Snowball

photo credit: SqueakyMarmot I’ve heard a lot of discussion about Dave Ramsey’s Debt Snowball recently, and why his method is mathematically inferior to other methods of reducing debt. Ramsey says he realizes that sometimes his way isn’t the best mathematical way to get out of debt, but that it still IS, in his opinion, [...]

Someone send Hillary Clinton a copy of The Total Money Makeover, stat! The former candidate for the Democratic presidential nomination, currently worth an estimated $34.9 million, is asking supporters for help paying off her $22 million in campaign debt, $12 million of which was lent to the campaign by Clinton herself. From Hillary’s website: You and Hillary can [...]

I withdrew the new allowances and distributed them today. $40/week for my husband and $20/week for me. Then I got to thinking about it (and talking with my husband) and I figure if he can cut back that drastically, then so can I. Therefore, I am cutting my allowance back to $10/week. This is more than enough money! Plus I have $70 in my sock drawer as a backup fund anyways! This means we will have

One of my readers left a comment regarding my snowballing. I had a sneaking suspicion I should have devoted an entire post to my snowball method! For those who are not familiar with the concept of snowballing, it is really quite ingenious. Here is what you do:1. Calculate how much you are paying every month on all of your credit cards. If you were like me in January, you are probably just paying t

Since the Bank of America card is now completely paid off I was able to dramatically increase our snowball. Our snowball was $510, and I was able to add the $250 minimum payment of the BofA card, for a grand total of $760!!! That is a pretty big snowball, and I dare say that the snowball is heading downhill now! I believe, and I'll know for sure when I calculate our total debt at the end of this m

I have been following the snowball method of debt repayment. Basically this means that whenever I pay off a credit card I take that amount and apply it to the monthly payment of the next credit card that I am paying off. They call this a snowball because it can very quickly accumulate. My snowball is currently at $440. Every month I take that $440 and apply it to the Bank of America card, on top o

The Blue Snowball Microphone is definitely on the “cool” end of USB Microphones.   Blue Microphones have been making their “ball” type microphones for a number of years now and the “Snowball” is their latest USB offering.   At first glance the Blue “Ball Microphones” look quite different, the mics themselves are about as big as a softball and varied in color;

Photo by: redjar We paid off our Chase card last week. It was an amazing feeling and one that has kicked in the afterburners on knocking out our Bank of America card next. My two remaining cards, Bank of America and Wachovia are our last two. While I don’t like the debt, I [...]

Viet Nam’s stocks may be bottoming out, said Kevin Snowball, a director of PXP Viet Nam Asset Management Ltd. in Ho Chi Minh City, in a television interview in Singapore this week. The Ho Chi Minh Stock Exchange’ VN-Index hit its ninth-straight day of losses Thursday, losing 8.83 points, or 1.85%, to dose at a fresh... [[ This is a content summary only. Visit my website for full links, other

The only criticism toward Dave Ramsey’s method for achieving financial peace is that it is to conservative. It would seem that this could be agreed upon but unfortunately most American’s do not have the discipline that it takes to pay off their credit card every month and the result is Dave Ramsey’s extremely conservative approach [...]

I came across an awesome debt snowball calculator, figured I would share it.It figures, I spent a ton of time doing this on excel spreadsheets to figure out my amortization tables and when things would be paid, then re-amortized with the new payments, and so on and so on...This took me 2 minutes and I got the same answers. LOL.Enjoy... great resource...

Click to enlarge Snowball Run 1.0 The game is set in some sort of theme park in the sky with magnificent rollercoasters and merry-go-rounds apparently supported by nothing more than the clouds which float by them. You control an impossibly cute penguin riding a snowball in what is obviously a warm climate and [...]

We took the kids out for one final romp in the snow before spring sets in. (I hope, I hope, I hope!) Joseph decided to start throwing snowballs (aka hardened chunks of ice) at me. I wasn't going to stand for that. "Get behind me!" I yelled to Elle. (Enjoy my ladylike and dainty gloves and boots. They're Jesse's. Joseph picked up the same ice chunk I threw at him and came after me with it. He got me! Elle tried to help. Then she lost interest. So I had to take care of business. I love my kids. And I really, really love my new camera.

Our current debt snowball (the monthly payment we’re sending to our smallest debt) is $1,439.08. Once we’ve paid off our credit card, student loans and the second mortgage, we’ll be sending a monthly payment of $3,000.29 to the first mortgage. Our monthly take-home income (after taxes, 401k contributions, insurance and FSA) is $5,422.22, assuming it’s a [...]

Our current debt snowball (the monthly payment we’re sending to our smallest debt) is $1,439.08. Once we’ve paid off our credit card, student loans and the second mortgage, we’ll be sending a monthly payment of $3,000.29 to the first mortgage. Our monthly take-home income (after taxes, 401k contributions, insurance and FSA) is $5,422.22, assuming it’s a [...]

Full disclosure: I have no financial interest or gain to be made form promoting Snowball, however I am good friends with it’s creator, Erich Hegenberger. With that in mind take the following post as you will…. I’ve raved about Snowball before on this blog, on Twitter and to anyone that I know who is interested in [...]

Wer Queen keine 3 Minuten am Stück aushält oder wem bei wilden Vögeln schlecht wird, sollte zu den letzten 20 Sekunden vorspulen: Wie Kakadu Snowball auf Applaus reagiert, ist auch... (mehr...)

The Debt Snowball MethodIf your looking to get out of debt, you're bound to run into the phrase Debt Snowball again and again. And with good reason - its a great strategy! You'll typically see it outlined in one of two ways: lowest balance first or highest interest first. There are advantages to each. Ultimately, the best method for you is the one you will stick to. It takes focus and determination to climb out of the hole. Here's a quick overview of two common strategies:Lowest Balance FirstList all of your debt in order from the lowest balance to the highest.Designate an amount to put towards debt each month... as much as you can spare.Pay only the minimum on all debts except for one with the lowest balance.Put the rest of the into the lowest balance debt and don't stop there. Any

Si sente sempre più parlare dell’importanza del marketing virale e sopratutto dei video virali. Ormai sempre più aziende usano piattaforme come youtube, myspace, google video, per promuovere se stesse o i loro prodotti attraverso video pubblicitari che mirano a creare il passa parola attarverso la rete… una sorta di sistema di pubblicità a basso costo che [...]

Coltrane (Snowball IV) was the Simpsons’ fourth cat, who slightly resembles Bart. Lisa adopts him from an animal shelter shortly after the death of Snowball III. Originally, she was not sure whether she wanted another cat, but his original name (Coltrane) won her over due to its resemblance with the famous John Coltrane. Upon bringing [...]

Snowball V (a.k.a. Snowball II) is the Simpsons’ fifth cat and looks exactly like Snowball II. In “I, D’oh-Bot”, the Crazy Cat Lady throws a cat at Lisa while she is mourning the death of the other three cats that appear in the episode. Lisa then tells the cat to leave, because any cat that [...]

Snowball II was named after Snowball I. Though Snowball I had white fur, which obviously inspired her name, Snowball II had black fur. She first appeared in “Simpsons Roasting on an Open Fire“, where it is explained that Snowball I had died the previous year and they had gotten Snowball II. Neither Snowball I or [...]

Snowball, also known as Snowball I, was the Simpsons’ first cat. Her death was never seen in the actual series, since it occurred “before” the show’s continuity began. She was first mentioned in the series premiere in a Christmas letter Marge was writing where she explains that Snowball I had died that year. In “Treehouse [...]

Snowball, also known as Snowball I, was the Simpsons’ first cat. Her death was never seen in the actual series, since it occurred “before” the show’s continuity began. She was first mentioned in the series premiere in a Christmas letter Marge was writing where she explains that Snowball I had died that year. In “Treehouse [...]

Well if you're anything like me and like to inflict pain on people via snow balls, but you hate getting cold fingers then look here, the spherical snowball maker. Is this the invention of the year or what, you don't have to get cold hands making the snowball and they are heard and compact, just what you want when you want to hurt a friend. The spherical snowball maker retails for $8.95 from Plow&Hearth so why not make winter fun. To see more click here Written by Daz for Product ReviewsIn Sections: Gadgets & Technology

Well, a reckon it's time for me to get back into the regular swing o' things! Yeah, right. Like THAT'S gonna happen. Ok, ok, I mean regular for me, smart... As I was saying, I found this little... [[ Hi! This is a content summary only. Visit my site for the complete story, images, links, and other fun things. You'll be glad you did! ]]

Over at What’s The Cost I came across a handy debt snowball calculator. The calculator lets you add up to 20 debts, their interest rate and monthly payment, and asks for how much money you can put each month towards debt. From there it will generate a nice text summary of the snowball calculations, some stats against consolidating your loans, and a nice table that plans out the snowball month by month. The part that I think is really interesting is that it will let you chose between paying off the highest interest debt first and the Dave Ramsey method of the smallest debt first. I loaded the calculator with 3 debts which should be a bad scenario for the Dave Ramsey snowball: 10,000 @ 12% for student loans 4,000 @ 5% on a credit card 3,000 @ 1% to finish off a new car loan The results were interesting. Both methods will take 24 months to pay off the debt, and the Ramsey snowball will pay $254 more in interest($1,661 vs. $1,407). For me, this is more evidence to go with the Dave Ra

The best YouTube video I have seen in ages features Snowball, a medium-sized, sulphur-crested Eleanora cockatoo who really loves The Backstreet Boys. When exposed to the boy band, she dances, sings, and bangs her head like she's at a late 1980s Anthrax concert. I love this bird, and so will you. Of course, Snowball isn't the only animal that rocks....

About 4 months ago, I found a 75 gallon tank, wooden stand, glass tops and light for $150 on Craigslist.  New, this equipment would cost close to $800.00.  Using my Craigslist tips, I purchased it for $100, a steal.  I had always wanted a salt water aquarium, and thus began my quest to set-up the salt water aquarium of my dreams, or so I thought. By the time I bought all of the necessary equipment, chemicals, salt, and test kits my $100 dollar aquarium was now a $500 dollar aquarium. Downside #1: Salt water aquariums require lots of high-tech and expensive equipment We then purchased 3 fish (blue damsels) to let the tank begin maturing in preparation for larger and more exotic  fish.  All three died within 3 days.  The water tested fine, so I headed to the pet store to get replacements, just like I would with my fresh water fish.  The store quickly informed me that there is no guarantee on salt water fish. Downside #2: Most stores don’t guarantee salt water fish I went ho

Here is the snowball bush that I have been working on for a while. I actually missed labeled it as a hydrangea but that is not too bad as I found on the internet that they are of the same family.   This is from a large bush in one of my mom’s flowerbeds. I think it is one of her most beautiful also containing a large hemlock I consider one of the most beautiful trees on earth. Their grace and eloquence is marvelous to behold. The way their branches drape and sway in the wind is one of the most peaceful things of nature to behold.  Mom’s snowball bush always creates a showy display in late spring with its big white flowers bursting out in full glory in the early light of morning.   The snowball bush is also known as the European Cranberry Bush being an Old World deciduous thicket-forming shrub.   In the fall, the leaves turn a passionate burgundy reddish-purple, about this time; eye-captivating berries ripen and stay most all winter. These berries are a favorite of cedar wax

The debt snowball method has become very popular as a mean of resolving debt problems. The method is efficient though it might not be the best. Yet, the economical and psychological effects it provides make it suitable for the average American debtor that has too much unsecured debt.

The debt snowball method has become very popular as a mean of resolving debt problems. The method is efficient though it might not be the best. Yet, the economical and psychological effects it provides make it suitable for the average American debtor that has too much unsecured debt.

There are numerous ways to reduce your total and monthly debt load, many less painful than others. The obvious one, of method, is to simply pay down your bills. That can be difficult, and for a majority of people it may seem hopeless, but there is one scheme that has been employed by many with much success and that is the snowball approach (so named by Dave Ramsey).

IT'S LIKE A REALLY SMALL SNOWBALL ROLLING DOWN A LOW GRADE SLOPEHa ha! We are edging ever closer to the triple digits with each new participant in the Collection of Spectacles blogroll. In fact, just recently the number rose to 89. EIGHTY-NINE. (That just looks so impressive in all-caps).Eleven more would tip that scale to 100. If you are wondering why 100 is really any better than 99, stop. It's obviously that extra digit, and you should quit waxing philosophical. This a blogroll.(I had an urge to type "This is not your mother's blogroll" but quit, because that makes no sense. If I said the word blogroll to my mother, she would ask me if it was like a bun stuffed with meat, and if your mother has a blogroll, it's probably just as cool as mine.)That person at the left there in the mirrored sunglasses is Tracey from Crazy Trace. She describes herself as a mid-40s, Australian, married mother of three who can "...wear my heart on my sleeve, and I can and will write about anyt

Nearly every financial adviser always advises that debts should be paid off in a particular order: from highest interest rate to lowest interest rate. While this method makes sense from a mathematical point of view, it makes less sense from a psychological point of view. Read this article to discover an alternative method.

Here's a highly entertaining video from Penn State of a snowball fight/brawl/riot, complete with a bodyslam from an unnamed 6'4", 344-pound Nittany Lion defensive end. Pitt and Penn State fans, start your commenting engines.http://my.break.com/media/view.aspx?ContentID=228577

The two upcoming parties/wars will be EPIC! You must come if you can! Major armies: ACP, RPF, UMA, and Nachos, and other armies will be showing up for BOTH. Most of them will be attacking us so bring a friend to the battle if you can! Remember, our color is ...