But is anybody else tired of wimpy mortgage modifications and this endless national soap opera?
This post comes from Marilyn Lewis of MSN Money.
Anybody besides me sick to death of mortgage modification plans, programs, problems, hopes, dreams, failures?
I guess we’ll have to just suck it up and stay tuned because this big soap opera appears to have legs. The latest installment -- let’s call it the modified modification plan -- might have a chance at some modest success.
What’s wrong with the first one?
With D.C. packed for tourist season, bloom watchers might turn elsewhere.
Regardless of what you may have heard about May flowers, the blooms that draw the most visitors to Washington, D.C., arrive in late March.
This year’s National Cherry Blossom Festival began on Saturday and runs through April 11. The more than 3,700 cherry trees that line the Tidal Basin and other sites in the capital are forecast to hit their peak bloom date on Thursday or Friday. Peak bloom for these famous trees, a gift from Japan in 1912, translates to peak tourism season for the city where they grow. Bloom chasers would be wise to time their spring trips this year with that in mind -- and maybe even consider some other destinations.
Two sisters face the challenge of caring for parents who are unable or unwilling to care for themselves.
“Shtinkykat” and her sister face probably the biggest challenge of their young adult lives: Their parents subsist on Social Security and a tiny pension in a rental after years of financial irresponsibility. Not even a modest home to call their own.
Now, their father is suffering from dementia. And adhering to a pattern she's consistently followed, their mother has left him in charge of the finances and is trying to lay a heavy guilt trip on the girls (which they resist). Sample One: "Oh, now I see you and your sister just want your dad and me dead!" Sample Two: "I've sacrificed EVERYTHING for you girls and this is how you treat me!"
The answer to this simple question can motivate and guide you as you reduce clutter.
However, I ran into a problem because I know I’m not actually moving overseas. It’s like setting your alarm clock 10 minutes ahead -- you always know it’s 10 minutes ahead. I can’t seem to trick myself into behaving in a way that makes the game beneficial. And, since I already own much less stuff than the average American, I’m using that as some strange justification for my decision-making process.
I’ve come to realize that this game isn’t for me and that I need a new approach. Taking the place of “I’m moving overseas!” is my new “how much is enough?” evaluation procedure.
The premise of “how much is enough?” is simple:
Some companies that offer to help you settle your credit card debt for less are not what they claim to be.
The ads for credit card debt-settlement companies make it sound pretty easy: If you have $10,000 or more of credit card debt, these firms say they can negotiate with your lender so that you can walk away from all but a small percentage of the money you owe.
Are these promises on the level? The Better Business Bureau calls the debt-settlement industry one fraught with "inherent problems." That's a diplomatic way of saying some of these companies are outright scams. In recent months several have been targets of legal action by state attorneys general.
Grab your unclaimed tax refunds by April 15. Plus, other places to find cash.
Lose track of $100 or more? You? Even if you carefully balance every penny in your checking account, it’s a definite possibility.
The states are collectively holding on to more than $32.8 billion in unclaimed assets in the form of dormant bank accounts, stock splits, life insurance payouts, gift cards, uncashed payroll checks and other funds, reports the National Association of Unclaimed Property Administrators. In all but two states, there’s no time limit to declare ownership. (Idaho allows 10 years to make a claim; Indiana, 25.)
- Video: How to claim unclaimed cash
But if you’re owed a federal tax refund, better get a move on.
For example, one beauty blogger found that using Crisco on her skin worked just as well as an expensive face cream.
Like many of you, I’m a proponent of quality over quantity. I’d rather buy one good coat that will get me through three seasons and last for years than replace a poorly made, cheap one every year.
But it’s important to consider that expense is not necessarily an indication of quality. And even when the more expensive item is of higher quality, it might not be the best buy.
The following are five examples that illustrate that the more expensive option isn’t always worth the extra expense.
For example: Both suitcases and meals could be lighter.
I’m in Arizona on another frugal vacation, this time visiting my daughter and son-in-law. In a couple of months Phoenix will become Satan’s Fry Daddy, but current temps in the low 80s feel downright balmy. It’s a dry heat, remember?
Getting here was a nail-biter. I was on standby because I was traveling on a buddy pass given to me by a friend. At the last minute half a dozen airline employees showed up asking for seats. The only reason I got on the plane at all was that one of the employees, bless his heart, agreed to take the jump seat. Luckily he didn’t change his mind and require me to sit on a toilet for most of the flight.
Thanks to the pass my round-trip ticket cost only $86.40, including all fees. Not everyone has access to that kind of discount. But in the past week I’ve learned or relearned a handful of other things about frugal travel:
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