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"I wonder if anyone has just internet... not on a deal, or a contract, or a 1 or 2 year special... just a monthly bill for internet. If so, what connection speed and how much?" I get stand alone internet through the local cable company for $55. per month. 12 mbps. But starting next month they...

Programs that are "live" will have commercials. Streamed tv weekly shows do not. It's like watching on netflix or amazon prime. As far as legality goes, many of the movies and shows are already on the internet and can be watched on computers. IMDB, Internet Movie Data Base, has an extensive data...

We dropped directtv and netflix back in Dec. It was costing $107. per month with no premiums. I bought 2 mx2 xbmc boxes for $99. each,1 Mohu antenna for $50. and have all the tv we could ever want. Xbmc has just about every movie and every tv show ever produced.No commercials either,since a hour...

$29. a year.I got Nettalk a few years ago and am very happy with it. Much clearer than the Windstream service in my area.

After every shave I place my gillette mach III in a glass with olive oil.Blades don't really dull,they micro rust.I easily get 6 months out of a blade as well as a nice smooth face.

In my area in Ohio water follows the property owner,electric does not. One suggestion I might offer is to not rely on just one or two units.Extended vacancies or a good trashing would be devastating.More units make the averages better.Where units are is also important.I did great for fifteen...

It was a single mom and five kids. Each kid received SSI for one or the other of the alphabet syndromes that there are today.She also received sect8 as SSI is not considered earned income.

Yup,temperament is needed. Visualize walking into a trashed out unit.Holes in the walls,carpeting destroyed,broken windows.Couple,three grand in repairs.What do you do? Wring your hands and sing a rendition of woe is me? Or look at everything objectively to understand one very important rule in...

30 year notes on mortgages are not that easy to get. Creative financing will be a lot tougher as well. Most banks rule of thumb is 80% LTV. One should not get into the landlording game for instant profit,it's usually not there. The profit is in the future appreciation of the units. This is a...

The best book is "Landlording" by Leigh Robinson. No is prepared.After 20 yaers of doing this I still get surprises. www.Mrlandlord has a good q&a forum,you may want to take a peek at it. Landlording has changed over the years.Todays laws all protect the tenant. In some states you may not even...

I used to do a lot with sect8.We have one of the better offices here. The last few years sect8'ers don't want to live in the old city.Now they want what they "deserve",suburbs,fancy townhouses with pools and central air. In the last 4 years we went from almost 80% sect8 to less than 15% today...

It takes a certain stomach to become successful at babysitting (landlording). I've been doing this for close to 20 years and have never seen a market as bad as the last few years. I've also found that single girls are among the worst type tenants.They are much sloppier that guys are. N.Ohio is...

One other concern may be that you will be an absentee landlord. That will put you at the mercy of whoever may have to do repairs or collect rent.You will not know if the property is being kept up or trashed.

Surprisingly the insurance company does use independent adjusters in the field. When he checked out the property he talked a total loss before even stepping inside of the less damaged side. Both he and my contractor agree that it is not worth trying to restore as both the trusses and roof have...

Yay Pats. Won a bet yesterday by betting against Marty Shottenheimer,the perpetual bridesmaid. In the playoffs Marty has always played not to lose instead of playing to win. He did that here in Brownstown,KC and Washington.Now the fans in San Diego will learn about him.

Even the old timers are starting to get fed up.Mondays at eviction court used to be maybe a dozen evictions a week,now it's up to 50 to 60 every week. There are good deals that can be made.After the market crash of '01 many decided that they wanted to be landlords.They would bid up houses to the...

Spidey Flippers and rehabbers have been losing around here as homes have not appreciated all that well. All my units are in the Lorain area which has lost close to 10,000 in population over the last few years. Very little industry left,most applicants are burger flippers or bedpan changers. One...

Northern Ohio. Just about the worst area of the country for residential rentals.

Just be careful as to the condition of the houses you buy. Sect.8 inspectors can be very nasty and gig the house for a variety of reasons. I hope that you are in an area where there are renters to be found that are good. My last two years are the worst I've had in the last two decades. Put one...

Sorry,must have put in wrong link. Here is the text i was reffering to: CHICAGO, August 14, 2006 -- Shawnee Administrative Services, LLC, a leader in defined benefit and defined contribution plan administration, announced today that it has selected HealthDirectSM from Canopy Financial, a leading...

One more:http://www.canopyfi.com/company/leadership.htm Ray

Some more info at:http://www.manta.com/comsite5/bin/pddnb_company.pl?pdlanding=1&referid=3550&id=fj3zz6 They are relativly new,started in 2001. The majority of hsa custodians are new though. I spoke with them at lenght on the phone and did dd before commiting any money. The 4.25 rate is not a...

Here is a direct link to them <A HREF=http://www.sas105.com/>link</A>

Just because it's my first post does not mean its spam. I originaly found the shawnee site on HSAfinder.com. I would suggest that one could do a google search to find out more about them. I did and was satisfied with what I found out. Nice friendly bunch of folks here, teah right. Ray

I finally found a custodian with mutual funds that interest me.They offer DFA,American (with no load) as well as a number of others. No application fee and $3.00 per month for maintainance. It's shawneehsa. Ray MODERATOR EDIT: Anyone interested in using this custodian should read the...