*It's called transpiration. It's the process by which plants emit water vapor thru their skin. And it can work for YOU, Dawg! You take plastic bags and tie them around tree branches and plant limbs, and the bags will hold the transpired water. At the end of the day you have some H20. It's the kind of thing you should know, in case you are ever in a situation where water is more precious than...extra plastic bags.
*Right now at least two major banks are offering free money to people who open a checking account with them. One bank is offering $50 for free with an initial $100 deposit. They will place the money in your account within 45 days, and then it's yours. The other bank is offering $100 free with an initial $100 deposit. The free $100 is yours to keep after 6 months. What I'm saying is, take up offers like this and cash the accounts out as soon as the cash is all yours, free and clear. Then take that money and buy something with lasting value, like ammo or silver. Sometimes you have to go into the bank and set the account up in person. Other times you can set it up online. But no matter how you slice it, Homecake, the process of opening and then closing a single bank account will take 1.5 hours max (probably more like 45-60 minutes), and thus you make $25 - $75 an hour when all is said and done. Now THAT's vodka money!
*If you are disciplined with credit cards and finances, then accept 0% credit card offers. Make a single large purchase with each card, ie: that thing you've needed/wanted to buy for some time, like a shed, or new truck tires, or a new hunting rifle, or a cow. Then destroy the credit cards. Pay the monthly minimums on them until your 0% offers end. Pay the rest of the balances off at the last possible moment, just before you start to owe finance charges. This is perfectly legal, and works. It can affect your credit rating slightly, but if you don't need a loan, it's not an issue. I've done it, to great effect. If you are really smooth, you can wait til one card is about to start accruing finance charges, and flip that balance onto a brand new 0% card. Never make more than one purchase on each card. Never have more than one balance on each card. It is possible to string a balance along for several years using this method. I've done it. I know someone who bought a car this way and took 6 years to pay it off. The thing about this little secret is...it smells good. Don't it?
*I just read that ING Direct (an internet bank) has a very high credit rating (meaning it's financially sound). But don't take my word for it, go to bankrate.com and check for yourself. Anyhoo, ING Direct has traditionally offered savings accounts with higher-than-average interest rates, and no fees, and a $25 bonus for opening an account, and a $10 bonus for referring someone else who opens a new account. Right now they are offering a $20 referral bonus. I've had an account with ING Direct for some time, and let me just say that it's nice not to be nickel-and-dimed to death. Some will argue that the dollar amounts I just mentioned are so trivial as to be unimportant, but I disagree. It's the difference between having a savings account and watching fees and shitty interest rates chip away at it month by month, or having a savings account that GIVES ME FREE MONEY so that every month I always have more in it than the previous month, whether or not I myself add money to it...you dig?
*One last thing. In my experience, small banks treat their customers well. For instance, I belong to a small regional bank that has less than 20 branches. And because of this, they automatically refund all ATM charges. Again, avoiding banking fees rocks.
*One FINAL last thing. Check out bank ratings on bankrate.com. Then go with a secure bank, one that has a very high credit rating. It's your choice. Why not use that freedom to your advantage?
*Right now at least two major banks are offering free money to people who open a checking account with them. One bank is offering $50 for free with an initial $100 deposit. They will place the money in your account within 45 days, and then it's yours. The other bank is offering $100 free with an initial $100 deposit. The free $100 is yours to keep after 6 months. What I'm saying is, take up offers like this and cash the accounts out as soon as the cash is all yours, free and clear. Then take that money and buy something with lasting value, like ammo or silver. Sometimes you have to go into the bank and set the account up in person. Other times you can set it up online. But no matter how you slice it, Homecake, the process of opening and then closing a single bank account will take 1.5 hours max (probably more like 45-60 minutes), and thus you make $25 - $75 an hour when all is said and done. Now THAT's vodka money!
*If you are disciplined with credit cards and finances, then accept 0% credit card offers. Make a single large purchase with each card, ie: that thing you've needed/wanted to buy for some time, like a shed, or new truck tires, or a new hunting rifle, or a cow. Then destroy the credit cards. Pay the monthly minimums on them until your 0% offers end. Pay the rest of the balances off at the last possible moment, just before you start to owe finance charges. This is perfectly legal, and works. It can affect your credit rating slightly, but if you don't need a loan, it's not an issue. I've done it, to great effect. If you are really smooth, you can wait til one card is about to start accruing finance charges, and flip that balance onto a brand new 0% card. Never make more than one purchase on each card. Never have more than one balance on each card. It is possible to string a balance along for several years using this method. I've done it. I know someone who bought a car this way and took 6 years to pay it off. The thing about this little secret is...it smells good. Don't it?
*I just read that ING Direct (an internet bank) has a very high credit rating (meaning it's financially sound). But don't take my word for it, go to bankrate.com and check for yourself. Anyhoo, ING Direct has traditionally offered savings accounts with higher-than-average interest rates, and no fees, and a $25 bonus for opening an account, and a $10 bonus for referring someone else who opens a new account. Right now they are offering a $20 referral bonus. I've had an account with ING Direct for some time, and let me just say that it's nice not to be nickel-and-dimed to death. Some will argue that the dollar amounts I just mentioned are so trivial as to be unimportant, but I disagree. It's the difference between having a savings account and watching fees and shitty interest rates chip away at it month by month, or having a savings account that GIVES ME FREE MONEY so that every month I always have more in it than the previous month, whether or not I myself add money to it...you dig?
*One last thing. In my experience, small banks treat their customers well. For instance, I belong to a small regional bank that has less than 20 branches. And because of this, they automatically refund all ATM charges. Again, avoiding banking fees rocks.
*One FINAL last thing. Check out bank ratings on bankrate.com. Then go with a secure bank, one that has a very high credit rating. It's your choice. Why not use that freedom to your advantage?
No comments:
Post a Comment