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% of mortgage, water, electric, gas, trash pick-

Posted By: up, cable. Software ie expander, etc nm on 2008-02-11
In Reply to: taxes - becky

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i specifically refinanced my mortgage because my lender transferred my mortgage to a company
that offshores. Ironically, my NEW mortgage co. just transferred me back to the same company that offshores. I can't win.
Water here, too. I fill water bottles halfway and freeze them
so I have ice water for the entire day.  It's easier than trying to cram ice cubes down the little mouths of the bottles.  I confess to having coffee, Earl Grey tea and a cola today because I'm too tired from the idiots who were rodding their cars around in front of the house from midnight until 3:00 a.m. last night.  Oh, well.  At least I'm off today.
let's do it, pick a day, nobody works, pick a busy day
nm
Trash
Are they dumping the stuff in their yards? If so, call their landlords. We had this problem and I would just call over and over until it was cleaned up.
You don't need a mortgage if you can't eat.
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Right. You are offered their trash, but not $1K.
They're willing to help you as long as you lower yourself. Just pure head games. And some parents would love to see their kids homeless for a chuckle. Makes no sense to me - mine were the same. They were so jealous that my husband and I stuck it out and made our marriage work, are still in love after 30+ years with great kids. When we ran into 1 bump in the road and needed a tad of help, they sat and laughed in our faces, even their innocent grandkids. You just never know what goes in some peoples' minds. Only count on yourself and God, literally. I'm here for you!!
Don't Trash MslaMT!

Oh, please, please! unless you know what you are talking about.....and by this I mean first-hand knowledge and not going by personal feelings....do not judge another by what they say or how they take care of their dog.

Debarking, shock collars, and citronella collars all have their place. What has happened to just plain ole' put the dog in the house? If the owners are at work and the dog cannot be trusted alone, a crate works wonders! Dogs generally bark a lot because they are lonely and/or bored.

The dog is not to blame, the OWNERS are. 
 


BTW, MslaMT, when a dog is debarked, the voice box is not removed. Tissue in the vocal cords are reduced either by a surgical incision or laser. This reduction only changes the pitch of the bark, it does not eliminate it. The dog can still bark and he/she can bark to their heart's content....they have no idea they've had a procedure done, all they know is that they are not being told to shut up it. Their bark can come back over time, but this is not the norm.

I wouldn't trash you....sm
It is a built-in word Expander for Dictaphone EXText platform. Any ideas why people use both?
That is my mortgage payment alone - sm
Our expenses for the month are about 5-6K per month.
If only, if only...Our mortgage alone is 2650.
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Knowing what my mortgage is....sm

truly keeps me motivated....the mortgage is HUGE....*bites nails* 


*lol*


Our electric went up 68% and gas sky rocketed. sm
I have gas heat and with the heat wave and humidity now and in the summer, my air conditioner will be running and my monthly bill is $380 just for air conditioning. My heating bill in the winter runs about the same.

That is $4500 a year for gas and electric. So, I would take your oil contract any day compared to my bills.
Wow, that's really high for electric
We have total electric (includes heat, air, and all appliances), and our bill is around $200 in the winter, $100 in summer. We get a break on the rate for having total electric. I feel lucky......
electric bill
Yes, our electric bills have been outrageous. Last month was $199.00, and my new bill came in and is $256.00 also! I too live in California, and we get shafted with the utilities in this state. During winter months my gas bill was as high as $175.00 which is almost five times what it used to be 7 years ago, and my paychecks keep going down in the transcription field!.
About $125 in PA - total electric, about
Pretty happy here, bill runs about the same in winter and includes heat :)
mortgage shopping
Hi, this board is so helpful regarding so many different things, I thought I'd ask about my current dilema.  Just sold my home in SE New Mexico, moving to Albuquerque.  Obviously a site built home is the easiest one to get a mortgage for at low interest rates (I have excellent credit), but because of the cost I'm also looking at manufactured/mobile homes on their own land and in a park.  This is just for me and my dog, so I don't need anything large anyway. Does anyone have any advice regarding buying a modular/mobile home as I have never owned one before?  Thank you for any thoughts you might have regarding this.   
Put your name on the deed, just not the mortgage
talk to a good loan officer at a bank about the difference.
definite trash. ewwwwwwwwww. nm
.
Info from 2 different mortgage officers.sm
I wasn't implying that you COULDN'T get approved, I was saying that your score would be higher with fewer open accounts, whether or not they were being used.
For most the mortgage/rent is the most expensive.

nm


 


About 50K in debt not counting mortgage. nm
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Website address is for mortgage co?nm
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Used to, but compared electric bills
I used to never turn my computer off. Then my grandchildren visited me for 3 wks. Because I did not want them playing on my computer (they had their own laptop), I kept mine off when I was not working. When the electric bill came it, it was almost $60 less, so from that point on, I began turning it off between the hours of 5 p.m. and 5:00 a.m. plus my days off (and I get more done around the house as well) -- continued with the same savings. Figured I can buy a new tower for $720 a year in savings.
The Mortgage-Lifter Tomato

A few years ago, I heard the story behind this great garden vegetable and did order some mortgage-lifter seeds from a catalog.


In the 1960s, a gentleman developed/raised mortgage-lifter tomatoes, selling them off for $1.00 each and sold enough to pay off his $6,000 mortgage.  Thus, he named them mortgage-lifters.


Granted, it's too late in the year to start this enterprise now, but selling seedlings to gardeners is one way to earn some extra money. 


I live in a rural area and do plant a small vegetable garden every year.  I start tomatoes from seeds, and usually end up with more plants than I need.  Most people I know do purchase seedlings; they don't start out with seeds.  My son and I have decided that we will sell seedlings (more than just tomatoes) next spring at a weekly yard sale in our front yard.


Mortgage-Lifter story is here:


http://www.loe.org/shows/segments.htm?programID=05-P13-00038&segmentID=8


 


I think those descriptions are for electric and gas (heat)...

Not internet.  Internet is different because it is not based off of square footage.  To me, that would sound like because my living room is larger than my office, I use the internet more in my living room, which is untrue.... Plus, I never use the internet in my bathroom or kitchen. 


I write off the percentage that I use it, that is how my tax guy said to.... I mostly use the internet for personal use about an hour a night and a couple hours on weekends.  Otherwise it is work only.  That is where I get the figure for 75% work, 25% pleasure use. 


 


nobody looked down on you that you know of specifically but there is that "trailer trash"
mentality the general public thinks about trailer people. You have heard the jokes.
Helps to do some research before you trash folks
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Ditto, electric went from $120 to $205 in this nonstop heat!- nm
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My mortgage payment is nearly that much. Ten year loan.
 
But, yes to all that you have and the room, electric, heat, just remember though
you have to keep the house for at least a year or two once you start claiming it, if you think you may move in the next year, don't take the write off, just on your text books, software, computer, that you can but not the room itself. See your CPA for further details as to why.
Mortgage late payment question. sm
I have 18 months left on my 30 year mortgage, roughly 4K left.  If I don't pay my February 1st payment until March 2nd, is it likely they will demand the whole 4K immediately?  Just broke right now.   
$256.00 for June electric bill in Calif.

Am curious if anyone's else is outrageously high.  Mine typically is $150-200 for summer months. 


I keep temp at 82 during day, 78 at night.  Temperatures here soar to 95-100 though.  But, I live alone and have gas hot water, gas stove.


Working at home has its pluses and minuses!  Leaving the air off for 8-10 hours a day while I was at the hospital working saved me a lot of cash in this utility bills.


 


 


I use an electric afghan, safer than a heater
Hi: I paid about $35 for an afghan-size warming blanket I think on Overstock.com. I just make a little semicircle of blankie and keep the foot pedal in there. To warm my hands, I use 2 gooseneck lamps from Target, they were $10 each, one on each side of my desk, amazing how much heat from a light bulb. Wise
ask the mortgage company to produce the note
Just heard about this tactic this week. Most mortgages have been sold and resold and if you ask them to produce the original note you signed on the mortgage most of the time they can't and it will buy you some time. Do a search on it.
Just to clarify - This was not meant to trash anyone - I was trying to be light-hearted --
The lady that made this mistake was my roommate and she was laughing right along with us --
Interpro is the worst - bottom of the trash-heap
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I just bought a new electric can opener at Wally World

and, get this, it comes with a "Users Manual."


This is the el cheapo $6.74 can opener and I'm thinking "hmmm, am I missing something here?"


My take on this is that if you don't know how to plug in and use a $6.74 electric can opener, there is a very good chance that you probably can't read to start off with.


It's 4 pages!


HOW TO USE: (Page 3)


1.  Raise lever, place can under the guide bar and against the geared wheel (See DIagram A to identify parts)


2. Press down on lever to pierce lid of can (Daigram B). This automatically starts thye cutting action. the can opener will continue to cut until the lid is completely severed from the can.


3 Grasp the can, then raise the lever to release the can.


4.  Carefully slide the lid away from the magnet, using caution to avoid being injured by the sharp edge of the lid.


I'm sure they do this so some stupid bozo won't sue the company because they weren't instructed on proper use of the can opener.


Electric motor repairman. I'll never match his pay.
But the more you make the more you spend. 
The old clunkity clunk electric typewriter days

Way back when, I didn't even know it was "transcription."  I did some transcribing as a secretary at a clinic with 8-10 docs. Office manager showed me how to use "a tape player that you operate with a footpedal." (never heard the words "transcriber" or "transcription"). Only had a Dorland's Med. Dictionary and IBM Selectric. Wasn't until several years later at first actual medical transcription job, realized previously had already been doing medical transcription, "typing" the doctors' chart notes and letters (plus answering phones, sorting/distributing the doctors' mail & journals, bookkeeping/accounts payable, payroll, etc.) for ridiculously low file-clerk type pay for what was really an administrative assistant type job. 


You wanted a laugh though: One time, in a hospital transcription dept., me & the other ladies were in the breakroom, giggling about something in the newspaper, someone made a great joke about whatever the subject was, & we were laughing so hard, the security guard came running down the hall and into our breakroom to see what was going on (he thought he heard screaming!)  When he saw us all cracking up, he just shook his head, laughed, & told us to get back to work!


Can deduct portion of mortgage, utilities.Equip
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I carry my mail in, sort it immediately, and put the junk in the trash.
c
No, we're both tossers. Hate clutter, if it isn't used, we donate or trash it.
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I HAD one of these! Her email now goes to my Trash file without my reading it. Someday she'll
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all that PLUS, when I started 13 years ago, electric typewriters were still used (smile!) no message
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Wow! I'm in North Central Florida. Last month's electric bill was $165. sm
I have electric everything and keep the thermostat set at 73. Some folks here with a different electric company have had bills triple to quadruple their normal. You may want to do some investigating.
My personal goal is when my mortgage is paid off by half - just 125K to go!
Then I will cut back to part time and let hubby carry me. :-) He makes lots more than I do now anyway.
deduct telephone, electric and portion of house payments.
Hope this helps!
And create enormous amounts of trash and pollution. Human overbreeding is doing us in. nm
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This IS the typical trash situation that exists now for us at-home MTs. I'm thinking of leaving,
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My mother lives with us. We bought small electric space heater for her (sm)
as we usually keep the furnace at about 68 and keep a humidifier going. Makes a big difference. Older people get cold, so I have told her she might want to make sure and wear warmer clothes and don't hesistate to use the space heaters to provide comfort level in the family room and her bedroom for her.
I did it girls. I tossed my old headset in the trash and bought Bose. I've got a long
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