payments

New Post has been published on http://www.tinyhouseliving.com/financing-tiny-house-viable-path-financial-freedom-you/

Is Financing a Tiny House a Viable Path to Financial Freedom for You?

The Cypress house ranges in price from $57,000 to $66,000, and monthly payments can be as low as $433 a month. One bed apartment rentals in New York City average about 750 square feet and cost $2,700 per month.” - Business Insider

The Apples to Onions comparison aside, the Tumbleweed Cypress is one of the most expensive tiny houses you can buy. But most folks seem to prefer to build their own tiny homes from savings and live debt-free.  Others argue that financing a tiny house can be a path to financial freedom too.

What do you think? Is financing a tiny house a viable path to financial freedom for you?

Continue reading about This Tiny House On Wheels Is Nicer Than Most Studio Apartments. Visit the Tumbleweed website to learn more about their homes. Photo by REUTERS/Rick Wilking.

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daughterofthestars08 asked:

I pay $35 bucks a month in order to avoid having to pay a lump sum of $200 to $300 twice a year for everything my dog needs done every six months, including heartworm protection. I've only ever seen a monthly health plan like that offered by Banfield, though. I feel like more people should be given the option of payment plans (without interest), especially for costly operations and emergency care. Would you agree with that?

Hello! (My snark factor may be on high right now because of a migraine, so I’m sorry if this reply comes off that way. :) )

First of all, I’m glad you have a plan set up for your pet for wellness care. It’s super important to get those wellness items taken care of, and I hope your vet includes things like heartworm testing and general bloodwork in that. Also, KUDOS for you going twice a year! I wish even a tenth of my clients did that!

Your $35 per month comes to a total of $420 per year, which more than covers the amount you would pay at the $200/visit setup, and offers a fair discount to the $300/visit one–an amount that most likely comes out of the markup for vaccines (yes, we have to mark things up, we can’t do everything at cost and no I am not talking to you daughterofthestars I am talking to the great wide yonder of people who don’t like that) and a little bit from the general bits and bobs that are considered part of the exam. Not everything is marked down, there’s a decent savings for you, and we still make some money and more importantly get contact time with you and your pet.

Banfield does health plans. But there is a growing pattern of veterinarians offering FREE VACCINES!!!!!11!!1!11!!!!!1

… My sarcasm got away from me there. Again, this isn’t aimed at you–just at the very gentle way this nudges people towards better health care for their pets.

The way it works is this–people opt in to a specific program that allows for completely free vaccines for the life of the pet, as long as you agree to come in and pay for bi-annual wellness exams. During those exams, the veterinarian will recommend tests, cleanings, etcetera. The goal being that without the worry over vaccines in the way, owners will pay more attention to the little bits and bobs that we want them to consider. And IT WORKS!

And there is nothing wrong with it. If it gets that animal in twice a year for us to make sure they’re doing okay, makes us able to catch masses that are growing a little too quickly for our tastes or allows us to spot a fractured tooth that we can resolve before it gets painful or infected or becomes the gateway to an oronasal fistula… I am all for it. And again, the vaccines are covered in the end. Win win.

As for the other point you made about payments, the problem with the hospital itself offering payment plans for these things is that A) not all people are honest and willing to pay bills and B) emotions get in the way of judgement. Sad to say, but true. Scenario:

Mr. Doe’s dog just got hit by a car–holy fudge muffins, amIright? He FLIES to the NEAREST veterinarian and tells them “Do whatever you can to save Fluffy.” Well alright then. Exam fee (+/- emergency fee depending on the time of day/hospital you go to), pain management, radiographs, fluids to help with shock/blood loss, further pain management, bloodwork to check for amount of blood loss, acid/base status. Assuming your pet’s pretty banged up but not broken, this is a fair summary of what happens. And is somewhere between $500-700.

Mr. Doe has a heart attack. “I can’t afford this–I work for minimum wage and I only have $20 in my checking account right now!”

Firstly, shame on the vet for not warning Mr. Doe about these costs before building them up. And now this guy REALLY needs a payment plan. But he’s never been to this veterinarian before–it was just the nearest one. How is this veterinarian to know that Mr. Doe will pay them back if they offer him credit? I hate to be pessimistic but many people I’ve worked with as a technician, prior to my veterinary career, promised to pay and then never did. (They would eventually go to claims court and then were fired as clients.) Emergency clinics are in this situation constantly because just about everyone they meet is a new client and just about everyone is unprepared for the emergency they’re in.

My own hospital only offers payment plans to clients with an established record at our hospital. They’ve come in multiple times and paid their bills at appointment time, every time. And if given a payment plan in the past, they paid that off reasonably too.

Fortunately, there is at least one option. CareCredit is an established company that evaluates credit score and likely reliability of payments. It is available at (most) vet hospitals. You need two forms of ID and you may need a co-signer, and the time limit to pay your bill off before interest starts accruing can be pretty short. But it is there. They also give us reliable payments so we can keep the lights on and the fluid pumps running, and if an owner stops paying the bill, it’s their job to go after them in claims court.

I agree that part of the problem is that costs are high for veterinary medicine. This gets back to insurance talks and the like, and how we buy our products from the same places as human medical facilities but don’t have insurance to buffer our costs, therefore seem more expensive. But I digress. My point–the human race is unreliable; we can’t have nice things if a few people ruin it for everyone else.

Now I end this post with a hopeful question that will provide more resources for everyone. I hope others will answer: Do you know of any other options besides Care Credit? I’ll start linking them below.

  • CareCredit (You can apply online–this credit is also good for some dentists and ophthalmologists)
  • Humane Society (List of financial aid organizations intended for pet medical expenses)

Plastc is one payment card for everything

With the growing number of credit, debit, loyalty and membership cards consumers need to carry round, as well as cash, wallets are becoming bigger by the day. On top of it, they also need to remember which is the best card to use for each payment. We’ve already written about the Wallaby, a digital wallet that combines users’ credit cards and automatically selects the best one to use. Tackling the same issuePlastc is another all-in-one payment solution, which features an e-ink touchscreen and remote security through users’ smartphones. READ MORE…

STORENVY AND STRIPE THEFT

I have some very important news.

Unfortunately, as you may or may have not noticed, the store is currently closed down and ‘under maintenance.’ (http://galaxycomplection.storenvy.com/) This is because storenvy has imposed Stripe upon it’s users, and Stripe has stolen lots and lots of money from my bank account.
When customers make a payment to Stripe, the money goes to a bank account, which I cannot access - I can not use the money in there to make online purchases of any sorts, and Stipe takes up to several weeks to put the money into the account, making me wait longer than I can afford - literally. So, because of this, when a payment is made, I refund the customer and send them a Paypal link so they can repay and I can have access to the money from the payment. Well, Stripe two fees for this - one for the money going into the account, and one for the money going out - both of which are very high fees, especially on cheaper orders. (Also, it says in Stripe’s policy that they won;t charge you for successful transactions that they don’t refund. That is a lie. They have charged me every time.) The paypal also charges a fee for me to send them a new money request after the refund from Stripe. This means I only get part of the money from the payment from the customer, so I have less money to support myself on.
But here is the biggest problem, and why Stripe is such a scam, and how they have stolen almost 500USD from me: When I go to refund an order, instead of returning the money that the customer gave me back to the customer, they take money directly from my bank account to repay them with and keep the money for themselves.
They have been doing this for weeks without my permission and I have finally figured out what it is. I have been charged tons of fees from the bank and from Stripe. They take money from my actual bank even there is no money in it, causing me to be charged for 'buying things with no money’ and having a negative bank account balance! I have had to close several bank accounts several times. And when I closed my first one, Stripe actually accessed another bank account linked to my Storenvy, which I never gave them permission to use, and took money from there. That was my savings account. When I closed that account, they placed small amounts of money into it over and to force the account to stay open!
So now my store is closed. I am going top set up a new store on a new hosting website and give everyone information soon. Thank you for your patience.

Please consider helping me with my fees so I can pay them and open a store sooner by clicking here and donating to me. Anyone who donates to me will receive coupons and codes and special things when the store opens again.*
Donate here.

New Feature: Splitting Payments

Sell your film from one website, worldwide – even if you have multiple distributors in different countries. We’ll handle splitting up the payouts. 

Today we’re launching support for splitting revenue between multiple distribution partners. Why? Because publishers should sell their work everywhere: nearly half of all sales on the VHX platform come from outside the US, and films with worldwide distribution perform the best. Even though traditional film distribution deals are still built around specific countries, the Internet is global, and your audience-building efforts should be global too.

Here’s how it works: Instead of carving out rights or dealing with holdbacks so you can sell from your own website, include your distributors as partners within your VHX dashboard. Tell us who you’re working with, what the split should be, and whether it’s tied to geography. VHX keeps track of the location from each sale, and ensures that each partner receives their fair share. Everybody gets a monthly statement, and earnings are paid out via direct deposit or PayPal.  

Publishers get worldwide availability for their work, and all the data to go along with it. Distributors get a new channel of access to their audience. Fans get an easy, streamlined purchase experience, no matter where they live. And no more painful “Unavailable In Your Country” message.

This feature is still in private beta, so sign up and get in touch with us to get started.

Ben Basche:

It also dawned on me what the point of the iWatch might actually be. If the iPhone 6 is technically the “first” iDevice with NFC, might iWatch be the cheaper NFC wallet option during the transition to NFC in the iPhone install base? Apple’s crude attempt at backwards compatibility? Perhaps with an old iPhone paired to an iWatch, you too can lose the plastic for iWallet.

Perhaps the greatest trick the devil ever pulled was convincing the world that the “iWatch” was just some digital watch…

App lets consumers scan anything to instantly buy it online

In the past we’ve seen a few platforms that aim to make it easier to identify and buy products, whether it’s instantly shopping items in print magazines with Selectionnistand Prague’s Mall.cz, which leverages QR codes to turn its billboards into supermarkets. PowaTag is a new platform that combines many of these technologies into one system, enabling retail opportunities at almost any point of interaction between consumers and products. READ MORE…

chrisfato asked:

I'm a bit surprised that you have been so silent on the Apple Pay situation. Is this because of the on going developments of it all? You have to agree that using CurrentC is the same as getting out a check and filling it out. 3 to 4 steps for something that should be effortless. This is 2014, right?

Sorry, just been busy with work. But have been following along! And yes, the whole thing sounds ridiculous. But it’s also pretty clear that CurrentC will be destroyed rather quickly. Resistance (to Apple Pay) is futile — especially when your solution is a total turd. 

Ian Kar:

According to Noyes, while banks control the card-present/not-present rates,  the networks negotiate the rates with payments processors. The differences can be dramatic. Apple was apparently adamant about getting the card-present rates and told issuers that it would assume some of the fraud risk inherent in every transaction by providing a secure element via biometric authentication (its TouchID feature) and location data provided through an NFC chip. The Apple payments platform will work with all of their cards.

Banks offered the discounted fee for two reasons: for the Apple payments platform to accept all of the cards from the issuers, and for Apple to assume some of the liability by including two secure elements that will authenticate transactions — location data via the NFC chip, and biometric security. This is essentially a wash for the financial services industry: they lowered fees for Apple for the privilege of being included in Apple’s payments initiative, but managed to put some of the transaction risk to Apple.

If all of this is true, it’s potentially massive. And it may speak to why Apple may have finally greenlit the use of NFC technology in their products, even though they could have presumably done everything they wanted with the already-implemented Bluetooth LE tech.