35 EXTREME WAYS 2 SAVE $$$
04/19/2025
Draw downs and durations for BEAR MARKETS
04/10/2025
Professor Profits
07/09/2024
Sports betting is easy and profitable when you know who to tail. So mirror his picks in MLB, college Basketball, and college football
https://www.pickswiththeprofessor.com/ $10 per month for A grade picks
https://x.com/professorsides?lang=en free extra credit picks
money miracles IGNORED by mainstream media
07/07/2024
I use ticker symbol MSTY since it is a proxy for Bitcoin. Look at he cash it generated for me in the last 3 months!
Notes:
I use dividend reinvestment each and every month
I sell covered calls against my long position each and every month
When Bitcoin drops, I buy more MSTY using Robert Lichello's automatic investment management
Option Trading Privilages...learn option basics
10/10/2023
Do not use Ally Invest as they have 6 different levels so you never get past the very basic option trades. My significant other cannot reach level 3 because her retirement income is under 25K.
Ushering in the cashless society control grid
09/30/2023
A bank with more than $250 billion in total assets says it will soon terminate cash transactions in all of its branches.
The Australia-based Macquarie Bank says it will launch a plan to eliminate all cash, check and phone payment services in January, shifting to a digital operation by the end of the 2024.
“Between January 2024 and November 2024, we’ll be phasing out our cash and cheque services across all Macquarie banking and wealth management products, including pension and super accounts.
We’re also switching off our automated telephone banking service used to make payments over the phone. This means from November 2024 we’ll no longer offer cash or cheque services. Instead, you’ll be able to make payments digitally – a safer, quicker, and more convenient way to bank.”
Macquarie customers who currently deposit and withdraw cash at affiliated National Australia Bank branches will also lose that option by November.
Once the changes are rolled out, anyone who banks with Macquarie and wants to withdraw cash will be relegated to the bank’s ATMs, which allow customers to withdraw a maximum of $2,000 AUD per day.
“Customers can continue to withdraw cash from their transaction account via ATMs across Australia and overseas without fees.
However, cash deposits and branch withdrawals will no longer be available.”
ALWAYS ASK for these discounts...
09/28/2023
Cash payment
As first reported by The Wall Street Journal, Visa Inc. and Mastercard Inc. plan to increase the fees they charge merchants for processing credit card payments by more than $500 million! So going forward, merchants will eagerly accept cash.
Recent transaction on a day trip to Del Norte Colorado:
Senior citizens discount
If you enroll in an AARP or Association of Mature American Citizens membership on your 50th birthday, you’ll have a head start cashing in on senior discounts. For all other discounts, the minimum age requirements vary based on the company or location and can range from 50 to 65 years of age.
FREE ECO FONT >> save hundreds by conserving ink
08/25/2023
Simply download this ttf file and move it to your fonts folder in Windows. The font has holes throughout.
Dynamic Dividend DRIPS
08/24/2023
Need Lots of Cash Fast? Sell your car w/o all the hassles!
08/12/2023
Free Education Sites ~ Don't Pay For College
08/09/2023
The Internet is full of free learning tools - from online videos, to wikibooks, to PDF documents.
- Goodwill is providing free education
- Listen to thousands of lectures from the world’s top scholars at Academic Earth
- MERLOT
- How Stuff Works
- Learn to Speed Read
- FREE TEXTBOOKS
Cheapo Remodeling >> Save Hundreds of $$$
08/09/2023
Kitchen cabinets don't need expensive brass handles. In fact, they don't need handles at all!
Cinder blocks and 2X4 can make for great cocktail tables and entertainment centers.
With all pros and cons of wood vs composite considered, I recommend composite decking to best set your deck up for long-term enjoyment. A durable, low-maintenance Trex deck is a sound long-term investment that won’t commit you to the unwieldy regular upkeep demands of wood.
An EV is going to cost more than gas powered vehicle
08/04/2023
If a driver owns a Nissan Versa, Hyundai Elantra, or Kia Forte, it's set to cost them about $9.78 in gas for every 100 miles.
But switch to a Nissan Leaf or Chevrolet Bolt, and that increases to about $12.55 in home-charging expenses. Head to a commercial charger, and a driver is looking at nearly $16 — 64% more than if you stuck with a gas-powered car in the same segment.
Here is what you do when your are desperate for food
08/02/2023
1. Free hotel breakfasts are commonly available in limited service hotels:
- Hotels like Hampton Inn, Best Western, and Holiday Inn Express offer free breakfast to guests
- There is usually no verification of guest status before accessing breakfast
2. Some hotels do try to verify eligibility for free breakfast:
- Hyatt Places has attempted to verify eligibility for free breakfast
- However, enforcement is often lax, especially for loyalty program members
3. Few people take advantage of free hotel breakfasts:
- It is surprising that more people do not show up for free breakfast
- There are TikTok videos demonstrating how easy it is to get free hotel breakfast without staying at the hotel
Always Take Social Security at 62
08/01/2023
At around age 78 and 8 months, you reach the break-even point, when your cumulative benefits from claiming at 67 surpass those you'd get by taking retirement at 62.
You will have more vim and vigor at 62 than 67.
You will have more leisure time to spend traveling, golfing, and spoiling the grand-kids.
No Government = No Problems
07/23/2023
Income Max >> 3X income using high dividend stocks
07/22/2023
Collect you dividend
Sell covered calls above your cost basis
Sell cash secured puts below your cost basis
Strategic shopping can save you more money than coupons
07/16/2023
Buy produce and non-perishable items that are in season:
Focus on watermelon and berries in summer and citrus in winter
Canned soup, baking supplies, cold medicines, canned fruits and vegetables, baking supplies, and oatmeal are all cheapest in winter
Use what you buy and don't buy more than you need:
Freeze or re-purpose leftovers
Avoid overbuying and throwing away food
Check for expiration dates and consider the shelf life of products
Take advantage of store loyalty programs:
Get a loyalty card to access sale prices
Earn bonuses and discounts by using your card
Clip digital coupons and automatically apply them at checkout
Learn the sale cycles of your favorite products:
Pay attention to when your favorite products go on sale
Calculate the price per unit and stock up when prices are low
Ask about markdowns and find the store clearance rack:
Inquire about unsold product markdowns with department managers
Look for discontinued products in sale bins for additional savings
Try store brands. You will find many are just as good as national brands. Walmart's Great Value canned veggies work for us!
Perfect Shrimp Egg Foo Young
07/13/2023
Save $320 on this all purpose portable solar generator
07/12/2023
LEAP Calls on Bitcoin Miner (MARA)
07/11/2023
TextNow offers free calling and texting
07/08/2023
Medicare Advantage Plans Stink
06/29/2023
1. Medicare Advantage vs Traditional Medicare:
- Medicare Advantage plans are aggressively marketed to those turning 65, but traditional Medicare is often overlooked.
- Traditional Medicare has parts A, B, and D, and supplements, while Medicare Advantage rolls everything into one plan.
2. The Drawbacks of Medicare Advantage Plans:
- Switching from an Advantage plan to traditional Medicare can be difficult, and buying a supplement may require a medical evaluation.
- Advantage plans limit your choice of doctors and facilities, which could be detrimental in the case of a serious illness.
3. The Benefits of Traditional Medicare:
- Traditional Medicare may be more difficult to understand and have higher premiums, but it offers more options for seeking out the best care.
- With traditional Medicare, you are in control of your healthcare, while with Advantage plans, the insurer limits your care and options.