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Displaying (32) Comments | Comment on this piece | Report objectionable art
Hello artthread.org administrator, Your posts are always on topic and relevant.
By: | Jan 28, 2023 | Report Comment
mcgXto Pretty! This was an extremely wonderful post. Many thanks for providing this info.
By: | Dec 21, 2018 | Report Comment
We buy a cheap little toy and wrap it. He’s usually bored with it by trip end, but at least he was entertained for a bit along the way. We also always bring the laptop or portable media player for a video. If you take a pack n play I find a peapod tent to be a much better alev.natiter.-= Bruce Teague´s last blog ..Jonas’ Journey | Man Down =-.
By: | Dec 25, 2016 | Report Comment
You've really captured all the esesitnals in this subject area, haven't you?
By: | May 22, 2016 | Report Comment
That in'ishtgs just what I've been looking for. Thanks!
By: | Dec 19, 2015 | Report Comment
You're on top of the game. Thanks for shagrni.
By: | Dec 19, 2015 | Report Comment
Always reifeshrng to hear a rational answer.
By: | Oct 23, 2015 | Report Comment
Good point. I hadn't thhuogt about it quite that way. :)
By: | Oct 11, 2015 | Report Comment
That's the thnkiing of a creative mind
By: | Oct 11, 2015 | Report Comment
Free info like this is an apple from the tree of kngeewdol. Sinful?
By: | Sep 25, 2015 | Report Comment
It's spooky how clever some ppl are. Thnsak!
By: | Sep 25, 2015 | Report Comment
Always a good job right here. Keep rolling on thorugh.
By: | Jul 09, 2015 | Report Comment
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By: | May 05, 2015 | Report Comment
That's a clever answer to a tricky quetsion
By: | Aug 23, 2014 | Report Comment
I think you hit a busellye there fellas!
By: | Aug 12, 2014 | Report Comment
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By: | Aug 05, 2014 | Report Comment
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By: | Aug 04, 2014 | Report Comment
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By: | Jun 18, 2014 | Report Comment
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By: | Apr 17, 2014 | Report Comment
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By: | Apr 01, 2014 | Report Comment
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By: | Mar 22, 2014 | Report Comment
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By: | Dec 15, 2013 | Report Comment
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By: | Oct 24, 2013 | Report Comment
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By: | Oct 15, 2013 | Report Comment
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By: | Sep 13, 2013 | Report Comment
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By: | Sep 07, 2013 | Report Comment
Pay off the car repo and credit cards first cocnantreting on the high interest rates first. Student loan debt tends to be low interest, and the interest can be deducted on your taxes, so you should continue to make the minimum payments on those until you get the other debts paid off and can use the money from those payments to pay off the student loans. Be aware that it may take some time before your credit score starts to improve anyway. Paying your debts on time will improve your score, but it will take time to show potential creditors that you are capable of doing this on a consistent basis. Considering you have had at least one car repossessed, you should be a little patient on this. Overall by paying off your debts, you will be be changing your income to debt ratio, but creditors will most likely want to see the good payment history before taking a chance on you. It may not make a significant change immediately anyway as time is usually what it takes to be able to change the score. Put the house buying on hold for a few months if possible in order to increase your score because you can get a much better interest rate if your score is higher. This will also give you time to reestablish your ability to pay for bills. You may have problems getting approved for a loan anyway even if you do pay off your debts right now unless you have a sizable amount that you can pay for the down payment.
By: | Nov 18, 2012 | Report Comment
Do not use debt consolidators. They are diabtrgs and it will appear on your credit report anyway. You will land up paying them to do something you can do yourself. The money you pay them could be better used to pay down your debt.First of all you have to get organized. You have to have a good game plan to attack your debt. More on that in a minute. You need to stop using credit cards and all consumer debt. You can not get out of the debt hole if you keep digging it deeper by using credit cards every month. Stop using them now and cut them up. Use cash or debit for everything from now on. If you can't pay cash, you can't afford it. Period.Please read a bood called the Total Money Makeover by Dave Ramsey. My wife and I read it 6 months ago and, WOW, were we stupid with our money. This book will help shed light on the real consequences of using consumer debt and what it does to your personal finances. It will show you how to get organized, set up a budget, set up emergency funds, pay off debt, save for kids college, invest and many other things. We thought this was strange at first, but let me tell you is is really great. We have made a 5 figure change in our debt load in that short amount of time by getting organized and attacking the debt. The thing is to do a budget and stick to it this month and every month. The budget shows where your money goes and where it is leaking out of your wallet/purse. Once you get mad enough at yourself and your debt situation, you will be able to make the change in attitude real ease. You will stop losing money buying useless crap you do not need. You need food, gas, shelter, and the like. You do not need to eat at a restaurant, go to the bar, buy another DVD, video game, shoes, clothes, etc. Once you start saying no to yourself, you can really start winning and getting out of debt. Just this morning I finished my spending plan for the month of May. May is in the books and we paid off another big old wad of debt. It is cool to see the monthly balances coming down quick. The key is to get responsible and become an adult. Time to grow up and do smart things with the cash. You must be honest with yourself and look in the mirror. This biggest cause of most peoples financial troubles are right in the mirror. Ours was.Read the book and get on a debt reduction plan. This is a good plan. Nothing great was ever built without a good plan. This is the most important thing you can do in your entire life. Get yourself set up financially for a solid future.My wife and I can not talk highly enough about this plan. I hope it works for you as well as it has for us.Forget the debt CON solidators or any of these guys. You are smart enough to do this yourself. It takes discipline and character. It takes growing up and acting responsibly. It takes saying no. It takes using cash. It takes a budget. It takes not going out to bars/ restaurants/ movies/ vacations. etc.You won't get your budget right the first month. Nobody does. Keep at it. Once you get good at it, you will see your balances dropping like a rock. You only have 11k in debt. You can work through it.Good LuckI wish you all the best
By: | Jul 21, 2012 | Report Comment
Do not use debt consolidators. They are ditrbags and it will appear on your credit report anyway. You will land up paying them to do something you can do yourself. The money you pay them could be better used to pay down your debt.First of all you have to get organized. You have to have a good game plan to attack your debt. More on that in a minute. You need to stop using credit cards and all consumer debt. You can not get out of the debt hole if you keep digging it deeper by using credit cards every month. Stop using them now and cut them up. Use cash or debit for everything from now on. If you can't pay cash, you can't afford it. Period.Please read a bood called the Total Money Makeover by Dave Ramsey. My wife and I read it 6 months ago and, WOW, were we stupid with our money. This book will help shed light on the real consequences of using consumer debt and what it does to your personal finances. It will show you how to get organized, set up a budget, set up emergency funds, pay off debt, save for kids college, invest and many other things. We thought this was strange at first, but let me tell you is is really great. We have made a 5 figure change in our debt load in that short amount of time by getting organized and attacking the debt. The thing is to do a budget and stick to it this month and every month. The budget shows where your money goes and where it is leaking out of your wallet/purse. Once you get mad enough at yourself and your debt situation, you will be able to make the change in attitude real ease. You will stop losing money buying useless crap you do not need. You need food, gas, shelter, and the like. You do not need to eat at a restaurant, go to the bar, buy another DVD, video game, shoes, clothes, etc. Once you start saying no to yourself, you can really start winning and getting out of debt. Just this morning I finished my spending plan for the month of May. May is in the books and we paid off another big old wad of debt. It is cool to see the monthly balances coming down quick. The key is to get responsible and become an adult. Time to grow up and do smart things with the cash. You must be honest with yourself and look in the mirror. This biggest cause of most peoples financial troubles are right in the mirror. Ours was.Read the book and get on a debt reduction plan. This is a good plan. Nothing great was ever built without a good plan. This is the most important thing you can do in your entire life. Get yourself set up financially for a solid future.My wife and I can not talk highly enough about this plan. I hope it works for you as well as it has for us.Forget the debt CON solidators or any of these guys. You are smart enough to do this yourself. It takes discipline and character. It takes growing up and acting responsibly. It takes saying no. It takes using cash. It takes a budget. It takes not going out to bars/ restaurants/ movies/ vacations. etc.You won't get your budget right the first month. Nobody does. Keep at it. Once you get good at it, you will see your balances dropping like a rock. You only have 11k in debt. You can work through it.Good LuckI wish you all the best
By: | Jul 09, 2012 | Report Comment
By :By :By :By :there doesn't have to be a day of reckoning. you can just have an eonocmy that grows at a slower rate than would be w/o deficits or stimulus. there are deficits around the world because of a massive financial crisis. budget deficits need to be brought under control but long term what needs to happen is that the national debt needs to stabilize. it doesn't need to go away.There doesn't have to be a day of reckoning but there will be if nothing is done with the current deficit levels and debt. We're around .9 debt/gdp ratio this year, and perhaps .8 or so after a recovery. That's a bad place to be either way. Healtcare makes things worse. Fighting multiple wars makes things worse. Government needs to cut spending AND raise taxes and I'm not convinced the political will exists to do it. The US, with its strong eonocmy can do some tricks inflation of the dollar transfers some of the burden to our creditors (causing us to lose some creditors). We're still the safe heaven investment choice when things go bad. We can artificially keep rates down longer. But we're slowly but surely blowing our reputation as being a country with a sound and conservative financial system (that we built up during the last century). There's no free lunch.the US 30 year is near 5%. there are no worries about the US. interest rates plunged during the crisis. some short-term debt briefly went negative. the market is not worried about the US paying anyone back. of course we can't run huge deficits.Yeah, agree that for now we're ok and there's no immediate panic. Though, arguably, part of the reason rates are so low is because of manipulation by the Fed (or indirect manipulation by debt swaps with other central banks). But once you have debt/GDP > 1, things start to get challenging, and we may fall into a debt trap where servicing costs become too high to make a significant dent in the debt.our servicing costs are lower than they were in the 1990s. people have been saying that interest rates are going to skyrocket. they've been saying it for years. I've thought that for years. look up RRPIX or RYJUX and see how good that has gone for people. I never thought we'd run a 9% deficit and bonds would be so quiet. clearly there is something going on that I and many other people can't comprehend. just look at japan for an example. until interest rates go higher I'll put myself down as someone who doesn't understand the bond market. I don't have to waste time making excuses that way! Rate this comment: 0 0
By: | Apr 13, 2012 | Report Comment
a) English spelling : about mid of Mar,2012b) Speaking ceosntt : about end of Mar,2012c) Chinese calligraphy competition : about mid of Mar,2012d) Chinese words regconition ceosntt : about mid of Mar,2012Thanks!
By: | Mar 18, 2012 | Report Comment
xbq0cr Not bad post, but a lot of extra !!....
By: | Feb 11, 2012 | Report Comment
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