One great way to save money is to move to a state/country with low overall taxes. This really works well if you are retired or soon will be. Kudos to Retirement Living Information Center for compiling the data.
States are listed alphabetically in three sections:
Often we use too much of some cleanser - thinking that's how much we need. Examples include dish soap, shampoo, shaving cream (you get the picture).
Try using half as much, if that works, try halving it again. Ultimately you'll find just the right amount to do the job but not be wasteful!
Being a glorified taxi driver (Lyft or Uber) doesn't do much for me!
Why not just rent your bike, surfboard, or skis
Put up a tent in your backyard and rent it (great for cities that have lots of big events/concerts in the summer)
Folks always need tools, why not share them
At our newly opened Slave Mart, I saw shoes for $4.99. So when they wear out in a few months, you buy new ones!
Cheapness -- and the decline in durability that has accompanied it -- has triggered an astonishing increase in the amount of clothing we buy. In the mid-1990s, the average American bought 28 items of clothing a year. Today, we buy 59 items. We also throw away an average of 83 pounds of textiles per person, mostly discarded apparel, each year. That's four times as much as we did in 1980.
Since 1995, the number of toasters and other small electro-thermal appliances sold in the U.S. each year increased from 188 million to 279 million. We buy more than 2 billion bath towels a year, up from 1.4 billion in 1994.
Three business professors illustrate how inducing manufacturers to cut product quality enhances Walmart's competitive position. "Because lower quality products are usually cheaper to produce, it is often argued that discount retailers induce lower quality in order to drive down prices. Our model suggests, however, that the competitive and bargaining position effects provide incentives to induce lower quality regardless of changes in production costs," the authors write.
Walmart is also a master at getting shoppers to buy more than they came for. It employs all of the techniques that have been shown to spur "unplanned buying," according to a recent study in the Journal of Marketing. The study found that large stores that promote the concept of one-stop shopping and can only be reached by car generate the most impulse buys. Marketing messages that evoke abstract shopping goals are also highly effective at inducing people to put more stuff in their carts.
According to the study, the least amount of unplanned buying occurs when a shopping trip involves multiple stores, each with a specific product focus, and the customer arrives on foot or by mass transit -- in other words, when you shop at small neighborhood and downtown retailers.
Using good old fashioned coffee grounds and brewing your coffee in a traditional coffee maker can be as little as 27 ¢ per cup, making it the most frugal option by far.
The easiest way is to simply ask the banksters for our $16 tillion back. But since the banksters rule the world, I guess we won't get that!
Means test benefits. If you made twice the median salary (approximately $33,000) in your last 5 years of employment, you get reduced benefits.
Eliminate the income limits. Why should you stop paying in just because you made more than $106,800? There are no income limits on medicare.
Do not raise the retirement age. This will only exacerbate the unemployment problem as fewer job openings will occur.
Legalize and tax marijuana. That may be $40 billion to $100 billion in new revenue!
Legalize and tax sports betting. Although only 35 states currently allow "gaming", that number is sure to grow. Adding $50 million to a state budget will help to eliminate the need for federal dollars.
A natural gas based economy. Get fleet vehicles and 18 wheelers running CNG. Get Detroit making those vehicles. And export LNG to other countries (USA nat gas is $3.76 but it can be liquified and sold at $16).
So the next time any politician says "you can't make consumers buy something" give them my examples and ask them to stand up to tyranny!
I know it sounds crazy, but negative yields on governemnt bonds is occurring or has occurred over the last few months!
Germany, the Netherlands, Ireland, Austria, Finland, Belgium and France had already seen their two-year borrowing costs drop below zero.
A negative yield implies a cost to an investor. Earning a negative yield means the price paid for a bond is above par (100). That is an upfront payment to the debtor!