I am married to a chinese girl that is now an Aussie Citizen. We own 2, 2 brm units in Southern China and we are buying 5 more one bedrooms, that will cost us about 15,000 AUD. In september this year I am going to leave my job and am selling my unit here in Oz. To retire in China permenently. i got my partner the Oz citizen ship so we can still get the pension in Australia and the medical benifits when we get older, to uphold our chinese lifestyle in China :). As you know I am 32 and I am retiring this year 09. I have been to China and HK 5 times and I have more family and friends there then I have here in Australia. The air is cleaner then Australia, my asma clears up when I am there. the Chinese government is getting rid of all the motorbikes from the major cities to clear up some of the polution and the people are much much more friendlier in China then here in Oz. I am getting a friend to say she is hiring me at one of her schools to immigration, so I only have to update my visa once a year Maximum. I wont have to work but I will probably teach english to young children for a bit of extra RMB. China Rulz, I speak mandarin of course and am still learning cantonese, whcih is much harder. Without the language forget retiring in southern China. No one speaks english in Southern China, it is almost impossible to travel through the country let a lone live there with out the language. i saw one white person per month when I lived there. I loved it !!!
Dollar cost averaging is a good strategy as in most of us don't want to spend our life watching stock tickers.
But can make reasonable effort and within what an average person can do is to stop dollar cost averaging when the stock market is clearly overheating and more dollars to invest when the market like now is clearly in the downturn.
Two of our adult children live in Alaska. Gold panning is a hobby for them and for us when we visit. So far we haven't found much but we have some friends in the Fairbanks area who make a good living at it.
"There has been many studies done on the amount of unemployment insurance in relation to how long people stayed unemployed, and most of them do find that more unemployment benefits do steer people to stay out of work for a longer duration." [Link provided]
I am on call 24/7. I'm the project manager. No time for my fiance' and I just saw my mom today for the first time in almost a month. I'm writing this because I was getting ready to walk out the door for dinner(first date in over 6 months) and got an emergency call and will probably be working till about 4am. I am the best at my job. Does that make up for it? It kinda helps to vent...
One of the biggest problems with the U.S. healthcare system is the number of people who run to a doctor every five minutes. People on Medicaid in particular have no reason NOT to go to an emergency room for every scratch because they never pay a bill. Now, as usual, because of a few the majority takes on the pain of paying. We have a nation of worried well. People with chronic diseases don't go to a doctor as much as the hypochondriacs. I'm tired of paying for a high-deductible plan at a rate of $417/month just to see a few abuse the system at our expense. If you smoke, are overweight, or visiting a doctor more than once every three months you need to reassess why you need such frequent care. Many people are using the healthcare system for attention, not health care.
this program is a sham, fraud, a complete lie. i've now been to over 8 gulf gas stations in the north massachusetts, south new hampshire area and NONE of the stations will accept the shaw's gas promotion. in fact one station didn't even know what i was talking about. this is total fraud. if there are any lawyers out there, how do i start a lawsuit??
Half.com is brilliant for this sort of thing. I remember clearing a profit of more than $80 from a pile of abandoned books; perfectly good ones left out with the garbage on my street! Whether it's worth the effort for $14/h depends on your situation. For most students, it sure is! My favorite sources in NYC are, in descending order: 1) sidewalks, 2) public library book sales and garage sales, and 3) thrift shops. The best deals are made with the most recently published books.
Regarding taxes, I think that the IRS only takes a closer look if you are selling 4 or more copies of the same book (you're considered a shop in that case, not someone trying to unload used goods at a "loss"), or if the book sale profits make up a significant chunk of your annual income. As things stand now, making money from used books is a better deal than buying stocks.
Maybe you have never been so down and out that you were desperate to make money. I said you were ignorant not stupid because you obviously come from a different societal culture/background.
I could sell as much moonshine as I could lay my hands on where I live now. It's not like that everywhere though.
Drinking and drug use rise during hard economic times as well; providing demand for the supply. Have you forgotten the Great Depression, Prohibition; where do you think liquor came from then?
Anyway, try going from a six figure income to no income for 6 months and see what you would be willing to try.
remember about casting stones
Gotta tell you: I've only worked in one school, a private one, that gave me anything toward my continuing education. And that continuing education isn't an option: its required for me to keep my teaching license. But, the requirements for my license, and the requirements under various federal laws are different. No Child Left Behind has very different requirements for a "highly qualified teacher" than state laws for a teaching license.
Also, I do work during the summer. With students. I bring home a pile of work every night, and over each break. In fact, I'd better get back to the quarterly reports, IEPs, alternative assessment, and curriculum design I need to do.
I will admit that as a single person, I make a good salary and am comfortable. I'm frugal, and don't spend a lot... But I would very much like to buy a place, and cannot afford to do so in the area I teach.
Too risky for me and for the most part it is just to spite the credit card companies. If it gets to the point of renegotiations and stuff with the card company, think of what that would do to your credit rating.
Then again, I usually just use my credit card to buy stuff that I can afford and get the cash back/etc benefits that the card offers. I rarely have a balance at the end of the month (and I say rarely because there are times I just forget to pay the bill)
Although you should still have some funds left over for emergency, I keep some funds for those, so paying it all off in full without any notion of an emergency fund is a bad idea too.
I set up an automatic savings account and deduct some funds every month which I don't bother looking at unless I do have a need (which has arisen a few times -- car, condo, emergency travel), I keep my main petty cash line in check.
I've been doing this since I started work as an RA at University, so it is pretty stable for the most part.
Cat making a million trips to the litter box and squeezing out only a drop? If you mix your cat's food with 1/2 teaspoon of apple cider vinegar, you will notice the infection disappear, within a few days (or sooner). BE SURE that it's a UTI (i.e., your cat has had them before and the symptoms are the same). Rule out that it is something more serious (like a blockage). (must contain 'the mother'...which will normally be stated right on the front..and generally found in the organic section of your supermarket.
I have multiple cats, so have to feed them all the same treated food. They really perk up after a day or so of ingesting ACV.
Antibiotics did not work on my cat with UTI, but this stuff absolutely works.
I've had some great conversations with book sellers as I love to visit thrift stores and library sales. It seems if you find an area of personal interest you know sells, it seems go do better. One person sold classics and curriculum to homeschoolers, another sells beautifully illustrated children's books, another elderly couple zeroed in on older hardcover classic fiction and large coffeetable books. They like what they do and get enough financial return to keep themselves afloat. What more could anyone ask from a job?
Hi D. Albright, I never set up a shop next to a highway to sell books. I sold everything online. I did this five years ago so competition might have been less, and I only sold books that were worth more than $5.
Taxman, it's not very hard to do what you said. My dad helped me back then to file my taxes since he is an accountant. Since I was in college and not making too much other income during the school year back then I didn't have to pay a lot of taxes on this book selling income. Funnily enough I had a part time on campus job that paid $9 an hour, and that income ended up being less than my book selling income. The book selling income was also split between two tax years and I subtracted expenses like shipping/gas/merchant fees/half of self employment. I still ended up with more than $2000 in profit after taxes for each half year. I think I only paid a few hundred dollars in taxes each of those years due to my income level.
As to state taxes, Amazon marketplace did not give you an option to collect state taxes, but eBay did, but not everyone is from my state so very few people paid sales taxes. Technically if you buy from Amazon you are supposed to report the sales taxes yourself to your state since they just don't collect sales tax.Oh one final note I fogot about - the tax id is actually helpful when you go to some used book shops because they waive sales tax for resellers as long as you present the tax id.
None of your prognosticators predicted this economic tsunami so why should we believe their predictions about the future. Oh, and after the last Great Depression it took 25 years to break even in the stock market. So much for your ten year buy and hold strategy.
Profit of 5-6k? Did you file a Schedule C return and pay self employment tax of 15% plus Federal and State taxes? Did you collect state tax on the books sold? Do you have a state tax ID? So if you did this side business legally what is your real profit?
This idea may work in the bay area, but not where I live. I had thousands of books that I have collected over the years, no novels
mostly nonfiction,(gardening,how-to,childrens)and too many other topics to name. We live off a main highway in the country, I put out nice signs and for 3 days, early 6am to 4am I had not one customer! All the books were $1.00 except some that I had checked on the internet for value.
My next thought was to call a book seller. The first guy was only willing to pick through and give me 25 cents for hard cover and 10 cents for soft cover. The other guy wanted to buy in bulk. We are limited as to options in the country. So I sold them to the guy in bulk just to get them out of here. Needless to say he made out great, me not so. It was a total waste of my time, be forewarned you need to be in an area where you have people who read and high people traffic. One other thought, if you try to sell on the internet only sell the ones that are truly hard to find otherwise there is to much competition. Good Luck!
And everyone else with kinds words about the article. It was an amazing experience to be interviewed and to have my family with me during the photo shoot. Even my 5-year-old understands that not too many kids get thier mug in TIME!
Good ideas here! Only please don't give reject books back to the library. There's a reason they got rid of them in the first place, and getting them back only to have to sort through them again is a complete waste of time for the library staff. Trust me, I'm a librarian myself. Just recycle the books instead and save yourself the trip. There's no shame in chucking an old, worn-out, unwanted book.
I am married to a chinese girl that is now an Aussie Citizen. We own 2, 2 brm units in Southern China and we are buying 5 more one bedrooms, that will cost us about 15,000 AUD. In september this year I am going to leave my job and am selling my unit here in Oz. To retire in China permenently. i got my partner the Oz citizen ship so we can still get the pension in Australia and the medical benifits when we get older, to uphold our chinese lifestyle in China :). As you know I am 32 and I am retiring this year 09. I have been to China and HK 5 times and I have more family and friends there then I have here in Australia. The air is cleaner then Australia, my asma clears up when I am there. the Chinese government is getting rid of all the motorbikes from the major cities to clear up some of the polution and the people are much much more friendlier in China then here in Oz. I am getting a friend to say she is hiring me at one of her schools to immigration, so I only have to update my visa once a year Maximum. I wont have to work but I will probably teach english to young children for a bit of extra RMB. China Rulz, I speak mandarin of course and am still learning cantonese, whcih is much harder. Without the language forget retiring in southern China. No one speaks english in Southern China, it is almost impossible to travel through the country let a lone live there with out the language. i saw one white person per month when I lived there. I loved it !!!
Dollar cost averaging is a good strategy as in most of us don't want to spend our life watching stock tickers.
But can make reasonable effort and within what an average person can do is to stop dollar cost averaging when the stock market is clearly overheating and more dollars to invest when the market like now is clearly in the downturn.
Two of our adult children live in Alaska. Gold panning is a hobby for them and for us when we visit. So far we haven't found much but we have some friends in the Fairbanks area who make a good living at it.
What I mean is, anecotal evidence may have been the starting point for this post but it wasn't the end.
"There has been many studies done on the amount of unemployment insurance in relation to how long people stayed unemployed, and most of them do find that more unemployment benefits do steer people to stay out of work for a longer duration." [Link provided]
I am on call 24/7. I'm the project manager. No time for my fiance' and I just saw my mom today for the first time in almost a month. I'm writing this because I was getting ready to walk out the door for dinner(first date in over 6 months) and got an emergency call and will probably be working till about 4am. I am the best at my job. Does that make up for it? It kinda helps to vent...
Most of the time I can figure these out, but some of them still eluded me. Very helpful to those of us who are fairly new to the world of rebates!
One of the biggest problems with the U.S. healthcare system is the number of people who run to a doctor every five minutes. People on Medicaid in particular have no reason NOT to go to an emergency room for every scratch because they never pay a bill. Now, as usual, because of a few the majority takes on the pain of paying. We have a nation of worried well. People with chronic diseases don't go to a doctor as much as the hypochondriacs. I'm tired of paying for a high-deductible plan at a rate of $417/month just to see a few abuse the system at our expense. If you smoke, are overweight, or visiting a doctor more than once every three months you need to reassess why you need such frequent care. Many people are using the healthcare system for attention, not health care.
this program is a sham, fraud, a complete lie. i've now been to over 8 gulf gas stations in the north massachusetts, south new hampshire area and NONE of the stations will accept the shaw's gas promotion. in fact one station didn't even know what i was talking about. this is total fraud. if there are any lawyers out there, how do i start a lawsuit??
schleprock
Half.com is brilliant for this sort of thing. I remember clearing a profit of more than $80 from a pile of abandoned books; perfectly good ones left out with the garbage on my street! Whether it's worth the effort for $14/h depends on your situation. For most students, it sure is! My favorite sources in NYC are, in descending order: 1) sidewalks, 2) public library book sales and garage sales, and 3) thrift shops. The best deals are made with the most recently published books.
Regarding taxes, I think that the IRS only takes a closer look if you are selling 4 or more copies of the same book (you're considered a shop in that case, not someone trying to unload used goods at a "loss"), or if the book sale profits make up a significant chunk of your annual income. As things stand now, making money from used books is a better deal than buying stocks.
Maybe you have never been so down and out that you were desperate to make money. I said you were ignorant not stupid because you obviously come from a different societal culture/background.
I could sell as much moonshine as I could lay my hands on where I live now. It's not like that everywhere though.
Drinking and drug use rise during hard economic times as well; providing demand for the supply. Have you forgotten the Great Depression, Prohibition; where do you think liquor came from then?
Anyway, try going from a six figure income to no income for 6 months and see what you would be willing to try.
remember about casting stones
Gotta tell you: I've only worked in one school, a private one, that gave me anything toward my continuing education. And that continuing education isn't an option: its required for me to keep my teaching license. But, the requirements for my license, and the requirements under various federal laws are different. No Child Left Behind has very different requirements for a "highly qualified teacher" than state laws for a teaching license.
Also, I do work during the summer. With students. I bring home a pile of work every night, and over each break. In fact, I'd better get back to the quarterly reports, IEPs, alternative assessment, and curriculum design I need to do.
I will admit that as a single person, I make a good salary and am comfortable. I'm frugal, and don't spend a lot... But I would very much like to buy a place, and cannot afford to do so in the area I teach.
Too risky for me and for the most part it is just to spite the credit card companies. If it gets to the point of renegotiations and stuff with the card company, think of what that would do to your credit rating.
Then again, I usually just use my credit card to buy stuff that I can afford and get the cash back/etc benefits that the card offers. I rarely have a balance at the end of the month (and I say rarely because there are times I just forget to pay the bill)
Although you should still have some funds left over for emergency, I keep some funds for those, so paying it all off in full without any notion of an emergency fund is a bad idea too.
I set up an automatic savings account and deduct some funds every month which I don't bother looking at unless I do have a need (which has arisen a few times -- car, condo, emergency travel), I keep my main petty cash line in check.
I've been doing this since I started work as an RA at University, so it is pretty stable for the most part.
Cat making a million trips to the litter box and squeezing out only a drop? If you mix your cat's food with 1/2 teaspoon of apple cider vinegar, you will notice the infection disappear, within a few days (or sooner). BE SURE that it's a UTI (i.e., your cat has had them before and the symptoms are the same). Rule out that it is something more serious (like a blockage). (must contain 'the mother'...which will normally be stated right on the front..and generally found in the organic section of your supermarket.
I have multiple cats, so have to feed them all the same treated food. They really perk up after a day or so of ingesting ACV.
Antibiotics did not work on my cat with UTI, but this stuff absolutely works.
I've had some great conversations with book sellers as I love to visit thrift stores and library sales. It seems if you find an area of personal interest you know sells, it seems go do better. One person sold classics and curriculum to homeschoolers, another sells beautifully illustrated children's books, another elderly couple zeroed in on older hardcover classic fiction and large coffeetable books. They like what they do and get enough financial return to keep themselves afloat. What more could anyone ask from a job?
Hi D. Albright, I never set up a shop next to a highway to sell books. I sold everything online. I did this five years ago so competition might have been less, and I only sold books that were worth more than $5.
Taxman, it's not very hard to do what you said. My dad helped me back then to file my taxes since he is an accountant. Since I was in college and not making too much other income during the school year back then I didn't have to pay a lot of taxes on this book selling income. Funnily enough I had a part time on campus job that paid $9 an hour, and that income ended up being less than my book selling income. The book selling income was also split between two tax years and I subtracted expenses like shipping/gas/merchant fees/half of self employment. I still ended up with more than $2000 in profit after taxes for each half year. I think I only paid a few hundred dollars in taxes each of those years due to my income level.
As to state taxes, Amazon marketplace did not give you an option to collect state taxes, but eBay did, but not everyone is from my state so very few people paid sales taxes. Technically if you buy from Amazon you are supposed to report the sales taxes yourself to your state since they just don't collect sales tax.Oh one final note I fogot about - the tax id is actually helpful when you go to some used book shops because they waive sales tax for resellers as long as you present the tax id.
I found a pile of college textbooks sitting outside the dumpster that I snagged and sold on amazon for about $60 each! Thanks for the additional tips!
None of your prognosticators predicted this economic tsunami so why should we believe their predictions about the future. Oh, and after the last Great Depression it took 25 years to break even in the stock market. So much for your ten year buy and hold strategy.
Profit of 5-6k? Did you file a Schedule C return and pay self employment tax of 15% plus Federal and State taxes? Did you collect state tax on the books sold? Do you have a state tax ID? So if you did this side business legally what is your real profit?
This idea may work in the bay area, but not where I live. I had thousands of books that I have collected over the years, no novels
mostly nonfiction,(gardening,how-to,childrens)and too many other topics to name. We live off a main highway in the country, I put out nice signs and for 3 days, early 6am to 4am I had not one customer! All the books were $1.00 except some that I had checked on the internet for value.
My next thought was to call a book seller. The first guy was only willing to pick through and give me 25 cents for hard cover and 10 cents for soft cover. The other guy wanted to buy in bulk. We are limited as to options in the country. So I sold them to the guy in bulk just to get them out of here. Needless to say he made out great, me not so. It was a total waste of my time, be forewarned you need to be in an area where you have people who read and high people traffic. One other thought, if you try to sell on the internet only sell the ones that are truly hard to find otherwise there is to much competition. Good Luck!
Oh, wow - I guess I should have thought about allergies, especially when I have so many myself! :)
Mashed raspberries contain similar organic acids to tone and cleanse. Another alternative I found was lemon and cream cheese of all things!
Of course, if your skin is really sensitive, you may want to just leave it out altogether and just go for the moisturizing benefits.
l would like to get some rattle snake and alligator meat. anyone know who l could order from to get it shipped to Canada?
And everyone else with kinds words about the article. It was an amazing experience to be interviewed and to have my family with me during the photo shoot. Even my 5-year-old understands that not too many kids get thier mug in TIME!
Linsey Knerl
Good ideas here! Only please don't give reject books back to the library. There's a reason they got rid of them in the first place, and getting them back only to have to sort through them again is a complete waste of time for the library staff. Trust me, I'm a librarian myself. Just recycle the books instead and save yourself the trip. There's no shame in chucking an old, worn-out, unwanted book.
Does this also work for college textbooks?
How would you go about determining what categories on non fiction are in demand?