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Even if you have a 30 year mortgage you can turn it into a 15 year mortgage (or any length less than 30 years) by simply increasing your payment each month. The entire extra amount you pay goes toward principal, so the amount you pay in interest the next month is lower than it would have been otherwise. Just have to make sure your 30-year mortgage allows early payoff (not sure of the exact term). Every one of the several 30-year mortgages I had in my life had that option, so I get the impression it is standard.
what a great idea! I will try this next time it happens. thanks ebaymom.
Last summer I bought some old knives and since I didn’t notice anything with the smell test, so I just broke down and got some simichrome, and they tested positive for bakelite.
I hate when that happens! But I’m glad you found it in the end. This has happened to me 4-5 times in the last few years, but I’ve always found it in the end. These are one of times I am so happy to have a small house, b/c if it was bigger, it would take me so much longer to search in every spot 3 times until I found the item.
I call those Death Row items.
Love it! I may start having to use that term.
T-Satt,
Everything I’ve read over the years says that you can’t take a loss on items you originally bought for personal use. IRS topic 409 explicitly says this:
“Losses from the sale of personal-use property, such as your home or car, aren’t tax deductible.”
But the COGS for personal items you sold cannot be greater than the amount you sold them for – you can’t take a loss on these items. You can only deduct up to the amount they sold for.
STR = Sell Through Rate = For a particular time period, the percentage of items in your store that you sold. So if you have a store with 500 items and you sold 10 items last week, your sell through rate (STR) for last week is 10/500 = 2%.
A *seller* can be Top Rated, but this doesn’t give you any discount on FVF. A *listing* can be Top Rated Plus if you have 1-day handling and free returns, and this gives you the discount. You can have some listings be Top Rated Plus, and some not.
I have 3-day handling, so I’m just Top Rated with no TR Plus listings. I have no complaints. Perhaps someone who recently adopted TR Plus requirements can chime in.
I will be very interested to see the outcome of your Poshmark experiment, almasty. I have no interest in the sharing/liking work either.
I don’t think there’s anything wrong with sending her a reminder, but personally I don’t think neutral feedbacks are worth spending any time on, unless you have like 10 in a row or something.
I knew I shouldn’t have edited my post! Here it is again, shorter version.
Arabia Finland 12 turkey plates. Purchased for $5, sold for $480.
https://imgur.com/a/2DZbzs3Norma Kamali sleeping bag coat, purchase for a few dollars, sold for $200.
https://imgur.com/a/Vx7Dzg6LAMB (Gwen Stefani) wallet. Purchased for $1, sold for $44.
https://imgur.com/a/gpsrgQFSAS shoes. Purchased for $2. Sold for $9.99. Glad to be rid of them at last.
https://imgur.com/a/V2ObRTVWow – those are really cool finds and sales, Terri!
Thanks for sharing.
