October 25, 2016
October 23, 2016
i'm not one for ordering room service, but sometimes it is nice..convenience is great. sometimes the benefits outweigh the costs..just like ordering food at the pool...or if you look at the same concept..but in a different location..when you go to the airport and get hungry..and you buy something to eat..it's ridiculous what they charge, but you get your taste filled..
as for timeshares..i'm not a fan of them..but for some..the benefits outweigh the costs again..and as long as you make use of them..they can save you money in the long run. what's great nowadays is that some timeshares have changed from the traditional once-a-week style to being an any-week style. it's great..it's more of a vacation membership..where you can choose which week to go. it's also great because you don't need to plan everything around one specific week like before..you can just call a few weeks ahead and say.."hey..i'm coming over..make way"..or something of that nature..and blam!
nimrodboy3 (rep: 68.2k) posted Jun 09, 2012
Looks like a good list you put together. At 100lbs hopefully I will never have to pay for more leg room :)
gangstabarbie (rep: 20.4k) posted Jun 10, 2012
As someone who essentially makes his primary residence a hotel for 9 months a year. Although in 2 years ive only ever ordered room service twice, I usually check the menu upon arrival to a new hotel ive never stayed in and my experience is room service prices are no different than dining room prices other than the automatic gratuity that I would have given anyway.
I agree with most everything other than that. And im sure many hotels do jack up the prices but I havent really seen any yet. Spot on with the rest of them though. Never flew on JetBlue so I dont know about that one. And also im kind of iffy on the term life insurance, the benefit of whole life is that it has cash value so if you play it right its much more superior to a term life insurance you pay on and have no option of getting anything in return unless you are injured or die lol.
Acidbaby (rep: 7k) posted Jun 10, 2012
@ Acidbaby - point well taken. As for the whole life insurance deal, I am not on board.The cash value is essentially derived from the investment the insurance company makes with your money in the form of additional premiums paid every year. The formula is complicated, but in a nutshell, part of your premium is used to purchase the insurance, and part of it is invested to generate a return on your money, and that is how cash value is built.
The bottom line is, most insurance agents will convince you to get a whole life policy with the cash value pitch because their commission payouts on a whole life is substantially higher than what they would receive on a term life policy.
If you buy your own term life, and invest the difference in what you would have paid in premiums for a whole life policy, you will have more coverage and you can invest the difference and generate your own cash value which generally yields better returns than what the insurance company does for you. You control your own money.
lilywow (rep: 8.6k) posted Jun 10, 2012
Oh for sure. How many people do that though? From my experience people are afraid to invest money. I cant even tell you how many people I work with that come to me for some advice on their 401k that they have had for 10 years but never touched, never rebalanced, changed elections, nothing. They started it and it just sits there in a cash fund making them nothing. Of course taking that extra money and investing it on your own is a much better choice. A whole life policy isnt so bad if your in it for the long haul though. Its not something you want to get into when your 40 years old.
Acidbaby (rep: 7k) posted Jun 10, 2012
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