I usually buy music in mp3 format on Amazon or iTunes. Though, I recently bought mp3 music through a fave band's page on bandcamp and that was a good experience too. cds are just so 90s. I don't want to take up the space in my already crowded house with them.
The advice in this post is extremely unhelpful and potentially even damaging. The decision to enter or not enter the job market should not be based on aggregate job market data but an individual's learned skill set relative to his peers in the same industry along with their individual situation.
If one is worried about entering the job market with an initial salary lower than if they entered when the economy was doing better, they should focus their attention on improving their skills and/or learning how to find new jobs paying the market rate. When the economy picks up and salaries rise with it, people should focus on learning how to find those risen salaries... learn to negotiate, learn to network, find a niche market. Instead of worrying about market conditions that are out of your control, focus on areas that you can improve upon... don't decide to go back school or take a job in an unrelated industey simply because the market is down.
I saw that there are companies that now lease solar equipment. If it generates enough power you end up saving. My BF and I are seriously looking at it. We want to get off our grid dependency.
Wise words. One of my students just completed her MA in English and is going to have to repay 70,000 in debt! She told me that she took the max in loans to finance a lifestyle of meals out etc.
Interestingly, I met a bunch of people in France this summer who are back in school--but in France that's OK (for them, at least, not sure about the economy as a whole) because tuition, housing, and meals are all subsidized.
I stumbled upon this blog by accident but thought I'd weigh in on the conversation. I've been a Netspend customer for about 3 and 1/2 years and I've haven't had a problem. I use it to pay my bills and to shop online and I love it. I feel this card is a good option for me, I'm a single mom that can't afford to continue getting ripped off by banks with their teller and overdrafts fees, nor do I have the money for them to just take and claim to be theirs. I did have Bank of America and it was a nightmare. I wrote my landlord a check for my rent, one check, and BOA withdrew the amount on the check twice. When I took my back statement up to the bank and showed the bank manager my statement with the same check number deducted twice from my account she told me that I was mistaken, that they did not do that, even though it was right there in black and white. I had to call BOA customer service and finally they credited me the money they wrongfully took from my account but not before my check to the electric company bounced. Now I am on the list of 'do not accept checks from this person' at the electric company for something that was BOA's fault. Bank of America has just settled a class action lawsuit for their tactics in ripping people off so hopefully they will change their practices. I am sorry you all had problems but for me Netspend is a good thing, without it I don't know what I'd do. These days you have to have a card of some sort for bills and for the working class and the working poor this is one of the only options available.
That's a good point Sean. Tim Ferriss mentioned in his book that some people are too tired to get up in the morning because they are experiencing low blood sugar levels. He recommends having a small snack like almond butter and celery sticks, apples, or yogurt.
I've started eating a banana before bed time. Some people claim banana helps with snoring.
Thank you Dan, I was going address the same issue. Drinking milk from cow's which have not been treated with antibiotics is important because it means that the cow's haven't been crammed into tight quarters where diseases can spread rapidly.
Dave here, I'm going to try again. If this doesn't work this time I would like someone to give me the name brand of all the ingredients you used as I used cheap value brands. Maybe there is a difference and please be specific on the application rate.
I completely agree with the coment about having liquid assets, in this day and age it is so easy to rack up debt and not having anything to fall back on. I have managed to save up a few months salary so that if anything does go wrong I have the money to hand.
Good stuff, Will...people should also watch what they eat (or don't eat) before bed. Avoid snacks that are too large, too heavy, too high in protein without carbs to offset, and also too high on the glycemic index.
As bad as all those things can be, going to bed on an empty stomach can be just as bad.
A small, healthy, proper snack before bed can make a huge difference in how easily you fall asleep, the quality of your sleep, and how you feel the next morning!
Nonsense. The Card companies already figured all of this out. Unless you have been asleep for the last 5 years, you'd know that all of these cards are pretty much restricted from "cashing out" and most do not offer recharging unless it's directly issued by the store (Target, WalMart).
Donating to charity is a joke. most charities will not take less than $10 off of a credit card (redcross.org). the only possibility is giftcardgiver.com which unfortunately requires sending in the actual card, hence allowing any downstream user to see my past transactions.
Unfortunately this is designed like this to eek out yet another margin for the Card Companies....
If you monitor your dog when it plays, like you should ALWAYS do, then there is no risk here. NO toy is safe for any dog to play with when alone, not even an extreme kong. I've seen dogs choke on those when left unsupervised, they're not shred-proof, just shred-resistant.
Read the intro, the author says not to use *your* sock. My GSD has no problem differentiating between a toy sock and my socks.
Similar to the majority of comments, I do not have a financial advisor. I may look to consult a fee only advisor/planner, but that will be in the distant future.
I would also suggest going to a community college while working, perhaps part-time. You can learn practical skills that way. Going back to school for another degree in this job climate is like doubling down while gambling. I finished grad school last year and found a job after six months (and only through networking). Some of my peers are still looking or going back to school for a third degree. My salary's at the bottom end of what I consider acceptable, not much more than I was earning with a bachelor's. I am very, very lucky my parents were able and willing to let me live with them and support me financially until I could get back on my feet.
Bernard, that's an extremely ignorant and cynical generalization; I'm guessing you're from an older generation that never experienced this kind of hardship. I worked through both my graduate and undergraduate studies and did not party at all. Unlike our parents, whose parents gave them prosperity and security, my generation has been gifted with debt and uncertainty. Your generation could get a decent job with a bachelor’s, paid for by selling ice cream on the beach in the summers- if you chose to work- because all you had to pay for were your textbooks (at least in California). For the same starting job, your generation deems someone from my cohort inadequate without a master’s and several internships, never mind that the UC system raised its tuition by 33% last year.
We've already been hurt enough in the long run by the messed up economy and dysfunctional government we've inherited, thanks.
I usually buy music in mp3 format on Amazon or iTunes. Though, I recently bought mp3 music through a fave band's page on bandcamp and that was a good experience too. cds are just so 90s. I don't want to take up the space in my already crowded house with them.
you've been tweeted! http://twitter.com/#!/robertdavia/status/103429212618240000
These days, I mostly use Amazon.com to buy my mp3's. Occasionally, I'll use iTunes, but they are general 30¢ more a track.
No, I don't have a financial adviser. I'm just starting out and my finances are simple enough that I don't feel like I need one.
I agree. I was just at Hawaii and my credit card helped tons!
The advice in this post is extremely unhelpful and potentially even damaging. The decision to enter or not enter the job market should not be based on aggregate job market data but an individual's learned skill set relative to his peers in the same industry along with their individual situation.
If one is worried about entering the job market with an initial salary lower than if they entered when the economy was doing better, they should focus their attention on improving their skills and/or learning how to find new jobs paying the market rate. When the economy picks up and salaries rise with it, people should focus on learning how to find those risen salaries... learn to negotiate, learn to network, find a niche market. Instead of worrying about market conditions that are out of your control, focus on areas that you can improve upon... don't decide to go back school or take a job in an unrelated industey simply because the market is down.
I saw that there are companies that now lease solar equipment. If it generates enough power you end up saving. My BF and I are seriously looking at it. We want to get off our grid dependency.
Did Thrive get bought out by Lending Tree?
Wise words. One of my students just completed her MA in English and is going to have to repay 70,000 in debt! She told me that she took the max in loans to finance a lifestyle of meals out etc.
Interestingly, I met a bunch of people in France this summer who are back in school--but in France that's OK (for them, at least, not sure about the economy as a whole) because tuition, housing, and meals are all subsidized.
I stumbled upon this blog by accident but thought I'd weigh in on the conversation. I've been a Netspend customer for about 3 and 1/2 years and I've haven't had a problem. I use it to pay my bills and to shop online and I love it. I feel this card is a good option for me, I'm a single mom that can't afford to continue getting ripped off by banks with their teller and overdrafts fees, nor do I have the money for them to just take and claim to be theirs. I did have Bank of America and it was a nightmare. I wrote my landlord a check for my rent, one check, and BOA withdrew the amount on the check twice. When I took my back statement up to the bank and showed the bank manager my statement with the same check number deducted twice from my account she told me that I was mistaken, that they did not do that, even though it was right there in black and white. I had to call BOA customer service and finally they credited me the money they wrongfully took from my account but not before my check to the electric company bounced. Now I am on the list of 'do not accept checks from this person' at the electric company for something that was BOA's fault. Bank of America has just settled a class action lawsuit for their tactics in ripping people off so hopefully they will change their practices. I am sorry you all had problems but for me Netspend is a good thing, without it I don't know what I'd do. These days you have to have a card of some sort for bills and for the working class and the working poor this is one of the only options available.
You are welcome Tom!
You are welcome Ben!
You are welcome!
You are welcome!
That's a good point Sean. Tim Ferriss mentioned in his book that some people are too tired to get up in the morning because they are experiencing low blood sugar levels. He recommends having a small snack like almond butter and celery sticks, apples, or yogurt.
I've started eating a banana before bed time. Some people claim banana helps with snoring.
Thank you Dan, I was going address the same issue. Drinking milk from cow's which have not been treated with antibiotics is important because it means that the cow's haven't been crammed into tight quarters where diseases can spread rapidly.
I was just trying to find a picture that said "higher education," and I happened to have a picture of the Alma Mater statue....
Dave here, I'm going to try again. If this doesn't work this time I would like someone to give me the name brand of all the ingredients you used as I used cheap value brands. Maybe there is a difference and please be specific on the application rate.
I completely agree with the coment about having liquid assets, in this day and age it is so easy to rack up debt and not having anything to fall back on. I have managed to save up a few months salary so that if anything does go wrong I have the money to hand.
Your subtlety in using the University of Illinois' "Alma Mater" statue as imagery for this article is not lost on me.
Good stuff, Will...people should also watch what they eat (or don't eat) before bed. Avoid snacks that are too large, too heavy, too high in protein without carbs to offset, and also too high on the glycemic index.
As bad as all those things can be, going to bed on an empty stomach can be just as bad.
A small, healthy, proper snack before bed can make a huge difference in how easily you fall asleep, the quality of your sleep, and how you feel the next morning!
Sean Folkson - Founder, NightFood, Inc.
http://www.NightFood.com
Nonsense. The Card companies already figured all of this out. Unless you have been asleep for the last 5 years, you'd know that all of these cards are pretty much restricted from "cashing out" and most do not offer recharging unless it's directly issued by the store (Target, WalMart).
Donating to charity is a joke. most charities will not take less than $10 off of a credit card (redcross.org). the only possibility is giftcardgiver.com which unfortunately requires sending in the actual card, hence allowing any downstream user to see my past transactions.
Unfortunately this is designed like this to eek out yet another margin for the Card Companies....
If you monitor your dog when it plays, like you should ALWAYS do, then there is no risk here. NO toy is safe for any dog to play with when alone, not even an extreme kong. I've seen dogs choke on those when left unsupervised, they're not shred-proof, just shred-resistant.
Read the intro, the author says not to use *your* sock. My GSD has no problem differentiating between a toy sock and my socks.
Similar to the majority of comments, I do not have a financial advisor. I may look to consult a fee only advisor/planner, but that will be in the distant future.
I would also suggest going to a community college while working, perhaps part-time. You can learn practical skills that way. Going back to school for another degree in this job climate is like doubling down while gambling. I finished grad school last year and found a job after six months (and only through networking). Some of my peers are still looking or going back to school for a third degree. My salary's at the bottom end of what I consider acceptable, not much more than I was earning with a bachelor's. I am very, very lucky my parents were able and willing to let me live with them and support me financially until I could get back on my feet.
Bernard, that's an extremely ignorant and cynical generalization; I'm guessing you're from an older generation that never experienced this kind of hardship. I worked through both my graduate and undergraduate studies and did not party at all. Unlike our parents, whose parents gave them prosperity and security, my generation has been gifted with debt and uncertainty. Your generation could get a decent job with a bachelor’s, paid for by selling ice cream on the beach in the summers- if you chose to work- because all you had to pay for were your textbooks (at least in California). For the same starting job, your generation deems someone from my cohort inadequate without a master’s and several internships, never mind that the UC system raised its tuition by 33% last year.
We've already been hurt enough in the long run by the messed up economy and dysfunctional government we've inherited, thanks.