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Posts made by mikk1
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RE: TIME = MONEY: Collection of PWF strategies to SAVE TIME (even if it cost money)
@marcopolomle said in TIME = MONEY: Collection of PWF strategies to SAVE TIME (even if it cost money):
@ma-barker said in TIME = MONEY: Collection of PWF strategies to SAVE TIME (even if it cost money):
btw, talking of deductibles, I know of someone who chose the highest deductible to get lower premiums on their auto insurance. Then one day, she got involved in a minor accident that needed minor repairs to her car. When she filed a claim, she realized she has to come up with her deductible first before insurance takes the rest of the tab; she didn’t have an EF to cover for it so she can’t have her vehicle repaired.
Wonder why she filed a claim.
The whole idea behind this strategy is to pay OOP for minor repairs.
Also, the premium goes up if you use insurance claims.Exactly. The savings achieved by having high deductible should go into the emergency fund to cover a minor occurrence. What I initially saved in premiums was enough to fund a 1MM umbrella policy I added to cover me if things really go South.
It’s all just a risk/reward game and everyone has to play it the way that works best for their individual circumstances.
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RE: TIME = MONEY: Collection of PWF strategies to SAVE TIME (even if it cost money)
@ma-barker said in TIME = MONEY: Collection of PWF strategies to SAVE TIME (even if it cost money):
We have free supply of wood from a tree company that dumps the tree cuttings in our property. We invested in a wood burning heater and log splitter which were not cheap, but it has lowered our bills during the winter. I also managed to sell the excess wood we have when people stop by offering X amount for Y amount of wood; I take whatever offer knowing supply always gets replenished.
We’ve also maxed out our home insurance deductible to the point we’re “insuring” ourselves for catastrophic events. … … It seems costly at times but we’re of the mindset that it’s going to be way more expensive if we don’t make the necessary repairs now.
Same here. Deductibles as high as I can get them and accepted the fact that “small” things are on me years ago. Unless it’s something major, it’s not worth filing a claim and screwing my future rates/insurability.
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RE: TIME = MONEY: Collection of PWF strategies to SAVE TIME (even if it cost money)
This one may seem a little silly, but it has become a huge time saver for me - and no cost - if you wear buttoned shirts, don’t fully unbutton them prior to washing. I used to dread big loads of laundry because I’d spend tons of time fixing the ones that turned inside-out in the wash, then putting on hanger, doing all the buttons to get them to hang straight, then straightening collar. Now I just undo the top button or two and pull the shirt over my head - they don’t turn inside out as often and the hanging/re-buttoning is way faster and less frustrating. Wish I hadn’t spent years feeling like I had to undo all the buttons for them to get clean…
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RE: TIME = MONEY: Collection of PWF strategies to SAVE TIME (even if it cost money)
An expensive one, but another I feel well worth the investment, was a whole-house generator with an automatic transfer switch. I can travel in winter without worry of power loss leading to frozen pipes/flooded house. In the heat of summer I don’t have to worry about pets or loved ones getting too warm in a heat wave due to lack of AC. If you work from home, paired with a UPS for computers, no worries about continuing to work.
Added bonus - while the neighbors are lighting candles and digging for flashlights, I’m still streaming Netflix and not afraid to open the fridge to get a cold beverage.
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RE: TIME = MONEY: Collection of PWF strategies to SAVE TIME (even if it cost money)
Gutter guards to keep all the crap out this time of year. Cost me a couple hundred bucks to have them installed a few years ago. Value of not spending a couple hours to clear them, rodding clogged downspouts in the rain, and risking my a$$ on the roof (potentially also damaging shingles) = priceless.
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RE: Welcome FatWallet Refugees
@NittanyLioness …and if someone doesn’t tag, you can also use search at the top of the page (the magnifying glass) to search for Kohl - that way you’ll get hits for both Kohl’s and Kohls
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RE: Welcome FatWallet Refugees
@ruthie said in Welcome FatWallet Refugees:
I just want to say thank you for setting this up. I’m really grateful.
Welcome @ruthie! We’re grateful you decided to join us over here!
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RE: The Official "What I have won this year thread" (2017 wins)
@frugalfreak said in The Official "What I have won this year thread" (2017 wins):
i need to start checking marlboro more often
My mom won a $3500.00 refrigerator from them a few years ago!
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RE: The Official "What I have won this year thread" (2017 wins)
Jammy backpack (backpack with integrated Bluetooth speakers) from Camel a few weeks ago.
Zippo lighter from Marlboro a month or so ago.
Quit smoking 6+ years ago, hoping to continue winning back some of my sunken costs…
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RE: Class Actions Website
I tweaked the title. TopClassActions.com is another decent one.
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RE: Individual Stocks/Investments
@David-Scubadiver Please do! I’d definitely be interested in hearing your thoughts/experiences.
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RE: Swagbucks, $25 e Cards 12% Off, 2,200 pts.
not pulling legs, tired, scattered, time to stop posting!
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RE: Swagbucks, $25 e Cards 12% Off, 2,200 pts.
Any suggestions for a guy who needs to buy a couple hundred dollars in Starbucks gift cards?
Some of my co-workers were nice to me and I like to reciprocate by keeping them well caffeinated.
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RE: Post your favorite windows software thread
@redmed said in Post your favorite windows software thread:
FYI
Went to install “Cute PDF Writer” and Malwarebytes found a PUP in it.Malwarebytes is definitely a good add to this list. I was lucky enough to get a lifetime license one time they ran a promotion in the past. Even if you have to get it with annual renewal fee, it’s money well spent in my opinion. It has often detected potential threats that my anti-virus did not.
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RE: Target is selling the Cricket Wireless Prepaid Cards Buy One Get One 25% Off
Other than the WM trick, does anyone see deals on Virgin Mobile cards anymore?
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RE: Sacramento Bee Loyalty Club (aka SacBee Rewards fka BeeBuzzPoints)
There are several folks here who will be glad to answer any questions you may have @taurus742
Thanks for joining us!
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RE: Welcome FatWallet Refugees
Welcome @nelleenie glad you joined us!
I have no inside knowledge, but suspect the lack of information coming out about the shutdown would indicate that the mods/staff at FW have their hands somewhat tied right now - they probably can’t say or do much until the dust settles. I have to believe they are all as upset about this as we are, and their futures just became rather uncertain.
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RE: Sacramento Bee Loyalty Club (aka SacBee Rewards fka BeeBuzzPoints)
@kateivan said in Sacramento Bee Loyalty Club (aka BeeBuzzPoints):
Thanks for the comment, which I see was downvoted?? (Not by me, though I imagine it could be because “agreed” might not meet the community guidelines.) Am I correct in assuming that userids are displayed for upvotes, but not for downvotes to help avoid conflict? Or am I missing something? And if this is answered in the FAQ or elsewhere, please don’t hesitate to tell me to go look there.
If someone wants to down vote me, that’s fine - can’t expect everyone to agree with everything. When it’s in response to a compliment, just ignore it and move on! I can’t speak into the reasoning behind only seeing upvotes but your logic on it seems like a good reason - @dangeRuss would need to answer definitively however.
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RE: Looking for visa cash back debit
@bob Green dot Visa if it would work for your situation