Poor Man Survival
Self Reliance tools
for independent minded people…
ISSN 2161-5543
A Digest of Urban Survival Resources
Tips of the Week: Making Money, Saving Money, Stopping Bill Collectors, Making Your Wife Happy & More
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by Jane Burnett
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https://www.theladders.com/p/23080/work-from-home-salary?utm_swu=1054&utm_campaign=DNL90_06252017&utm_content=6FBIhostagetricks&utm_medium=email&utm_source=daily_newsletter_email
These five
flexible work-from-home jobs let you work on your own schedule (and squeeze in naps when you
need to).
They also call for your skills and experience, so you can continue to flex your
brain and do work you love while raising your little tykes.
3. Developer: $75,000 a year
4. Virtual recruiting: $30-40 an hour
5. Healthcare outreach: $25-30 an hour
For simpler, quicker
ways to make extra money while you’re home with kids, try these 14
ways to cash in on naptime.
8 Easy Ways to Make Extra Money
These jobs can beef up your bank account, and you choose the hours you want to work.
These jobs can beef up your bank account, and you choose the hours you want to work.
Got Consumer
Gripes? Here are High Level Company Contacts
Sometimes the regular customer service department of
major companies won't help you with a problem despite your pleas. Here is a
hand-curated list
of top company executives in various industries compiled by Christopher
Elliott, a leading consumer advocate/reporter best known for his travel
writing.
http://elliott.org/company-contacts/
10 FREE date ideas your wife will love
"In the
first quarter of 2017, the percentage of trade-ins on new-vehicle sales that
had negative equity reached a record 32.8 percent. The average amount of
negative equity, at $5,195, was also a high, Edmunds data show." Let me
translate that to English, nearly 1/3 of people who buy a new car owed more on
their old car than it was worth. By nearly $5,200!
The article went on to say: "Loans lasting 73 to 84 months have also increased, according to Experian, making up 32.1 percent of new-vehicle loan share in the fourth quarter of 2016, compared with 29 percent a year earlier. On the used-vehicle side, loans lasting 73 to 84 months accounted for 18 percent of the share, up from 16 percent a year earlier."
To put that simply, it means that to keep their payments low, 1/3 of new car buyers chose a loan of between 6 and 7 years! And even 18% of used car buyers chose a loan that long. That's an significant increase from past years, which means that the trend is getting worse!
What can you do about it? First, become informed. For instance, on a 3 year auto loan for $30k, after one year, the amount you'd still owe would be down to $20,300 (assuming a 3% interest rate). If you had a 7 year loan, it would only have dropped to $26,100.
The article went on to say: "Loans lasting 73 to 84 months have also increased, according to Experian, making up 32.1 percent of new-vehicle loan share in the fourth quarter of 2016, compared with 29 percent a year earlier. On the used-vehicle side, loans lasting 73 to 84 months accounted for 18 percent of the share, up from 16 percent a year earlier."
To put that simply, it means that to keep their payments low, 1/3 of new car buyers chose a loan of between 6 and 7 years! And even 18% of used car buyers chose a loan that long. That's an significant increase from past years, which means that the trend is getting worse!
What can you do about it? First, become informed. For instance, on a 3 year auto loan for $30k, after one year, the amount you'd still owe would be down to $20,300 (assuming a 3% interest rate). If you had a 7 year loan, it would only have dropped to $26,100.
Take action
to make sure that you don't become a casualty of the auto loan debt trap. When
you've been paying for a car for 3 or 4 years and you're still upside down,
that's a sign that you're headed for trouble!
5 Free Letters Written by Government
Attorneys To Stop Bill Collectors
Download Copies of Letters from This Link:
1)
The "More Information" Letter
2)
Dispute and Proof Letter
3)
Don't Call Me I'll Call You Letter
4)
The "Talk To My Lawyer" Letter
5)
Drop Dead Letter
Download
to Learn How Bill Collectors
Are
Breaking the Law When They Call You
Download
to Learn to Flex Your Rights with Bill Collectors
Learn How to Collect $1,000 from Debt Collectors
Who Don't
Follow the Law
Contributors and subscribers enable the Poor Man Survivor to post 150+ free essays & free reports that I provide annually. It is for this reason they are Heroes and Heroines of New Media. Without your financial support, the free content would disappear for the simple reason that I cannot keep body and soul together on my meager book sales & ecommerce alone. You can make a donation at top of this page via PayPal.
Additional
Resources
What
Are You Willing to "Give Up" to Win Financially?
Sacrifice is the act of giving up something you value for the sake of something that's more important to you. What are you willing to sacrifice to improve your financial situation?
Sacrifice is the act of giving up something you value for the sake of something that's more important to you. What are you willing to sacrifice to improve your financial situation?
Flexible spending
account
(n)
A special savings account you use for certain out-of-pocket
health care costs like doctor’s office co-pays or prescriptions. You contribute
pretax money. Similar to a health savings account,
except FSAs can only be set up by employers.
Even though you’re contributing
the money, FSAs help you save money on medical expenses, because you don’t pay
taxes on those dollars. You might not realize you can use your FSA
for a host of things not often covered by traditional insurance — like
sunscreen, lead-paint removal in your home, service animals, abortions,
condoms, sunglasses and more. Here are 26 surprising things you can buy with your FSA.
Find resources for making money and more here:
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2 comments:
I have friends who can use the info on stopping bill collectors-great info!
Now, if we could just figure out a way to STOP all those damned pesky telemarketers from calling!
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