[TenaciousSD]

This is from the trenches my friend.

Before you go home today – stop by a Petsmart and run your hands through their fresh bed of catnip. Keep an eye out for the employee’s as they are likely to ask you if you intend to purchase said now fondled catnip.

If you’re not cheap just purchase a bottle $5.99 Catnip Spray and give your hands a squirt before you meet your cat.

http://www.petsmart.com/product/index.jsp?productId=3618953

You can run around with a laser pen and try to win over the cat (this is very time consuming), or for $5.99 you can have it instantly fall in love with you. Work smarter or work harder – its you’re choice.

Just don’t come back to these boards complaining the cat keeps rubbing on you, rolling on you, drooling, or licking you. Our cat sleeps in the bathroom because it cant stay away from me. If it can it will jump on the bed and sneak onto my chest and fall asleep on me.

At this point, my dearest significant other cant figure out why the cat ‘loves me’ more than her. I told her – its the catnip (were already committed so I just let the cat out of the bag).

Trust me – you are lucky the thing runs under the bed. LUCKY! Do you like wearing black suits? Well then, I hope she doesn’t have a white Turkish Angora. Those cats are loving, kind, and love to decorate you with their hair. I pretty much gave up on black suits – not by choice – its just that I got tired of looking like a cat exploded on my back every time I walked out of the house.

You’ll know that it truly is completly infatuated with you when it starts rubbing its nose on you. That feline is actually leaving an scentless trail of wet love booger on you. Ugh.

Make sure you’ll be happy getting what you want. The scale is – fear of not having vs the fear of having to live with it. Be careful what you wish for is what I’m getting at.

One last thing: You’re welcome – you now know how to make her cat love you – decorative hair, love boogers and all.

[TenaciousSD]

This is from the trenches my friend.

Before you go home today – stop by a Petsmart and run your hands through their fresh bed of catnip. Keep an eye out for the employee’s as they are likely to ask you if you intend to purchase said now fondled catnip.

If you’re not cheap just purchase a bottle $5.99 Catnip Spray and give your hands a squirt before you meet your cat.

http://www.petsmart.com/product/index.jsp?productId=3618953

You can run around with a laser pen and try to win over the cat (this is very time consuming), or for $5.99 you can have it instantly fall in love with you. Work smarter or work harder – its you’re choice.

Just don’t come back to these boards complaining the cat keeps rubbing on you, rolling on you, drooling, or licking you. Our cat sleeps in the bathroom because it cant stay away from me. If it can it will jump on the bed and sneak onto my chest and fall asleep on me.

At this point, my dearest significant other cant figure out why the cat ‘loves me’ more than her. I told her – its the catnip (were already committed so I just let the cat out of the bag).

Trust me – you are lucky the thing runs under the bed. LUCKY! Do you like wearing black suits? Well then, I hope she doesn’t have a white Turkish Angora. Those cats are loving, kind, and love to decorate you with their hair. I pretty much gave up on black suits – not by choice – its just that I got tired of looking like a cat exploded on my back every time I walked out of the house.

You’ll know that it truly is completly infatuated with you when it starts rubbing its nose on you. That feline is actually leaving an scentless trail of wet love booger on you. Ugh.

Make sure you’ll be happy getting what you want. The scale is – fear of not having vs the fear of having to live with it. Be careful what you wish for is what I’m getting at.

One last thing: You’re welcome – you now know how to make her cat love you – decorative hair, love boogers and all.

[TenaciousSD]

This is from the trenches my friend.

Before you go home today – stop by a Petsmart and run your hands through their fresh bed of catnip. Keep an eye out for the employee’s as they are likely to ask you if you intend to purchase said now fondled catnip.

If you’re not cheap just purchase a bottle $5.99 Catnip Spray and give your hands a squirt before you meet your cat.

http://www.petsmart.com/product/index.jsp?productId=3618953

You can run around with a laser pen and try to win over the cat (this is very time consuming), or for $5.99 you can have it instantly fall in love with you. Work smarter or work harder – its you’re choice.

Just don’t come back to these boards complaining the cat keeps rubbing on you, rolling on you, drooling, or licking you. Our cat sleeps in the bathroom because it cant stay away from me. If it can it will jump on the bed and sneak onto my chest and fall asleep on me.

At this point, my dearest significant other cant figure out why the cat ‘loves me’ more than her. I told her – its the catnip (were already committed so I just let the cat out of the bag).

Trust me – you are lucky the thing runs under the bed. LUCKY! Do you like wearing black suits? Well then, I hope she doesn’t have a white Turkish Angora. Those cats are loving, kind, and love to decorate you with their hair. I pretty much gave up on black suits – not by choice – its just that I got tired of looking like a cat exploded on my back every time I walked out of the house.

You’ll know that it truly is completly infatuated with you when it starts rubbing its nose on you. That feline is actually leaving an scentless trail of wet love booger on you. Ugh.

Make sure you’ll be happy getting what you want. The scale is – fear of not having vs the fear of having to live with it. Be careful what you wish for is what I’m getting at.

One last thing: You’re welcome – you now know how to make her cat love you – decorative hair, love boogers and all.

[TenaciousSD]

This is from the trenches my friend.

Before you go home today – stop by a Petsmart and run your hands through their fresh bed of catnip. Keep an eye out for the employee’s as they are likely to ask you if you intend to purchase said now fondled catnip.

If you’re not cheap just purchase a bottle $5.99 Catnip Spray and give your hands a squirt before you meet your cat.

http://www.petsmart.com/product/index.jsp?productId=3618953

You can run around with a laser pen and try to win over the cat (this is very time consuming), or for $5.99 you can have it instantly fall in love with you. Work smarter or work harder – its you’re choice.

Just don’t come back to these boards complaining the cat keeps rubbing on you, rolling on you, drooling, or licking you. Our cat sleeps in the bathroom because it cant stay away from me. If it can it will jump on the bed and sneak onto my chest and fall asleep on me.

At this point, my dearest significant other cant figure out why the cat ‘loves me’ more than her. I told her – its the catnip (were already committed so I just let the cat out of the bag).

Trust me – you are lucky the thing runs under the bed. LUCKY! Do you like wearing black suits? Well then, I hope she doesn’t have a white Turkish Angora. Those cats are loving, kind, and love to decorate you with their hair. I pretty much gave up on black suits – not by choice – its just that I got tired of looking like a cat exploded on my back every time I walked out of the house.

You’ll know that it truly is completly infatuated with you when it starts rubbing its nose on you. That feline is actually leaving an scentless trail of wet love booger on you. Ugh.

Make sure you’ll be happy getting what you want. The scale is – fear of not having vs the fear of having to live with it. Be careful what you wish for is what I’m getting at.

One last thing: You’re welcome – you now know how to make her cat love you – decorative hair, love boogers and all.

[TenaciousSD]

[quote=sdrealtor][quote=sdduuuude][quote=FormerSanDiegan]Spend the money instead on a new gas dryer. It’ll cost you in the same ballpark as the electrical work and will save you a couple hundred bucks a year in utility bills.[/quote]

Ditto that.[/quote]

Triditto[/quote]

Quad-ditto

[TenaciousSD]

[quote=sdrealtor][quote=sdduuuude][quote=FormerSanDiegan]Spend the money instead on a new gas dryer. It’ll cost you in the same ballpark as the electrical work and will save you a couple hundred bucks a year in utility bills.[/quote]

Ditto that.[/quote]

Triditto[/quote]

Quad-ditto

[TenaciousSD]

[quote=sdrealtor][quote=sdduuuude][quote=FormerSanDiegan]Spend the money instead on a new gas dryer. It’ll cost you in the same ballpark as the electrical work and will save you a couple hundred bucks a year in utility bills.[/quote]

Ditto that.[/quote]

Triditto[/quote]

Quad-ditto

[TenaciousSD]

[quote=sdrealtor][quote=sdduuuude][quote=FormerSanDiegan]Spend the money instead on a new gas dryer. It’ll cost you in the same ballpark as the electrical work and will save you a couple hundred bucks a year in utility bills.[/quote]

Ditto that.[/quote]

Triditto[/quote]

Quad-ditto

[TenaciousSD]

[quote=sdrealtor][quote=sdduuuude][quote=FormerSanDiegan]Spend the money instead on a new gas dryer. It’ll cost you in the same ballpark as the electrical work and will save you a couple hundred bucks a year in utility bills.[/quote]

Ditto that.[/quote]

Triditto[/quote]

Quad-ditto

[TenaciousSD]

[quote=flu]Ok. I just opened another account at schwab.

I found out the following:

1)It’s just easier to open a new borkerage+checking account. You supposedly can have just a checking account only, but it has some drawbacks.
No fee, no minimum deposit on either brokerage account or banking account.

2)No fee for closing account.

3)You can use the ATM anywhere in the world. At the end of the month, if you had to pay any ATM fees, Schwab reimburses you.

4)Direct deposit and bill pay available.

5) There is no easy way to deposit a written check or cash at a local branch directly to the bank account. However, you can deposit it into a brokerage and transfer over to bank account from a local branch.

6) No fee-based overdraft protection from the brokerage account. (Not sure how to disable)

7) Money link allows you transfer between brokerages/bank accounts.

Goodbye wells fargo and us bank.[/quote]

You’re right, there is no easy way to deposit to Schwab (as is the case with most Internet-only banks). They will, however, send you free envelopes to mail in a check.

I kept my old Chase account so that I could use their iPhone app to make deposits (just take a picture of both sides of the check with the app) and transfer the balance to my Schwab account.

The NY Times article “Depositing Checks, Right From Your Phone” (http://gadgetwise.blogs.nytimes.com/2010/09/13/depositing-checks-right-from-your-phone/
) ended their article with the following:

“Now, the only complaint I have here is that I want more. Specifically, why haven’t Internet-only banks jumped all over this? It’s great that Chase has this feature, but where I live, you can’t swing a cat and not hit a Chase branch. Where it would really make sense is with an online bank like Fidelity, where I do most of my day-to-day checking. Fidelity has no branches of its own (just like Charles Schwab’s bank, Everbank or a host of other online banks) — the only way you can deposit a check is to mail it in, which takes forever. Add something like mobile check deposits and you just knocked out one of the main obstacles people have to joining an online bank.”

[TenaciousSD]

[quote=flu]Ok. I just opened another account at schwab.

I found out the following:

1)It’s just easier to open a new borkerage+checking account. You supposedly can have just a checking account only, but it has some drawbacks.
No fee, no minimum deposit on either brokerage account or banking account.

2)No fee for closing account.

3)You can use the ATM anywhere in the world. At the end of the month, if you had to pay any ATM fees, Schwab reimburses you.

4)Direct deposit and bill pay available.

5) There is no easy way to deposit a written check or cash at a local branch directly to the bank account. However, you can deposit it into a brokerage and transfer over to bank account from a local branch.

6) No fee-based overdraft protection from the brokerage account. (Not sure how to disable)

7) Money link allows you transfer between brokerages/bank accounts.

Goodbye wells fargo and us bank.[/quote]

You’re right, there is no easy way to deposit to Schwab (as is the case with most Internet-only banks). They will, however, send you free envelopes to mail in a check.

I kept my old Chase account so that I could use their iPhone app to make deposits (just take a picture of both sides of the check with the app) and transfer the balance to my Schwab account.

The NY Times article “Depositing Checks, Right From Your Phone” (http://gadgetwise.blogs.nytimes.com/2010/09/13/depositing-checks-right-from-your-phone/
) ended their article with the following:

“Now, the only complaint I have here is that I want more. Specifically, why haven’t Internet-only banks jumped all over this? It’s great that Chase has this feature, but where I live, you can’t swing a cat and not hit a Chase branch. Where it would really make sense is with an online bank like Fidelity, where I do most of my day-to-day checking. Fidelity has no branches of its own (just like Charles Schwab’s bank, Everbank or a host of other online banks) — the only way you can deposit a check is to mail it in, which takes forever. Add something like mobile check deposits and you just knocked out one of the main obstacles people have to joining an online bank.”

[TenaciousSD]

[quote=flu]Ok. I just opened another account at schwab.

I found out the following:

1)It’s just easier to open a new borkerage+checking account. You supposedly can have just a checking account only, but it has some drawbacks.
No fee, no minimum deposit on either brokerage account or banking account.

2)No fee for closing account.

3)You can use the ATM anywhere in the world. At the end of the month, if you had to pay any ATM fees, Schwab reimburses you.

4)Direct deposit and bill pay available.

5) There is no easy way to deposit a written check or cash at a local branch directly to the bank account. However, you can deposit it into a brokerage and transfer over to bank account from a local branch.

6) No fee-based overdraft protection from the brokerage account. (Not sure how to disable)

7) Money link allows you transfer between brokerages/bank accounts.

Goodbye wells fargo and us bank.[/quote]

You’re right, there is no easy way to deposit to Schwab (as is the case with most Internet-only banks). They will, however, send you free envelopes to mail in a check.

I kept my old Chase account so that I could use their iPhone app to make deposits (just take a picture of both sides of the check with the app) and transfer the balance to my Schwab account.

The NY Times article “Depositing Checks, Right From Your Phone” (http://gadgetwise.blogs.nytimes.com/2010/09/13/depositing-checks-right-from-your-phone/
) ended their article with the following:

“Now, the only complaint I have here is that I want more. Specifically, why haven’t Internet-only banks jumped all over this? It’s great that Chase has this feature, but where I live, you can’t swing a cat and not hit a Chase branch. Where it would really make sense is with an online bank like Fidelity, where I do most of my day-to-day checking. Fidelity has no branches of its own (just like Charles Schwab’s bank, Everbank or a host of other online banks) — the only way you can deposit a check is to mail it in, which takes forever. Add something like mobile check deposits and you just knocked out one of the main obstacles people have to joining an online bank.”

[TenaciousSD]

[quote=flu]Ok. I just opened another account at schwab.

I found out the following:

1)It’s just easier to open a new borkerage+checking account. You supposedly can have just a checking account only, but it has some drawbacks.
No fee, no minimum deposit on either brokerage account or banking account.

2)No fee for closing account.

3)You can use the ATM anywhere in the world. At the end of the month, if you had to pay any ATM fees, Schwab reimburses you.

4)Direct deposit and bill pay available.

5) There is no easy way to deposit a written check or cash at a local branch directly to the bank account. However, you can deposit it into a brokerage and transfer over to bank account from a local branch.

6) No fee-based overdraft protection from the brokerage account. (Not sure how to disable)

7) Money link allows you transfer between brokerages/bank accounts.

Goodbye wells fargo and us bank.[/quote]

You’re right, there is no easy way to deposit to Schwab (as is the case with most Internet-only banks). They will, however, send you free envelopes to mail in a check.

I kept my old Chase account so that I could use their iPhone app to make deposits (just take a picture of both sides of the check with the app) and transfer the balance to my Schwab account.

The NY Times article “Depositing Checks, Right From Your Phone” (http://gadgetwise.blogs.nytimes.com/2010/09/13/depositing-checks-right-from-your-phone/
) ended their article with the following:

“Now, the only complaint I have here is that I want more. Specifically, why haven’t Internet-only banks jumped all over this? It’s great that Chase has this feature, but where I live, you can’t swing a cat and not hit a Chase branch. Where it would really make sense is with an online bank like Fidelity, where I do most of my day-to-day checking. Fidelity has no branches of its own (just like Charles Schwab’s bank, Everbank or a host of other online banks) — the only way you can deposit a check is to mail it in, which takes forever. Add something like mobile check deposits and you just knocked out one of the main obstacles people have to joining an online bank.”

[TenaciousSD]

[quote=flu]Ok. I just opened another account at schwab.

I found out the following:

1)It’s just easier to open a new borkerage+checking account. You supposedly can have just a checking account only, but it has some drawbacks.
No fee, no minimum deposit on either brokerage account or banking account.

2)No fee for closing account.

3)You can use the ATM anywhere in the world. At the end of the month, if you had to pay any ATM fees, Schwab reimburses you.

4)Direct deposit and bill pay available.

5) There is no easy way to deposit a written check or cash at a local branch directly to the bank account. However, you can deposit it into a brokerage and transfer over to bank account from a local branch.

6) No fee-based overdraft protection from the brokerage account. (Not sure how to disable)

7) Money link allows you transfer between brokerages/bank accounts.

Goodbye wells fargo and us bank.[/quote]

You’re right, there is no easy way to deposit to Schwab (as is the case with most Internet-only banks). They will, however, send you free envelopes to mail in a check.

I kept my old Chase account so that I could use their iPhone app to make deposits (just take a picture of both sides of the check with the app) and transfer the balance to my Schwab account.

The NY Times article “Depositing Checks, Right From Your Phone” (http://gadgetwise.blogs.nytimes.com/2010/09/13/depositing-checks-right-from-your-phone/
) ended their article with the following:

“Now, the only complaint I have here is that I want more. Specifically, why haven’t Internet-only banks jumped all over this? It’s great that Chase has this feature, but where I live, you can’t swing a cat and not hit a Chase branch. Where it would really make sense is with an online bank like Fidelity, where I do most of my day-to-day checking. Fidelity has no branches of its own (just like Charles Schwab’s bank, Everbank or a host of other online banks) — the only way you can deposit a check is to mail it in, which takes forever. Add something like mobile check deposits and you just knocked out one of the main obstacles people have to joining an online bank.”

[TenaciousSD]

[quote=desmond]I just went through this with my son. He graduated from college in May and as I said in a previous topic has a job which does pay his health insurance. So we dropped him from our coverage, and to my shock, their was no difference in our price. A friend of mines son also just graduated, his son has a job that does not pay his insurance, my friend is able to keep his son on his policy but only through COBRA and that is very expensive. I think the only was to stay on the policy is if you are a full or part time student and under 25 or 26. I think instead of blaming the kids as the entitled ones, I think of it as the parents protecting themselves from a large medical bill if the kid has no insurance. Because if they don’t have insurance and the kid has no money, who do you think will pay?[/quote]

100% agree with this – I’d much rather pay ~$200+ per month for my kid to be covered. Although, don’t get me started on kids who are uninsured and pay that much for HD Cable + unlimited text / data cell phone plans!

[Author]

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