buried money
Posted By: so funny on 2009-01-15
In Reply to: book - survivalist
My cousin's home looks like a junkyard. His children say when he dies they are just going to blow up the place. He has money buried all over the yard, money hidden in his barn, in his house, in his basement. His wife has found money in coffee cans hidden all over the property. My sister was doing some gardening there a few summers ago and came upon a coffee can buried that had $400 in it. You really can't judge a book by its cover. When you pass by their house, you would actually feel sorry for them. He owns practically a whole town but having material things is not important to them. Unfortunately, he is the only one who knows where everything is at. 
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I have been to 2 funerals where the ashes were buried. sm
I really never understood the reason for the cremation and then the burial but I know it is done. My brother never picked up the ashes for the same reason you marriage went sour.
the man raped and buried a child alive
and the question encouraged him to have an excuse or reason for doing what he did.
I have put down several pets and buried at home; vets will provide a box
nm
I don't know where you live, but all of our family pets are buried at their homes. SM
I truly feel for you and am actually hurting looking at this beautiful dog's picture. What a joy they are, and such a wonderful breed. I pray everything you want to do for him is a possibility. Just try to remember, the love never, ever ends. That is permanent, and nothing and no one can take that away.
Before the post gets buried below regarding credit - very long message sm
I just wanted to share with the posters who were considering bankruptcy.
Unless you are on the verge of losing your home, I would strongly encourage you to consider another option. Bankruptcy does not just go away after a few years. It's there forever. Even if you rebuild your credit afterwards, it's still there - a haunting demon. A friend and my in-laws also filed bankruptcy in the past.
My in-laws filed over 20 years ago and have recovered financially but it's still there.
My husband is a credit card spender. I would only spend when I had the cash and did not depend on credit. It didn't matter though. Our spending habits combined nearly led to our financial demise a few years back too.
This is what I did and I hope you give it a try and it works for you too.
I started with a complete inventory of all of our bills, separating them into three categories.
Home (mortgage and utilities)
Credit cards - (lowest balance to highest balance regardless of the APR)
Miscellaneous bills (entertainment, clothing, food, gas, fast food, etc.)
Since the Home category is pretty consistent every month, I set up a budget for that first. I went back through our utility bill for the year prior and chose the highest month bill of the year and added that amount to our mortgage amount.
Next, I reviewed our telephone, internet, and television (satellite) bills. On average, I was paying about 230.00 per month for them all combined. Way too much in my opinion. I started shopping around and found a bundle package with Verizon. Now I pay 153.00 per month for unlimited long distance telephone, satellite TV, and DSL service. Saved $77.00 per month, just doing that.
Then I added this amount to the mortgage and utilities. This totalled amount is what I know I absolutely have to pay every month and I better make sure it's in the account.
Next, I did the Miscellaneous. I'm a paper keeper, meaning I keep EVERY receipt and then purge them about every 3-4 months. I started going over what was spent where and learned that we spent a lot more than we really needed to. I set up a weekly grocery budget and a fun budget. If there was anything extra at the end of the week, it was divided evenly between the two and added to the next week. I do this every week until the end of the month. If there is anything left over, that amount is divided in half again and half is divided again and added to the following week's budget (grocery and fun), the other half is locked away in the savings account.
The money for monthly gas was a little trickier when the gas prices skyrocketed. I first had a set limit for gas each week but did have to adjust that. I did manage to adjust it a little bit upwards and still be able to pay the cards down (see below.)
Also, every time I spend cash, no matter if the amount is $5.01 and all I need is a penny, I don't. Instead, I will give them $6.00 and get 0.99 change to put in my giant size espresso cup of change. When the cup gets full, the change is rolled and turned in to the bank as a deposit into the savings account. My cup last gave me $281.00 change to put in the savings account. That was in March. It's full again so will be adding at least that much to the savings account again very soon. Nobody touches the cup! They might lose a finger or even a hand!
That being said, and having two set amounts for each budget, I then subtracted that amount, plus the Household amount from our combined monthly income.
Lastly came the dreaded credit cards. To be honest, I was floored when I learned just how much credit card debt we had. My husband had wracked up over $40,000.00 in credit card debt alone. Since he paid his own credit card bills each month, I had no idea. Even worse than that, he is very inconsistent about paying his bills on time so he had late charges and the interest rates were way the heck up there. It was terrible.
I took each of his cards most current statements and started from the lowest to highest balance. The lowest one was about 1200.00 but the interest rate on it by that time was 22%. This is where I started.
I had him call the company and basically gave him a script to go by (my name wasn't on the cards or I would have done it myself). He requested a decrease in his APR on each and every card. Two of the five card companies agreed on the first call. The 22% card was reduced to 11% so they cut it in half. Not as low as I would like but it was a start. Another card was up to 31% and they reduced that to 20%. The other three didn't budge the first time.
This is where I made two 'necessary' purchases. The first one was MS Money software. I highly recommend it. You can set up your checking, savings accounts, print your checks, balance your checkbook in about 5 minutes, pretty much a no brainer software that really keeps you in line with your bills and spending as long as you remember to faithfully enter any debit card purchase in your check register provided with the software. It will also link to many banks to update your balances online. You can also set it up to remind you for upcoming bills. (Maybe if the husband had used this earlier, we would not have been in this situation?)
The second purchase was about $8.00. An accordion file folder for the monthly statements. Husband always threw his away and I can't even begin to tell you what a dumb idea that is. KEEP them. Organize the tabs for each bill and put your statement in when you pay each bill. I also write the date and the amount when I make a payment somewhere on the statement, then keep them in chronological order.
The actual payments came next. The smallest balance card was paid off first. All of other cards only got the minimum payment PLUS $1 more. I started doing this just for my own peace of mind I guess but I learned later that this actually helped us a bit when negotiating the lower APRs on the three more stubborn cards. It may have only been $1 extra but it was EXTRA payment and, believe it or not, they do look at that.
Excluding the card to be paid off first, I added up the minimum payments of the remaining four cards (plus the extra dollar to each of those) and decided on an amount to pay the lowest balance card to get that balance moving toward 0 as fast as I could.
In this case, I decided on 200.00. This left me with a little over 200.00 extra (I call it mad money but it really goes into savings anyway -planning ahead for birthdays, auto insurance, Christmas, and emergencies.)
I had that card paid off relatively quickly in a few months. When it was paid off, the card was cancelled and that 200.00 was added to the minimum payment (plus $1) on the next lowest balance card. After the first month of this, once again, had the husband call his credit card company and ask for a reduction in his APR. This time it was granted. Should also mention that this card was one of the three that refused the request the first time.
The first six months or so of this was a mildly painful transition. He was used to whipping out a credit card, I was used to having cash on hand for whatever I wanted. It wasn't going to happen anymore.
Finally, I was down to the last remaining card (754.00 per month payment by this time, having applied the payments for each card to the next as they were paid off.)
When I got to this point, I started shopping around for cards with rewards programs and started comparing those cards. The last card I was paying on also had a rewards program but not quite what I wanted. I wanted to know if the terms were negotiable. It was! How about that!
So, instead of losing a valuable customer the card company decided to keep me.
Now I get 3% back on purchases of most things as long as I pay the balance in full every month (which I do). Any kind of air or rail travel purchased with the card is a 6% reward.
I no longer use a debit card. The husband is not allowed to get a credit card again but instead, takes a certain amount of cash every week. Say what you want but he got us into this mess pretty much so he has to live with it now.
It's been a few years now working with this system but it has been very good for us. I find that I average about 400.00 per month AFTER the rewards bonuses kick in so essentially I am able to bank another $354.00 per month in savings. It adds up quicker than you might think.
Should also mention that we have two teens still at home and they can really be expensive. They were made a part of the plan and do their part to help out too. Their contribution is mostly the avoidance of fast food all the time. They can come home and have a meal or eat before they leave. Things like that.
Sorry for the lengthy post but hopefully I can help anyone else get out of a potentially bad financial situation like we faced.
How much money rasied for Katrina, how much money for the diasters due to the tidal waves and what?
Every single one of them have had some smoke around it with the money not getting to where it was supposed to go. I did not contribute, I hardly watched, was not caught up again as I have seen things like this before. They should give a all you can give benefit for Darfur where people are being massacared each and every day. Genocide going on there each and every day. I have not seen any benefits to help them out yet.
But her money is her money to spend as she pleases -
I don't understand how you can think it is wrong for her to spend whatever she wants to on whatever she buys. It is their personal money they spend. It is not like they are saying give me those shoes and add it to the taxpayer's bill.
And in all actuality, they are saying spend, spend, spend to get the economy going.
I am sorry, I am jealous that some people still have plenty of money to spend and I don't, but I don't expect those people to quit spending just because I had to.
You are right on the money here...
What great advice!!! I too did a lot of what you have listed in your post. It worked!!! When rules/expectations are in black and white, it's pretty hard to argue about it...
My 2 teens do their own laundry, clean the kitchen after supper, clean their bathroom, and now that they both work, buy the majority of their "things."
The key, I believe, is responsibility. Kids thrive with responsibility. They may moan and groan about it, but in reality, they thrive with rules and responsibility. Good luck!!!
She is right on the money about that - sm
As I said in my post above. The discipline at our former (private) school was a joke. Luckily the majority of the kids at this school are good kids, but there are a few bad apples that would never be allowed to get away with what is tolerated at this school. The nutcase (or strangler) in my daughter's former class at the private school would have been expelled by now from a public school. Amazing what they will put up with for $6K a year and an alumni mother. Oh, and of course they have no type of a counselor or psychiatrist at the private school, no nurse even. They had a real cow when Jenny was in chemo and dealing with that. But that is another story.
Money.
Money or a gift certificate to whatever craft store they shop at when they get supplies for the kids. You can also donate money to the teachers "account" at school and it's tax deductible.
Where to put my money
I am selling my house and moving overseas. I will have between 250,000 and 275,000 after agent fees and loan pay off. I want to take about 50,000 and put in a money market account attached to my checking and savings accounts for easy access for things as I need them and for unforeseen expenses.
I don't know how best to use the other approximately $200,000. I will not have a job. My only income right now will be about $1150 a month from my rental property. I would like to invest my other $200,000 and live on the interest combined with my rental income. What is the best return I am looking at?
Of course I know I need to talk to my accountant and maybe hire a financial adviser but I'd like to hear some thoughts and get some direction so I can research it a bit myself.
5% for a money market is okay but is there a better way to structure this? In a couple of years I may want to use this $200,000 to purchase a home or business so it can't be away for good but 3-5 years is okay.
I keep getting told about going offshore because I won't have to pay taxes on the interest and with internet banking it is easy to transfer funds and make payments.
Of course you can tell I am a novice but I would like to start researching my best options. Any advice?
Money - Should I be mad or not?
Suppose you had a friend who was very nice all the time, to everyone, can't stand to hear anyone say an unkind word about anyone. Suppose this friend had come crying to you several times over a period of a couple of months with financial difficulties, and rather than loan them the money (which would prolong the difficulty in my opinion), you just gave it to them to help them get caught up. It was a necessity and children involved, etc.. So you helped them....anyway...
What if after that, it became a regular monthly, and sometimes semi-monthly event, where there was some major issue of why this person needs money, you figured they must really be having a hard time, felt sorry for the children, and helped a couple more times.
It is my feeling that when you give someone something, it is theirs, so you shouldn't even ask what they did with it. But suppose now you find out that they have purchased something fairly expensive ($400) that is a completely unnecessary luxury item (game), that they had to have purchased during the timeframe you were helping them, and mentioned some other things they have been doing recently - things that you yourself can't even afford to do!! Would you feel you had a right to be upset or would you just say to yourself that they have a right to have a life and once they had money, to spend it how they want? This happened to me recently, and while I have decided not to give them any more money, I am not sure if I should be angry or not?
Boy, that's a lot of money. I think about that old man in WV? who won
xx
Well, let me see, about money
I have been given money beyond my wildest dreams, from money I got after being outsourced 6 years from a previous employer, over 100,000 (where did it come from?, got retirement when I left there to money given to me by family member and then after this person's death, sold property left to me by them, sold a property I had before this one- the main thing though and I have said this time and time again- I try my best to help others out, choose either animals or people, whatever touches my heart. This Christmas picked some people out from Craigs List and did things for them. I do not do to get because my heart is just like that but things are always coming to me. My mother told me as a child I was like this, giving and I really believe it just comes back- Karma.
Money...
First of all, I can't understand why you would give him money...secondly, he probably is getting it from another woman. Guess you should just deal with it, it's really not any of your business where the money's coming from...are you engaged or otherwise committed to one another?
Boy, do I need the money
I might not receive it as I made just under $3000.00. The rest of my income was around $11000.00 from SSD. I had two major surgeries last year, and being an IC, have no benefits.
Now, if people in my income level don't need the refund more than the upper limit that was set, I don't know who does! Why in the world they would need it is ridiculous. I can definitely use it for bills, or better yet....FOOD!!
The money came from
my father- I was his only next of kin- no siblings living on my side or father's side, his wife not living. My son and his family had already received close to $100,000 from my father earlier.
you had money for that
the possibility of being on welfare? seems to me welfare wouldn't even have been a possibility if you had money for her college tuition plus. probably could have dropped a job or two. ?
See when it comes to having money around
I usually don’t have, don’t keep as much as $5.00 in the house but when I take her home and pay her, usually stop at the bank to use ATM so no money could be taken from the house. I think if you needed items such as the ones I listed (hubs said also has been missing laundry powders and things like cleaning solutions- he notices these things much more than I do (1 time had told me he had missing herbs he had bought- did not have to worry about me using as I do not cook). I hate to think about losing the help but then again cannot stand the fact of her stealing- by the way, the panties so new might have still had tags on them??
Where is all the money going
money
Has anybody ever heard of a Transcriptionist winning the lotto? thought not...lol, and if you did, I bet she didn't keep on working! 
He kept his $10 and only used her money for gas.
x
We can get you MONEY
The injury lawyers always say that phrase and I hate it!
It's my money and I want it NOW!
x
Of course they are...where's the money in
finding a cure for ANY ailment or disease? Wouldn't you think with all of the fantastic doctors and scientists this country has, the numerous telethons, fund raisers, charitable contributions, endowments, etc, that one cure for one disease would be found? Healthcare is the one industry that will probably never face a downturn, let alone financial crisis. Baby boomers = ailments and disease, ailments and disease = money; any wonder drug dries all that money up. I sometimes type people who are on 10, 20, 30 medications...what a racket.
money
I can agree completely. Robbing Peter to pay Paul. Just stinks all around.
I would bet a lot of money
you did not read a single link that I posted. Not a single one.
Now your posts have degenerated even below jeering; you're going for personal attacks on my family. About whom you know absolutely nothing. As if that will somehow bolster your case.
It's pathetic, really.
Got money?
Golf courses, so I have heard.
Right-e-o -- all they want is more money.
nm
money woes
Here is the real question: Does your husband work just as hard as you, but doesn't make as much, or is he a freeloader?
If he works as hard as you, I think it's a terrible idea to put your money into another account. You need to be a team and if you can't be a team on this matter, you won't stay together. If you're still in love with each other, you can make this work. You should be doing the bills together, so he can see how much is left and why you can't afford the things he is buying. Men are selfish creatures and they can be dumb, too. Don't assume he understands exactly how you feel. Tell him you are feeling taken advantage of.
If he is a freeloader, well, I don't know what to say except that most likely he will always be one. Do you want to live this way forever?
Have you heard of Dave Ramsey? He is very wise regarding money and has a lot to teach couples. daveramsey.com
With that kind of money,
she could have easily afforded to pay you back without filing on the insurance. She should have offered to have paid you half back at least. I think that would have settled it.
Don't take your parents not choosing sides personally. They are probably trying to not make the situation worse than it already is. They are probably hoping you two will work this out somehow. Them getting involved will only make it worse.
Besides everything she has done, losing your family is just not worth it. I hope that you can find a way to work this out. My brother passed away and my sister is missing. I would give ANYTHING to have them back.
counting up the money
Who do you work for if I may ask?
She will get her money back
I had my money back within 24 hours when it was fraud. You go to the bank, fill out the forms, and while it is being disputed you get the money. They will reissue you another debit card but I kept the same account. Then in 60 days they said it was resolved and I could keep the money. So unless she made the charges and just does not want to tell you -- she should not have a problem getting her money back and still keeping the same account.
Who cares about the money? --sm
She couldn't take it with her and it did her absolutely no good while she was alive. What about the baby girl she left behind? Why is everything always about money.
The lawyer and the money
Well, it seems kinda funny that shortly after her court case was settled her son died. Then, she had the committment ceremony with the sleazy lawyer. Now, a few months later she dies? Wonder who her beneficiary is. It could shed some light on the events surrounding her and her son's deaths. I wouldn't say it's all about the money, but it does seem suspicious. I still wouldn't be surprised if it winds up just being a drug overdose though.
Do you think a) they will give me my money or
b) I will have to take furniture out of their store? I bought some furniture, has been over a year ago and never got it, got the runaround, they never returned my money with my asking for the return after several months of no show. I filed a lawsuit, they would not answer, did not show up in court when told to and bottom line now the courts found they do owe me and if they don’t pay me by the 15th of this month (over $700.00) then I get to go with an officer of the court, take a big truck and load up more than what I think is enough to cover what they owe me in the first place. Do you think this is absolutely crazy for a big store to ignore they owe me and do they not care about how it will look if there is a police at their door as we cart off furniture? I would, of course, go on what I would hope to be an extremely busy day for them, say a Saturday. Needless to say when all this is over I will be calling the Better Business Bureau and word of mouth also so that no one else will be caught in their business dealings.
Wow, so only people with money
have any class? I know plenty of people with lots of dough who are still low class and probably always will be no matter how much they have. It amazes me that some people seem to think that having money automatically elevates them in the class department and gives them the right to look down on everyone else.
And by the way, its riff-raff.
No money for illegals
That was such a good observation. They also buy up chunks of our property here, but if we "buy" there in Mexico it "reverts back to the government" after 99 or 100 years. If that is how they are to us, then I say no US property should be sold to those without citizenship. I think she should spend another two dollars an hour and hire Americans to work around her house. There are good American people out there who, like us, only want to make a living wage and these people are driving them out of employment.
would it be possible for you to take the rent money to her? nm
Ernest money is yours to keep regardless. It
However, even if the buyer pulls out, the money is yours.
You really need to consult a real estate attorney or a real estate broker with your question above.
Ernest money
My husband and I were selling a house --on our own -- (SIL was an agent and helped us and it was an easy assumable VA loan) and received ernest money. We did not put it into escrow right away, and then two weeks later they backed out and put stop payment on the check. Our ignorant fault for trusting them. Since the house was off the market for 14 to 20 days, we felt we were owed something and they had no just reason for backing out. Anyway, long story short, we had to show we attempted to obtain the money - put the money through escrow -- bounced- and then went to court and the court awarded us 75% of what the ernest money was since the house was off the market for so long. So, the agent is right, put immediately into escrow and then if they back out for no good just reason the money is yours -- read your ernest money agreement it will tell you. But to protect all parties it needs to go into an escrow fund and then dispersed when the property is sold. That way no one gets away with it. Patti
Maybe he's a little over-protective of money.
Hard to say, but hey, at least she's working more.
Boy nice to know EVERYONE wants money - sm
Yes, money is nice, but not everyone at my wedding gave us money. We received many "gifts" that we actually use, guess your "friends" don't know what you like (oh, yeah, it's money). Of all our "gifts" I only returned 1 as we just did not like it, some sort of crystal tray; my DH picked out a very nice roasting pan in its place and we use that all the time. We received a dinner cruise from one friend, baseball tickets from another which we used with my parents, towels which we still use after 11 years (very good quality though 1 set is finally dying), T-Fal set we still use today, pasta machine which makes incredible homemade pasta, a toaster oven (that died from over use), picture frames (can never have enough of them) and a ice tea maker. All of them get used, some more than others yeah, but we appreciated every gift, as well as the monetary ones which basically ranged from $20-200, with an addition $26K from the parents ($1K from his, $25K from mine-and his are wealthy) None of this money went to paying for the actual wedding though we did use maybe $800 to pay for the hotel for my DH, and for the honeymoon. The rest we banked and eventually bought some land as an investment which since we bought it has doubled in value. By the way our wedding was about $5K total, including honeymoon, fully catered (that was most of it at about $2500), and only 50 guests. W/o the parents $ we received close to $3K; in your greed I am sure you got more but what did you do with it? Buy fancy car or home, take an extravagant vacation/honeymoon, pay off the wedding debt? I bet you have nothing to show for your "friends" generosity. I sure hope you wrote thank you notes but from your entitled attitude I doubt it.
Money woes
Years ago I too had money problems but then I took bankruptcy. I had no credit for years and did not want any- if I could not pay cash then lived without. When I finally applied for credit, say 10 years down the road, my slate was perfectly clear. Now having said that, I learned my lesson and this is something others should do, do not let yourself get in so much debt it is hard to get out of. I recently had some cards I paid completely off- have no debt now- only my utility bills and DH has suggested that instead of an open to buy $20,000.00 on my Visa, that I call and ask them to lower to $2,000.00- something that probably suits me better. I just sold some property, put $$$ towards principle on house, put back $15,000.00 for taxes on the property sold in a CD to earn interest until tax time, paid all bills and even put some in a CD at the bank left over. I have become more disciplined in later years- I learned my lesson but took me some time to do this.
Money Woes
You can have "anything" removed from your credit report, so long as there is not a balance, after 7 years. I also check my annual credit report for free just to make sure it is intact. I also use credit cards with cash back offers and make sure I write down every purchase, keeping a total, so I can pay them off every month. Figure going to the gas station, filling up your car and you have this little card you swipe for an additional 3 cents off, charge it to your credit card and get an additional 5% off....but this is only a good deal if that balance is paid in full monthy. I allow my husband and I only a certain amount per month for fuel, since you'll tend to run around more because you are not putting out that cash up front, and once hitting that mark or when getting close, it's time to stay home more, especially when you have to fill a boat at a marina (fuel is more due to special permits to sell fuel along the lake) and that boat has a 120 gallon tank - OUCH. Also, when purchasing say new furniture, say they have this offer for 6 months free financing and no interest; I use a credit card that has 1 year at 0% interest and make sure it's paid within that year. The downfall there, if you are one payment late, you have to pay all that back interest so you have to really be extra careful there. Do not, I stress do not, use department store credit cards as the interest on all of them usually runs 19% or higher in interest - if you feel you will not be able to pay it off when that bill arrives. Department store credit cards get people into more financial trouble than you can imagine. The interest is unreal, regardless of your credit rating. My credit rating is in the high 800s and my, say for example, Kohl's credit care is like 19% or so. I also agree with keeping the credit available on any card low, but you do need at least one credit card with a high credit availability for emergencies, though suggest keeping it at a reasonable amount because, unless you can qualify for a home equity loan, a bank will charge you more interest than that credit card, if you have good credit that is. I have a friend who purchases her vehicles on her credit card because she is locked in at 5.5% APR, though now days, all dealerships offer 0% APR.
money just makes you more of what you already are -
Human garbage in his case. Cannot stand to see those given so much just disregard the rules of society. Shame on him. So glad he is going to jail!
Hmmm,,,use the guy only for his money so...
one does not wind up destitute even if you don't love him...Wow, you've come a long way baby! How feminist of you...There are good guys out there, prince charmings too, Wow, you must have really got burned at one time. Life is too short to be unhappy.
Let him - for the money you/he is spending in gas sm
you can probably get one of those weekly hotels and at least break even. he needs to tell them up front what he is doing and get a good discount, most will give them if long-term situations. he will get a lot more rest and be a much happier person and easier to live with in the long run. driving wears me out more than anything and i feel for him with that commute! maybe he could even get his job to split the cost with him.
The Money Pit with Tom Hanks
Love that movie! I also love the Austin Powers movies.
If I were the homeowner, I'd KEEP 100% of the money, and
.
Well, I did not make my money as an MT, you can bet on that
I would take exception to the nobody working as MT is wealthy- if I had no money, I am still wealthy in my loves and happiness. I have a great life. I hope to never have to retire, regardless of what I have moneywise, just my way of living.
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