- Thread Starter
At least you survived this long, a lot of folks didnt.
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Some wise words to live by...There are a LOT of people out there who are in dire circumstances and barely surviving (or not even that) so I am not going to complain much.
Probably similar reason I financed my car at 1.99% for 7 years. Money in the bank is making 3.5% and inflation works both ways. True, my money in 7 years will be worth less than today, but that also means that my fixed payments will be worth less also and in the mean time I benefit more from having cash available than by paying for the car up front. The finance charge is about $50 a month and dropping, while on that same money I’m making about $75 a month and can dip into if necessary for emergencies. It just didn’t make sense to pay for it up front.Why not pay off your mortgage with retirement funds? You would have more monthly cash flow, not have to pay the rest of the interest and not to mention you wouldn’t be anyone’s slave.
I worked construction all my life and have been retired for years. It changed greatly the last five years I worked due to tax structure. It became too expensive tax wise to keep old equipment so companies sold it and a lot of the old equipment went overseas. There is a shortage of good old equipment.I talked to a fellow today that frequents construction equipment auctions. I asked him if demand for such equipment is falling off, because that is one sign of a pending decline in the economy. He said that prices continue to be sky-high. This is a sign that the economy will not drop off in the short term.
These prices will drop off when new construction projects dry up. Contractors who have access to new equipment buy used to supplement their capacity, or if there is a shortage of new or rental equipment. Those without this access (financially) buy used because it is all that they can afford.
From my experience, this indicator is very reliable, but only gives a few months of warning.
Bean counters decide policies at big companies. Often, these policies don't make sense to people who make good decisions in their personal finances. For instance, it makes sense to keep a car that is paid off as long as it isn't racking up large repair costs.I worked construction all my life and have been retired for years. It changed greatly the last five years I worked due to tax structure. It became too expensive tax wise to keep old equipment so companies sold it and a lot of the old equipment went overseas. There is a shortage of good old equipment.
The $17 billion dollar construction company I worked for rented what equipment it didn't have. If the equipment isn't used regularly it's sold off because it's far cheaper to rent newer equipment tax wise..
My water comes from a tested private (mine) well.Why it's important that the company that provides water treatment chemicals got burnt down.
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Might want to stock up on bottles of drinking water.
If the cities can't get chemicals to treat their water then folks will be looking for a bottled water source. I believe well owners will be selling drinking water to the city folks.My water comes from a tested private (mine) well.
Ms. Bailey started 2020 with about $1,000 in savings and grew that to $6,000 over the following year.
Her two savings accounts now hold about $50 and $100, respectively.
Ms. Bailey scaled back her household's spending last year. They dine out less often, and she and her husband reduced the frequency of their wine-and-cheese date nights at home because the materials are expensive.
The family has been planning a trip to New York this summer, and because of airfare costs, they recently decided that they will do a nine-hour drive instead.