Sunny
-
Posts
298 -
Joined
-
Last visited
Content Type
Profiles
Forums
Events
Blogs
Classifieds
Store
Posts posted by Sunny
-
-
I would definately think he could get work rebuilding in the South... New Orleans and area. They are still attempting to get rebuilt after Katrina!
-
I highly recommend the book Before and After Getting Your Puppy by Dr. Dunbar. It will answer so many questions about how to prepare and be ready when you bring that pup home.
Basically, we made sure that our pup never had an accident in the house. It requires diligence! but, the reward is that you have a housetrained dog very quickly. By that, I mean that they know to go outside. It does not mean that you can leave the dog inside when you leave and come back and things will be as you left them!
We used the crate for training. It really helped so that they knew where to sleep, where not to potty, and it was a great safe place to let her stay when we were gone. We also put her toys in there so that she learned appropriate things to chew on. We never had anything she ruined because she was left to roam and destroy.
Puppies are lots of fun, you just have to be prepared. I hghly recommend this book.
-
We bought my dh's family home.
We had it appraised, then used an escrow company to do the transfer of deed and record the new lien. We found the loan we wanted and had them send the paperwork to escrow. All we had to do was "instruct" our escrow agent as to what the "deal" was. They wrote it up and recorded the sale. We did it this way, because I worked at an escrow company and they didn't charge us anything... so shop around because they'll do this fairly cheap these days.
Just to let you know, they don't care what the price is. We had it appraised so that the family knew where the house stood, and when they sold it to us for a little cheaper, we wrote up an agreement that stated why. In this case because there were no fees for sale and we handled everything for them, and it was also during a down turn in the market, and we felt that the appraisal was a bit optomistic.
The only legal implications if you do it, is that you must move into the house, and not be simply hiding the estate from the IRS for your parents. If they are moving out, you wont have anything to worry about. If they do live there until later, you'll need to show that you bought the house for yourself and in exchange for a better price, you are taking care of them.
-
I've had a foreclosure/repo. It isn't something I would do again. My house wouldn't sell, and I didn't know I could go to the bank and possibly get a short sale. Lots of houses were empty in my neighborhood, and it was a bad scene.
Anyway, it did prevent me from getting good car loans, and when I finally got married and wanted to buy a house with my dh, they would not accept me on the title, 5 yrs. later.
The worst part of it all was the burden of wondering if they were going to come after me for the difference in sale. And, I didn't claim that "income" on my tax return, and felt like even the IRS would be on me. There are lots of these issues that technically anyone can get you for after the fact of you "walking away". It is costly to do so.
1. I would go to the bank and tell them the situation and ask them for a short sale in order to cut the price and get it sold.
2. get the realtor to put "foreclosure or short sale" in the ad. People around here are only buying these types of homes because they think they are a better deal.
3. If all that fails, which it shouldn't, rent it out even if it is at a loss of some. You will get plenty of tax advantages for this, and maybe the market will get better in a couple of years so that you can then get out of it. If you do this, attempt to get the bank to at least give you better lending terms.
-
I've only gotten numbers that have some nasty hard rock stuff. I didn't know if they actually picked that, or if it was some rotating music. I would never put that on my phone, in fear of offending others. People obviously pick what they like, but that doesn't mean others will appreciate it.
-
Making sure they understand phonics is important. They can't figure out words without it.
We use McCall Crabbs Standard Test Lessons in Reading to work on reading speed with comprehension. I got the older book from Back Home Industries that sells the older tests in one book. They are categorized by grade, and really help the child to read to understand and answer basic quesitons.
-
This is a cautious buyer, and it would be a good faith thing to give him the VIN. He most likely wants to check to see that it isn't stolen or been in an accident.
There isn't any way they can steal title by giving that out.
-
Puppies are lots of work. A purebreed pup is going to cost you plenty.
Getting a dog from a pound or rescue that has already grown will give you a pretty good idea of what they look like and act like.
I would not recommend a hound dog classification if you want that dog to not stray. Only if you have a really good fence, and plan to keep them indoors are they decent pets. They love to follow their noses, and who konws where they end up. Even my roomate's doxy was notorious for escaping when the door opened, and she would run to whereever there was a good scent.
I do highly recommend that you use animal planet's dog selection quiz. Then, if you want THAT breed you decide on, find some breeders. I got my dog from a breeder that kept her pick of the litter and then decided she wasn't the right dog for her breeding program. She was 5 months old, crate trained, 90% housetrained, microchipped, registered, and beautifully suited to the breed. I got her at a steal of a deal. She wasn't free, but no more than I would have paid for a cheap backyard breeder dog, or rescue dog that had no history. I found her through a yahoo group for the breed. I joined this group to learn more about the people and their dogs of this breed. When I was ready, I put out a request for a dog, and got several offers from breeders that had a dog to my specification. It worked for me really well. I ended up getting a second dog from the same breeder.
-
and grill outside the rest of the year.
If you must broil it, then just move the oven to the garage :)
-
Colleen, what makes you uneligible? Other than not filing by April 15?
-
so his big nose bleeds have been much less frequent.
However, when we moved to drier climate, he was bleeding again. We got a house humidifier and immediately his nose quit bleeding. Really... the next day he said he could tell the difference in his nose and no more bleeding.
-
is simply an old washcloth that I dampen ever so slightly and rinse as I go around. I've tried the dusters too, and they simply move around the dust. A damp rag actually collects it in the washcloth and I rinse it down the sink.
I also like the vacuum. I really like my new vacuum, it is a central vac unit, and the hose is plenty long to go where ever I want it to. I'm using it for all the blinds and ledges. I still prefer the damp cloth for top surfaces though, like tables and dressers.
-
We have some good friends that like fencing. They consider this more of a game of chess with real people. But, like most anything of a sport (even bowling), it does require toning and some conditioning. It's better than sitting around! There is also endurance, having to hold the arms out for long times. This is not a physical sport that their heart rate will be well elevated, but like mentioned, they always warm up and that may well be plenty to begin with.
-
Right, I haven't been expecting one until May, we got a letter telling us when and how much. Did you hear from them that they would be sent earlier?
-
I have had an IBM Thinkpad laptop for several years now. It is a tank. Made to survive corporate leases and believe me, it has proven it can. I got mine online from a dealer that sells the refurbished/lease turn ins. It was only a year old or so when I got it, and I paid $500 when laptops were WAY more than now.. Now, it is out of date, but it sure works great for the boys and school work, word processing and such. It runs Windows 2000, which is also a very stable operating system. You could search for a site that resells those corporate leases. They come with a nice warranty too.
I also have a Dell Inspiron 1501. If you buy a dell, be sure to get the extended warranty. It has worked really well, but the keyboard had a key that got loose and made havoc, and the DVD drive failed. Both times, they shipped me the part within 1 day, and arrangd a tech person to call me and walk me through the replacement. Apparantly, they have made these computers now, such that they have easy replacements and no sending in is necessary for those "external" parts! I was amazed I was able to do both those swaps without much trouble.
I wouldn't say this computer has been repair free, and unless you get a good coupon sale it is more than your budget. HOwever, search online for acoupon and like us, we got $400 off! I couldn't believe the deal they offered when I searched for a coupon.
Laptops are notorious for more repairs than desktops, and always more expensive. Make sure you really need one!
-
If you don't have any debt, you would be fine to simply read his book TMM. We watch him on Fox news too, when we remember :). If you can listen/watch him there, you wouldn't have too much trouble watching him on Financial peace seminar. He reminds me of Dr. Laura. He has been referred to as the Dr. Laura of the financial realm. So true. He gets in their faces and tells people what they need to do, whether or not they like it, it is usually very sound advice.
We were much in the same place as you. We didn't have alot of debt, we just didn't save anything either. After reading TMM, we got a plan, and had a goal. It gave us the next step. Because my Dh was raised with the principle that you don't borrow to buy stuff, we only had a mortgage.
Now, with the plan well in place, we have moved and are now mortgage free, emergency fund in place, and wealth being built. Dave Rocks! We went onair and announced when we were DEBT FREE even from a mortgage. It was great.
-
My dh is a painter, and he has painted MANY kitchen cabinets. If you brush them yourselves, of course they will not look like they came that way. If you pay someone with a good sprayer and quality work, you can convert your old wood to newly painted cabinets. Warning, they need to be good quality to begin with. We painted ours because they needed something, but I always wished we could have just replaced them because they were from the 60's and were poorly designed in the first place. Lots of unusable corner spaces and way too deep.
We just put in built ins for the school room. We have 2 kids, and we only made one wall with 2 spaces. It has turned out really nice. We use it as our home office and computer space when the boys are not using it for school. It is a well used room of the house. We put a built in bookcase in another room of the house because that was where the space was, but our "school" room has a nice big closet we use for all the school books and supplies. Above each desk is a small bank of shelves with the middle of both desks and shelves room for drawers and above cabinet. It looks nice and is tidy for the room. It cost us no where near 7k. We did paint grade and dh painted them. We put in formica counters. I think it as around 3k. Email me and I think I can email a picture, I don't know how to put one on this message.
-
Well, in the dark ages, "work place jobs" were reserved for 16 and up. However, I was doing full time babysitting for the full time workers because "camp" wasn't invented yet. I worked 50-60 hrs. / week at 13/14.
WOrking is good to keep a kid busy.
He can mow lawns, wash cars (detail is a good one), pet sit and walk their dogs, do yard work for elderly, or get a job. I bet he would make more though being independent.
-
Yep, this has become my favorite too. I used to sell everything here on WTM, but not so much with the new boards.
-
Best way I know is go to the software store and get Willmaker, by Quicken/Nolo legal. It is guaranteed to be legal, and it is customized. It took me about 2 hrs. to do both our wills. And, I got it for about $40.
Otherwise, I think the fastest, cheapest way is to hand write out a will, sign it. I believe some states will not let it be typed unless there are other witnesses involved. If you hand write it and sign it, I think you're usually covered.
-
We loved our year round schedule!
We did 6 on 1 week off. This was long enough to get a good unit of work in, but we easily saw the break at the end of the tunnel. For me, it was just enough time and a well deserved break.
We took off 2 weeks at Christmas, 2 for Easter, a week at Thanksgiving and the month of July. This still left plenty of time to take off each family member's birthday, ski days, and sick days.
Doing it this way gave us plenty of flex time.
Arranging this type of schedule is definately a family thing. It matters how the kids respond to lengths of time.
The thing I recommend thinking about is NOT scheduling so much time off that you don't have any flex time. By scheduling exactly 180 days, you're not leaving any room for sick or life happens days.
Also, I found it extremely helpful to have off at least some time in the summer while all the other kids are out. We did lots of swimming those days. Plus, the days we were schooling in Aug. were half days. We always started back up with just the basics, or we would pick just the electives that sometimes didn't get done during regular school.
-
Well, for us, we cut out almost $150,000 mortgage. That is not $300/mo, or 10% of a mortgage.
I would not think that you would benefit by such a small move. We sold and paid the mortgage off. That makes it worth it! And, I agree with you, for such a small amount, I sure wouldn't take a pay cut. No wonder you're on the fence! We took a pay cut, but you can see why it was still worth it.
-
That requires a tax professional to go over the pro's/con's of the expenses involved. The tax rate is stiff for taking out the retirement, so, generally NO. But, you need to confirm that it is allowed to buy a "first home".
-
My dh made me do this when we first got our dog. I thought it was more expensive to use the water. When he realized it wasnt soft and messy, and I was now dumping it in the trash, he's never looked back.
Has anyone tried the "Peticure" nail filing rotary tool for pets?
in General Education Discussion Board
Posted
I just got one of these!
Actually, after seeing the commercial, I checked out the web site, and noticed that they sell online, just the protector top if you already have a dremmel tool. We do, so I did order the adapter. It came last week, and WOW! I've always cut the nails the old fashioned way, and although my dogs have white nails and I don't clip into the quick, their nails grow quickly, and they click on our wood floors and are scratching them. So, I wanted to get the nails much shorter. And, the vet actor explained well how come my dogs still flinch even though I am not clipping their quick or drawing blood.
I have tried the dremmel tool without this end tip, and I can say it is scarry. And, the noise freaked out the dogs. This tip makes it more quiet, and it doesn't run away like it did before. Much more control.
I also really like how now I don't have to take the dogs out to run on the street after clipping nails, to wear down the rough edges. Sanding them smooth the first time is nice.
And, you can get the nails pretty tight. If you go over them more than a couple of times, you'll start generating too much heat, and that can burn them, so you can't file way down first time. You move from nail to nail, then come back and do them again and again. Once you get them to where they should be right up to the quick, then you won't have any trouble keeping them short.
I really like this new tool!