Menunda Kesenangan
https://jamesclear.com/delayed-gratification
Advertisements
Updates from October, 2017 Toggle Comment Threads | Keyboard Shortcuts
-
tediscript
-
tediscript
-
tediscript
-
tediscript
How to record the screen on your Mac
https://www.macworld.co.uk/how-to/mac-software/how-record-screen-on-your-mac-3527168/
-
tediscript
US & World Holidays to Plan Your Marketing Calendar Around
https://sparkflow.co/us-world-holidays-to-plan-your-marketing-calendar-around/
-
tediscript
-
tediscript
How To Create Chrome App / Extension
https://support.google.com/chrome/a/answer/2714278?hl=en
https://developer.chrome.com/apps/first_app
https://developer.chrome.com/apps/app_codelab_intro -
tediscript
Menulis Artikel Perjalanan
https://www.kompasiana.com/ayunp/mau-tahu-bagaimana-caranya-menuliskan-catatan-perjalanan_552ba7996ea83426518b456d
http://www.backpacker-notes.com/2010/06/5-travel-blog-indonesia-favorit.html
http://www.republika.co.id/berita/koran/leasure/14/09/09/nbmmcc6-menuliskan-cerita-perjalanan
http://www.jualbeliartikel.com/2015/01/tips-menulis-artikel-traveling-atau.html -
tediscript
Financially speaking, what is the best time to buy a car or anything else?
You should buy a car only when you have the cash to pay for it and when the cash represents no more than 10% of your entire cash holdings or other liquid assets. For example, that 1999 BMW M3 you see for $15,000: If you have $15,000 and at least $150,000 of other holdings then go for it. If not, then you should wait. For example, if you have $150,000 in CDs, paid for real estate, equity in your house, etc. If that is too extreme for you then you can consider that as long as you have 6-months of cash on hand AFTER you buy the car, then you can buy it. For example, if your expenses are $4,000 per month, then as long as you have $24,000 in cash left after your purchase, then go for it. The trouble is that too many people simply save $20,000 and then buy a $15,000 car and they only have $5,000 in cash remaining. That often isn’t enough in an emergency. Just like being “car poor” you can be “house poor” where you spent all your money on a house and now have no cash. If you have $5,000 in cash on hand, then you should buy a $500 car. If you have $25,000 in cash on hand, you should buy a $2,500 car. If you rent and have ZERO other debt and have at least 6 months of cash on hand, then anything over that you can use to buy a car. I don’t like that model, but it is an option. Updated: Most people do finance their purchase and try to justify it many ways. If you insist on financing it, then the total cost of all cars including tax and insurance should be 10% of your net take home pay. Of your take home is $3,500 per month then your payment needs to be no more than $350. Never finance more than 48 months. Based on that example that is a $15,000 car. Your taxes and insurance is often over $150 per month so a $10,000 car would be best. Also, of you aren't already a member of a credit union, then join one. The rates for car loans is typically 2.9% and they will finance anything less than 10 years old and anything under $50,000. Nobody needs more car than that anyway. Never accept dealer financing.
-
tediscript
Reply