Comments on: That & That: Making It Work for YOU Edition

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Choosing the Best Home Based Business | Rob Marketing — Thu, 01 Oct 2009 01:50:11 +0000

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By: How to Organize Your New Business: the Nuts and Bolts « WETONG Blog

How to Organize Your New Business: the Nuts and Bolts « WETONG Blog — Fri, 11 Sep 2009 06:33:24 +0000

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By: Joanne

Joanne — Fri, 11 Sep 2009 02:00:51 +0000

As long as I pay monthly there is no additional fee – my annual premium is the same added up each month. However, I did have to pay 2/12ths of my premium going on the monthly payment plan, which is common. But there is no fee for monthly and I went over my policy with a fine tooth comb much to the agents dismay due to the house policy added to the monthly fee 4 months into the car policy since I was going from annual to monthly. ( 3 x a year has a fee with my insurance company.) I do agree that companies are different and you need to make sure that you are aware of all fees going in and decide which is best for your situation.

By: Sally

Sally — Fri, 11 Sep 2009 01:08:57 +0000

@megwilson and Joanne – read your statements very carefully. When I get my vehicle insurance statement (I pay monthly but the statement comes once a year) there is a list of all the premiums that make up my payment and on a totally different page in small print it says “A monthly automatic payment charge of 3% of the premium amount applies.” I have been with different companies and all of them charged it for monthly payments. My house insurance is paid yearly and does not have the same fee. I have called to combine them but it always works out cheaper to keep them separate. @Joanne – make sure you read the paper statement. Don’t ever take your agents word for it.

By: Joanne

Joanne — Thu, 10 Sep 2009 22:27:15 +0000

Until just recently when I combined my house and car insurance with the same company – I had a monthly/quarterly fee for paying my house insurance in installments therefore, I refused to pay it and paid my house insurance in full annually. However, now that the two are combined I pay a monthly premium with no additional fees – which I specifically asked about due to the extra charges paying my house insurance monthly/quarterly (can’t remember which).

By: megwilson

megwilson — Thu, 10 Sep 2009 20:49:32 +0000

@YK
I pay my insurance premiums monthly for house and vehicle and there is no interest charge added to the premium.

By: Sally

Sally — Thu, 10 Sep 2009 03:12:10 +0000

@YK – I am butting in. How much interest will your money be making? How is it calculated? I bet if you do the math you won’t come out ahead or by very little. Maybe once interest rates go up to 4%….if they ever get that high again.

By: Y K

Y K — Wed, 09 Sep 2009 19:02:12 +0000

Hi Gail,
I have a question regarding your advise on payingg car insurance monthly.
As far as I knwo there is an interest added to the premim when you pay insuramce monthly – around 2-4%. Wouldn’t it be better to save the money monthly while collecting interest and pay insurance annually versus paying insurance company the interest $?
Thanks,
Y

By: Catherine

Catherine — Wed, 09 Sep 2009 18:33:05 +0000

Gail, I enjoy reading your responses to the questions posed. I try to guess what you are going to say before I read your reply ;o)
Would have loved for you to have been with me a couple of hours ago. In the grocery store.
Here I was, adding up prices in my head, staying in budget with my purchases (money from the grocery jar) and the couple ahead of me, after paying for their groceries proceeded to purchase $54.00 in lottery tickets.
As you would say ‘whaz up with that?’ I was stunned. I would have loved to say something….but, it’s not my place – I didn’t know them and they sure weren’t asking my opinion……but we could have certainly raised our eyebrows at each other.

By: Jessie

Jessie — Wed, 09 Sep 2009 13:58:14 +0000

I second Diana. Make sure you track and claim how much income you have made from your tips. You should save about 30% (to be safe) – so $6 every day, for the tax man.

By: Diana

Diana — Wed, 09 Sep 2009 12:41:26 +0000

In reference to the waitress earning tips, keep some out for taxes!!
Canada Revenue knows servers earn tips and expects that to be added to your income.

By: That & That: Making It Work for YOU Edition Match Web

That & That: Making It Work for YOU Edition Match Web — Wed, 09 Sep 2009 12:02:12 +0000

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