Well I guess 2019 is target date to get rid of my laser lemon Toyota Matrix and switch to a blood red Bronco! Hmm, guess I’ll have to get a hybrid Mustang for commuting. What does that raise the mileage to, about 4 1/2 mpg now?

Good stuff. There are a lot of techniques out there, but this post is a succinct, actionable summary of some of the best.

Food for thought, IF any of this applies to you: doesn’t it seem a little hypocritical for you to say that late people are only late because they value their own time more? Aren’t you doing the exact same thing by insisting people arrive exactly the time when you get there?

Or maybe they’re late because they dread hanging out with cranky people like you, who don’t recognize that some people have more going on than others ;).

LOL, I thought this was how you do a full shoe shine! I was thinking, “wait, I thought this was supposed to save time?” OK I’m going to read your post on a full shine.

Here’s how you pay off debt in the best way (combining the most important elements):

It’s amazing how many people DON’T think paying debt is about math. It is math. Well, math, self-control, and an interest in doing things the best way. Paying the highest interest rate is best, unless you have to be tricked into paying off your debt. No offense, and thanks for the research, but this is silly.