Same here - closing on house end of next month
Posted By: Christina RTMT on 2008-09-17
In Reply to: we are closing on a house next month and mortgage - is almost double our rent so we...
and these ideas are great. I did craft projects for Christmas last year and was a bit overwhelmed because I started to late, so this year I'll need to get started earlier. I love the family tree idea, as well. I may have to borrow that one. Thanks!
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we are closing on a house next month and mortgage
need to come up with some cheap ideas too!! I have several baskets that i have collected over the years and plan on going to the Dollar Tree and getting "girlie" stuff and filling them up for around $5-10 each, depending on size. My family knows this year is going to be hard on us, so that helps!
wow you pay 350 a month for a HOUSE?
lucky duck, I pay 465 a month for a rented townhouse
Yes, they do. 10-month teachers make more than 9-month
teachers. I know that for a fact. One of my sisters was a 9-month, one is a 10-month. They are compensated for working more scheduled hours.
Stores closing..
The stores did not close for Chanukah...my son had to work 6 out of the 8 nights of Chanukah. I would have loved to have him at own each evening for prayers, but he was there after and we still got to enjoy the Holy Days together. Compromise people, compromise! Life is too short for such frustrations.
closing a pool Help!
I just purchased a home with an above ground pool and have no clue as to how to close it for the season. First of all, the water is a yucky green because I didn't add shock (I think?). Is that what I need to do? 
I said closing the bank...
…NM
Closing letters
How about "Kindest" or "Kindest Regards,"?
Yes, especially if you are on a month-to-month basis
My mother had rental properties and has evicted tenants twice because her daughter (sis) decided she wanted to live there. Those tenants were pretty upset at the time too, because they didn't want to move. A landlord isn't required to have a reason for taking back their property or raising the rent. They will likely give you a good reference since you're been a good tenant.
A year after Katrina, all the landlords on the Gulf Coast decided to double or triple their rent, just because they could. Due to the housing crisis rents are going to continue to rise, because more people are losing their homes and looking for apartments. Its all about supply and demand.
The bright side is that working at home allows you to live "anywhere", so you could see this as an opportunity to move somewhere completely different. That's what I did, and I haven't regretted it.
If it is a month-to-month lease -
If there is no signed lease stating a specific time (1 yr, 2 yr, etc.) then it is implied as a month-to-month least and either the tenant or LL can terminate at any time.
I would look for a place pronto if I was the OP.
And she should get another job pronto too if the one she got ain't paying the bills. No reason to let it go on month after month, paycheck after paycheck, until you are in the street, that is just plain stupid.
If she is getting evicted --- there is more to this story I believe.
How weird, was it closing time? 9:30 pm - sm
or was that morning. Why didn't you ask him why? I certainly would have wanted to know why I was being kicked out. 
Credit Score will hardly be touched by closing them
xx
Closing an account affects your score because
if you carry balances on other cards, by closing an account you instantly increase the percentage of available credit that you are using. An assessement of the percentage of use is a significant element in your credit score.
If you have other cards with high limits and low or no balances, closing an account will have only a small, probably temporary, effect, unless you are closing the account with the longest history. As another poster mentioned, length of credit history is another significant element of your credit score.
If you have high balances on other cards, leaving open an unused account will make those balances a lower percentage of your available credit, which can boost your credit score. However, in that case, paying down the balances will have a much larger positive effect on your score.
Blech! The worst coffee ever. No wonder they're closing stores, who pays for that garbage?
//
Need help with ideas for remodeling house and decorating. We bought a house
in fair condition about 10 years ago, got into some medical problems, and have just now paid off the mortgage. Hubby and I agreed we would do nothing to the house for remodeling because we wanted to pay it off first, then the medical bills. I need to know of some websites/magazines/books to start researching for how to go about this. These will be major repairs - roof, septic, basement, windows, pretty much everything except wiring. Where do we start? Maybe hire a general contractor just to do an evaluation and give us recommendations? Hubby is a handyman but cant seem to get a handle on where to begin. We would like to do as much of the work ourselves as possible - labor of love and all that...
Thanks for any and all kind suggestions!
Why does closing a credit card account negatively affect your credit report
Especially when I never use it anyway, and really never wanted it?
With all the bank rearranging going on in the past few months, one of my accounts was tranferred to Bank of America. I was sent new cards and a new agreement, new interest rate etc...
So I called them up and cancelled but before they did, I had to listen to a spiel about how this would negatively affect my credit report.
Huh?? Why is that?
If you are set on closing, do not close the old ones, close a newer account first.
Your credit is based on a mix of things like history, types of accounts, mix of credit (revolving vs installment), usage/utilization of credit available, and payment history. Where closing could hurt your score is the part of the score that averages history of accounts/length of credit. If you decide to close, close out a newer account first.
The best way to protect from ID theft as far as credit is to freeze your credit reports. It's around $10 per agency to freeze them. Each credit reporting agency tries to sell your their own monitoring plan when you get to the how to freeze information, so make
sure you are freezing it.
You can't freeze it over the net they each require a letter by registered mail. It takes about 1 month to freeze it.
Right now you can place a fraud alert on your reports for free. The credit *should* not extend credit or do a credit line increase without calling the phone # on your credit report first. You only need to do it at one credit reporting agency and the other ones will be notfied. The number for equifax fraud alert 1-888-766-0008. It's automated.
If you are concerned about ID theft try one of the monitoring plans. I've tried a few of them and Equifax has the best one. Their Score Watch is great, you set the limits to be notified and any change they send an email literaly the next day. I used it after I discovered ID theft. It might be a waste of money for you. I would place the fraud alerts, then the freeze, and check your reports 2x per year.
I've had ID theft as far as my name/social but what concerns me more than credit ID theft is bank account theft. I don't know how we can fight that. It seems like consumers get the raw end of the deal as far rights when deposit accounts are stolen.
buy every month
Melaleuca products you have to buy 35 products points each month to keep your account. Which is anywhere from $40 a month to whatever you want to buy. You don't necessarily have to work the business part you can earn a check each month without actually signing up any customers. Customers will be put under you by other people and you will be making money off of the products that they buy. That is waht my mother does. She isn't in it for the business she just loves the products and still gets a check each month
$347 per month
x
Don't go out to eat except maybe once a month.
It's amazing how much money you will save by doing all the cooking yourselves at home and brown-bagging lunch. This includes those $2 cups of coffee here and there every day--really adds up fast!
Keep your goal somewhere in site...literally slapping a picture of your dreamhouse on the fridge or some place you'll be reminded every day of why you are making the sacrifices you are making. Good luck! 
Since you have a month, why don't you
get together and do a pic of the team or even a few and frame it! I'm sure he'd like that. You can even go to one of those machines, have it blown up and have it say something special down below.
Also, they like gift cards to the local convenience store. Everyone could use a gift of "gas" especially when they are volunteers...
Happy sporting! Glad you had a great coach!
Ours is usually between $200-$250 per month.
Our electric company has some of the highest rates in the country...lucky us! Our bills usually go up a bit in the summer from using the air conditioning and running the pump for our pool. Electricity is definitely our highest utility bill!
Don't have your mammo at the end of the month, then.
Or it will hurt. Schedule it when they aren't painful. I've had it before, but I took evening primrose oil capsules for maybe six months. No more trouble.
Won't the be surprised next month
This happened to an older friend of mine. Poor thing couldn't get another policy to save her life, and it wasn't a cosmetic issue, it was like entire siding pieces that flew off of her house. Oh, they and came fixed it, then they dropped her like a bad disease. They'd better be careful. Just a friendly warning... I don't know if I'd let the homeowner's insurance in on that deal, I'd cut my losses and replace the carpet.
TOM = Time of the month (sm )
Was trying to be a little modest - sorry!
Just in Vegas about a month ago
Go there a lot, the Flamingo is catty-corner to the Bellagio where we have stayed the last 2 times there. Know where it is because I went to a show there. Older place, smoky, they have real flamingos out in the back with ducks, etc, been there but not to stay. Toni Braxton headlining there and George Wallce comedian there now. Know what I talk about.
I know, she hasn't been on here in about a month or so
Hope she's okay.
I've had it about a month, it's almost gone (sm)
Dr. gave me an inhaler for the anti-inflammatory properties and a decongestant. I keep debating whether to go back but it is so low grade...I will probably wait another week or so and see if it goes away. Hope you feel better soon.
2- month window
and then there won't even be a way to give a bad rating of the dealer.
Will you come and live with me for a month or so? nm
!
Last month I spent $321 for 3 of us.
It's just DH, 18 year-old son, and I. We live in the Philadelphia area. We generally eat far less meat than most American families, but we aren't vegetarian. My son commutes to a nearby university and works there, as well. He provides his own lunches, and probably only eats breakfast at home half of the time.
Now, if you want to factor in what we pay for the meal plan for our son who lives away at college, well then... that's a whole other story! KA-CHING!
My 10 month old, Starr, does that, too.
I actually have pictures of her sitting in front of the TV in the office watching Animal Planet, Kung Fu Panda, and Transformers. I can see her tracking the action with her head and every once in a while she'll bat at the tv screen with her paw.
It's the cutest thing.
$250 a month is average for us.
We live in a TINY 1-bd condo and pay an average of $250 a month. We don't use heat or air and have quit using our dishwasher and have decreased our hot water usage. We unplug everything we are not using. We have been able to knock about $75 off our bill by doing these few things. Right now the only electricity we use is for our appliances (fridge, stove, etc.), lights only at night and when we absolutely need them, and for the TV and computer. We are seriously looking into solar as soon as we buy our new home as the electric rates here are crazy and can't imagine what it would be if we lived in a larger home.
I did about a month ago. There are other options.
Workin at the Q. Money is real tight.
But there are internet sites like Hulu where you can watch TV shows for free. Also at least I know on NBC who can watch some TV shows on there for free, too. Just about any news channel you can watch recorded news stories and sometimes even live if something major is going on.
Also, I found on YouTube that you can watch shows and movies. They have started putting commercials on them, though (same with Hulu). But who cares, you would have to see them on cable TV, anyway.
There are actually a ton of internet sites. I actually got into watching old *Kojak* reruns on Hulu (I know, but I liked that show back when.) They have a ton of old shows.
There is also Netflix or Redbox - you can get the cheaper options for movies.
I can watch my local news on the internet, too.
So, just seek out what options are out there for you. I figure even if it is only temporary (I have some job interviews this week) I can still watch things on TV but on the internet until things are better.
Honestly though, I will have to think about that because I haven't missed my cable TV not one bit.
Tell him you want $100 a month of that $180 he gets for rent. nm
x
no tx just 9-month visits to eye specialist...sm
Told me to keep tight control of the sugar and to be seen q.9 months at this special eye institute....seems to have gotten better too over 2 years....hope your goes away soon....
changing your OB in the last month of pregnancy?
I was just wondering if anyone here had any experience with changing your OB in the last month of pregnancy? Or if anyone knows anyone who changed their OB late in pregnancy?
Without going into too many details, my OB was away on a personal emergency this week and her partner was not in the office due to the holiday. I was having some problems this week and I needed an OB on Friday. I called but my OB's office only had a recorded message. There was no answering service. So I stuck it out until Satruday and went to the emergency room at the hospital where I was supposed to be delivering this baby. The Triage Nurse at the hospital was so awful and mean to me that I burst into tears and stormed out of there. She didn't flat out refuse me medical attention, but she gave me such a hard time about being there that she made me feel very uncomfortable, and in so many words she forced me out. She was the nastiest most unprofessional person I have ever dealt with in the healthcare industry. DH agrees.
So now DH and I are totally turned off to that hospital and I don't feel comfortable at all delivering there. Fortunately for us, we have 2 other excellent hopsitals close to our house. The problem is, my OB only delivers out of the hospital where I had this incident. So I was thinking of changing back to my old OB for the end of the pregnancy. He delivered my nephew and my sister said she liked him and had no problems with him. But he has not dealt with me pregnant. I just went to him for 2 annual checkups several years ago, then decided to change over to my current OB because my sisters and friends raved about her.
And it's really been a textbook pregnancy -- no problems with me or the baby. He would just need my records sent to him, and he'd need to know that I will be a scheduled c-section. Really at this point all I need is for someone to go in there and get the baby out for me.
Any advice? Do you think he would refuse my case since I'm 35 weeks already? The whole incident is unfortunate, and I love my OB, but I am so turned off to the hospital that I'd be willing to go with another OB just to be able to deliver out of another hospital where we'll feel comfortable and taken care of.
a month is tooo long.....sm
My Paps are supposed to be back to my doc around a week. The last time I had not heard, so I called and left a message that I wanted the results of my Pap ASAP. I got a call within a couple of hours and the nurse was very apologetic that I had not heard from them. You have been patient long enough! This is your health and being a MT has nothing to do with it....if anything, being an MT makes us more aware of how some docs drag their feet on tests results and how others are very prompt with reporting these. You make that call again and let it be known you want a call today with results.
Is this for 1 month? Just January 2007?
x
$167/month...breakdown inside....
$60 for cell phone (husband & I are on the plan)
$60 for unlimited long distance phone plan with voice mail and other features in the bundle.
$47 for cable TV.
So true. Everyone should sit in on a class for one month and
hjk
No, but I do trim her nails once a month.
.
That $6K a month I presume is before taxes - sm
if so, I highly doubt you can afford such an expensive house. My DH makes $70K, I make about $15K; even with the 2 incomes it gets tight, and our mortgage is only $1K a month. However we put about $800 a month into a 401K plan, another $210 a month into a college fund/plan with the state, another $150 a month for our life insurance; what is left to pay bills/buy food after the mortgage is about $1500. Believe me it goes fast. Taxes take a huge chunk, and no we do not get a big refund, maybe $1200 if we are lucky; owed this year for the first time in years. If you can I'd max out at $300K on a house. I am looking forward to when ours is paid off, which will be in about 6 years at the most (10 year mortgage); we also try to make extra principal payments when we can. This is w/o car payments too, can't imagine how we would do it if we had that too; guess I'd work more, the kids would have less stuff which would be a good thing and we'd eat more frugally. Babies are expensive, diapers, formula (not all women can breastfeed or want to), daycare presuming your wife goes back to work if not, then there is no way you can make your mortgage on $2K a month, daycare would be $500 a month probably. What if one of you loses their job, any plan for that? I would want a little less stress myself if I were buying a home with a baby on the way. Find something more affordable, sure it won't have all the bells and whistles but do you really need all that? Remember to ask yourself if you need it or want it. Big difference.
My 23 month old is a live wire lol
I really did not have much of a problem with my 5 yo at this age but man my little one loves to run. I think she thinks it is a game. She will run from me in stores. If I look at anything and I don't have her strapped in a stroller or on that harness she is gone. In church she wants to run all over the sanctuary. I had to take her to a parent/teacher meeting last night in the school cafeteria and she wanted to run all over the place. I did have a harness on her and she is already wise to that and she tried to jerk that thing out of my hand. I told her no so she laid in the floor and yelled.
Anyone have any suggestions.
Another kid question. As stated earlier, we met my 5 yo teacher. She seemed real nice. We got to see dd class room, not as big as the pre-K class room but still pretty nice, looked kid friendly. Some of dd pre-K friends and daycare friends are going to be in her class so it isn't like she doesn't know anyone, but dd bawled and clinged to me. She said she was afraid I was going to leave her there. I said no, but I will Monday. She stayed upset. This is not like her. She went to pre-K last year at the same school and she found her chair, sat down and was ready to get started. This year is a total about face.
The only thing I can think of is...I never took her out of pre-K for any reason unless she was sick of something but last summer when I had some time off I took her out and we went swimming, bowling, shopping. I am thinking that in her mind she thinks if she gets to stay at home she gets to do that stuff. I tell her no that is not what we are going to do. Mom and dad are working and cannot play with you right then but her little 5 yo friends will be there like sue, and Kate and Zach. She is still not satisfied. I tell her if she doesn't go to school the police will get us and she will have to go to a meaner mom and dad. Not satisfied. Is there anything to make this easier?
My 14-month-old has a stuffed up nose....
anyone know of any safe medications I can use or some other remedies to treat her congestion...she woke up last night from it and I just want to make sure she gets a good night's sleep...She isn't cranky just a stuffy nose...I have been using the bulb syringe also...thanks in advance...
I just bought a Rug Doctor last month
The thing cost almost $1000 (I financed it) with a year supply of cleaning fluids, and one of my friends wanted to borrow it. I don't think so!
I turned my furnace on a month ago!
I can't imagine letting it get that cold in the house!
This is our 5-month-old boxer, Bettis
nm
I give my cat milk about once a month but
it's "cereal" milk and he'll only have a few swallows and then be done. He drinks with his paws which I think is a hoot!!
How many times a week? month?
I know that after the lust and infatuation wears off in a marriage, you get into a kind routine for sex.
My husband and I were married for 8 years and were having sex once every two weeks to once a week. I know this is not much, but we were both working full time and going to school full time....we were just both so *** busy....
Was that considered normal for a married couple of that length? He always complained about the lack of sex, and I should have been more aware of that.
As a friend of mine says: sex is like air and money... the less you have, the more it matters.
As soon as one party feels there's not enough (or perhaps too much), there's a problem. Talk about it, work on it, seek professional help, whatever. Ignoring it is ignoring your marriage, which brings no good.
Need your opinions.
I wonder how much out of that $2300 a month she uses to get her nails done?
xx
I started packing last month,
but have slacked off. We're leaving in 3 weeks for another state too. All I can suggest is try to do 1 room at a time, throw out anything you haven't used in a year or so, and try to clean as you go. We're having DH friends help us move stuff into the truck, then my friend and I are going to be cleaning as they pack and do the heavy stuff. I try to do a little bit every day but have been slacking the last couple days.
Also, if you have cats or dogs, lock them in a room the day you are moving and post a do not enter sign on the door so they don't try to escape as they can tell what's going on. Mine are going on the patio until we're all done.
Good luck with your move
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