in recent actions of importance to live in today’s society: i’ve learned lessons i feel i should share.

IN REGARDS TO FILING TAXES:

lesson #1
may be quite obvious to most, BUT – FILE YOUR TAXES EVERY YEAR.
i waited so long and all these frustrations i am going through and LOTS of money i’m spending could have certainly been avoided had i done everything when i was supposed to.

lesson #2
here’s something interesting i learned:
if the government owes YOU money, it is only valid for 3 years. after 3 years it gets wiped out of the system and you cannot have it.
if you owe the GOVERNMENT money, it is forever. it never wipes away. after years all it does is collect interest and you end up owing lots more.
crazy how that works.

IN REGARDS TO CAR INSURANCE IN NJ:

important lesson i had never heard about-

if you are getting a new policy with a new agent or company, it is very important that you have had insurance with another company for at least 30 days prior. for instance, if you had a previous policy with another company or a different state and that policy ends, you MUST get your new insurance within 30 days.
if you don’t and you wait, say.. 34 days –
YOUR RATE WILL TRIPLE AND YOU’LL HAVE TO PAY THE ENTIRE AMOUNT UP FRONT!!
i swear, even if you are 6 days past (as i was) the rate will triple on the new policy.
incredible.

***Why doesn’t anyone tell you this stuff? I suppose I’m the type that learns the hard way. (my brother always tells me that) I seriously thought you can go get insurance anytime you want. I wasn’t driving the car so I felt I was abiding by the law. yea, NO.

GOOD NEWS: I MANAGED TO BEAT THE SYSTEM AND BUY A 6-MONTH POLICY AT A DECENT RATE AND AM CURRENTLY COVERED! SOON I WILL HAVE JERSEY PLATES AND WE’LL BE BACK ON THE ROAD! I’M ALSO WORKING ON A FAIR PAYMENT PLAN TO PAY OFF THE TAXES SO THAT HOPEFULLY IN ABOUT 20 YEARS, THE GOVERNMENT WILL BE OFF MY BACK AND I MIGHT BE ABLE TO GET A CREDIT CARD OR A LOAN OF SOME KIND.