Nicely summed up! One great example of a social media role model is Melanie Notkin, better known as Savvy Auntie. One point in her favor is that she doesn't advertise herself as a social media guru. Rather, her accomplishments tell her story for her.
I hate seeing people forced to join social networks and mingling but getting no substantial benefit out of them.
I think everyone is frantic to network right now, but this is so important to hear; some people have definitely been able to use social networks to their advantage, but I do think it is important to take it slow and understand what it is you want to accomplish, and whether what you are doing is logically going to accomlish that.
One professional social networking site that seems to have become very important is being used in very different ways by different people I know. Right now I am only using it as a rolodex, which is fine, but I feel uncomfortable going any further - that's just me. And I actually was contacted through it by someone who was looking for me to offer me work, so the public rolodex aspect of it did the trick.
So, yeah, don't let people push you around and force you to go all crazy with this stuff unless you want to.
I moved to Florida in '07 and have just now come back North to deal with a big clean out which has weighed me down for years. I simply Googled and found all your wonderful inspiration. As the previous commenter stated my heart races, and I get nausaus just to think of parting with my lifetime of accumulation
I know it is the right thing to do. I have wanted to declutter for 20-30 years. Just what is the hold it has on us? I have been thinking of going to a shrink to find out (LOL) but your blogs are even better. Thank you! We shall overcome.
Thanks for the post. My dad owned and ran a bakery (until the flour dust gave him health problems). I remember well going down late at night to help him out (two other workers). My favourite part was coating the chocolate covered cupcakes.
My husband does all of the computer networking stuff at our house. I could use this book so I could figure out some of the routing,etc. so I would know how it works.
I just bought a used 360 game from gamefly, and it had one big scratch, and several smaller ones. I bought it cheap and didn't want to spend any additional money on repairing it. So I tried toothpaste. I just had this crest night stuff which concerned me cause it has these larger mint granules. So I was careful to apply very little pressure while coating the disc with paste. I actually rinsed it off with hot water instead of using a towel. When I was done, there were actually more very tiny scratches, but the big scratch was much fainter. I popped it in the 360 and loaded the game to the level where it was locking up, and it made it thru the cutscene and loaded the level with no problems! Woohoo! Thank you for the tips!
Great article. I think there are a lot of folks out there who aren't educated on mortgage acceleration. Even a slight tweak on how they pay their mortgage each month can create a drastic savings on interest paid.
From what I understand, the stories of people going blind from drinking shine was due to the way the still was created. Back in the day the distilling coil on an outdoor still was made of copper which was very expensive and hard to come by. Then someone figured out that automobile radiators could be used for this purpose. The only problem was many times they were not thoroughly drained and cleaned which resulted in people getting antifreeze in their shine. It was the antifreeze that caused them to go blind, not methanol.
Don't think it is just large corporations or for-profit businesses who do this. My former employer was a small nonprofit with a good reputation. In Oregon, businesses have the option of paying a monthly premium or not to the state employment department, but if they opt out and then if they lay off or fire an employee, they must then reimburse the state for the amount paid out in unemployment benefits. I ended up costing my former employer over $10,000 for six months of benefits (not including what they paid TALX).
I've been baking sourdough on and off for a year or so. I think it is good that you emphasized how flexible it is; people assume that "normal" bread is hard and sourdough is harder but that's not true.
For those that aren't home all day, the process can be put on "pause" by throwing the dough in the fridge at basically any point. I often start a batch in an afternoon/evening, put it in the fridge, let it warm up again and rise the next afternoon and bake it for supper on day 2. Just make sure it is covered tightly or oiled up so it doesn't try out.
I often have my loaves burst open as they bake, so it helps to score the top with a serrated knife before baking.
One little thing though: It is possible to get unemployment if you were fired. All 50 states are "at will" employment states, which means employers have the right to fire you for any reason, except for racial, gender, or age discrimination. You can still get unemployment if you can prove that you were not fired for misfeasance.
This happened to me in Oregon. I was fired, but after I filed for unemployment and began receiving benefits, my former employer appealed, citing things I had never done, like screaming at employees and breaking confidentiality rules. I had saved all my employee evaluations, and sent them to the administrative judge who handled the appeal. During the telephone appeal, I calmly stated the truth, which contradicted the lies being told by my employer.
Employers might use the services of TALX, a company that exists to help employers "manage unemployment costs". My former employer, which was a nonprofit, used this service. The TALX representative actively tried to trip me up during the hearing. If you have to deal with such an individual, be very careful, stay cool, and don't allow them to contradict yourself or to say things you don't mean. If they challenge you, or try to twist what you say, calmly correct them. If you don't understand what they are trying to get you to say, ask them to repeat. If the judge is on top of things, she or he will understand what's going on.
The administrative judge ruled in my favor. From other reading I have done on this subject, I believe that these judges are generally disposed to rule for the employee except in clear cut cases of mis or malfeasance.
I worked in finance for a small company that was about to go under, I didn't get laid off but our employer basically gave us terms that would be impossible to stay on with. He said he didn't want us to take pay for the rest of the year (this was in june) and just work for benefits, he stripped us of many of our responsibilities and basically was destroying whatever was left of the company. He was an absentee owner who spent the last decade on permanent vacation while another senior manager ran and grew the business. The owner came back about a year ago and started making bad business decisions which were destroying the company, so the senior manager left and there was no real leadership left. Many of us ended up leaving, our unemployment was denied because he said we had quit. True, but he wasn't paying us any more anyway. I have requested a hearing and hope it works out. Unemployment isn't much but it will help through this period.
The root cause was this....banks and mortgage lendors were lending to less than qualified buyers. In the past (and I know as I have bought 2 houses and have family members/friends who have done the same PRIOR to this free for all in mortgage lending. The income/asset/debt requirements were strict and there wasn't as much risk being taken by the banks and lendors.) Second, Fannie and Freddie and the lendors were required I believe to have more capital in the past in case of a crisis. And the reason the banks and lendors could afford the risk is because they were selling it off to Fannie and Freddie so as not to bear the risk themselves so they could go out and lend some more of these risky mortgage loans. People saw real estate as a way to make money since based on the nature of supply and demand, when demand goes up prices go up and people were easily buying up these houses, turning them over for profit in record time in some cases like in Florida and California since they could buy them so easily, driving the prices up. I talked to one guy who told me he had friends who had become millionaires in Florida in only a few years by turning over high price houses in Florida every 6 month making thousands and thousands of dollars profit. What is troublesome is why didn't Congress heed the warnings of the regulatory agencies that the bottom was going to fall out? And I am a C span viewer and there were many warnings from many sources, even the Treasury Secretary as far back as 2002. The Senate quashed HR 1461 passed in the House back in 2005 in committee because it had no real teeth and was not a good bill, but the Republicans who believed the reform was needed did nothing to replace it, allowing the meltdown to occur. So I guess you could say they had a hand in it, but not for the reasons many claim. If anything, it was because they would not stand up to the liberal Democrats in Congress when they had majorities.
The root cause was this....banks and mortgage lendors were lending to less than qualified buyers. In the past (and I know as I have bought 2 houses and have family members/friends who have done the same PRIOR to this free for all in mortgage lending. The income/asset/debt requirements were strict and there wasn't as much risk being taken by the banks and lendors. Second, Fannie and Freddie and the lendors were required I believe to have more capital in case of a crisis. And the reason the banks and lendors could afford the risk is because they were selling it off to Fannie and Freddie so as not to bear the risk themselves so they could go out and lend some more of these risky mortgage loans. People saw it as a way to make money since based on the nature of supply and demand, when demand goes up prices go up and people were easily buying up these houses, turning them over for profit in record time in some cases like in Florida and California since they could buy them so easily, driving the prices up. I talked to one guy who told me he had friends who had become millionaires in Florida in only a few years by turning over high price houses in Florida every 6 month making thousands and thousands of dollars profit. What is troublesome is why didn't Congress heed the warnings of the regulatory agencies that the bottom was going to fall out? And I am a C span viewer and there were many warnings from the Treasury Secretary as far back as 2002. The Senate quashed HR 1461 back in 2005 in committee which could have prevented this.
Okay, sure, use the default address on Paypal. But at least advise the customer that THAT'S the address you'll be shipping to. A company should always confirm a shipping address, ESPECIALLY if they are shipping something LIVE. Give me a break.
Thanks for the info. Another great site to check out is Bizymoms.com Coupon Center www.bizymoms.com/coupons.index.html
Great source for the latest Free Online Printable Discount Coupons on a wide variety of products including Travel, Cosmetics, Jewelry, Fashion, Home Business Kits, Resaurants, Dining and many more Categories. Discounts as high as 50%.
We have a 15-yr $190,000 loan (5.375%) that we started paying Sept, 2005. That same month and every month after that, we are paying $700 extra. By the end of March, 2009, our loan balance will be around $124K. If we continue doing what we're doing, our house will be paid off in July 2014, the year that my husband and I will turn 40 years old.
We have extra money we can use to pay off the mortgage but as they say don't put all your eggs in one basket. We allocate our money in the following manner:
1) We give 4% of our gross income to our church and a few charities
2) We contribute the max to 401k and Roth IRA
3) We contribute the max to Coverdell ESA for our 2 kids
4) We contribute the max to HSA
5) We pay $700 extra monthly mortgage payment
6) We put $200 to non-retirement Vanguard acct (dollar cost average $50 each to Energy Fund, Total Stock Market, Wellington, and GNMA)
7) We received a huge tax refund for tax year 2008 and was able to pay off our car loan. So what used to be $500 per month that we pay for the car loan, we are now putting in an ING savings acct (we are trying to increase our liquid asset)
The teachings of Crown Financial Ministries have really made a positive impact in our lives. Listening from them made me and my husband strive to be good with our finances so that someday soon we can be "free and clear" to serve God.
Interesting article, but not sure of its relevance, because...
No real indication/discussion (possibly buried in the actual research?) of what factors actually contribute to the perception that someone is trustworthy. Appearances are immensely deceiving. (Yo, can y'all say Bernie Madoff? Tons of politicians, businesspeople who stole from companies...)
And frankly, while I agree that if one can meet someone in person when doing business, it may help you get a sense of who they are. But not always.
Most people are frankly a lousy judge of character. (We just all think we're better than we are.) Especially when dealing with people whom they perceive as attractive, rich, etc.
I've worked with clients I've met in person and clients I've never met physically (talk on phone, email). There is no correlation between the trustworthiness of those I saw and those I did not meet. Both types have screwed me over (even with signed contracts. In fact, one of my worst experiences was working with a company that interviewed me (and others) for close to two months for a job. I saw them plenty but they were very skilled liars and performers.
How on earth just seeing someone could determine their creditworthiness is highly debatable. You can get a sense of someone, but many people are very, very skilled in deceit.
Watch the new show "Lie to Me" It's great in breaking down physical clues to individual's behavior. But even that is not perfect.
Its a surprise mostly because its so complicated to be understood. So unless it comes right there for you you don't know that it would be coming, even though it was all by the rule book. Btw I love tax season too, for the same reasons. :)
Great job, Torley, on putting that all together! I had to read it twice -- it was so good! : )
Nicely summed up! One great example of a social media role model is Melanie Notkin, better known as Savvy Auntie. One point in her favor is that she doesn't advertise herself as a social media guru. Rather, her accomplishments tell her story for her.
I hate seeing people forced to join social networks and mingling but getting no substantial benefit out of them.
I think everyone is frantic to network right now, but this is so important to hear; some people have definitely been able to use social networks to their advantage, but I do think it is important to take it slow and understand what it is you want to accomplish, and whether what you are doing is logically going to accomlish that.
One professional social networking site that seems to have become very important is being used in very different ways by different people I know. Right now I am only using it as a rolodex, which is fine, but I feel uncomfortable going any further - that's just me. And I actually was contacted through it by someone who was looking for me to offer me work, so the public rolodex aspect of it did the trick.
So, yeah, don't let people push you around and force you to go all crazy with this stuff unless you want to.
I moved to Florida in '07 and have just now come back North to deal with a big clean out which has weighed me down for years. I simply Googled and found all your wonderful inspiration. As the previous commenter stated my heart races, and I get nausaus just to think of parting with my lifetime of accumulation
I know it is the right thing to do. I have wanted to declutter for 20-30 years. Just what is the hold it has on us? I have been thinking of going to a shrink to find out (LOL) but your blogs are even better. Thank you! We shall overcome.
Thanks for the post. My dad owned and ran a bakery (until the flour dust gave him health problems). I remember well going down late at night to help him out (two other workers). My favourite part was coating the chocolate covered cupcakes.
My husband does all of the computer networking stuff at our house. I could use this book so I could figure out some of the routing,etc. so I would know how it works.
I just bought a used 360 game from gamefly, and it had one big scratch, and several smaller ones. I bought it cheap and didn't want to spend any additional money on repairing it. So I tried toothpaste. I just had this crest night stuff which concerned me cause it has these larger mint granules. So I was careful to apply very little pressure while coating the disc with paste. I actually rinsed it off with hot water instead of using a towel. When I was done, there were actually more very tiny scratches, but the big scratch was much fainter. I popped it in the 360 and loaded the game to the level where it was locking up, and it made it thru the cutscene and loaded the level with no problems! Woohoo! Thank you for the tips!
Thanks, gracie. The feedback and correction is appreciated.
Just bought the player seeing this hack on line in advance when I tried it on the above JVC player it dd not work!!
BEWARE this guy probably works for JVC!! Needs to increase SALES!!
Player is good, but it wont change region!
Great article. I think there are a lot of folks out there who aren't educated on mortgage acceleration. Even a slight tweak on how they pay their mortgage each month can create a drastic savings on interest paid.
From what I understand, the stories of people going blind from drinking shine was due to the way the still was created. Back in the day the distilling coil on an outdoor still was made of copper which was very expensive and hard to come by. Then someone figured out that automobile radiators could be used for this purpose. The only problem was many times they were not thoroughly drained and cleaned which resulted in people getting antifreeze in their shine. It was the antifreeze that caused them to go blind, not methanol.
Read more: "Preview comment | Wise Bread" - http://www.wisebread.com/comment/reply/1212#ixzz09kMsMuS2
Don't think it is just large corporations or for-profit businesses who do this. My former employer was a small nonprofit with a good reputation. In Oregon, businesses have the option of paying a monthly premium or not to the state employment department, but if they opt out and then if they lay off or fire an employee, they must then reimburse the state for the amount paid out in unemployment benefits. I ended up costing my former employer over $10,000 for six months of benefits (not including what they paid TALX).
I've been baking sourdough on and off for a year or so. I think it is good that you emphasized how flexible it is; people assume that "normal" bread is hard and sourdough is harder but that's not true.
For those that aren't home all day, the process can be put on "pause" by throwing the dough in the fridge at basically any point. I often start a batch in an afternoon/evening, put it in the fridge, let it warm up again and rise the next afternoon and bake it for supper on day 2. Just make sure it is covered tightly or oiled up so it doesn't try out.
I often have my loaves burst open as they bake, so it helps to score the top with a serrated knife before baking.
Thanks for the article, Andrea.
One little thing though: It is possible to get unemployment if you were fired. All 50 states are "at will" employment states, which means employers have the right to fire you for any reason, except for racial, gender, or age discrimination. You can still get unemployment if you can prove that you were not fired for misfeasance.
This happened to me in Oregon. I was fired, but after I filed for unemployment and began receiving benefits, my former employer appealed, citing things I had never done, like screaming at employees and breaking confidentiality rules. I had saved all my employee evaluations, and sent them to the administrative judge who handled the appeal. During the telephone appeal, I calmly stated the truth, which contradicted the lies being told by my employer.
Employers might use the services of TALX, a company that exists to help employers "manage unemployment costs". My former employer, which was a nonprofit, used this service. The TALX representative actively tried to trip me up during the hearing. If you have to deal with such an individual, be very careful, stay cool, and don't allow them to contradict yourself or to say things you don't mean. If they challenge you, or try to twist what you say, calmly correct them. If you don't understand what they are trying to get you to say, ask them to repeat. If the judge is on top of things, she or he will understand what's going on.
The administrative judge ruled in my favor. From other reading I have done on this subject, I believe that these judges are generally disposed to rule for the employee except in clear cut cases of mis or malfeasance.
I worked in finance for a small company that was about to go under, I didn't get laid off but our employer basically gave us terms that would be impossible to stay on with. He said he didn't want us to take pay for the rest of the year (this was in june) and just work for benefits, he stripped us of many of our responsibilities and basically was destroying whatever was left of the company. He was an absentee owner who spent the last decade on permanent vacation while another senior manager ran and grew the business. The owner came back about a year ago and started making bad business decisions which were destroying the company, so the senior manager left and there was no real leadership left. Many of us ended up leaving, our unemployment was denied because he said we had quit. True, but he wasn't paying us any more anyway. I have requested a hearing and hope it works out. Unemployment isn't much but it will help through this period.
@Jenn - do employees always have access to their personnel file? In other words, could I ask to see mine today (I'm currently employed).
There's actually no problem - I work for a very decent company and am treated well - but I'm mostly just curious.
The root cause was this....banks and mortgage lendors were lending to less than qualified buyers. In the past (and I know as I have bought 2 houses and have family members/friends who have done the same PRIOR to this free for all in mortgage lending. The income/asset/debt requirements were strict and there wasn't as much risk being taken by the banks and lendors.) Second, Fannie and Freddie and the lendors were required I believe to have more capital in the past in case of a crisis. And the reason the banks and lendors could afford the risk is because they were selling it off to Fannie and Freddie so as not to bear the risk themselves so they could go out and lend some more of these risky mortgage loans. People saw real estate as a way to make money since based on the nature of supply and demand, when demand goes up prices go up and people were easily buying up these houses, turning them over for profit in record time in some cases like in Florida and California since they could buy them so easily, driving the prices up. I talked to one guy who told me he had friends who had become millionaires in Florida in only a few years by turning over high price houses in Florida every 6 month making thousands and thousands of dollars profit. What is troublesome is why didn't Congress heed the warnings of the regulatory agencies that the bottom was going to fall out? And I am a C span viewer and there were many warnings from many sources, even the Treasury Secretary as far back as 2002. The Senate quashed HR 1461 passed in the House back in 2005 in committee because it had no real teeth and was not a good bill, but the Republicans who believed the reform was needed did nothing to replace it, allowing the meltdown to occur. So I guess you could say they had a hand in it, but not for the reasons many claim. If anything, it was because they would not stand up to the liberal Democrats in Congress when they had majorities.
The root cause was this....banks and mortgage lendors were lending to less than qualified buyers. In the past (and I know as I have bought 2 houses and have family members/friends who have done the same PRIOR to this free for all in mortgage lending. The income/asset/debt requirements were strict and there wasn't as much risk being taken by the banks and lendors. Second, Fannie and Freddie and the lendors were required I believe to have more capital in case of a crisis. And the reason the banks and lendors could afford the risk is because they were selling it off to Fannie and Freddie so as not to bear the risk themselves so they could go out and lend some more of these risky mortgage loans. People saw it as a way to make money since based on the nature of supply and demand, when demand goes up prices go up and people were easily buying up these houses, turning them over for profit in record time in some cases like in Florida and California since they could buy them so easily, driving the prices up. I talked to one guy who told me he had friends who had become millionaires in Florida in only a few years by turning over high price houses in Florida every 6 month making thousands and thousands of dollars profit. What is troublesome is why didn't Congress heed the warnings of the regulatory agencies that the bottom was going to fall out? And I am a C span viewer and there were many warnings from the Treasury Secretary as far back as 2002. The Senate quashed HR 1461 back in 2005 in committee which could have prevented this.
Okay, sure, use the default address on Paypal. But at least advise the customer that THAT'S the address you'll be shipping to. A company should always confirm a shipping address, ESPECIALLY if they are shipping something LIVE. Give me a break.
Thanks for the info. Another great site to check out is Bizymoms.com Coupon Center www.bizymoms.com/coupons.index.html
Great source for the latest Free Online Printable Discount Coupons on a wide variety of products including Travel, Cosmetics, Jewelry, Fashion, Home Business Kits, Resaurants, Dining and many more Categories. Discounts as high as 50%.
We have a 15-yr $190,000 loan (5.375%) that we started paying Sept, 2005. That same month and every month after that, we are paying $700 extra. By the end of March, 2009, our loan balance will be around $124K. If we continue doing what we're doing, our house will be paid off in July 2014, the year that my husband and I will turn 40 years old.
We have extra money we can use to pay off the mortgage but as they say don't put all your eggs in one basket. We allocate our money in the following manner:
1) We give 4% of our gross income to our church and a few charities
2) We contribute the max to 401k and Roth IRA
3) We contribute the max to Coverdell ESA for our 2 kids
4) We contribute the max to HSA
5) We pay $700 extra monthly mortgage payment
6) We put $200 to non-retirement Vanguard acct (dollar cost average $50 each to Energy Fund, Total Stock Market, Wellington, and GNMA)
7) We received a huge tax refund for tax year 2008 and was able to pay off our car loan. So what used to be $500 per month that we pay for the car loan, we are now putting in an ING savings acct (we are trying to increase our liquid asset)
The teachings of Crown Financial Ministries have really made a positive impact in our lives. Listening from them made me and my husband strive to be good with our finances so that someday soon we can be "free and clear" to serve God.
It's highly subjective and reflects the viewer's personal prejudices and biases (we ALL have them), which can be MANY.
Better to rely on a quantifiable and standardized evaluation system. "likeability" and personality should not be key factors.
By the way, this approach is why we have issues with "discrimination" in all areas of life.
Somebody looks at another and decides : Oh, you're too (fill in the blank) to do whatever.
Interesting article, but not sure of its relevance, because...
No real indication/discussion (possibly buried in the actual research?) of what factors actually contribute to the perception that someone is trustworthy. Appearances are immensely deceiving. (Yo, can y'all say Bernie Madoff? Tons of politicians, businesspeople who stole from companies...)
And frankly, while I agree that if one can meet someone in person when doing business, it may help you get a sense of who they are. But not always.
Most people are frankly a lousy judge of character. (We just all think we're better than we are.) Especially when dealing with people whom they perceive as attractive, rich, etc.
I've worked with clients I've met in person and clients I've never met physically (talk on phone, email). There is no correlation between the trustworthiness of those I saw and those I did not meet. Both types have screwed me over (even with signed contracts. In fact, one of my worst experiences was working with a company that interviewed me (and others) for close to two months for a job. I saw them plenty but they were very skilled liars and performers.
How on earth just seeing someone could determine their creditworthiness is highly debatable. You can get a sense of someone, but many people are very, very skilled in deceit.
Watch the new show "Lie to Me" It's great in breaking down physical clues to individual's behavior. But even that is not perfect.
Its a surprise mostly because its so complicated to be understood. So unless it comes right there for you you don't know that it would be coming, even though it was all by the rule book. Btw I love tax season too, for the same reasons. :)
How is it that most of the people who use the word "socialist" as invective have no idea what socialism actually is?
Seriously.