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14 May 2004 @ 06:57 pm
I feel almost like an adult.  
I've bought a car. I've been to the dentist. I've visited a CPA. I've done my taxes! Well, the CPA did them. Also, I checked with the nice lady--"Can I now be one of those people who say, 'My accountant...'?" She gave me permission.

It's all so responsible of me. I really liked the CPA. She was highly recommended in our company wiki--she's straighforward and quick, knows everything about our company quirks, and she's savvy. She took even my lamest financial gaffes in stride and gave me good advice. I feel all empowered now. Well. Maybe sixty percent empowered. Sometimes you need a professional to deliver common sense, like: yes, transfer your balance off that 25% interest-rate Discover card to a better one. (Um. I didn't know I was paying 25%. Because I usually ignore that kind of stuff.) So I came home and picked up my latest offer that I was planning to rip up and trash--10% rate for balance transfers, free Dell computer--and said, hey, guess that looks pretty good.

So. Good CPA. And good new dentist, I think, but he isn't my new oral guru or anything. I mean, he said I needed braces, and screw that. I so don't need braces. I have straight teeth. Plus I'm just not paying through the nose for a mouthful of metal. :>P So he'll have to deal with that.

This responsibility stuff is kind of fun. Boring to read about, maybe, but--given that I don't owe the government a thousand million dollars--fun. *g*
tesla321tesla321 on May 14th, 2004 07:09 pm (UTC)
Oddly enough, my clients don't say "my lawyer" with the same amount of pleasure. Go fig.
timeofchangetimeofchange on May 15th, 2004 08:51 pm (UTC)
Oh, I don't know about that...
My lawyer helped me craft the language of my standard contract, especially the liability stuff. Most clients don't seem to expect that level of professionalism from writers and start to explain why they can't sign the thing, or don't need to sign the thing, or whatever...and it gives me a positive glow of joy to say, "Well, my attorney says..." So there you go.
tesla321tesla321 on May 15th, 2004 08:56 pm (UTC)
Re: Oh, I don't know about that...

Civil law.

I do primarily family and criminal defense.

So I'm usually shaking hands with someone just
as he is having a seat on the prisoner's bench.
It do make people cranky...
the upper echelons of mediocrity: nice pile of rocks (Becky)the_star_fish on May 14th, 2004 08:04 pm (UTC)
::is terribly impressed::
This Space Intentionally Left Blank: warrior-destinabarkley on May 15th, 2004 08:49 am (UTC)
You have an accountant? Can I touch you? *g*


Accountantless and now jealous in PA
Trepkostrepkos on May 15th, 2004 11:17 am (UTC)
braces? no way!
I had a brace for a couple of years as a kid, and it was a load of inconvenience and humiliation for nothing. My overbite can still open beer bottles.
Pamgoosegirl9 on May 16th, 2004 09:05 am (UTC)
Anna, there are people everywhere who love to find people who don't notice where their money goes. Congratulations for starting to pay attention. It finally occurred to me that you trade your time for money, and your time is your life. Therefore, money important.

Call Citicard, 1-877-373-2065. They are offering 2.99% on balance tranfers, usually with no fee to transfer.

However!!! - I would put this in bold if I could - this is what you must do to get real benefit from this:

1. Never, ever put another charge on the card. Don't carry it, don't put online charges on it. Don't use any convenience checks. Any payment you make goes to pay the new charges first, and they are at 2.99%.

2. Never, ever make a late payment. If you do, you default, and they will immediately change your percentage to 27.99%, chortling happily. Citicard will let you arrange to pay your bill by bank draft - they will take out an amount on a certain day each month (so you don't have to remember). You can pay the minimum amount or arrange to pay a set amount (I do). As insurance, I also have overdraft protection at my bank (I keep $500 in the savings part of the account), so that I will never bounce. If you bounce, it is also a default.

I take my total, and figure out how long I want to be debt (depends on how large the total is). For me, it's usually 10 months. I divide the total by 10, and that is what I tell them I want to have taken out each month. I just paid for my dining room set, a new car air conditioner, and a clothes dryer like that.

Which brings me to my next point.

3. Don't charge daily things like lunch, gas, etc., unless you pay it off when billed the first time. You don't want to pay extra for that stuff. Paying interest is paying extra.

For example, is lunch at Subway worth $5.99 + 27% interest? Or even $5.99 + 3%? Aren't prices high enough?

Ahem. <> Sorry to preach. It took me a long time to learn these lessons. My husband still hasn't learned. He just charged lunches and gas for a solid year, never paid anything but the minimum, and now I am paying off a $1600 credit card bill - for stuff that he doesn't even remember. Bitter? Me?
Pamgoosegirl9 on May 17th, 2004 07:55 am (UTC)
"Any payment you make goes to pay the new charges first, and they are at 2.99%."

Sorry, that should be *not* at 2.99%.