Just a quick rant about credit cards. If I could give one piece of advice to any young person, regarding finances, it would be to always pay off your credit cards every month!
What brought this to mind? My Mastercard bill for August. The grand total on it is just under $40 (a very quiet month, for me), but the estimated time to repay this piddly amount, if I make only minimum payments of $10 per month, is 5 MONTHS!
Why do we allow this sort of usury in our society? It's disgusting.
End of rant.
Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts
Tuesday, 13 September 2011
Sunday, 13 February 2011
A brief update from the island:
Things have been fairly quiet around here of late, as is usual in winter for us. We are spending a lot of time planning and dreaming, as it has become obvious that we'll have to do something about the cottage, within the next year or so.
Our hope had been to raise the building, putting a new foundation beneath and renovating the interior to better suit our needs. After consulting with a contractor, however, we were advised that the lifting would be difficult, expensive, and would leave us with so much work to still do that it made more sense to remove the old building and start anew.
Not that we have decided to do that, either. The old girl still has some life in her, after all; so we are considering other options. They all cost money, though, no matter what we end up going with. Lots of money, *sigh*.
We've been noticing how some of our bills just keep getting more bloated. The Bell bill is one of those. The cost of call answer just went up another $2 (plus HST, of course). Since we were in the market for a new telephone anyway, we picked up one with an answering machine built-in, and cancelled that feature.
The other big ticket on that bill is ExpressVu. We love to watch sports and movies, but most of the rest we can live without. Sad to say, TMN is not showing much of interest right now, and it looks like the Senators aren't going anywhere this year. So we took some advice from Holly and Larry, and signed up for Zip.ca, and put our satellite feed on hold until the end of April. (Not that it was easy to do. The Bell online service doesn't work worth a hoot, and I ended up having to phone for assistance several times. Their system is so annoying)
We're also watching some of our favourite shows via internet. The broadband feed is surprisingly good, and we pipe it right to our tv.
The only thing we are really missing is sports. There is no substitute for live tv when it comes to hockey (unless you go to the actual game!). For the time being we are living without it, and just watching the highlights on TSN.ca.
Well worth it, to save $100 per month. And we aren't feeling deprived in any way, having lots to watch just by surfing and getting the videos from Zip (we are finally watching 24, which we have never seen, and are deeply engrossed in season one!).
Iain got to see Down-Under Dave and a bunch of our other favourite people on Friday, an occasion I was sorry to miss. Saturday was spent getting Iain's Mom hooked up with a new computer, and it is now Sunday evening, and we are looking forward to another work week. Haha.
I am off to attack "The Girl With The Dragon Tattoo" again: I'm down to the last quarter and it's hard to leave it alone.
Our hope had been to raise the building, putting a new foundation beneath and renovating the interior to better suit our needs. After consulting with a contractor, however, we were advised that the lifting would be difficult, expensive, and would leave us with so much work to still do that it made more sense to remove the old building and start anew.
Not that we have decided to do that, either. The old girl still has some life in her, after all; so we are considering other options. They all cost money, though, no matter what we end up going with. Lots of money, *sigh*.
We've been noticing how some of our bills just keep getting more bloated. The Bell bill is one of those. The cost of call answer just went up another $2 (plus HST, of course). Since we were in the market for a new telephone anyway, we picked up one with an answering machine built-in, and cancelled that feature.
The other big ticket on that bill is ExpressVu. We love to watch sports and movies, but most of the rest we can live without. Sad to say, TMN is not showing much of interest right now, and it looks like the Senators aren't going anywhere this year. So we took some advice from Holly and Larry, and signed up for Zip.ca, and put our satellite feed on hold until the end of April. (Not that it was easy to do. The Bell online service doesn't work worth a hoot, and I ended up having to phone for assistance several times. Their system is so annoying)
We're also watching some of our favourite shows via internet. The broadband feed is surprisingly good, and we pipe it right to our tv.
The only thing we are really missing is sports. There is no substitute for live tv when it comes to hockey (unless you go to the actual game!). For the time being we are living without it, and just watching the highlights on TSN.ca.
Well worth it, to save $100 per month. And we aren't feeling deprived in any way, having lots to watch just by surfing and getting the videos from Zip (we are finally watching 24, which we have never seen, and are deeply engrossed in season one!).
Iain got to see Down-Under Dave and a bunch of our other favourite people on Friday, an occasion I was sorry to miss. Saturday was spent getting Iain's Mom hooked up with a new computer, and it is now Sunday evening, and we are looking forward to another work week. Haha.
I am off to attack "The Girl With The Dragon Tattoo" again: I'm down to the last quarter and it's hard to leave it alone.
Thursday, 25 September 2008
Next increase: taxes
Anyone else unhappy with their property assessment? We saw a huge increase in our cottage property: up about 120% over the previous amount. We owe it all to having waterfront, or so I understand. 
We love the place, but Iain will be more than happy to tell you about all of the work that needs to be done on the cottage and outbuildings! People seem to be desperate for waterfront, however, and that is driving the prices up in the valley.
If we get another algae bloom next year like we did this one, however, I may have to contest the assessment after all.
Wednesday, 11 June 2008
Not only ripped off at the pumps...
Iain receives a newsletter/commentary from a BMO financial advisor, Frank Lambros. His latest missive, entitled "Uh Oh… The Price Is Still Wrong" points out that although the Canadian dollar has averaged a value of $.988 US over the last year, the price gap on goods between here and south of the 49th is still huge, averaging 18% (!!!!??)
Here' s his list:
So where is the extra cash going? I would assume straight into the pockets of the retaillers, but I wish I knew.
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