Archive for October, 2006

9 Weird Things About Me

Posted on October 24, 2006. Filed under: All Me |

Current Mood: Playful

Thanks to Schatzi Im going to post this as she did on her site. (imma do more though)

  • I do random things “4″ times, such as sip my bottled water “4″ times in a row.
  • After I shower withing 5 minutes I have to pee
  • I also as Schatzi, talk in my sleep. Have no clue what i say but my guy tells me the next day.
  • TY told me “watching reality Tv” is one Roftlmao. I like the show “Little people, big world” its a show on Little people or aka. midgets.
  • I have a period that lasts for 6 days..smh
  • I shower twice a day. Cleanliness is next to godliness
  • At night, I cant sleep unless I pee and if i even think about peeing before falling asleep then i have to pee really bad.
  • After I shower and lotion-up, I hate to put on jeans right after, I have to walk around for a minute to get dry and etc., they just feel so weird and tight on me. :sigh: its a process lol
  • I constantly touch my significant other…such as always massaging his back or rubbing his head while he lays it in my lap. I cant keep my hands off, im affectionate
  • When im on my treadmill listening to beyonce songs on my ipod, i think im beyonce singing on stage and be dancing and running LOL
  • I have dreams about someone tryna kill me after eating anything with sugar late at night
  • I never been dumped, always been the dumper
  • Has managed to never do Number #2 when my guy’s around and we live together roftlmao, I dont wanna hear it lmao.
  • Im a 25 yr old who plays the sims 2 LOL.
  • I used to beat up boys when I was little lol even tho i was wild skinny.
  • I dont like the smell of hospitals or hospital food.
  • Everyone who reads this is tagged to do a similiar post!

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    10 things to know about debt

    Posted on October 19, 2006. Filed under: Financial |

    1. Americans are loaded with credit-card debt.
    The average American household with at least one credit card has nearly $9,000 in credit card debt, according to CardWeb.com, and the average interest rate runs in the mid- to high teens at any given time.

    2. Some debt is good.
    Borrowing for a home or college usually makes good sense. Just make sure you don’t borrow more than you can afford to pay back, and shop around for the best rates.

    3. Some debt is bad.
    Don’t use a credit card to pay for things you consume quickly, such as meals and vacations, if you can’t afford to pay off your monthly bill in full in a month or two. There’s no faster way to fall into debt. Instead, put aside some cash each month for these items so you can pay the bill in full. If there’s something you really want but it’s expensive, save for it over a period of weeks or months before charging it so that you can pay the balance when it’s due and avoid interest charges.

    4. Get a handle on your spending.
    Most people spend thousands of dollars without much thought to what they’re buying. Write down everything you spend for a month, cut back on things you don’t need, and start saving the money left over or use it to reduce your debt more quickly.

    5. Pay off your highest-rate debts first.
    The key to getting out of debt efficiently is to first pay down the balances of loans or credit cards that charge the most interest, while paying at least the minimum due on all your other debt. Once the high-interest debt is paid down, tackle the next highest, and so on.

    6. Don’t fall into the minimum trap.
    If you just pay the minimum due on credit-card bills, you’ll barely cover the interest you owe, to say nothing of the principal. It will take you years to pay off your balance and potentially you’ll end up spending thousands of dollars more than the original amount you charged.

    7. Watch where you borrow.
    It may be convenient to borrow against your home or your 401(k) to pay off debt, but it can be dangerous. You could lose your home, or fall short of your investing goals at retirement.

    8. Expect the unexpected.
    Build a cash cushion worth three months to six months of living expenses in case of an emergency. If you don’t have an emergency fund, a broken furnace or damaged car can seriously upset your finances.

    9. Don’t be so quick to pay down your mortgage.
    Don’t pour all your cash into paying off a mortgage if you have other debt. Mortgages tend to have lower interest rates than other debt, and you may deduct the interest you pay on the first $1 million of a mortgage loan. (If your mortgage has a high rate and you want to lower your monthly payments, consider refinancing.)

    10. Get help as soon as you need it.
    If you have more debt than you can manage, get help before your debt breaks your back. There are reputable debt counseling agencies that may be able to consolidate your debt and assist you in better managing your finances. But there are also a lot of disreputable agencies out there. (Click here for a guide to figuring out the difference.)

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    10 things to know about debt

    Posted on October 19, 2006. Filed under: Financial |

    1. Americans are loaded with credit-card debt.
    The average American household with at least one credit card has nearly $9,000 in credit card debt, according to CardWeb.com, and the average interest rate runs in the mid- to high teens at any given time.

    2. Some debt is good.
    Borrowing for a home or college usually makes good sense. Just make sure you don’t borrow more than you can afford to pay back, and shop around for the best rates.

    3. Some debt is bad.
    Don’t use a credit card to pay for things you consume quickly, such as meals and vacations, if you can’t afford to pay off your monthly bill in full in a month or two. There’s no faster way to fall into debt. Instead, put aside some cash each month for these items so you can pay the bill in full. If there’s something you really want but it’s expensive, save for it over a period of weeks or months before charging it so that you can pay the balance when it’s due and avoid interest charges.

    4. Get a handle on your spending.
    Most people spend thousands of dollars without much thought to what they’re buying. Write down everything you spend for a month, cut back on things you don’t need, and start saving the money left over or use it to reduce your debt more quickly.

    5. Pay off your highest-rate debts first.
    The key to getting out of debt efficiently is to first pay down the balances of loans or credit cards that charge the most interest, while paying at least the minimum due on all your other debt. Once the high-interest debt is paid down, tackle the next highest, and so on.

    6. Don’t fall into the minimum trap.
    If you just pay the minimum due on credit-card bills, you’ll barely cover the interest you owe, to say nothing of the principal. It will take you years to pay off your balance and potentially you’ll end up spending thousands of dollars more than the original amount you charged.

    7. Watch where you borrow.
    It may be convenient to borrow against your home or your 401(k) to pay off debt, but it can be dangerous. You could lose your home, or fall short of your investing goals at retirement.

    8. Expect the unexpected.
    Build a cash cushion worth three months to six months of living expenses in case of an emergency. If you don’t have an emergency fund, a broken furnace or damaged car can seriously upset your finances.

    9. Don’t be so quick to pay down your mortgage.
    Don’t pour all your cash into paying off a mortgage if you have other debt. Mortgages tend to have lower interest rates than other debt, and you may deduct the interest you pay on the first $1 million of a mortgage loan. (If your mortgage has a high rate and you want to lower your monthly payments, consider refinancing.)

    10. Get help as soon as you need it.
    If you have more debt than you can manage, get help before your debt breaks your back. There are reputable debt counseling agencies that may be able to consolidate your debt and assist you in better managing your finances. But there are also a lot of disreputable agencies out there. (Click here for a guide to figuring out the difference.)

    Read Full Post | Make a Comment ( Comments Off on 10 things to know about debt )

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