Interesting and decent article, except for one solid piece of serious but friendly editor advice. I want to hear LESS about YOU and more about the people and lifestyle you are writing about. When your audience is interested in a topic, they want to know about said topic, not what you think about it. You'll know you've reached a level of excellence when you can write without the reader "hearing" you at all. Best of luck!
Horrible advice. One to two years of cash equivalents is sufficient. Bonds are "safe", unless you take inflation into account. Then they are simply guaranteed losers. A balanced portfolio across multiple investment classes in low cost ETFs is the way to go.
I see a few things missing from this list: budget for gasoline, insurance, maintenance, parking, and other transportation-related expenses--it's not just paying off the car that impacts the budget. Also, for the home-ownership expenses, there are utilities, yard equipment/maintenance, possibly HOA fees, and other maintenance costs. And don't forget internet service provider bills...they haven't counted as entertainment for a long time but are increasingly a necessary connection to financial services, news, communication, and scheduling.
Just like with online reviews, there are just as many pros as cons. There are websites with reasons for deleting emails, and websites with reasons for keeping emails. They all have valid arguments. So I am back to square one with no resolution, and the issue is only clouded further. I guess the best conclusion is to "live each day in the moment" and just get rid of clutter and not worry about it.
I'm a recent graduate of a librarian program and I would advise against getting this degree as well. Sure there is a 2% growth rate for jobs but that doesn't mean much when schools continue to pump out hundreds of librarians each semester. Librarians are lucky to find part time work. Medical librarian jobs get upwards of 600 applications. Also most librarian jobs have combined the tasks of user librarian, administrative librarian and technical librarian.
I bet the Venezuelan's wish they had stored some value in gold.....I bet there were a few conspiracy theorists there who are read the tea leaves just fine.
How socialized is your economy? How low are the panic-level interest rates where you live? How much counterfeit QE money is propping up the society around you that consumes more than it produces??
How do you phrase the question to Siri for tip #2? I tried "What's a better deal, Three 20-ounce cans of juice for $6, or four 24-ounce cans for $9?" That didn't work.
My favorite hobby is making Scrabble tile necklaces. I can buy all my supplies online, but I love finding old Scrabble games at thrift stores and yard sales. I also make wall art from the boards, using the tiles for words that mean something to the person I am giving it to. I love doing the necklaces because I can pick out art/maps/ephemera that have meaning, or just make them fun. You never know what will appeal to people. I have not sold any, but I would love to start.
I have also been a librarian for awhile and would not advise anyone to go into it as a career right now. I have worked in four large library systems and they are constantly cutting jobs, combining job duties, and reducing full-time positions to part-time. I have observed hiring freezes, stagnant wages, and sometimes no raises at all.
I'm a late baby boomer who can't retire because I can't afford to--my earnings as a librarian have not kept up with inflation so I'll have to work until at least age 67. At 59, it's a little late for me to transition to another field.
It didn't use to be such a financial sacrifice to work in the library field. In 1999, when I started library school, I worked as a part-time library associate (a job requiring a bachelor's degree) starting at $11.75 an hour and getting a raise to $13.50 an hour within a year. Such raises were routine then. That position still starts at virtually the same rate as it did back then, 17 years ago! Last year, I looked into moonlighting at a large public library system near me in a position that also requires a bachelors' degree. Starting pay: $11.85 an hour.
My favorite pastime is gardening. It's both relaxing and a great source of exercise. Gardening can cost almost nothing, plus it can save money. The fresh vegetables you get can be a good deal less expensive than your local store.
I have so many hobbies that I love. I love to bead jewelry, paint, scrapbook, make things with my Cricut machine, draw blueprints of tiny houses, color, etc. I don't really have a favorite, I just do a lot of crafts.
There was a great deal to like about the fifties, if you were a teen growing up in those years. Of course for my generation there will never be, or seem to be a better time. It didn't really last that long, but we measured time differently then, and it left us with a lot of great memories. We loved the music, and the movies, and the cars, and we seemed to like one another a good deal better in those days as well. We grew nostalgic for it even before it was gone. In a way, many of us were like Milner in American Graffiti, who just didn't want to see it go. It was the crest of the wave. And weren't we lucky to catch it?
Personal finance is my hobby.
I love to read as a hobby.
My hobbies are learning a foreign lamguage, hiking with my husband, trying new local food, and traveling.
Interesting and decent article, except for one solid piece of serious but friendly editor advice. I want to hear LESS about YOU and more about the people and lifestyle you are writing about. When your audience is interested in a topic, they want to know about said topic, not what you think about it. You'll know you've reached a level of excellence when you can write without the reader "hearing" you at all. Best of luck!
Thank you! Very helpful!
1, 4, and 7 seem the same event to me...definitely 1 and 7...
Best article I've read in this forum in a while.
You are NOT vegetarian if you eat tuna.
Horrible advice. One to two years of cash equivalents is sufficient. Bonds are "safe", unless you take inflation into account. Then they are simply guaranteed losers. A balanced portfolio across multiple investment classes in low cost ETFs is the way to go.
I see a few things missing from this list: budget for gasoline, insurance, maintenance, parking, and other transportation-related expenses--it's not just paying off the car that impacts the budget. Also, for the home-ownership expenses, there are utilities, yard equipment/maintenance, possibly HOA fees, and other maintenance costs. And don't forget internet service provider bills...they haven't counted as entertainment for a long time but are increasingly a necessary connection to financial services, news, communication, and scheduling.
Just like with online reviews, there are just as many pros as cons. There are websites with reasons for deleting emails, and websites with reasons for keeping emails. They all have valid arguments. So I am back to square one with no resolution, and the issue is only clouded further. I guess the best conclusion is to "live each day in the moment" and just get rid of clutter and not worry about it.
I'm a recent graduate of a librarian program and I would advise against getting this degree as well. Sure there is a 2% growth rate for jobs but that doesn't mean much when schools continue to pump out hundreds of librarians each semester. Librarians are lucky to find part time work. Medical librarian jobs get upwards of 600 applications. Also most librarian jobs have combined the tasks of user librarian, administrative librarian and technical librarian.
baking
I bet the Venezuelan's wish they had stored some value in gold.....I bet there were a few conspiracy theorists there who are read the tea leaves just fine.
How socialized is your economy? How low are the panic-level interest rates where you live? How much counterfeit QE money is propping up the society around you that consumes more than it produces??
I have had great luck with Abreva. It's over the counter and stops cold sores dead in their tracks. It's pretty pricy, but worth every penny.
Fans do NOT "cool the air" - all they do is move it around.
My favorite hobby is reading. My husband works for a bookstore chain and we own over 4,000 books.
How do you phrase the question to Siri for tip #2? I tried "What's a better deal, Three 20-ounce cans of juice for $6, or four 24-ounce cans for $9?" That didn't work.
My favorite hobby is making Scrabble tile necklaces. I can buy all my supplies online, but I love finding old Scrabble games at thrift stores and yard sales. I also make wall art from the boards, using the tiles for words that mean something to the person I am giving it to. I love doing the necklaces because I can pick out art/maps/ephemera that have meaning, or just make them fun. You never know what will appeal to people. I have not sold any, but I would love to start.
I have also been a librarian for awhile and would not advise anyone to go into it as a career right now. I have worked in four large library systems and they are constantly cutting jobs, combining job duties, and reducing full-time positions to part-time. I have observed hiring freezes, stagnant wages, and sometimes no raises at all.
I'm a late baby boomer who can't retire because I can't afford to--my earnings as a librarian have not kept up with inflation so I'll have to work until at least age 67. At 59, it's a little late for me to transition to another field.
It didn't use to be such a financial sacrifice to work in the library field. In 1999, when I started library school, I worked as a part-time library associate (a job requiring a bachelor's degree) starting at $11.75 an hour and getting a raise to $13.50 an hour within a year. Such raises were routine then. That position still starts at virtually the same rate as it did back then, 17 years ago! Last year, I looked into moonlighting at a large public library system near me in a position that also requires a bachelors' degree. Starting pay: $11.85 an hour.
My favorite pastime is gardening. It's both relaxing and a great source of exercise. Gardening can cost almost nothing, plus it can save money. The fresh vegetables you get can be a good deal less expensive than your local store.
@ Andrea Karim. Great article & Great point Pabout Big Pharma - it's a sad fact here. @ PK there are a lot of "natural" things that may help.
I have so many hobbies that I love. I love to bead jewelry, paint, scrapbook, make things with my Cricut machine, draw blueprints of tiny houses, color, etc. I don't really have a favorite, I just do a lot of crafts.
Hiking and exploring our beautiful country.
There was a great deal to like about the fifties, if you were a teen growing up in those years. Of course for my generation there will never be, or seem to be a better time. It didn't really last that long, but we measured time differently then, and it left us with a lot of great memories. We loved the music, and the movies, and the cars, and we seemed to like one another a good deal better in those days as well. We grew nostalgic for it even before it was gone. In a way, many of us were like Milner in American Graffiti, who just didn't want to see it go. It was the crest of the wave. And weren't we lucky to catch it?