years old, single, no children, no plans to ever marry. I just got a government job that I hope to keep for the rest of my life. Knowing that I am receiving FERS and Social Security already in retirement, how much should I contribute to my TSP to be able to have a comfortable retirement?Want to retire at 65 and have about the same amount of disposable income when I retire. Janine For those unfamiliar, FERS is the pension plan for US federal government employees. TSP is an optional 401(k)-like plan for additional retirement savings. Based on this, FERS should provide about 33% of your final salary when you retire. Social Security, depending on your income level, will provide somewhere around 30% of your income. That means you need to make up about 37% of your income from TSP. If you contribute 5% of your salary to TSP, the federal government matches another 4%. Above that, theres no matching. Given all of that information, I ran some back of the envelope calculations and conclude that given your age and your aim to retire at age 65 with your full salary intact from your various retirement sources and that you want to be able to draw from TSP for the rest of your life, you should contribute 15% of your salary to TSP. This should enable you to withdraw enough from TSP each year to make up your salary shortfall when you retire at age 65 and the TSP balance should last for the rest of your life. Youll want to invest TSP fairly aggressively the target retirement options should work. While I cant guarantee that 15% will get you there, I can certainly say that it is extremely likely that it will either get you there or get you very close to your goal. Q7: Uses for old iPod? Found an old iPod in a desk drawer along with charging cable. Is there any use for this or should I just junk it? I powered it up and it turns on just fine. Adam I dont own an original iPod (I had one way back in the day but I sold it off circa 2007-2008), but a friend of mine keeps one in her car and listens to music with it every day using a cassette tape adapter. You could do the same thing with an auxiliary cable if your car has an AUX port. Just load it up with mp3s of a bunch of music and/or podcasts that you like, keep it in your car, and listen to it during commutes. If you have a charger that hooks into the cigarette lighting receptacle in your car, then you can plug into that and keep it permanently charged. My friend has hundreds of albums that she loved in her teens and twenties. If you like alternative or indie rock from about 1990 to about 2007, theres a good chance youll find a ton to love on her iPod. Just fill yours up to the brim with stuff you like and youll always have something to listen to. You can fill it up with the full archives of a podcast and listen to the entire run of a podcast, too. Old iPods are great for these kinds of things. In other words, use it for what it was intended for. Load it up with audio. Q8: Job search not that simple While I appreciate your regular encouragement to go find a new job if your current one is sapping you, its not always that simple. I have been working as a legacy systems programmer for the same company for 16 years. Most of my day is maintaining old code, migrating it to new machines, and dealing with corporate [nonsense]. I literally hate going into work each day. There arent any available jobs nearby that match my skill set. Trust me, Ive looked. I cant move because my daughter has particular health care needs and needs to be near a top notch medical facility. That also means I need good insurance. I cant just go into work and say, Well, time to find a new job today! Thats just a pipe dream. Terry All right, so what jobs are available in your area that are close to your skill set? Youre obviously in a metro area of some kind. I guarantee there are programming jobs in that area. Whats actually available? What things are most similar to your skillset? Once you know that, start honing your skillset at work so that you can make that leap. Learn how to write tools that will help you with the legacy coding you already do. Start trying to port your legacy code over to a new language for modern systems during your downtime. Use this as an opportunity to learn new languages and paradigms. Get involved with any and all local software development groups. Try to go to their face to face meetings and get heavily involved in any online spaces they have, being as helpful as you possibly can there. Build up some good relationships in your field, then just casually ask about positions that match your refurbished skill set. Also, keep your resume honed on LinkedIn so you can be discovered by people who might be looking for folks in your area. Dont aim for hopelessness. Aim for a light at the end of the tunnel. You can do this at any job. I had a job where I was literally shoveling dirt for hours and hours during the middle of the night by myself and yet I found ways to aim that toward my next step. Q9: Value of authenticating sports cards I have a bunch of sports cards mostly baseball and basketball from the 1960s. I have looked at selling some of them individually but when I look online almost all sales are authenticated cards in a special holder. I looked into this and it looks like you send your cards to an authentication service and pay them a fee and they put them in a special plastic holder with a tag that says its authentic and gives it a grade for its condition. Is this worth it for selling trading cards? Are there ways to sell cards without this kind of service? Marvin You basically described the sports card authentication world pretty well. It exists because there was rampant fraud in older sports cards and other trading cards for a while, so some reputable dealers popped up and started offering authentication and grading services so that people would know exactly what they were buying. Its become the de facto standard for any sports cards of significant value. Basically, if the card is older than about 1975 or so, the player has any name recognition at all, and the card is in reasonably good shape, youre going to make more money selling it after authentication than before, even including the cost of authentication. If its a no-name player or its beat up, youre not going to make a whole lot for it anyway, as people will just want those to help complete sets and they wont sell for more than pennies. What Id do is look for Hall of Fame caliber player cards from your collection (or, as a friend of mine said, Hall of Famers plus Pete Rose) and get those authenticated to sell individually. The rest, Id just divide out by set and sell in bulk. (I have an almost complete 1965 Topps set missing just a few commons that Ive worked on for literally decades, so Im fairly familiar with all of this.) Q10: Financial independence and career plans So how much financial independence would a person need to be able to have full career independence where you still want to have a career but you just feel empowered to make whatever choice seems exciting to you without really worrying about salary but still assuming youre earning a decent salary to live on? I make about $80K and think I can live well on about $40K so my savings rate is about 30% after taxes. How many years would I have to do this before money exits the equation as a career consideration? Barney I think the real question youre asking is how much do I need to save so that retirement is fully covered? This calculator is probably my preferred one. Youll want to play around with different settings to see how long youll need to save to hit your goals. The further you are from retirement, the lower your total savings goal will be. Also, if you assume Social Security benefits will come to you at rates similar to whats available today, the lower your total savings goal will be. You may even be at your target in several years. However, Id still recommend that you save for retirement after you hit your goal number if youre earning a good salary. This allows you to walk away even earlier if you just get tired of the rat race before a typical retirement age. Q11: Advice for selling books I have a collection of hardback books I want to sell. What is the best way to get maximum value for them? Tracy First of all, it depends a lot on what books youre exactly trying to sell. Are they novels? Cookbooks? Old Dungeons and Dragons books? Encyclopedias? Youll want to go to eBay and try to get a sense as to what theyre actually worth. You will probably get the maximum value from them by selling them individually. However, that is exponentially more work for only a fairly modest rate of return. You might be able to sell a lot of ten books for $20 or sell them each individually for $3, for example. Is that extra effort in packaging and shipping and tracking and communication for nine additional packages worth the $10 to you? Another note: if youre selling books, USPS Media Mail is your friend. Its a highly discounted shipping rate that applies to sending books through the mail, and it comes with a tracking number. (Its cheap because its slow and USPS knows a book can sit in a warehouse for a day with zero problems.) You should always use this when shipping books and magazines. Q12: True hourly discretionary income question I understand how this perspective helps to highlight the high cost of non-necessary spending now in terms of lost leisure in the future. But I think it overstates the cost of non-necessities in terms of hours worked. In your example where your annual net wage is $34,000 and your annual work hours is 2,740 (so you net $12.41 per hour worked) and your necessities cost $24,600/year, you should account for 1,982 work hours (= $24,600/$12.41 per hour) as covering necessities, leaving 2,740 1982 = 758 hours for non-necessities. In each of those 758 hours, you net $12.41/hour, and that is the cost of your necessities in terms of hour worked. So a $50 board game costs you $50/$12.41 per hour = 4 hours, not 10.5 hours. The key is to see that you still actually net $12.41/hour, regardless of whether those earnings go to necessities or non-necessities. One way to see this is to realize that the approach in the post can lead to unrealistic implications for the hours of work required to purchase non-necessities. For example, suppose in your example above, necessities are only $10,000 year, and non-necessary spending is then $34,000 $10,000 = $24,000. If your hourly wage for non-necessities is really $4.96/hour like the post says, then it would take $24,000/$4.96 per hour = 4,838 hours to earn that $24,000. But you earned the $34,000 with only 2,740 hours, so something is wrong. Max Max is referring to this article from last week, Using Your True Hourly Discretionary Income to Make Smarter Purchases. Youre just looking at the same issue in a different way. Rather than looking at each hour as being subdivided between essential expenses and non-essential expenses, youre doing the same thing with the total hours over a year. In that example, then, 1,741 of the hours you work essentially earn you nothing in terms of spending money, because all of it goes to essentials. So, frugality in essence just means that youre migrating some of the hours you work from your pool of hours spent on essential expenses to the hours you work for spending money. My angle was different. I divided the income from each hour into essential expenses and spending money. The essential expenses gobble up $7.45 of the $12.41 you earn each hour, while your spending money makes up only $4.96 of the $12.41 you earn each hour. So, then, you judge whether an expense is worth it using just the $4.96, since its the only portion you can actually freely spend. In this case, frugality moves a little bit of money from the $7.45 essential expenses per hour pile to the $4.96 spending money per hour pile. Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. Ill attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours. https://www.thesimpledollar.com/questions-about-checking-accounts-nintendo-switch-ipods-tsp-and-more/

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I just bought a 1995 CBR F3. My first bike I got last year was a klr250, rode it since last summer all year (no car for me), even rode in the snow for the hell of it. For the KLR250, my insurance was 200 a year all minimum with only like 500 for comprehensive. For the CBR, my insurance im looking at is going to be 200 a year without anything, only the minimum liability. I like the fact of how cheap it is, but even though I have great experience with motorcycling, should I just go ahead and get bare minimum insurance? Bike cost me 1800 dollars, awesome condition. valves all good, just putting in a manual CCT this week. Its cheaper than the KLR (i got it for 2k), but i dont know why im feeling i need so much more coverage this time. Maybe cause the bike is CLEAAAAN. What yall think?""

Parents Insurance?

If I'm on my parents Insurance and I go to a doctors appt without them knowing will it show up on there insurence statement?

18 yr old Car Insurance Advice?

I recently moved out of my parents home due to family issues. Im 18 yrs old and need car insurance but can no longer get it through my parents which made it much cheaper. Im wondering what my best options are.

""Health insurance, to see chiropractor help!?""

im trying to find health insurance because i dont qualify for medicare. im currently unemployed and looking for work, and couldnt go to fiu this semester. im 26 years old woman. i hurt my back lifting boxes a few months ago. the pain is horrible some days that i have to stay in bed all day. i need to see a doctor but i dont have money and i am living with my disabled mother. http://consumerdirect.bcbsfl.com my zipcode is 33010 what is the cheapest insurance here that would let me see a chiro and get xrays done? the less i would have to pay the better since my financial situation right now is bad.""

Is it Bad to Let Your Car Insurance Run Out Temporarily?

The insurance on one of my cars will run out in a few days, and the other one will run out at the end of this month. I was thinking of just waiting until the end of the month to get a new policy so that it will be more convenient and from now on I can renew both at the same time. Of course, I don't plan on driving car #1 until I get the new policy. Is this a bad idea? Can insurance companies charge more if you let your insurance run out, even for a short while? (They usually ask you when you're getting a quote online.)""

Is there such a thing as divorce insurance?

My parents are getting a divorce and, since it's California, the courts favor the female. Even though my mom and dad earn about the same money, my dad has to pay this huge amount to my mom for child support because she got more time with my younger brother. He's 12 and he told the mediator that he would rather live my dad full time, but the court gave my mom more time and made her the custodial parent. How old do you have to be to tell the court which parent you want to live with all the time? Also, just like there is medical insurance, has anyone ever heard of divorce insurance? It would kick in if you're ever stuck with child or spousal support. I haven't found anything on the internet yet.""

Car insurance for 17 year olds - UK?

Im about to turn 17 and wanted to start driving, how much would car insurance be for a Ford Ka? Are there any cheaper companies to go to and any ways of bringing down the price like installing trackers etc. Would it be much cheaper to be put onto parents insurance, even if they are really bad drivers!?""

First time drivers auto insurance?

Ok so I'm 17 and I'm a first time driver can you please name some of the cheapest insurance for me. The most a 100/ month thanks I live in California

""Brother got speeding ticket in my car, does my insurance for my car go up?""

so i let my brother drive my car, and he's a pretty safe driver, however he got caught doing 69 mph on a 55 mph in north carolina. i understand that he will have to pay a fine/get points on his license. will the insurance on my car be affected? my brother is actually not listed as one of the drivers in the insurance (my mom and i are listed as the main drivers- both of which have never gotten a ticket/motor offense).""

Would I be eligible for EI if I get fired for not being able to pay car insurance?

I work on call and recently I have barely been getting any hours so now I can still afford next months rent but not car insurance. And this job cannot be done without a car. So if I am not able to afford the car insurance because my boss doesn't give me enough hours, and if he fires me because I am not able to do work because I can't afford car insurance, would I be eligible for EI?""

""Im 16 and need to get cheap insurance, any suggestions?""

Im 16 yrs old, female, very independent and just bought a car; a 2002 chrysler pt cruiser. Im needing to get car insurance and be being 16 I know it'll be expensive so im needing to know where the cheapest place to get insurance for liability coverage in the state of Kentucky.""

When will Obama Care go into effect? Will I be able to get free health care?

My husband and I are currently uninsured. We can not afford health insurance right now. How little do you have to make to get free insurance. And If I have to purchase it, how much will it coast?""

New Driving Licence - Insurance?

Okay Heres the plan! Im 18! Ive passed my driving test today, and looking for car insurance the cheapest way ive found is using my mothers policy with 19 years experiance with no claims ever, however shes never had her own policy.. were going to share the same car 1.6 escort 16v quite a hefty engine for my age yeah but still cheapest i can get it, is 1900 Any tips to make it cheaper, or what ever Ive tried all the top brands, equity, tesco, aa, ,quinn direct, churchill, direct line etc so far quinn is the cheapest.. but the first initial premium month is too much to pay (400) help!""

Do insurance company has a right to insure people even though costumer does not finalized the paper work?

We had shopped around for home insurance, we made a quote and compared the best company, and we purchase the policy to one of them. After a year, we received a call from collection agency saying that we owe some money for one of the insurance company that we did not chose. And when I called that company, they said that if I can show them, if I am insured and covered that particular period, then they will remove that bills. I think this is ridiculous, why such a company like this have a right to insure me, bill me and send that bill to collector? Without even notifying me first.""

Dentist cost for teeth cleaning without insurance?

I live in Fairfax, VA and was wondering how much would it cost for the teeth cleaning with no heath insurance. thanks""

How does paying for car insurance monthly work?

im thinking of taking out a policy with co-operative insurance. The cost is 2300 per year , but they want 700 up front and the rest to be payed in ten monthly installments. When would i start paying the monthly installments , would it be straight away?""

Car accident with no insurance?

I'm 19, and the car I was driving was constantly breaking down. When it was completely broken for two months, I stopped paying my insurance and instead saved back money to get the car fixed. My insurance canceled during that time. When I got it fixed on Friday, I was planning on renewing my insurance Tuesday, a day I had off work. Unfortunately, Saturday morning I got into a car accident. I was turning out of my apartment entrance to get to a middle lane where I could then get onto another road, and somehow didn't see a car close enough to hit me. He t boned me in the drivers side. Somehow neither of us got hurt. My car is pretty much done and his car, while not as bad as mine, did get some split open damage. The ticket says the damage is worth 3,000. Since I had no insurance at the time, how will this get payed??? I have a court date on the 9th to discuss the fact of my no insurance...I'll have coverage by then of course, but I'd like to know what I should expect...""

Mandatory insurance?!?

Here in Massachusetts EVERYONE has to have health insurance, and if you wanna drive you have to have car insurance. How can this be legal? How can the government force me into buying a product or service?! Whats next, are they going to make it mandatory for everyone to buy 7th generation ipods? This is ridiculous. What if i dont want insurance? What if i cant afford it? WTF?!! Is their any legal way around this? Or are they going arrest me if i dont get any insurance? Should i board up my windows and stock up on guns?""

How much does car insurance cost a month?

for a 20 year old university student who's low risk

""Do I have to insure my 19 year old son, if he doesn't drive my wife's vehicle or my own?""

Do I have to insure my 19 year old son, if he doesn't drive my wife's vehicle or my own?""

Will a dropped speeding ticket affect insurance rates?

Car insurance questions?

1. if I have 5 years no claim bonus, can I use it on 2 different cars? different insurance companies 2. if my car insurance will ask for my no claim bonus will they return it or keep it? 3. lets say I bought a car for my dad, for his birthday but put my name as the owner of the car by mistake, can I just call DVLA to change the owner name before they send the documents to me? 4. which companies give no claim bonus for second driver? is it only Direct Line?""

Car insurance issues help wanted?

have a few issues I could really use some help with. The family car that I have been driving wasn't in my name but I was still covered on the insurance until one day I hit a mailbox with the passenger side mirror. The mailbox did not sustain any damage but the mirror somewhat did. I didn't call the police when it happened since the damage was extremely minimal. Anyways, then a couple weeks later a different family member (not the owner) had a little bit of a bigger accident when an animal suddenly appeared in front of the car forcing another accident. I have not had an accident in over 12 years but since I was mentioned after that second accident, I was also excluded from the insurance policy for that vehicle. The insurance cost is something like $158.00 per month but now they want the owner to add about $50 or $60 more per month EACH for the 2 people that were excluded because of the accidents.The car payment is about $415.00 per month and the insurance was $158.00 per month for just the owned which does not even drive the car at all but now they want an extra hundred per month for those 2 excluded drivers if they want to drive that car. Will this change if we switched insurance companies? And if I haven't had an accident in over 12 years, would it be possible to appeal that? Thanks in advance""

How much will my driving insurance be for 16 yrs old?

Drivers Age: 16 type of car: Toyota liability limits: uh... none, i think, once i crash the car goes.. comp & collision?: idk driving record: just got it today lol credit score: perfect =P zip code where car is kept: 43221 its a rav4 crappy car, i just need a ball park geuss... my parents r trying to make me think its a lot more than i no it is, just so i dont drive... and stuff, yea... thanks justin""

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Can I drive my car without insurance ?

Okay, so I've had my Chevy taho 1 year, i just canceled my insurance cause I'm about to sell it I'm living in California moving to Colorado so I'm gonna sell my car...I know in cali Seller must smog the car a 2nd time, but am i taking a risk driving it to go get it smoged? also.... i have not driven it cause I planned on selling it so it's also not renewed.... and to make matters worse I lost my tile, positive honest answers please =(""

Cheap No fault insurance for 18 yr old?

I wreck my car how much should insurance pay.?

96 toyota Tercel 2DR Maroon Automatic I just rebuilt the motor and transmission and it was was a total loss. A deer ran out in front of me I have full coverage. They only want to give me 1500. The motor has 600 in it and the transmission I put another 675 not 6 months ago it the thing was running fine before the wreck. I drove it 50 miles a day it got really good gas miliege.

How much is a 2010 Jeep Sahara cost a month for insurance?

Car insurance claim?

Around a month ago already my passenger side car window got shattered. It's still intact, just completely spidered out. I had been on my thirty minute break from work and parked near the grass side of my apartments. My window was actually rolled down half way too. While inside my apartments ( we live on the first floor very near to where my car was parked) I remember a guy mowing the lawn around the apartments. When I went back outside to go back to work I had saw my window. We know for a fact that the lawn mowing guy ran over a rock and it had hit my window, but we didn't actually see it. Again, my window was rolled down a bit so if someone wanted to break in they could have. I have called the apartments on several occasions and they said they would get back to me on the lawn mowing company so I can make a claim. Still never have. This was almost a month ago. What can I do? If anything since I didn't physically see it? I also only have liability coverage on that car.""

What do Republicans think President Obama health insurance is really about?

Do you think hes trying to give Insurance to poor people on welfare? Because they already have insurance, it's called medicaid. Do you think he's trying to give insurance to lazy people? Because MANY people have jobs that either dont offer insurance or they don't qualify. Perhaps they have preconditions. Also for college students who work part time jobs who don't get enough hours for insurance. Do you know that medical bills are the leading cause of bankruptcy and debt in America?""

Car insurance on a used car?

I am going to buy a used car from someone, and obviously I need to be insured to drive it home. Is there a way I can get insured for just that day or drive home, so that I can have the car before I do everything I need to with it?""

""Brother got speeding ticket in my car, does my insurance for my car go up?""

Renting an Apartment: Is this cost per month affordable for my budget?

The apartment's rent is $750 a month...I'm living with 2 other roommates, so we are dividing that cost three ways. We'll each owe $250 a month...plus electric ($35 - $50 a month), plus cable t.v. ($30 - $40 a month), plus WiFi internet ($30 - $40 a month). So all together, each of us will owe around $275 a month, roughly. I make $32,000 a year before taxes and health insurance...I make a $250 car payment per month, and car insurance is $1000 (+ or -) for 6 months. This is my first time renting (I'm 20), so I want to be sure that I can afford this apartment.""

What is a good insurance for younger people starting out?

I'm just about to turn 20 years old and I'm having tooth problems I'm looking for an insurance that deals with dental and if possible emergency and pregnancy. My fiance has insurance but to put me on it it would cost $300 a month we can't afford that. Please let me know if u have any in mind.. Thanks

Can I get insurance that isn't based in my state?

I currently live in South Carolina and I'm in need of a particular surgical procedure, and my current insurance provider rules the surgery as cosmetic when in fact, an orthodontist, dentist, and an oral surgeon all suggested that surgery is a good option for me. They've all told me the same thing, however, that the surgery is difficult to get approved. So I did a bit of research and only one insurance company in the entire United States covers the procedure (That I could find). But, this insurance (Kaiser Permanente) isn't offered in my state. It is however offered in Georgia, which is relatively close. So my question is, could I switch to Kaiser Permanente if I don't live in Georgia, California, or one of their other locations? It's orthognatic surgery, in case it's relevant.""

How can a college student find an affordable therapist?

I'm 18 and still under my parent's insurance coverage. I have loads of issues including social anxiety, and I think that I'm starting down the path to clinical ...show more""

Cheapest UK insurance for new driver with 6 point and zero no claim certificate?

i have checked but could not find a cheap UK insurance for a UK new driver with 6 points on license and zero no claim certificate. please suggest if one can think or know of.. cheapest i got so far is 2200. my age is 31 years. unluckily i got 6 points on my license .

What is the average cost of mobile home insurance in Florida?

Is it higher in different areas

What doctors or insurance that accepts MEDI-CAL CARE IN CALIFORNIA?

I LIVE IN SF IN THE BAY AREA, ANY DOCTORS OR INSURANCE THAT CAN TAKE THIS?""

How much insurance would be on a 600cc?

Im deciding on getting a 600cc, or a gsxr 600 around the 2004-2005 range. Im 21 years of age, How much do you think insurance will be for me? I live up in the woods so i know when your in a less populated town and out of the city insurance will be a little cheaper. Thanks""

Can I Get Temporary Car Insurance If I Dont Own The Car?

I have just got a new job, however, I need temporary car insurance for 1 month. My stepdad's friend is allowing me to use his car he has up for sale for this period. Can I get insurance if the car owners name is not on the policy? Any help would be apprechiated. Thanks.""

Car insurance?

i can't make the decision , i just got the car about 9 months ago , and i was paying the car insurance in full and full overage with my credit card, which my mom helped. because i was at school, rightnow i graduated, and i don;t have a job, i couldnot afford the full coverage on my car, i was thinking to go to third party. what do you guys think. i understand i will not be covered many things such as bad weather , flood , hurricane, and so on , if anything happened on the road, at no one's fault, i will lose my car, i was thinking that the odds of that. do you guys think i should go with the third party insurance?""

Can you change health insurance before surgery?

I have an Anthem individual health plan. It's kind of expensive but I haven't been working and really wanted to have health insurance. I just started a full-time job that offers health insurance benefits. They offer Anthem insurance similar to what I already have just at a much cheaper cost to me but I'll probably have to get a new policy number. I'm having breast reduction the 2nd week of August and I've already received approval from my insurance company for them to pay. However I want to get insurance with my job but I only have 30 days from the start of employment to enroll in their plan. I'll be calling Anthem next week to see how this will affect my surgery but what do you all think? Is it possible to change policies before a surgery that's already been approved? I don't want to miss the open enrollment with my company but I also don't want to risk having to cancel my surgery. Thanks!

Need insurance quote for 73 Mustang Mach 1?

I would just like to get an idea from a person who knows a lot about insurance at what I would be looking to pay. It's the long weekend here in Canada and no insurance companies are open, and I cannot get a quote online because of the year of the vehicle. What I am looking to buy is a 73 Mustang Mach 1. I am 21 years old. The car value is 15,000 It will be driven less then 1000KM a year No substantial modifications. I haven't had any speeding (or otherwise) tickets I will be the primary driver. Vehicle is in good shape Um any other details I am missing? let me know.""

Insurance for two vechiles with teen driver?

getting my license very soon and I want to buy a truck for many reasons but thats not important. With gas prices going up a pickup isnt the cheapest to just drive around so I also wanted a economy car. I was gonna buy a truck for around 5 grand and put that under my moms name and rank me as a restricted driver. Then get a beater civic for like 2500 insure it under my name and I would be the primary driver, and I could use that to drive to school and around town and use the truck to haul things and such. What would I be looking at in insurance costs""

What is the difference between term/whole life insurance vs accidental death insurance?

I'm trying to buy life insurance for myself and my mother. I read up on this survivorship insurance which sounded pretty good since I wanted something for my mother if I were do die first and vice versa. but most of the online quotes I saw were between spouses... But I got confused when I read about accidental death ins- does this mean I will not be covered if I die of an illness or old age- but instead must die of an accident such as auto or slip and fall?? secondly, would I get taxed on the interest earned on the universal/whole ins or when the policy is paid out/ surrendered?""

Why does my car insurance come up so high even when im 21 years old?

hi the car insurance has been destorying my life. I cannot figure out why car insurance in UK is so high, im 21 and i want to insure a 1.6 mazda 3 which is i think group 6 insurance. I HAVE CLEAN LICENCE!! no claims or any other other conviction and still the cheapest quote i get is 6000 hahahaha. thats ridiculous!!! like 2 years ago i use to get cheap quotes for same size cars at around 1000 now for some reason same thing costs me more!!!!!!!!!!!! i have tried everything but cannot figure out why this happening. PLZZ HELP ANY ADVICE WILL HELP SO MUCH. i have 0 years no claim discount but thats because i have been on my dad's policy but even then dont you thing 6000 quote is mad, even when i try insuring a littlle 1.0 ltr car quote comes out at 5000 lool""

Car Insurance In St Louis?

I just purchased a 2002 Mazda Protege today and I bought the car right out but now I'm looking into auto insurance but I have no idea where to go. I am looking to just get liability but doing online quotes is a lil' tiring because I really don't know what I'm looking at. Could someone tell me what is the best rate for auto insurance in St. Louis to go. I also have never had auto insurance before and have never had any priors driving anyone else's car.

How much is insurance for a moped for a 17 year old?

I wanna get a moped and im17 years old, can someone tell me the procedure of getting a moped,do i go for a test, and how much will insurance cost for a 50cc ped, thanks in advance""

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Arlington Virginia Cheap car insurance quotes zip 22243

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Arlington Virginia Cheap car insurance quotes zip 22243

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Hi guys just want a little bit of help or some advice from people who have been in my situation. I have currently just passed my driving test on the 04/01/2013 and I am now looking to get insured. I understand that insurance is unbelievably high. I am 18 in February 3rd and the the car I have is a 2009 Renault Twingo freeway 1.2, this car is not very fast and roughly around 3000. I have been quoted 2000 at the moment which I understand is okay but any tips, tricks or good insurance please help! also to add I dont mind being insured with a blackbox or whatever their called but may drive past 11pm on the odd day out of the week. Thank you""

What is affordable insurance for nasal fracture (nose broken) in Texas?

i'm looking for insurance that cover foe nasal fracture that i can affort..I live in Texas .. i look for the cost for the doctor, and it is too much to pay put of my pocket without insurance""

How much is car insurance for a teen?

i was wounding how much does car insurance cost for a 16teenyr old. can some one tell me and if ur just going to bullshit don't answer please just give me a number i don't want to hear 'its alot' and im about to buy a chrysler 300

""What is the cheapest car insurance place in the Farmington, New Mexico area?""

I've tried Farmers insurance and Geico. Both places quoted around $240-$280 every 6 months (or monthly payments). I did an online quote at Progressive and got a quote for around $180.00 (which was much cheaper). But I don't know if I filled the information out right? Oh btw, I'm trying to insure my 1995 Ford F-150 pickup. The insurance seems much more expensive on this vehicle than with other cars in my family.""

Is there an insurance that will insure me and not my car?

my friend had an insurance that insured just him for any car he was driving idk what it was called but it was only for ohio residents anyway(im in pa) ....how would it work?

Getting life insurance for my grandparents?

My grandparents are in their seventies - early eighties. Financially, they are having a tough time and do not have life insurance. As their grand-daughter, I would like to establish a policy that will be just enough to cover their final expenses. They live in the state of Missouri and I live in Minnesota. Would I be able to get a policy for them? What types of policy should I look at --term or whole life? What are your recommendations for insurance companies?""

Do I pay the excess on my car insurance when a claim is made against me?

I know that I have to pay when I make a claim on my car insurance, but im not sure if when someone makes a claim against me if I have to pay the excess in that instance?""

What are the best cars for insurance?

i am a 17 year old male living in the u.k. so far the best car i have found is a 1978 austin morris mini. insurance is 1600. btw, cars like saxo's and corsa's are around 2500 for me. basically, does anyone have any ideas for cars. i have already looked at putting my mum as a named driver, but it does not make much of a difference. any help would be brilliant, thanks""

Car insurance questions?

I was parked in front of my house and a lady came along and hit my car totalling it by the looks. I think I just signed up for basic insurance. Because she hit my parked car, is the towing and cost for keeping my car covered on my insurance or hers? And also don't know if I can get a car rental at all? And I was also wondering if the car is totalled will they pay me to get a new car? Or just pay me some money back for the car? It says under collision actual cash value. Thanks for any answers because I can not figure out what I have on this paper or if it goes on hers!""

What is the cheapest online car insurance where no deposit is paid? Morethan is no good. (UK)?

""Can a 16yr. old making $800 a month, afford a car that cost $24,000....parents payinng for insurance...?""

Can a 16yr. old making $800 a month, afford a car that cost $24,000....parents payinng for insurance...?""

Do Different Car Insurance Companies Really Have Different Rates?

I keep seeing ads on TV which claim this or that car insurance company is cheapest. Are they really that different, or is this just marketing?""

""Life, auto, and home insurance questions?""

The type of life insurance often used as mortgage insurance is: A. decreasing term. B. universal life. C. whole life. D. homeowners insurance. Expensive jewelry is usually insured by a(n): A. umbrella policy. B. replacement cost rider. C. policy floater. D. named-perils policy. The U.S. Congress added disability insurance to the Social Security Act in 19____. A. 35 B. 54 C. 65 D. 72 This type of auto insurance coverage would help pay your medical expenses, if you were injured by a hit-and-run driver. A. Uninsured motorist protection B. Comprehensive coverage C. Medical payments D. Collision insurance As a rule of thumb, experts say that most married people should carry ______ times their net pay in life insurance coverage. A. 2 B. 3 C. 4 D. 5""

What is the best begeners motercycle in Canada insurance and operating cost wise.?

Are cruisers cheaper to insure then sports motorcycle for the same displacement engines? And what are some good models in the market? Thankyou

Can I take my car to get repaired anywhere even if my insurance says no?

I got my window broken when someone broke into my car and I had an appt at the dealership where I bought to the car to get it repaired ASAP (and was going to) but my insurance nixed the idea. They said they wouldnt pay a dime if I did that. I HAVE to go to their suggested business. Now I have to drive to and from work with a taped up window for 2 more days till THEIR guy can fit me in. Is this legal??? It seems so unfair. BTW- I have Mercury auto insurance and I live in California.

Put my 17 yr son on insurance for '85 vette?

Is it possible to put my 17 year old son on the insurance for my 85 corvette? God blessed

""Where can I find affordable health insurance in Tucson, AZ?""

Anyone have any suggestions on inexpensive healthcare. I am disabled and we survive on my wife's income. Our current health insurance premiums are $1150.00 per month (it goes up about $150 per year). We are at our breaking point because we are soon going to have to decide what to cut from our budget (the house, food or health insurance). Because I am disabled no one will insure me. The insurance we have now we had before I became disabled so they can't kick me out. I'm afraid that if we don't have insurance something could happen to me, my wife or kids that would require a hospital visit and could run in the thousands or tens of thousands. I don't want to have to go bankrupt because I couldn't afford to have coverage. I had a stay in the hospital two years ago and the total bill was $60,000.00. the insurance covered all but $3000.00. If anyone has any suggestions I would appreciate it.""

What is the cheapest car insurance company right now!!!?

How can I report my neighbors for not having car insurance?

How can I report my neighbors for not having car insurance? My neighbors were both laid off from their jobs about three months ago. Earlier last week one confided in me that they were unable to pay for their car insurance and that they didn't know what they were going to do. I didn't take action then, because they were not working and rarely took their car out. However, the husband recently found employment and he has been driving the car EVERY DAY for the past week. They are nice people and we get along great, so it pains me that I have to do this. Who can I report this to? Should I just call the police station? Is there a way for me to verify that they were unable to pay for their car insurance (they were way behind in bills, so I doubt they covered it)""

Arlington Virginia Cheap car insurance quotes zip 22243

How much insurance is on a 2002 mustang gt on a 55 year old male?

""If i want lighter trnasportation like a motorcycle or scooter, how much do they cost?""

how much for insurance, my car is nothing but trouble, and really i would love to just have a scooter, how much for one?""

How much is New driver insurance for an 1988 chevy sprint?

Insurance Coverage Driving Another Persons Car?

Suppose you had to drive another persons car because they were incapacitated, etc. If you got into an accident with them in the car - but you driving, would the car still be covered under insurance?""

California low income health care aid?

just 18, college student, family currently on medi-cal am i still covered? is it until age 21? what are the ones that allow parental coverage until age 26? what changes will occur to the california healthy families and medi-cal programs with Obamacare? recently received letter putting me in emergency coverage only what does this mean to me and what i am covered for?""

Is it possible to obtain a learner's permit without having my parents' insurance rates go up?

I am a 16 year old in NY and my parents do not want me to obtain a learner's permit because they are afraid that their insurance rates will go up and they cannot afford it now. Now, a friend told me that I could go to the NY DMV without my parents and get a learner's permit. Is this possible? I would like a learner's permit not only for the ability to drive, but also as a solid form of photo ID (like, instead of a passport). What should I do about this? PS. My parents won't be convinced.""

Is it worth having private medical insurance if your in your 30s and healthy?

Insurance on Lotus Elise for 18 or 19 year old?

I want to get a new Lotus Elise when I am 18 or 19, but it really depends how much the insurance will be. I reside on Long Island, NY but when I get the car will be going to school in either Albany, NY or Tallahasse, FL. Some help? Thanks.""

I'm planning on getting affordable coverage for my dog. what would be best recommended?

okay well the question explains most of it. I'm currently doing some research on what company has the most afforable coverage for my dog. But there is so many to chose from: ...show more

Does any one know the fees for not having car insurance?

I got pulled over two days ago. I was driving my cousin's van and it doesn't have insurance. i got a ticket for driving without insurance.

Is Kaiser HMO a good health insurance plan to buy?

Here's the thing. My current doctor told me that he's leaving and he's going to Kaiser. I don't want to lose him so I my only way would be to purchase Kaiser. So if I already know the doctor I want, does that make Kaiser okay? What are the benefits and drawbacks of Kaiser Health?""

Cheap Car Insurance UK?

I have been looking at quotes for a while now and I keep on getting the quotes for around 3,000+, there is no way I am paying that. Before anyone suggests go on your parents insurance or get a provisional not happening, I want my own car on my own insurance 3rd party. Does anyone know any decent places where I can get insurance for 2,500 or less, it would be much appreciated.""

Auto insurance estimate for 5 points?

Hi i have 5 points on my license i live in Baltimore city and drive a 1985 Chevrolet corvette with historic tags insurance with it in my dads name is very cheap even with me as the listed driver but i think my insurance company some how missed that i have 5 points on my license so i am just wondering if anyone has any ball park figures as to what my insurance might be when they see that i have 5 points thanks.

Average Cost of Homeowner's Insurance for a home..?

that is appraised at 169,000 and bought for 166,000?""

How does liability insurance work?

I'm about to buy insurance & I know it's mandatory in te state of Louisiana to at least have liability. But how does it work? & if I let someone borrow my car are they covered?

Can a person get insurance on a car when the tag is in someones name?

can a person get insurance on a car if the tag is in someones elses name?

Will co op car insurance refuse to pay out?

Some idiot smashed into my car and write it off now co op car insurance are wanting a photocopy of the car log book before they send a cheque! Only thing is its technically in my ...show more

What kinds of life insurance should I have?

I'm 30 years old, and my love is 39. I have an AD&D insurance policy from work listing him as the beneficiary. What other insurance should I purchase? We do not have any children. Do not say we're going to hell, or that we are sinners. If you've read the bible and truly believe in it, then you should know about judging others and casting stones.""

Should I accept a $500 settlement from an insurance company for a stiff neck suffered in a car accident?

I was a passenger in a car accident two weeks ago. My only injury is a stiff neck. The insurance company of the at-fault driver has offered me $500 to settle. Should I accept it or fight for more (for example, by threatening to sue)? Should I see a doctor and bill the insurance company for that, even though I wouldn't normally see a doctor for this injury? I'm not really concerned about the seriousness of the injury; the pain will probably go away eventually. I just want to get the amount of money I deserve.""

Do you think car insurance should be mandatory in all of the United States?

I live in Wisconsin. Car insurance is not required for cars trucks and anything else on the road. I think this is wrong with medical and car repair bills being so expensive these days. Worst part about it is some of these non insured people drive like lunatics and if they do hit you they have nothing to even sue them for. I think it's disgusting.

How much will it cost to put a learner driver on my car insurance?

Insurance on Lotus Elise for 18 or 19 year old?

Why are pickup trucks so cheap to insure?

i went to go look at a truck that is 10 years newer than my ford explorer. it was a ford f150 even with full coverage its still lower. the insurance for the explorer is nearly $2,000 a year. and the f150 is $1800 a year even with a big powerful V8""

What percent of damage will Infinity Insurance total a car in california?

according to kelly blue book, car is valued at 15,660 for private party sale damages came out to 8,566 that is about 54% in damages i dont want to drive a car that is this damaged, because it wont be as safe, even after repair. if its not quite at their totaling percentage, is there a way i can insist or push the insurance into totaling the car? and would the fact that Infinity is a real cheap insurance effect their percentage to total?""

Can a landlord require me to carry renter's insurance?

I didn't hear about this until after I filled out a rental application. Evidently, I am required to have renter's insurance before I move in. In view of the fact that I have almost nothing of value, renter's insurance seems pointless to me, even if it is cheap. This has been more common in the last few years. Beginning about 10 years ago, landlords started this practice of requiring renter's insurance. IMHO, it's just a way of reducing the insurance costs for the landlord.""

Arlington Virginia Cheap car insurance quotes zip 22243

How much cheapest car insurance?

the details is correct in this link? http://www.insurancequote4mycar.com/

What is the best motorcycle insurance to purchase?

I have a motorcycle, and I'm looking to find insurance. I took the basic riders course that offers insurance discounts. What is the best and most affordable motorcycle insurance to get? P.S. My car insurance company doesn't offer motorcycle insurance""

How much would insurance cost for a 16 year old?

I want to buy a 1 year old camaro but was wondering how much insurance would cost for a 16 year old male. I need an estimate for the cheapest insurance. Even if the liability is really small.

How Much Is the insurance going to increase?

Today I hit a car :( and although it was minimal damage, he decided to report it. I wanted to know how much is the insurance going to increase. Take in that i'm not in the policy its under my mom's name.""

Will my children from a previous relationship get my husbands insurance?

basically myself and my 2 children were on food and medical assistance and i am now off it, i will be starting to get new insurance through my husbands work and so will our child in common...but i have 2 children from a previous relationship. im not sure if they will need to have my insurance or if they will still qualify for the government medicaid since there father pays child support.""

Question about unemployment Insurance In california?

I have to send my form on the 12 of december. If i dont send it by that time.say about a week later will it be a problem? when is the latest i can send it through the mail? anyone know?

I got a car insurance quote from State Farm that?

is double that of the quotes I got online (from brokers). Is it better to go with State Farm or one of the cut rate insurance companies? I mean in the event of an accident and getting paid. I also rent a lot of cars and will be using the insurance I buy for those. And, not get the insurance that the rental companies over charge for.""

A break in car insurance between my old and new car?

Hi, Tomorrow my current car insurance with my S reg corsa is due to expire at 12:00pm (Noon) now I have decided not to bother renewing this as tomorrow night I am going to buy a new car for which I have already put down a deposit. Now I have been told I cannot insure this new car now as I don't own it yet, but im worried that if my car insurance has a break in it then it will affect me - I currently have 2 years no claims and don't want to loose this - does anyone have any knowledge of what happens in the situation? Also with me not being able to insure the car until i own it, how do i go about getting the car back home from the showroom? Please helpppp""

How could car insurance cost more a month than the value of the car?

Yes I'm under 21, No I don't have a single ticket , or driving violation . How could insurance on a 500 dollar cherokee cost 290$ a month? In two months thats the value of the car! Its BS there has to be a way to get insurance for cheaper than that. Anybody know of any place? And please don't say Classic insurance as all of them you have to be 25 or older.""

What's the best auto insurance?

What kind of insurance do you have? Is it cheap?

Does anyone have Traveler's Auto Insurance?

I got a quote from a travelers auto insurance agent thats a good $75 less a month than what im paying now to progressive. The coverage isnt even bottom of the line either, its all the recommended selections. Anyone have any experience with them?""

Best car insurance for over 60 male?

Had a DR10 drink driving in 2009. (Long story and yes should not have done it but) Require best option for fully comprehensive covering legal etc. Any idea of which car insurance company is best?

Must all drivers in New York have insurance?

if so then what would be the penalty for not having insurance? & is there a minimum amount of insurance that must be carried?

Uk car insurance help?

hi i'm 18 years old and i'm getting a car, obviously it needs car insurance can you give me any tips on what to do to get cheap quotes... i'm currently the only 1 in the family that will actually drive, my mum doesn't drive, no dad and when i went to sites like moneysupermarket and confused.com all i get are 4,000 pounds up!!!! per year, dam its a lot more expensive than the car!!! and can u please explain to me what no claims discount is?? and which cover should i get, comprehensive or the other options thank you!""

How does car insurance work in Canada...?

Your rate start at +43%, NOT 0, correct? People under the age of 25 are more expensive because (because they're group has a higher statistic of accidents and yadda yadda...) they are a new driver and they are starting at +43%, correct? But are NEW drivers OVER the age of 25 still starting at +43%? Or the day you turn 25, you go from +43% to 0%... because that doesn't seem likely, but that is how the majority of people explain new driver's insurance. Also what is the average yearly deduction rate? I would assume around 2% on average? ***The +43% is based on ICBC's website (They said that is what ever driver starts at) ***It is +43% of whatever insurance you chose for your age, etc, and then 43% ADDED on, correct? Sorry for the ignorance of this question, but I don't live with my parents and am finally looking into car insurance. Besides, there are no bad questions, right? LOL. Have a good one and thank you!""

How much is insurance if...?

I am 16, female and driving a sports car [[camaro]]? please give an average for texas and several different companys!""

What is a cheap car insurance company in New Jersey?

I am only 20 yrs old.

New Jersey Car Insurance Question.?

Knowledgeable Jersey Residents only please! I have recently moved to Jersey, and I am having heart feailure over the cost of car insurance. It is almost DOUBLE the cost in any other state where I have lived. (CT, FL, NY, SC) (I have NO tickets, NO accidents) Also, I was told today that there is yet ANOTHER rule/law in Jersey that states that any family member who lives with you (whether they are under YOUR insurance, or their own insurance) makes you liable in case of an accident. In other words, if my adult daughter (who has a poor driving history) gets in an accident--I COULD BE SUED.....EVEN if she has her own car, and her own insurance. CAN THIS BE TRUE???? It is very important that I get a straight answer, as it will drastically affect my ability and desire to stay as a resident in New Jersey.""

""What type of Life Insurance is best for my husband and I? (We just purchased a home, we are both 23 years old)""

My husband and I are both 23 years old and we just purchased a home. We have been under pressure from our Insurance Agent and our Mortgage broker to obtain Life Insurance in case something happens to one of us. We would like to have coverage in case something happens. I know the importance of Life Insurance, as my mom was killed in a car accident when she was only 38. So, we want to be protected, and we want our house to be safe. We are pretty much clueless when it comes to Insurance policies. I ALREADY LOOKED UP THE INFO ON WIKIPEDIA, SO PLEASE DON'T GIVE ME MORE OF THAT. I want opinions on what the best kind of Life Insurance is for us. Term (but if it is a 30 year term, does that mean when we are for example 54 and something happens after the 30 years, we aren't covered???) or Permanant (whole life, and others). We didn't like the decreasing term policy our agent showed us. We have gotten 2 quotes for Term Life. Help us make an informed decision!!! Please!""

How much does it usually cost to insure a big (600cc and above) motorcycle?

How about a 250cc? Or does it depend on the type of bike I have?

Mega life and health insurance?

What is the location of Mega Life and Health Insurance?

Need SR22 insurance quotes?

I'd like to have an idea of the total fees for SR22 car insurance. If I can get a price range that would be great! thanks.

How long do I have to report an accident to an insurance company in California?

If I was in an accident in California how long do i have to report it to the insurance company so that they will cover it?

Can i get insurance at 17 in my name?

What is the cost of insurance for a bugatti?

Arlington Virginia Cheap car insurance quotes zip 22243

https://www.linkedin.com/pulse/how-much-would-my-motorcycle-insurance-cost-jayden-crosby/"

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themoneybuff-blog · 6 years

Text

Case study: Starting with less than zero

I am not a trained financial expert. Im not an accountant, Im not a financial planner, and Im not a stock broker. Whats more, Ive made many many money mistakes on my own financial journey. As a result, Ive always been reluctant to sit down with people and go over their budgets. That seems to be changing. In March, I spent a couple of hours talking with a friend about her financial situation. A few days ago, another friend asked if Id be willing to meet with him in the near future to puzzle through his budget woes. And yesterday, I took three hours to chat about money with my friends Wally and Jodie. As always, Ive changed names and certain identifying features in the story that follows. Unless I have explicit permission to share details, I do my best to protect peoples privacy when I write about their intimate financial lives. Wally and Jodie have recently begun dating. Hes in his early forties (and recently divorced); shes in her late twenties. They both work in food service, and have done so all of their lives. Their trouble and the reason they asked me for help is that they cannot seem to make ends meet. They work hard but never have anything to show for it. In fact, they feel like theyre falling further and further behind. Can you help us? Wally and Jodie asked. I can try, I said. Lets look at your numbers. An Income Problem To start, I said, lets look at how much youre bringing in. Thats part of the problem, Jodie said. We dont have a fixed income. Because most of our money comes from tips, we cant predict how much were going to make from one month to the next. Right, said Wally. And it doesnt help that our hours are irregular. We both work at several different restaurants. Some pay better than others. Plus, there are days when you wont have any customers. When that happens, youre sent home early with nothing to show for it. Well, how much would you say you make on average? I asked. Wally and Jodie made some calculations. I make maybe $1400 per month, Wally said. On a good month, Ill make $1700. And Jodie makes another $1500. These numbers are after taxes. Jodie nodded. But we each just picked up a shift at a new restaurant. That should give us each maybe $500 extra each month. Thats great, I said, jotting down numbers in my notebook. But I dont like looking at potential numbers. I learned the hard way that when you budget based on future raises, bonuses, or other expected sources of income, you can get into real trouble. Obviously, you hope that extra money comes through, and when it does, you can apply it to your budget. Until then, though, its best to ignore it. I thought for a moment. My first impression before we even look at your spending is that youre not making enough money. Youre making less than $3000 per month combined. We should brainstorm some ways you can earn more. Starting with Less than Zero I turned a page in my notebook. Now, lets talk about how much youre spending. Thats the problem, Jodie said. We spend exactly what we bring in, no matter how much we bring in. That means theres never enough to catch up on our debts some of which were behind on. What are your biggest expenses? I asked. Well, our apartment costs $900 per month but itll go up to $950 pretty soon, Wally said. Not bad, I said. Thats actually a great price for Portland. And its a reasonable amount based on your income. I explained how the average American household spends one-third of its income on housing; I advocate aiming for 25% or less. Food costs money, Jodie said. We budget about $100 per week for groceries, but thats just bare bones stuff, you know? I have a car payment, Wally said. In fact, thats one of our biggest problems. I took out the loan when I was married. My ex-wife and I are both on the loan. It seemed reasonable at the time. Now, though, its a pain in the ass. I owe $12,500 on the car and payments are $300 per month. To make matters worse, Im already a couple of months late on my payments. This is causing me a ton of stress. It makes Jodie stressed, it makes my ex-wife stressed, and it makes me stressed. Hm, I said. I dont have any experience with getting behind on payments. I used to live paycheck to paycheck, for sure, but I was lucky. I never had an accident or got sick, so I was always able to make payments on time. I dont know that I have any good advice for you about this problem, but maybe some of my readers at Get Rich Slowly could help. Wally nodded. Honestly, thats one of our biggest frustrations with the money advice weve found, said Jodie. All of it assumes that youre starting from zero. Or more than zero. What if youre starting with less than zero? What if youre deep in debt we have $35,000 in debt, just like you used to and what if youre behind on your payments? What then? All of the advice we read seems to be written by rich people for rich people. Yeah, I can see how that would be frustrating, I said. Like I said, I dont have experience starting at less than zero. I started at zero. I was deep in debt, but once I stopped spending, I already had a gap between my income and spending, so I could immediately start paying down debt. You two have some catching up to do. We need to figure out how you can play catch-up. A Mountain of Debt As we worked through their budget, I was mostly impressed. While Wally and Jodie arent bringing in a lot of money, theyre not spending a lot of money either. As with most budgets, they did have some discretionary items that could be cut, but not a ton of them. (Their biggest discretionary expense seems to be local travel. Theyre spending a couple of hundred dollars each month to visit family and/or have fun with friends.) My biggest concern was their debt. Between the two of them, they have $35,000 in debt: $12,500 for Wallys car, on which hes upside-down. (I wish I could just sell it and wipe out the debt, Wally said. But Id still owe about $3000 if we sold it.)$12,500 for Jodies student loans.$10,000 of miscellaneous debts, such as $500 they just spent to buy new tires after getting stranded because of a flat. To complicate matters, Wally and Jodie are going through several large life transitions right now. Wally is fresh from his divorce, they just moved in together, theyre both trying to find permanent full-time jobs, and theyre thinking about moving to a cheaper place to live. So, thats our situation, Jodie said. For good or ill, thats what we have. Where do we start? How do we get out of this mess? Well, I said, the good news is that I think youre both capable of working together to build a brighter future. The bad news is that its going to take some time. Its also going to require some sacrifices or what seem like sacrifices. If you want to fix this, youll have to do some stuff that sucks in the short term. But I want you to remember: Most of these sacrifices are temporary. Theyre only until you manage to get rid of the debt. I read what you wrote about growing up poor and having a scarcity mindset, Wally said. I totally relate. My family was poor too. Any time my parents got money, they spent it. They felt like they deserved to treat themselves because theyd gone without for so long. And looking at my own life, I see that I do that too. Thats a tough trap, I said. I totally relate. And I know first-hand how when youre poor, you feel like any windfall should be spent on fun. But if you want long-term happiness and financial stability, you have to decide that for a year or two youre not going to give in to that temptation. When you get a bonus or a raise or a big tip from a table at work, youll put that money toward your financial goals, not toward a nice dinner out. Once you get rid of the debt, you can have all sorts of nice dinners out. But until then, you have to agree to make a game of living on less. Growing the Gap I want you to focus on two things, I said. The first thing is the gap between your earning and spending. Right now, you dont have a gap. Youre spending exactly what you earn. Its impossible to save for the future or to catch up on your debt if you dont make more than you earn. So, to start, you two need to do whatever you can to increase this gap. I turned back to my notes on their budget. You should trim your budget in whatever way you can. You dont have a lot to trim, but if theres anything you can cut, cut it. I know family is important to you, but maybe you can explain what that youre trying to get out of debt and need to take some time off from the visits. Or maybe make the visits shorter a weekend instead of a week. And remember: Youre not cutting these things forever. Youre only cutting them until you get rid of your debt. Wally and Jodie nodded. Because you dont have a lot to cut from your budget, I continued, I think the best way for you to increase your gap is to find ways to earn more money. Right now, youre both working at two or three or four different restaurants. You only have a few hours per week at each place. None of the restaurants are that nice, so you dont make great tips. Honestly, I think this is where you should focus most of your attention. Wally sighed. Weve talked about that, he said. Wed love to earn more, but nothing ever seems to work out. One place says its going to give us more hours, but it never does. Jodie will pick up a shift a nice restaurant across town, but then its a logistical problem to get there. I get frustrated by how much time is involved with all of this. Thats a good point, I said, and I dont have a good solution. Actually, you know what Id do if I were you? Youre both great servers. You do good work. Your bosses like you, and so do your customers. If I were you, I wouldnt be looking for work at diners and cafes. In your spare time which I know isnt much you should be applying for work at upscale places. When you work at a nicer place, you dont do any more work, but you make a lot more money. Plus, you have the advantage of interacting with a different sort of clientele. If you build relationships with some of them, who knows where that could lead? When I was in college, I made money by waiting tables. I received several job offers from regular customers who were impressed by my work ethic. I suspect that if Wally and Jodie were in the right environment, theyd experience the same kind of thing. Another option is to pick up a few hours work doing something completely different, I suggested. Maybe Jodie could work in a womens clothing store. Maybe Wally could do yardwork or handyman stuff. I think we get where youre going with this, Jodie said. We need to increase the gap between our earning and spending. Because we dont spend a lot, the best way to do this is to earn more moneysomehow. Yep, I said. Thats the gist of it. Thats the first thing I think you should focus on. Taking Baby Steps The second thing you should tackle is your debt. I know you both have things you want to save for long term, but I want you to put those dreams on hold for now. You cant save for your future until you pay off your past. My dad tells me I should save first before tackling the debt, Jodie said. He says I should build six months of savings before anything else. What do you think? I disagree, I said. I think saving six months worth of expenses is a fine goal, and thats absolutely what you should aim for. But thats not where you should start. As you increase your gap between earning and spending because remember everything depends on this gap I think you should apply your money according to the Dave Ramsey plan. Here, Ill explain. I made a modified list of Dave Ramseys baby steps: Build a basic emergency fund of roughly $1000 (while continuing to make minimum payments on debt). My advice is to keep this fund in a brand-new bank account that isnt connected in any way to your other accounts, I said. You want to make this easy enough to access when you need it, but not so easy that you can just access the money on a whim.Pay off all debt using some version of the debt snowball method. When I was struggling, I couldnt figure out how to get out of debt, I said. Dave Ramseys version of the debt snowball helped me. In your case, Id use a slightly different version. Wallys car seems to be a huge psychological weight. You two need to prioritize that. After youve saved your emergency fund, throw as much money as you can at debt with everything extra you can find going to that car.Save an enhanced emergency fund equal to six months of normal expenses. After youre out of debt, beef up your savings. I know youll want to start saving for other goals right away, but dont. Take time to add some margin to your life. Youll be glad you did.Pursue long-term financial goals, such as traveling, moving to Idaho, or buying a motorcycle. You know whats awesome? I said. After youve taken time to pay off what you owe using the debt snowball, then you can immediately start building a wealth snowball. If youre paying $500 toward debt each month, then once that debt is gone you can immediately start saving $500 per month! That all sounds great, said Wally, but to be honest, J.D., in some ways your advice is just like the other advice. What do you mean? I asked. Well, its assuming that were starting from zero. But were not. Were starting with less than zero. I have an idea, said Jodie. What if we added a step zero to the baby steps? We could call it putting out the fires. Before we save the basic emergency fund, we could throw every dollar toward catching up on the car payments. I think thats fantastic, I said. In fact, I think thats really smart. If you can take some quick steps toward increasing your gap between earning and spending, then you should be able to get caught up on the car within a few months if nothing goes awry. Then you can pursue the plan Ive laid out. Wally nodded. I think that makes sense, he said. Final Thoughts After three hours on the back deck, I sent Wally and Jodie home with a handful of money books. I could tell their minds were bubbling with new ideas. (Is gas for the car a Want or a Need? Wally texted me yesterday afternoon. I love it!) I know that Wally feels frustrated. He hates being over forty yet feeling like hes in the same place he was when he was twenty. I get it. But heres the thing: He has to adopt a beginners mind. Start where you are, I wrote in January. Dont fret about the past or how other people are doing. Wally needs to accept that his situation is what it is and work to improve from that point. Knowing what I know about these two, I really do believe theyre capable of starting where they are starting with less than zero and destroying their debt in a relatively short period of time. It took me 37 months to get out of debt. (I started on 21 October 2004 and finished on 03 December 2007. Thats a total of 1139 days to pay off $35,196 in debt.) Progress was slow at first, but accelerated rapidly toward the end of that period. Wally and Jodie have exactly the same amount of debt as I did when I decided to become CFO of my own life. My challenge for them is this: Get out of debt quicker than I did. Do it in less than 1139 days. If we count yesterday as Day One, then 29 September 2021 would be day 1138. Wally and Jodie, my hope for you is that together you can be debt free by that date or sooner. What advice do you have for Wally and Jodie? What can they do to improve their financial situation? Did you start your financial journey with less than zero? Have you ever fallen behind on payments? If so, how did you handle it? How did you caught up? https://www.getrichslowly.org/less-than-zero/

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themoneybuff-blog · 6 years

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Case study: Starting with less than zero

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themoneybuff-blog · 6 years

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Case study: Starting with less than zero

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