100k na kartici,potroseno malo jace od 50k otprilike,u pitanju je erste visa gold kreditna kartica koja daje mogucnost vracanja dugova bez kamate ako se uplati pun iznos u roku od 45 dana,i takodje revolving model odnosno postepeno vracanje duga u iznosu koji meni odgovara.
E sad,kako da vidim koliko cu placati kamatu ako npr vratim po 10k na 5 meseci jer se kamata placa na potroseni iznos.Mozda neko zna bolji nacin kako da se to izvede a da se ne uplati svih 50k odjednom.
1. Platim svih 50k u roku od 45 dana,onda sam miran i ne placam kamatu.
2. Placam po 10k narednih 5 meseci + kamata koju oni sami uzmu (pretpostavljam da je 10%) 15k
I find it really difficult to explain what yoga is, how it affects me and how its more than just a workout. Would love to hear your understanding of yoga!
Not If htt, looking for Balloon unis/Exotics in offers, Last slide are pets I may be interested in
! Locked pets NFT
Might take me a while to answer, please be patient! Please be respectful, rude comments will not be tolerated. Feel free to dm me if you have any concerns :)
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After many many close calls, my dog finally got a hold of one of my retainers. He only seems to have done the smallest amount of damage but it doesn’t rly fit that well so i’m wondering if i could maybe cut the part off? or if i am just down to one retainer now.
Thanks
Eu stiam ca left wing e bazat pe progresism si liberalism. Recent nu stiu cum am ajuns sa vorbesc cu ai mei legat de asta, ei au zis ca left wing e consveratism, iar right wing e liberalism si toate cele. Dupa am căutat pe net. Când scriu în română, găsesc exact ce au zis ai mei. Când scriu în engleza, gasesc opusul, cum am zis eu (tasta e definitia universalã în lume). Is this right??? no pun intended deci, oare doar sa fie diferit in Romania? + ca am
observat ca majoritatea partidelor din Ro se autoproclama liberale, dar sunt pe dreapta centrala.
Another clue.
Does anyone have any recent experience with a child in the english stream of juniour high at Oxford school? We may be moving our daughter there for grade 8 next year and curious if it's a good learning environment for them. She has friends in the French stream but curious how the new principals etc. It would only be for 8 and 9. Thanks!
Hello! Does anyone experience loss of appetite after hiking? It’s been 3 days since nag hike ako sa pulag pero I can’t take food properly. What to do? Ty
Hello fellow SLKers
I've been extremely fortunate recently in acquiring an 04 R171 with about 43k on the odometer, and I was just wondering if there should be anything in particular I should look out for! All works okay, test driven, need to sort the aftermarket radio out is all. Any help would be fab 👌
Ta
A alguien más le empelota que, cualquier persona, llegue y estacione afuera de su casa, aunque no esté obstruyendo la salida de autos?
Como es sabido, mientras no esté impidiendo la salida de vehículos de un hogar, no se incurre en una falta, pero queda la sensación de que están invadiendo y disponiendo de tu espacio (aunque sea "publico) y te quita la posibilidad de estacionar tu vehículo cuando, por tiempo, comodidad o disponibilidad de espacio, no lo guardas en tu casa.
Las veces que ha pasado, lo he arreglado "a lo caballero", pero que hacen cuando les toca un simio que les responde "la calle eh pública"
Any recommendations po na Medical Company WFH and Non-voice or Admin works account?
I'm an introvert so, I prefer Non-voice.
Mas preferred ko yung mga admin works, yung mga cross checking, seeing through details mga ganyang mga atake. Haha
I have no experience in BPO setting since all my work experiences are hospital/clinic and field/community.
Planning to shift career path, but still in healthcare.
I'm a Physical Therapist, sana merong mga kaPTids dito! Hahaha!
Thank you po!
**1. Your home equity is a gold-mine. If you need cash, stop taking out high-interest loans.**
So many people take out high-interest payday loans – please don’t do this. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit).
Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card).
Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans.
Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).
Side note: if you hate debt, you can still get money out of your home’s equity by using something like [Hometap](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), where you more or less sell investors a portion of your equity without a loan)
**2. Switch auto insurance companies every 6-12 months.**
If you haven’t compared auto insurance rates in the last 6 months, you’re probably overspending (on average by \~$400/year[¹](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Red-Big-Mistakes-Homeowners-D2D-1028-New-HELOC1st-Source)).
Example: I cut my car insurance bill by \~$1,300 this year by switching carriers (same exact coverage too) and it took me a whopping 5 minutes.
Take two minutes and pull up a comparison site (I used [Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) is fine too) and compare multiple offers from different companies in one go.
Worst case scenario: you stay with what you’ve got. Best case scenario: you save a few hundred dollars a year.Here’s a link to a good comparison site:[ link](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st).
**3. Try and find the best price online.**
Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices.
I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).
When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible.
**4. Get yourself a dang advisor.**
Most people are under the false impression that financial advisors are just for wealthy people.
They absolutely aren’t: if you have a net worth of $100k+, you can typically qualify for an advisor. Having an advisor typically increases your yearly returns by 3%[¹](https://corporate.vanguard.com/content/dam/corp/articles/pdf/putting_value_on_your_value_quantifying_vanguard_advisors_alpha.pdf) (mostly due to smarter tax planning)
If you don’t have an advisor in your family, use a site like [WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) or [Zoe Financial](https://betterbuck.net/view-nb.php?offer=zoe&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) to find somebody with good reviews in your area.
**5. You don't have to pay off your debt by yourself.**
Very few people know about it, but If you have $10k+ in debt, you can technically ask a debt relief to come in and take over the process for you.
It’ll typically save you 23% off your total debt, after fees (according to NDR, a big debt relief company).
They’ll negotiate with your creditors and try to get your debt reduced (then they take a cut of the savings).
Typically people who are struggling with debt save 23% on avg. when they ask for help from debt relief companies.
Here’s a little calculator you can use to see how much you’d potentially save: [link](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).
**6. Save on home insurance.**
Some homeowners save $1k+/year just by switching home insurance providers (typically saving them more than changing auto insurance policies).
If it’s been over a year since you’ve reviewed your rates, it might be worth taking a few minutes to compare offers. Here’s a home insurance comparison site I’ve used: ([link](https://betterbuck.net/view-nb.php?offer=bankrate-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).
**1. Your home equity is a gold-mine. If you need cash, stop taking out high-interest loans.**
So many people take out high-interest payday loans – please don’t do this. If you get into trouble you can typically get a relatively low-interest HELOC (a home equity line of credit).
Essentially with a HELOC, you’re borrowing against the equity you have in your house and use it for whatever you need (much like a credit card).
Typically, you’ll get lower interest rates and more flexible repayment terms compared to traditional loans.
Here’s a calculator you can use to see how much/little you could borrow ([link here](https://betterbuck.net/view-nb.php?offer=lt-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).
Side note: if you hate debt, you can still get money out of your home’s equity by using something like [Hometap](https://betterbuck.net/view-nb.php?offer=hometap&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), where you more or less sell investors a portion of your equity without a loan)
**2. Switch auto insurance companies every 6-12 months.**
If you haven’t compared auto insurance rates in the last 6 months, you’re probably overspending (on average by \~$400/year[¹](https://betterbuck.net/content/heres-how-much-youre-actually-overpaying-for-car-insurance/?subid=Red-Big-Mistakes-Homeowners-D2D-1028-New-HELOC1st-Source)).
Example: I cut my car insurance bill by \~$1,300 this year by switching carriers (same exact coverage too) and it took me a whopping 5 minutes.
Take two minutes and pull up a comparison site (I used [Coverage.com](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st), [Auto-Savings.com](https://betterbuck.net/view-nb.php?offer=otto&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) is fine too) and compare multiple offers from different companies in one go.
Worst case scenario: you stay with what you’ve got. Best case scenario: you save a few hundred dollars a year.Here’s a link to a good comparison site:[ link](https://betterbuck.net/view-nb.php?offer=bankrate&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st).
**3. Try and find the best price online.**
Big stores like Amazon know that no one has time to price shop through dozens of sites, so there’s often no incentive for them to offer bargain prices.
I typically hate browser extensions with a fiery passion, but Capital One Shopping has always worked well for me and I'd recommend trying it ([link here](https://betterbuck.net/view-nb.php?offer=capitalone2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).
When you shop online (on Amazon or elsewhere) it will automatically compare prices for you, and auto-apply coupon codes when possible.
**4. Get yourself a dang advisor.**
Most people are under the false impression that financial advisors are just for wealthy people.
They absolutely aren’t: if you have a net worth of $100k+, you can typically qualify for an advisor. Having an advisor typically increases your yearly returns by 3%[¹](https://corporate.vanguard.com/content/dam/corp/articles/pdf/putting_value_on_your_value_quantifying_vanguard_advisors_alpha.pdf) (mostly due to smarter tax planning)
If you don’t have an advisor in your family, use a site like [WiserAdvisor](https://betterbuck.net/view-nb.php?offer=wiser&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) or [Zoe Financial](https://betterbuck.net/view-nb.php?offer=zoe&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st) to find somebody with good reviews in your area.
**5. You don't have to pay off your debt by yourself.**
Very few people know about it, but If you have $10k+ in debt, you can technically ask a debt relief to come in and take over the process for you.
It’ll typically save you 23% off your total debt, after fees (according to NDR, a big debt relief company).
They’ll negotiate with your creditors and try to get your debt reduced (then they take a cut of the savings).
Typically people who are struggling with debt save 23% on avg. when they ask for help from debt relief companies.
Here’s a little calculator you can use to see how much you’d potentially save: [link](https://betterbuck.net/view-nb.php?offer=ndr2&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).
**6. Save on home insurance.**
Some homeowners save $1k+/year just by switching home insurance providers (typically saving them more than changing auto insurance policies).
If it’s been over a year since you’ve reviewed your rates, it might be worth taking a few minutes to compare offers. Here’s a home insurance comparison site I’ve used: ([link](https://betterbuck.net/view-nb.php?offer=bankrate-home&country=USA&subid=Red-Big-Mistakes-Homeowners-D2D-1029-Dekstop-HELOC1st)).