Means test benefits. If you made twice the median salary 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.
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 natural gas is $2.76 but it can be liquified and sold much higher.
Make shuttered schools into shelters. They have showers, gyms, bathrooms, cafeterias, computers, and plenty of room for beds. Laid off teachers can re-train these folks in the Cheapo Groovo system, which has no layoffs or outsourcing.
AIM is an investment method devised by the late Robert Lichello. This method is a proven way to take advantage of the inevitable market swings to enable us to ‘Buy Low / Sell High’.
Groundrules of how the AIM Strategy works:
TIP ME and I will email you the spreadsheet and a help file!
A governor, or speed limiter, is a device used to measure and regulate the speed of a machine, such as an engine. I have taken that concept and applied it to finance. You put in place a governor that limits the speed at which you could potentially lose money.
Here is how I apply it:
We purchased our park model trailer for cash. We could only guesstimate our expenses. Now I can see how much they are. My goal of $860 a month (which I determined back in 2006) was pretty good!
All numbers are per month.
HOA dues = $58.33. This covers sewer, water, use of the lodge, road maintenance, etc.
Electricity = $110 in the winter, $20 in the summer. We use two electric space heaters during the cold months. Looking into a wood burning stove.
Propane = $37.50 for heat and cooking
Gasoline = $30 thanks to driving a Prius
Food = $400 since we dine out a lot and buy from the health food store. Can't grow anything w/o a hoop house.
Insurance (home, auto, health) = $308.33
These are excellent sites and fit with my local living philosophy. Neighbors helping neighbors is what made America strong!
NeighborGoods is a new platform that allows you to do just that, allowing you to borrow and lend from and to your neighbors rather than buying new stuff.
Zipcar, a 24/7, on-demand carsharing service that gives its members flexible access to thousands of cars across the U.S., U.K. and Canada.
The average price of a movie ticket is at a record high of $8.70. I suppose if you go to a movie by yourself, avoid the concession stand, and sit brain dead for 130 minutes, it is still a good value.
I prefer sports betting. I use advertiser's money to place my picks @ sportsplays. Handicapping games keeps my mind fresh, I can watch the action for free at vip sports, and the outcome takes 180 minutes.
And I'm red hot lately!
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What money you might be saving, you are wasting two-fold in the amount of time it takes you to properly shop with coupons. It's downright complicated. You have to subscribe to the newspapers, clip, sort, and store the coupons, find the store's deals that week, figure out what coupons can work with the deals, go shopping (often times having to visit multiple stores), and then, additionally, plan out and shop for the things your coupons don't work for (but you still need).
Coupons are meant to bring down the price of name-brand items. But, have you noticed that name-brand items are typically more expensive to begin with? One of my favorite frugal living secrets is that store-brand items are usually made by the name-brand factories.
Most coupons are for pantry items. It's next to never that you'll find a coupon for fresh produce, dairy, or meat ... which is typically the stuff that we go through the fastest, and costs us the most.
Just because something is a good deal -- whether you use it regularly or not -- doesn't mean you have to buy a three-year supply of it.
Stores across the nation have tightened up on their coupon policies.
And most couponers realize their addiction and stop!