Awarded Vendors for Contract 200904. (Audio Visual Equipment, Supplies, and Services) 3-C TECHNOLOGY LLC. ACE Educational Supplies Inc. ACP CreativIT. ACP Direct Affordable Computer Products Inc. Acture Solutions. Adorama Inc. Advantage Office Products LLC.About Us. Guidance on Member Entities Purchasing Goods and Services using Federal Funds. TIPS is well aware that our TIPS Member are in the process of developing additional CARES Act and ESSER Fund spending plans and TIPS wants to offer guidance and assistance where we can. When searching for an efficient and compliant way to utilize these ... www.tips-usa.com 866-839-8477. TIPS MEMBERS are able to save time and money without the delay and expense because TIPS completes the competitive bid process for youThis is ridiculously low, so tipping is a way to help these people earn a fair income. You should tip for service in the United States. 15-20% of the total bill in restaurants and $1 per drink in bars is standard. Don't forget to tip $2 per night for hotel maids and for other services such as taxis (15%), valet ($1) and coat checking ($1).TIPS-USA. EMAIL PO & VENDOR QUOTE TO: [email protected]. PO AND QUOTE MUST REFERENCE VENDOR TIPS CONTRACT NUMBER. ATTACH PO AS A PDF - ONLY ONE PO (WITH QUOTE) PER ATTACHMENT. Notice: Many Vendors utilize specific warranties, subscription agreements, license agreements, EULA’s, etc. (“Supplemental Agreements”) when you purchase specific ... Affinity Partner GPO (Private Sector): Affinity Partners GPO, an affiliate of TIPS-USA is a national group purchasing organization (GPO) for the private sector that leverages purchasing power for national, enterprise and regional purchasers of goods and services. In Partnership with TIPS-USA, Affinity Partners generates cost savings via ...Oct 26, 2021 · Definition. Treasury inflation-protected securities (TIPS) are a form of U.S. Treasury bond designed to help investors protect against inflation. They are indexed to inflation, have U.S. government backing, and pay investors a fixed interest rate as their par value adjusts with the inflation rate. Around two-thirds (65 percent) of U.S. adults who dine at sit-down restaurants always tip their server, according to a recent Bankrate poll. In addition, 42 percent of U.S. adults say they ...Tip income is taxable and must be reported. FS-2022-37, October 2022. People who work in restaurants, salons, hotels and similar industries often receive tips for the customer service they provide. Tips can be taxable income, but it's important for people working in these areas to understand important details involving tips.ABOUT TIPS. The Interlocal Purchasing System (TIPS) is sponsored by the Region VIII Education Service Center (ESC8) located at 4845 US Highway 271 North, Pittsburg, Texas (Camp County) and is governed by the Region 8 ESC Board of Directors. The Interlocal Purchasing System is available for use by all public and private schools, colleges ...Awarded Vendors for Contract 200904. (Audio Visual Equipment, Supplies, and Services) 3-C TECHNOLOGY LLC. ACE Educational Supplies Inc. ACP CreativIT. ACP Direct Affordable Computer Products Inc. Acture Solutions. Adorama Inc. Advantage Office Products LLC.Jun 15, 2023 · Around two-thirds (65 percent) of U.S. adults who dine at sit-down restaurants always tip their server, according to a recent Bankrate poll. In addition, 42 percent of U.S. adults say they ... Some of the most important necessities for traveling abroad is obtaining a passport and a visa. This is a method by which a country has to give permission for a foreign individual to come to visit. The USA demands that almost all non-citizens first obtain a visa before entering the country.While TIPS does all that it can to comply with and exceed the bidding requirements for most public entities, because the laws applicable vary by entity-type, location, spend amount, purchase type, and the purchaser's local policies, TIPS cannot legally advise any Member/End-User when a TIPS purchase is appropriate.Treasury Inflation Protected Securities (TIPS) We sell TIPS for a term of 5, 10, or 30 years. As the name implies, TIPS are set up to protect you against inflation. Unlike other Treasury securities, where the principal is fixed, the principal of a TIPS can go up or down over its term. When the TIPS matures, if the principal is higher than the [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] The Interlocal Purchasing System, Region 8 Education Service Center [email protected] [email protected] Customer Relations and Accounting Contracts Support General Counsel TIPS ... Awarded Vendors for Contract 230105. (Technology Solutions Products and Services) 2ndGear LLC. 323 Link LLC. 3-C TECHNOLOGY LLC. 3Sixty Integrated. 525 Technologies. A.N. Systems. Abacus Computers Inc. Awarded Vendors for Contract 210907. (Automobiles) BOSWELL ELLIFF FORD LT BOSWELL LLC. E and J Auto Sales Inc. Silsbee Fleet (4 locations) 1.Silsbee Ford 2.Silsbee Toyota 3.Lake Country Chevrolet 4.Donalson CDJR, LLC.Saturday's Tips US Racing Tips on April 8th - Santa Anita Derby and Blue Grass Stakes Tips. USA 07 Apr 2023. Horse racing is a massive part of the sporting culture in the United States. Races like the Kentucky Derby and meetings such as the Breeders' Cup are broadcast around the world, attracting some of the best flat races from around the ...Nov 14, 2019 · Other hotel tipping tips. Shuttle service to and from the hotel should run you between $1 to $2 per person in tips or $4 to $5 per party, according to the American Hotel & Lodging Association ... Tip income is taxable and must be reported. FS-2022-37, October 2022. People who work in restaurants, salons, hotels and similar industries often receive tips for the customer service they provide. Tips can be taxable income, but it's important for people working in these areas to understand important details involving tips.Formaspace. 1100 East Howard Lane, Suite 400 Austin TX,78753. WEBSITE. www.formaspace.com. SERVICE/PRODUCTS DESCRIPTION. Formaspace is a manufacturer of office, laboratory, a industrial furniture. Our products are well built and will stand the test of time. Our office line can furnish offices, break rooms, copy rooms, conference and training rooms.Jun 15, 2023 · Around two-thirds (65 percent) of U.S. adults who dine at sit-down restaurants always tip their server, according to a recent Bankrate poll. In addition, 42 percent of U.S. adults say they ... Oct 26, 2021 · Definition. Treasury inflation-protected securities (TIPS) are a form of U.S. Treasury bond designed to help investors protect against inflation. They are indexed to inflation, have U.S. government backing, and pay investors a fixed interest rate as their par value adjusts with the inflation rate. TIPS-USA. EMAIL PO & VENDOR QUOTE TO: [email protected]. PO AND QUOTE MUST REFERENCE VENDOR TIPS CONTRACT NUMBER. ATTACH PO AS A PDF - ONLY ONE PO (WITH QUOTE) PER ATTACHMENT. Notice: Many Vendors utilize specific warranties, subscription agreements, license agreements, EULA’s, etc. (“Supplemental Agreements”) when you purchase specific ... www.tips-usa.com 866-839-8477. TIPS MEMBERS are able to save time and money without the delay and expense because TIPS completes the competitive bid process for youThe TIPS Team at [email protected] or (866) 839-8477. TIPS Legal Team - Texas Education Service Center Region 8/TIPS General Counsel at (866) 839-8477 or [email protected]. No attorney/client relationship is created and no legal advice is provided via this contact.Other hotel tipping tips. Shuttle service to and from the hotel should run you between $1 to $2 per person in tips or $4 to $5 per party, according to the American Hotel & Lodging Association ...Tip income is taxable and must be reported. FS-2022-37, October 2022. People who work in restaurants, salons, hotels and similar industries often receive tips for the customer service they provide. Tips can be taxable income, but it's important for people working in these areas to understand important details involving tips.About Us. Guidance on Member Entities Purchasing Goods and Services using Federal Funds. TIPS is well aware that our TIPS Member are in the process of developing additional CARES Act and ESSER Fund spending plans and TIPS wants to offer guidance and assistance where we can. When searching for an efficient and compliant way to utilize these ...Tips contact info: Phone number: (866) 839-8477 Website: www.tips-usa.com What does Tips do? The Interlocal Purchasing System, better known as, TIPS Purchasing Cooperative, began in 2002 as a small regional cooperative of the Region 8 Education Service Center. www.tips-usa.com 866-839-8477. TIPS MEMBERS are able to save time and money without the delay and expense because TIPS completes the competitive bid process for youA part of ensuring a vendor’s business remains in compliance with a TIPS-USA contract includes paying TIPS administrative fees in relationship to the revenue earned from sales on projects for cooperative program members. These payments are expected whenever a vendor collects either a partial or full payment from a TIPS member.For example, if a memberSaturday's Tips US Racing Tips on April 8th - Santa Anita Derby and Blue Grass Stakes Tips. USA 07 Apr 2023. Horse racing is a massive part of the sporting culture in the United States. Races like the Kentucky Derby and meetings such as the Breeders' Cup are broadcast around the world, attracting some of the best flat races from around the ... [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] The Interlocal Purchasing System, Region 8 Education Service Center [email protected] [email protected] Customer Relations and Accounting Contracts Support General Counsel TIPS ... TIPS-USA. EMAIL PO & VENDOR QUOTE TO: [email protected]. PO AND QUOTE MUST REFERENCE VENDOR TIPS CONTRACT NUMBER. ATTACH PO AS A PDF - ONLY ONE PO (WITH QUOTE) PER ATTACHMENT. Notice: Many Vendors utilize specific warranties, subscription agreements, license agreements, EULA’s, etc. (“Supplemental Agreements”) when you purchase specific ... May 11, 2023 · The Emily Post Institute suggests $5 to $10 for most services. If the tickets or reservation were particularly hard to get, increase the tip to $15 or 10% to 20% of the ticket price. How much to ... Learn more about TIPS Purchasing Cooperative and how it can help your school, univeristy, city, county, hospital or non-profit save time and money in your pr...Nov 17, 2018 · The USA is eclectic; avoid getting road rage, don’t be the ass who doesn’t let someone merge, don’t stop in the middle of the road for pictures, don’t litter, recycle when you can, and just be a good person. There are so many different people on the road; try to be accommodating and understanding. 20. Q-tips® Beauty Rounds: Made of 100% pure cotton with an added layer of spunlace for fortitude, they are hypoallergenic and soft enough to use on delicate areas of the face, including around the eyes. Q-tips® Beauty Rounds have more soft cotton than the leading cotton pad, are quilted to resist shredding and are ultra-absorbent.Awarded Vendors for Contract 200904. (Audio Visual Equipment, Supplies, and Services) 3-C TECHNOLOGY LLC. ACE Educational Supplies Inc. ACP CreativIT. ACP Direct Affordable Computer Products Inc. Acture Solutions. Adorama Inc. Advantage Office Products LLC. Awarded Vendors for Contract 200105 (Technology Solutions Products and Services)Lead Agency Overview. The Interlocal Purchasing System, better known as, TIPS Purchasing Cooperative, began in 2002 as a small regional cooperative of the Region 8 Education Service Center. While the cooperative has far exceeded the initial vision, Region 8 ESC has maintained its role as the Lead Agency for what is now a national operation.May 11, 2023 · The Emily Post Institute suggests $5 to $10 for most services. If the tickets or reservation were particularly hard to get, increase the tip to $15 or 10% to 20% of the ticket price. How much to ... Affinity Partner GPO (Private Sector): Affinity Partners GPO, an affiliate of TIPS-USA is a national group purchasing organization (GPO) for the private sector that leverages purchasing power for national, enterprise and regional purchasers of goods and services. In Partnership with TIPS-USA, Affinity Partners generates cost savings via ...Definitely not. Tipping the leader has never been compulsory on Intrepid trips. And you shouldn’t let any travellers shame you into tipping, if you strongly believe against it. All we ask is that you research the effects of tipping before making up your mind. And if you still don’t want to tip, find some other way to show your gratitude.Awarded Vendors for Contract 210907. (Automobiles) BOSWELL ELLIFF FORD LT BOSWELL LLC. E and J Auto Sales Inc. Silsbee Fleet (4 locations) 1.Silsbee Ford 2.Silsbee Toyota 3.Lake Country Chevrolet 4.Donalson CDJR, LLC. Headlines: Thursday 7 September 2023 - Employment report: 736,000 people enter job market, unemployment at 3.8% - Labor force participation rate ticked up to 62.8% in August, highest rate since ...1. Cook your own meals as often as possible – If you can bring a cooler in your vehicle, you can pack groceries instead of eating out all the time. And if you bring some containers, you can store leftovers in the car too, allowing you to cook larger meals at dinner that you can eat the next day for lunch. 2.Awarded Vendors for Contract 200301 (Furniture, Furnishings and Services). Copyright 2005-2023 The Interlocal Purchasing System | Lead agency Region 8 ESC Lead agencyAwarded Vendors for Contract 210907. (Automobiles) BOSWELL ELLIFF FORD LT BOSWELL LLC. E and J Auto Sales Inc. Silsbee Fleet (4 locations) 1.Silsbee Ford 2.Silsbee Toyota 3.Lake Country Chevrolet 4.Donalson CDJR, LLC.General Inquiries: [email protected] Bid Inquiries: [email protected] Purchase Orders: [email protected] Construction: [email protected] Accounting: [email protected] 4845 US Highway 271 North Phone: Fax: [email protected] The Interlocal Purchasing System, Region 8 Education Service Center [email protected] frank.meyran@tips ...The USA is eclectic; avoid getting road rage, don’t be the ass who doesn’t let someone merge, don’t stop in the middle of the road for pictures, don’t litter, recycle when you can, and just be a good person. There are so many different people on the road; try to be accommodating and understanding. 20.Some of the most important necessities for traveling abroad is obtaining a passport and a visa. This is a method by which a country has to give permission for a foreign individual to come to visit. The USA demands that almost all non-citizens first obtain a visa before entering the country.Market Data Center on The Wall Street [email protected] [email protected] [email protected] [email protected] [email protected] [email protected] The Interlocal Purchasing System, Region 8 Education Service Center [email protected] [email protected] Customer Relations and Accounting Contracts Support General Counsel TIPS ...This is ridiculously low, so tipping is a way to help these people earn a fair income. You should tip for service in the United States. 15-20% of the total bill in restaurants and $1 per drink in bars is standard. Don't forget to tip $2 per night for hotel maids and for other services such as taxis (15%), valet ($1) and coat checking ($1).TIPS is an acronym for The Interlocal Purchasing System. TIPS is a national purchasing cooperative that offers access to competitively procured purchasing contracts to its membership. TIPS is housed at and managed by the Region 8 Education Service Center located in Pittsburg, Texas. Learn More About TIPS. TIPS-USA. EMAIL PO & VENDOR QUOTE TO: [email protected]. PO AND QUOTE MUST REFERENCE VENDOR’S TIPS CONTRACT NUMBER. ATTACH PO AS A PDF - ONLY ONE PO (WITH QUOTE) PER ATTACHMENT. Notice: Many Vendors utilize specific warranties, subscription agreements, license agreements, EULA’s, etc. (“Supplemental Agreements”) when you purchase ...SAR01242020 A Department of Education Service Center Region 8, 4845 US Highway 271 North, Pittsburg, Texas 75686, (866) 839-8477 To: All TIPS Members The Emily Post Institute suggests $5 to $10 for most services. If the tickets or reservation were particularly hard to get, increase the tip to $15 or 10% to 20% of the ticket price. How much to ...Membership Includes: Education - K-12 School Districts, Charter Schools, Universities, Private Schools, Colleges, Special Education Districts, etc. Government ...We would like to show you a description here but the site won’t allow us. Pg Tips Black Tea, 80 Count Box 80Pyramid Tea Bags (Pack Of 3) Shipping, arrives in 3+ days. PG Tips Premium Black Tea, Pyramid Bags, 80 ct. Free shipping, arrives in 3+ days. $ 2798. PG Tips Decaf 70 Ct Tea Bags - 2 Pack. Free shipping, arrives in 3+ days. Now $ 2284. We would like to show you a description here but the site won’t allow us. Membership in The Interlocal Purchasing System is Free. Membership for Texas Entities requires an Interlocal Agreement. Online membership enrollment is not permitted.Nov 14, 2019 · Other hotel tipping tips. Shuttle service to and from the hotel should run you between $1 to $2 per person in tips or $4 to $5 per party, according to the American Hotel & Lodging Association ... Awarded Vendors for Contract 200105(Technology Solutions Products and Services) Membership Includes: Education - K-12 School Districts, Charter Schools, Universities, Private Schools, Colleges, Special Education Districts, etc. Government ...Product FAQs and help. Pipette Tips. TipOne RPT Pipette Tips. Reservoirs and Basins. Pipettes & Calibration. Tubes. Storage & Supplies. Thermal Glass Beads. PCR.Dec 6, 2022 · Tip income is taxable and must be reported. FS-2022-37, October 2022. People who work in restaurants, salons, hotels and similar industries often receive tips for the customer service they provide. Tips can be taxable income, but it's important for people working in these areas to understand important details involving tips. About Us. Guidance on Member Entities Purchasing Goods and Services using Federal Funds. TIPS is well aware that our TIPS Member are in the process of developing additional CARES Act and ESSER Fund spending plans and TIPS wants to offer guidance and assistance where we can. When searching for an efficient and compliant way to utilize these ... Jun 15, 2023 · Around two-thirds (65 percent) of U.S. adults who dine at sit-down restaurants always tip their server, according to a recent Bankrate poll. In addition, 42 percent of U.S. adults say they ... Awarded Vendors for Contract 210907. (Automobiles) BOSWELL ELLIFF FORD LT BOSWELL LLC. E and J Auto Sales Inc. Silsbee Fleet (4 locations) 1.Silsbee Ford 2.Silsbee Toyota 3.Lake Country Chevrolet 4.Donalson CDJR, LLC.If you have additional items delivered to your room, such as extra pillows, hangers, luggage racks, tip the person who brings them $2 or $3. Concierge: Tipping is never expected, but always appreciated. The more difficult the request, the higher the tip. $5.00 and up per request is good.Treasury Inflation Protected Securities (TIPS) We sell TIPS for a term of 5, 10, or 30 years. As the name implies, TIPS are set up to protect you against inflation. Unlike other Treasury securities, where the principal is fixed, the principal of a TIPS can go up or down over its term. When the TIPS matures, if the principal is higher than the ...Headlines: Thursday 7 September 2023 - Employment report: 736,000 people enter job market, unemployment at 3.8% - Labor force participation rate ticked up to 62.8% in August, highest rate since ...Product FAQs and help. Pipette Tips. TipOne RPT Pipette Tips. Reservoirs and Basins. Pipettes & Calibration. Tubes. Storage & Supplies. Thermal Glass Beads. PCR.1. Visit the TIPS website at : www.tips-usa.com and click the “Contracts” tab or “Vendors” tab to locate a specific Vendor, service, or product. 2. The TIPS Member must request a TIPS Quote from the TIPS Vendor with the TIPS Contract Number referenced on the quote. Note: you can easily request a quote using the TIPS Member Portal. 3.TIPS-USA. EMAIL PO & VENDOR QUOTE TO: [email protected]. PO AND QUOTE MUST REFERENCE VENDOR TIPS CONTRACT NUMBER. ATTACH PO AS A PDF - ONLY ONE PO (WITH QUOTE) PER ATTACHMENT. Notice: Many Vendors utilize specific warranties, subscription agreements, license agreements, EULA’s, etc. (“Supplemental Agreements”) when you purchase specific ... Captain Holdings LLC (dba Office Furniture Source) Contact: Contact Phone: (972) 242-1700. Contact Email: [email protected]. 4545 Spring Valley Rd Framers Branch TX. Phone: (972) 242-1700. Fax: Carroll's Discount Office Furniture Contact: Contact Phone: (713) 667-6668. Contact Email:1. Visit the TIPS website at : www.tips-usa.com and click the “Contracts” tab or “Vendors” tab to locate a specific Vendor, service, or product. 2. The TIPS Member must request a TIPS Quote from the TIPS Vendor with the TIPS Contract Number referenced on the quote. Note: you can easily request a quote using the TIPS Member Portal. 3.Strollers, car seats, breastmilk, oh my! It can be stressful traveling with baby gear any time of year. Check out this video for tips on navigating through the security screening process with these items. And don’t forget, if you need assistance – just ask – we’re happy to help! TSA's 3-1-1 Liquids Rule.
Aug 11, 2023 · 1. Start saving early. When calculating how much money you need to buy a house, consider one-time expenses as well as new, recurring bills. Here are the main upfront costs to consider when saving ... . Sen
Product FAQs and help. Pipette Tips. TipOne RPT Pipette Tips. Reservoirs and Basins. Pipettes & Calibration. Tubes. Storage & Supplies. Thermal Glass Beads. PCR.22 hours ago · Headlines: Thursday 7 September 2023 - Employment report: 736,000 people enter job market, unemployment at 3.8% - Labor force participation rate ticked up to 62.8% in August, highest rate since ... Around two-thirds (65 percent) of U.S. adults who dine at sit-down restaurants always tip their server, according to a recent Bankrate poll. In addition, 42 percent of U.S. adults say they ...Awarded Vendors for Contract 210907. (Automobiles) BOSWELL ELLIFF FORD LT BOSWELL LLC. E and J Auto Sales Inc. Silsbee Fleet (4 locations) 1.Silsbee Ford 2.Silsbee Toyota 3.Lake Country Chevrolet 4.Donalson CDJR, LLC. Efficient Effective Economical. Purchasing is a necessary activity for any business or organization. We provide a proven process to eliminate purchasing related stress for governmental entities. Contact TIPS and let us save you time and money. The amount you tip in the United States will depend on where you are and what type of services you’re buying. As a general rule, expect to tip around 10% of the bill. If you get exceptionally good service, say thank you with a tip closer to 15-20%. Whether you're tipping with cash or card, always use the local currency to save money. Pg Tips Black Tea, 80 Count Box 80Pyramid Tea Bags (Pack Of 3) Shipping, arrives in 3+ days. PG Tips Premium Black Tea, Pyramid Bags, 80 ct. Free shipping, arrives in 3+ days. $ 2798. PG Tips Decaf 70 Ct Tea Bags - 2 Pack. Free shipping, arrives in 3+ days. Now $ 2284.Definitely not. Tipping the leader has never been compulsory on Intrepid trips. And you shouldn’t let any travellers shame you into tipping, if you strongly believe against it. All we ask is that you research the effects of tipping before making up your mind. And if you still don’t want to tip, find some other way to show your gratitude.Nov 14, 2019 · Other hotel tipping tips. Shuttle service to and from the hotel should run you between $1 to $2 per person in tips or $4 to $5 per party, according to the American Hotel & Lodging Association ... at [email protected] or (866) 839-8477. R.S. Means Pricebook: RS Means was developed in the 1940’s as to try to estimate (Actual and Conceptual) projects costs more accurately. In 2014, Means was purchased by the “Father of Job order Contracting” The Gordian group, whose owner developed JOC in the 1980’s.TIPS USA Natalie Swirdovich 2023-08-14T16:25:19-04:00 About the Contract The Interlocal Purchasing System (TIPS) is a national purchasing cooperative that offers access to competitively procured purchasing contacts to its membership. Aug 11, 2023 · 1. Start saving early. When calculating how much money you need to buy a house, consider one-time expenses as well as new, recurring bills. Here are the main upfront costs to consider when saving ... The USA is eclectic; avoid getting road rage, don’t be the ass who doesn’t let someone merge, don’t stop in the middle of the road for pictures, don’t litter, recycle when you can, and just be a good person. There are so many different people on the road; try to be accommodating and understanding. 20.We would like to show you a description here but the site won’t allow us.Efficient Effective Economical. Purchasing is a necessary activity for any business or organization. We provide a proven process to eliminate purchasing related stress for governmental entities. Contact TIPS and let us save you time and money.If you have additional items delivered to your room, such as extra pillows, hangers, luggage racks, tip the person who brings them $2 or $3. Concierge: Tipping is never expected, but always appreciated. The more difficult the request, the higher the tip. $5.00 and up per request is good.Nearly 5% of all students enrolled in higher-level education in the USA are international students, and the numbers are growing. From the mid-1950's, when international student enrollment was only just reaching 35,000, international education in the USA has come a long way. We look forward to helping students like you who are considering ... Silsbee Fleet (4 locations) 1.Silsbee Ford 2.Silsbee Toyota 3.Lake Country Chevrolet 4.Donalson CDJR, LLC. 1211 US HIGHWAY 96 N. SILSBEE TEXAS,77656. WEBSITE. silsbeefleet.com. SERVICE/PRODUCTS DESCRIPTION. SILSBEE FLEET (SILSBEE TOYOTA) CONTRACT: 210907 Automobiles. End Date: Nov-30-2024 EDGAR COMPLIANCE: View Doc.www.tips-usa.com 866-839-8477. TIPS MEMBERS are able to save time and money without the delay and expense because TIPS completes the competitive bid process for you 1. Start saving early. When calculating how much money you need to buy a house, consider one-time expenses as well as new, recurring bills. Here are the main upfront costs to consider when saving ....