Displaying 1 - 10 of 33 Forum Posts1 2 3 4 Next
  • Mar 29, 2021 06:11 PM
    Last: 1mo

    One thing that really frustrates me about our federalist system is that we have a ton of great programs funded by the federal government meant to help individuals and families who are struggling to get by, but since they are administered by the states and territories people often know nothing about the fact that they may be eligible for financial assistance for any number of necessities in life.

    One program that many people may not be aware of is the "Low Income Home Energy Assistance Program" (LIHEAP). This program helps low-income people and families with heating and air conditioning costs, among of number of other things, and can help keep the electricity on for people who have fallen on tough times.

    Why we don't advertise programs like these more baffles me, but if you're someone who is struggling right now and could use some help paying your electric and gas bill then it can't hurt to see if you qualify. Who knows? Maybe you will and can start receiving some much needed help that you never knew existed.

  • Mar 25, 2021 02:45 PM
    Last: 1mo
    therealsatoshi Wrote: It is logical but unfortunately it won't ever happen. Fiat currency like the US dollar are inherently inflationary. At least until they no longer print more of it.
    I don't know if it won't ever happen again, but I agree with most of your point. Could you imagine if we still printed all the money our government (and to be fair, many other Western democracies) spend? We'd run out of trees in days.
  • Mar 23, 2021 02:19 PM
    Last: 2mo

    Have big box stores changed their lending practices since I was in my early 20's? Heck - Best Buy offered me a credit line of $10,000 when I was making less than $30,000/year in the early 2000's. Needless to say I got in wayyyy over my head and it took me years to pay off. A $1,500 TV probably wound up costing me almost three times as that. I stopped counting after awhile.

    I only have a couple store credit cards - Best Buy (which I now pay off in full whenever I use) and Kohls (which I also pay off in full). I didn't have any issues getting either, but I've also had them for a long time. Maybe these stores have changed who they are willing to lend to?

  • Mar 16, 2021 03:20 PM
    Last: 2mo

    If I were a betting man I'd bet that we're pretty much done with additional stimulus checks unless we have some other huge surge where we have to go back into shutdown. That's unlikely now that the vast majority of the most vulnerable have already gotten their shots. I'm not opposed to additional stimulus at all, but I just don't see it happening.

    One thing I can see happening is the extension of the weekly unemployment supplement if the unemployment rate is still uncomfortably high towards the end of when the additional benefits expire, but even there I think it's unlikely because I have a pretty strong feeling the economy is going to rebound pretty strongly this year. People are itching to get back to normal and normal is dining out, going to movies, and spending some extra money if they are able to.

  • Mar 21, 2021 04:46 PM
    Last: 2mo
    BlankCheck Wrote: That's exactly why I make sure I pay mine every month and not quarterly. It's simpler that way. And I pay a few percentage points over what I should, just in case. I was in trouble with not paying enough once before, and I never want to get into with the IRS again.

    You and me both! I received horrendous tax advice from a major tax preparation company (I won't put them on blast here) and they woefully underestimated what my quarterly payments should be one year. It was the first year I began working as a 1099 contractor and I received the shock of a lifetime when I went to file my taxes the next year.

    To the surprise of nobody, the IRS was hardly sympathetic and simply offered me two options - pay it off in full or submit monthly payments (with interest) until it's paid off. It took me 3+ years of monthly payments to pay it off.

    Needless to say, I no longer use that major tax preparation company.

  • Mar 23, 2021 12:18 PM
    Last: 2mo

    Didn't Pizza Hut give out free individual pizzas for birthdays or was that for the Book Club thing they did?! Memories mix together as you get older.

    My wife will always tell a server it's my birthday at whatever restaurant we go to and I typically get a free dessert or something. I do the same for her. Other than that, I haven't tried to get much for free on my birthday. I don't consider myself a shy person, but there's just something uncomfortable about telling a stranger that it's my birthday being in my mid-30's and all!

  • Mar 22, 2021 07:59 PM
    Last: 2mo
    I don't, but one of my great friends boyfriend is a Native American artist who does 100% of his work online. It's a lot of work, but he's doing pretty well for himself. It did take him awhile to build his name up, so all I would say is be patient and make sure you make something people want to buy :)
  • Mar 22, 2021 03:53 PM
    Last: 2mo

    One of the most popular aspects of the three stimulus bills passed into law is the additional money added each week to peoples unemployment checks. Originally at and additional $600/week and now at $300/week, this extra money has been a lifesaver for potentially millions of Americans. It also shines a bright light on how the unemployment system as we know it is woefully inadequate and isn't set up to help people and families the way it was originally intended to.

    I don't really know what can be done at the federal level because the unemployment system is run by the states, but I would like to see something done on a permanent basis because the unemployment system as we know it is a mess.

    Does anyone have an idea what Congress could do outside of passing a federal unemployment law? Could that even be done in the polarized environment we currently find ourselves in?

  • Feb 11, 2021 01:19 PM
    Last: 2mo
    My wife and I were waiting to see what the income caps for the stimulus checks were before we filed, but decided to file once we realized we won't be getting a check. We qualified for the earlier checks, but were over the limit for the 3rd.
  • Mar 20, 2021 03:43 PM
    Last: 2mo
    Now that they are getting a lot more affordable and basically every major company has at least one or more options, I can see myself getting one when we need to get a new car. We bought a new car in 2016 and are just about to have it paid off later this year, so I'm in no rush at the moment, but will certainly be open to it when the time for a new car comes.