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August 19, 2016, 9:35 amBuilding wealth part 3
So far we are not talking income.
Make a list of all your weekly and monthly income.
Compare what you bring in to what you have to spend out.
If you're paying out more then you bring in, you are in debt, if you're breaking even, you will never get ahead.
If you have money left over, you can start saving.
Let's talk about saving on those expenses.
The gas bill. Because I live in Michigan it can get really high in the winter.
Some people do a budget plan, that means the gas co. averages your yearly bill and you pay the same amount every month.
Example, my sister in law is on the plan, let's say she pays $120 every month.
My bill for July was $32, there is no way I'm forking out extra, I know when it gets colder, my bill will go up.
The money I am not using for gas, goes into the emergency fund and earns interest, not much, but better me then the gas co.
At our house we have the hot water tank, stove, dryer and furnace on gas.
Using these appliances with a little savvy can help out.
Let's start with the water tank, I keep it on the lowest setting, we are in and out shower takers, if you take long hot showers, you are spending more. Cut back just a little and the savings will add up. I love to take long hot soaks so I know sometimes you just need that time to yourself.
Laundry, sometimes, especially for socks ,towels, you need hot water, I don't just wash in cold, most times I use warm,
really depends on what I am washing.
Inspecting your water tank, many times older ones rust out, every 6 months take a peek, if you see a drip, know that a major basement flood is well on it's way .
Also a good idea to have a smoke detector with a carbon monoxide detector on it.
Your Dryer, keep your lint trap clean and the pipes that lead outdoors. Not only will your dryer work more efficiently, you may very well prevent a fire.
Major cause of house fires, smoking, candles, furnace, dryer stove, Christmas trees, poorly maintained electrical wires.
Big Joe your booky, just kidding.
To clean your lint trap, remove lint, you can spray it with lime away to dissolve soap and fabric softener build up.
To clean your pipe leading out doors, we just unscrew ours and I vacuum it out.
Well, just got a phone call will continue this tomorrow, I got to go.
August 18, 2016, 9:23 amBuilding wealth part 2
Time to make a list.
I have a 5 subject notebook, I can get 2 years of data in them. I have 8 of these books.
Quick story, before my son was born we didn't pay much attention, just paid our bills, put money in savings and our retirement funds.
I had credit cards galore and when my son was born went crazy using them. Learned a hard lesson real fast.
I now only have 2.
Here's How I list my monthly expenses, I list them in order by due date, I only list bills that are monthly and I have a misc . list.
Gas co $25
Electric co $180
Cell phone $ 80
Water $ 154 These are not real amounts, just examples and I'll tell you why.
Cable/ internet $ 152
Mort/ Rent $ 500
car pymt $ 174
car insurance $ 220
Grocery $ 700
credit card1 $230
credit card2 $ 102
Cash out $ 200 Cash we keep for , gas/lottery/whatever.
Adjust your list to suit you needs, these are not real numbers for my household, it is not my intention to let you in on my finances, just to help you think of something you may not have thought of.
If you add the list, it comes to $2517 this does not include the cash.
Some people get paid every week, some bi-weekly.
according to the list you need $629.25 to go into checking every week.
Because I have past data, I can go look at Sept. 2015 and know what I paid for bills that fluctuate , like gas/elec/water.
I already have September 2016 ready, on my list looking from last year, I see I will be writing checks to my son's HS for various things.
If you have bills, that are not monthly, like license tabs...our birthdays are January and June, so I add them to my list in December and May. It is easy to forget these things, so keep a list you can fall back on.
Being organized is your first priority to yourself. When you see it written you get a higher sense of where your money goes.
Now there are the Misc things, health co/pays dentist co/pays, oops need a water heater, all the little things that come up that you can't really track until they happen.
We have 2 types of Savings, one for emergency and one for long term.
This doesn't happen overnight either you have to work at it.
So many are living check to check, when a bill comes due they have rob Peter to Pay Paul and it doesn't have to be that way.
People get laid off, get hours cut, get sick, hurt, have to care for an elderly parent, all kinds of stuff does and will happen.
Getting your bills under control is first.
My next post will talk about all the bills I listed and some tricks to help you reduce them.
You can't start and emergency savings until you get control of the money eating machines.
August 17, 2016, 8:51 amBuilding wealth Part 1
I really should have called this creating financial stability, I see so many living check to check and making bad financial decisions.
Hopefully I can help just a little.
First , Do you think about your old age? You are going to get older and Social Security may not be enough to get you through monthly expenses.
Do you have a savings account? I hear so many people say they don't because it doesn't pay much.
That is not the point of saving. If you have no interest in saving your money, stop reading now.
Many of us are here because we love the lottery, if your waiting for a big win, it's time to rethink your priorities.
Have you ever asked yourself, where do I want to be in 10 years?
Do you have goals? Do you have an IRA or 401K, Stocks, bonds or other investment income?
Do you really pay attention to those monthly bills?
Do you really know how much of your money is wasted on impulse buys ?
Are you drowning in loan or credit card debt?
Are you living well beyond your means?
Many households only have 1 or 2 sources of Income....not good.
Creating more then 2 sources of income takes time, doesn't happen over night.
If you are using credit cards as a source of income, you will never get ahead.
Do you know how much it cost you to live last year? Do you know how much it will cost you next year?
Like I said, you will get older, unexpected things happen.
Chew on all these questions, ask yourself if you really want to take the time to track your money, because if you are willing, you are already ahead of the curve.
You can have so much more by being conservative with your cash.
If you are serious, go get a couple pads of paper. My next post will be tracking monthly expenses.
In the mean time, spend the next couple days writing down everything you buy, after a couple days look at that list and ask yourself, Did I really need that crap? If you see things you didn't really need, your ahead .
We are bombarded with ads, people wanting our hard earned cash.
Self control will be a big part of getting and staying ahead.
August 4, 2016, 2:04 pmRemember to thank Hillary.
So our favorite girl ( sarcasm) Hillary wants to raise taxes on the Middle class.
The average for middle class are those making between 50,000 and 250,000.
The nation average is 55,000.
With health care insurance and medical bills going up, food, property tax, everyday goods and services.
Car insurance, home owners insurance, dental insurance, renters insurance, boy do we pay a lot for insurance.
She doesn't say she'll raise taxes on the rich, and she doesn't say what she'll use the taxes for.
Just that the middle class has to pay their fair share.
Mind you 47 % pay no Federal income tax and get child credits, they get nice big tax refunds for money they never paid?
So, I guess many in the income level will be making hard choices.
If you have to stop magazine subscriptions, tell them to thank Hillary.
If you have to return your leased vehicle and become a one car family, remember to have them thank Hillary.
If you have to get rid of cable, or down grade, Remember to tell them to Thank Hillary.
If your like us we have 3 cell phones, thanks to Obama we already got rid of the land line.
So , when you shut a phone off, remember to tell them to thank Hillary.
In fact you can send notes to all your favorite restaurants, tell them you won't be in thanks to Hillary.
Not buying meat, you can tell your butcher to thank Hillary.
Not using your credit card, drop them a line and tell them to thank Hillary, or worse, you now have so much debt you have to file for bankruptcy, let them know they can thank Hillary.
Have to go sign up for food stamps, thank Hillary, and oh oh, another tax increase to cover all the new mouths to feed.
At some time we will reach a saturation point, we will in fact collapse, and at some point even the rich cannot survive, because they don't have a working middle class.
July 30, 2016, 8:05 pmZika Virus
This is a Mosquito born illness.
Symptoms include, Rash, Muscle aches, Fever, Joint Pain.
There are currently just over 1200 confirmed cases in the US, 4 of them are now considered American contracted, that means these 4 people did not travel outside the US.
These 4 cases are in Florida, 2 in Dade Country and 2 IN Broward County.
Zika is also transmitted through blood and body fluids, you can contract it through Sex.
For most healthy adults, the symptoms are not very severe, but a pregnant woman can pass this to her unborn child and this will cause very severe birth defects.
Things you can do...
Where mosquito repellent, even during the day.
Get rid of all standing water near your home.
Spray your around your home.
Do not feed the birds and squirrels, Mosquitos will be drawn to these animals, feeding these animals also invites rats and mice. They can feed themselves.
If you own pets, make sure they don't bring mosquitos in on their fur. If they have an outdoor water dish, empty every couple hours and give them fresh water.
July 15, 2016, 7:02 amYes he does want to be President.
Another attack in France, Our weak and failed leadership is refusing to call it what it is, Islamic Terrorism.
France has been hit hard, we have been hit hard, We most certainly will see another Orlando, we cannot sit by and wait.
As President, Trump said he would call on NATO ( The North Atlantic Treaty Organization). There are 25 countries that are our allies , He would call on them to stop the terrorism and wipe this very form of brutal terrorism off the planet.
LilIdiot would have you believe he would just Nuke em, that is not the way this would be fought, as they are all over in pockets, the largest concentrations in the Middle East would be wiped out by Air Attacks, which is what odummy should have done, instead he let them spread, called our troops back, and let the bad guys get our weapons, tanks, trucks, ammo, medicine, and all kinds of other military supplies left behind. Still don't need nukes for that.
The little terror pockets all over the world would be found out through intel, this is where NATO works together to share, find, and arrest.
Lilsplodeyhead is irresponsible for spreading unfounded fear.
Mr. Trump was asked about Nuclear weapons, his response was that he would not take them off the table.
No we cannot surrender our weapons as a Nation as we have many countries who are building a massive arsenal of their own Nuclear Weapons.
July 7, 2016, 2:50 pmWhy I refuse to vote for Hillary.
I do not trust her with the well being of Americans.
June 15, 2016, 9:14 am"Homegrown" For Dummies.
I'll try to keep this simple, so all the so-called Patriots can follow along.
Analogy, if you want Lavender to grow in Florida, you plant it there.
If you want it to grow in Minnesota, yep hopefully you guessed it, you plant it there.
Same applies to Radical Islam, for all you so-called educated Patriots who understand everything the left wing rags tell you. I will give a brief World History lesson.
Divide and Conquer, Military leaders throughout history have practiced this tactic, Sometimes it's works. sometimes ( Just ask General Custard) Elmer Fudd laugh... it doesn't .
This means you split you forces, right flank , left flank, box your enemy in the middle with no where left to run.
Now pay close attention Patriots, Islam's Mantra, their one true goal is to make the WHOLE ENTIRE WORLD ISLAM...UNDERSTAND ANY OF THIS?
Now for centuries they have practiced Divide and Conquer with the skills of a master. They are very good at these tactics because from birth this is what they are taught ,that the entire world should be Islam.. Generation after generation.
Making the world Islam is a slow and tedious process, But those darn Christians and Jews just keep breeding.
How does this pertain to the United States? We were born a Christian nation.
We grew hard and fast, became a world leader at a very young age.
So how does Divide and Conquer work here? Very slowly. You start planting, remember the Lavender analogy.
You divide your forces, you send the very Passive and Loyal to make claim.
Patriots, pay very close attention to the next couple of sentences, You open businesses, have kids and learn our laws and how to use them to full advantage.
You then start passively complaining about Christmas, Easter, Pledge of Allegiance in the school systems.
Removing Jesus and God as we believe is paramount. Cry Hate and discrimination to get what you want.
Even though we believe in Democracy, that majority rules, because of the crying, 1 kid over-rules the other 10,000 kids. Hence you destroy a belief system.
Now for Anchor babies, for some reason people only apply this to Mexicans, sooooooooo not true.
Growing up in Michigan, the largest Muslim population in the States, I can tell you on first hand knowledge, That Middle Eastern women have been coming here for years to give birth, they don't live here and have no intentions of staying, they give birth to their new American baby and Leave, this has been going on for close to 40 years in large quantities. There are millions of Anchor babies.
Patriots, are you understanding how his new Homegrown Terror has evolved?
Take a look at who would love to disarm us? Look at who is spending the money and supporting candidates who would help this cause.
May 17, 2016, 8:48 amNew Kingdom
We've decided we are no longer humans.
We are going to become part of the Plant Kingdom, you know what that means, yep! special bathroom considerations.
My husband has decided to become an Oak Tree, his new name " Hardwood". He will require a skylight in every bathroom, He also wants all lumberjacks to check their chainsaws at the door. Basically a chainsaw free zone.
Our son "Acorn" Wishes to see a severe ban on Deer and Squirrels in American potties. Please, I don't want to see my son eaten by wildlife.
I've decided to become a Fern, Just call me "Fern", I will require misting, and re-potting from time to time, I would also like to see a generous supply of Lady Bugs in every American Bathroom. If you ever had Aphids crawling on you, well let's just say Aphids suck.
Our neighbors don't feel like humans anymore either, in fact , they have decided to become aquatic Animals.
Bob, he's a Dolphin now, Linda's a Sea Lion, Little Johnny is a Walrus and their daughter Mandy is a Penguin.
Every American bathroom will require, Ice, Sea Water and Shark patrols.
My brother Steve has decided to become a Vase, wth, that's just crazy, go back to bed Steve.
My Sister Tina and her husband have decided to become insects, she's a Spider and He a fly, Her poor husband doesn't see it coming, but what a great defense!
Welcome to America, You can be anything here, and we will get those bathrooms PC for everybody.
May 9, 2016, 1:48 pmTransgender Bathrooms
Transgender Bathrooms, I see a red line under Transgender, not even a word.
Not to be confused with uni-sex Bathrooms, usually a one toilet public bathroom anyone can use, comes with a lock.
Don't care if you are male and want to dress up like a girl, or if you are female and want the butch look.
For most of us using the restroom is the most private part of the day, not to be shared with strangers.
But, when nature calls, you must answer, and yes sometimes it means using public toilets.
Now all across the country we have using the bathroom as an issue.
Men dressed as women want to use the little girls room, wtf........you are still a male.
States are coming up with laws, and now the divide and conquer plan is in full motion.
Your a hater if you don't want some guy in the potty with your Mom, daughter, grand daughter etc.
Can't be a hater, must cave into PC ASAP.
Your an idiot if you think this is okay, you are beyond help, why hasn't nature selected your gene pool out of existence yet ?
Keep up with this and here are probable scenarios, Pedophiles using transgender as an excuse...think about it.
Those guys who walk around the department stores taking pictures under women's skirts and dresses, I guess the pictures will be more exciting from a bathroom stall. You really want to take the chance on some pervert using transgender as an excuse to violate your most private moment?
Remember, many of these weirdo's share these pics, you really want your little girls picture on the net with her panties down around her ankles. think about it.
This BS is opening doors for all the wrong things.
Last Edited: May 9, 2016, 1:53 pm
April 14, 2016, 2:20 pmBlashill, Are you really that clueless?
Round 1, Wings lose to the Bolts. Okay it's just one game.
What did I notice? Every time Larkin took the ice he was a major target, every single Time.
The bumps and bruises and quite possibly a serious injury, NOT TO MENTION HOW THIS CAN MENTALLY WEAR ON HIM!
Yes he's a Professional Hockey Player, but he is still a rookie, so what do you do? You go on T.V. and point out his mistakes, boy are you dumb, loose lips sink ships!
Just maybe during the playoffs you keep mistakes private, you act like he's making mistakes to embarrass you, wth?
Your job is to help keep his mental game going, keep your players in their zone.
I not only want to see Z drop the gloves on you, but now I think every time you open your mouth and say something stupid you can get Kronwalled.
Our team can win, you think you're going up against your golf buddy, think again.
You need to think bigger, you want to win, you get in Yzermans head, He's got more experience than both you golf buddies put together, He not only knows the game. He most certainly knows how players think, during the ups and downs. He most certainly remembers being a rookie with a target on his back.
Now get to work and keep your mouth shut.
March 7, 2016, 1:26 pmFire Blashill, yep I said it.
I was really rooting for you Blash, you're from my old stomping grounds the Soo.
I was one of your biggest supporters, but......
I realize I'm just a girl, What would I know about Hockey?
For starters, we got a Rookie Phenom, Judging by the amount of his starting salary, they knew they had something special in this kid, Yes I am talking about Larkin.
For some strange reason, he's never hardly on the PP or PK, iSN'T THAT WHY YOU GUYS HAVE PRACTICE?
You had the entire first half of the season to hone his skills, instead, you spent the first half cutting him down, downplaying his abilities, and pointing out all his mistakes. Well, Jeff, your veterans are making bigger mistakes. Is this your ego talking, your the boss wah wah wah.
We will not make the playoffs, and I put most of the blame on you.
Quite frankly I like to see Z drop the gloves on you and kick your a$$ UP AND DOWN THE BENCH, THE ICE ,THE DETROIT RIVER.
I really hope you prove me wrong and we make it to the playoffs.
January 18, 2016, 9:19 pmRIP Glen Frey
Glen Frey, dead at 67. You will be missed.
He was a hometown boy and founding member of the Rock Band The Eagles.
The best concert I ever went to was The Eagles, Hell freezes over tour.
Can't even remember the warm up band, The Eagles took the stage and Timothy B. Schmit started with "Love will keep us alive" The crowd sat transfixed listening to every word every chord. Timothy has a beautiful voice.
Glen broke into one of his love songs, still we sat hanging onto every word.
After the love songs, they broke into Joe Walsh's Rocky Mountain way, the crowd erupted and from the moment on, we were all up and singing to every single song.
My heart is sad, Thanks for all the great music Glen, you will be missed.
December 12, 2015, 7:03 amPC comes to Hockey?
I'm an avid Hockey fan, I love the Detroit Red Wings with all my heart. I'll watch other Teams around the league as well.
Growing up watching the games, always and I mean always, we heard the National Anthem before the game, if we played a team from Canada we got their Anthem as well.
Only once, during our home opener did I hear the National Anthem.
Now before the puck drops, they go to commercial, no televised Anthems for either Country.
I am curious if other Hockey fans around the country are seeing the Anthems before the games?
Have we become so paranoid about offending someone that a tradition that goes back as far as Hockey is now taboo?
On a personal note. 19 40 71
October 12, 2015, 6:12 pmDear Caitlyn, now you're a woman.
oooooo ooooooo, Caity-pie's one of the girls now.
All the joys of womanhood, the earrings, mascara, lipstick, sexy high heels.
Let's not forget all the pretty undergarments, Cleavage, most certainly the way to a mans heart.
Together we can share the joys of pedicures, manicures,and oh how nice it is to have someone wash your hair at a high end salon.
Yes I know, the waxing, plucking and never ending supply of lotions and creams, can be a burden, but the things we do to feel oh so pretty. Soft silky thighs will make him forget there was no dinner.
HOW DARE YOU CALL YOURSELF A WOMAN!!!!!!!
You still got the parts God gave you.
You have no idea what it means.
You let me know when you have 45 years worth of menstrual periods, the pain, the bloating, the mess, the horrific cost of supplies.
Hey Sunshine, give Birth.....Carry a baby around for nine months and spend 14 hours in labor before squeezing it out in front half the hospital.
You let me know how much fun you had during your episiotomy with no pain killers.
Not to mention, most times when a woman gives Birth to a baby, she also gives birth to a hemorrhoid so big everyone thinks there's a new face on Mt. Rushmore and your hiding it in your Azz.
How about those swollen painful breasts, your husband body slams you cause he thinks they are fun new bouncy toys. dumbass!
Walk around with a kid on your hip for 2 years, you don't know what back pain is.
Change diapers, get meals ready go to work and deal with a punk boss half your age, please by all means share your story.
Let me know when your husband uses your Ph balanced, expensive feminine wash to give the dog a bath.
All the things you think being a woman only exists in some screwed up fairy tale world you live in.
As far as shaving, plucking and waxing, I am sick of it, after 27 years I could care less if my picky legs scraps his tender bottom like sandpaper.
Because at least he had dinner on the table.