After my husband losing his job we realized that money does make our family more stable, save and overall more happier. Money is not the most important thing but it does keep a lot of stress away. I as a stay a home working mom have made some great money online and found most resources from a cool site: http://www.makingmoneyonlineways.com
I pretty much never leave home without my credit card. Even my ultra-pared-down "biking wallet" has my driver's license (for ID purposes), credit card, and a couple dollars cash. The cash is bus fare to get me home - the credit card is for any emergency that costs more than that.
Tony (the author) mentions working with an independent agent rather than a captive agent as a money-saving approach, which syncs with your experience. I especially liked his recommendation to do some research first, then review policies and pricing just in case -- in your market -- captives offer better deals than independents.
I've recently tried tomato leaves, and haven't found them to have any ill effects, but I suppose it's possible that they have a cumulative effect. However, they are being served in restaurants, as I mentioned. The toxin that is contained in tomato vines is also present in green tomatoes, and I eat those regularly with no ill effects. I don't suggest eating pounds of cooked tomato vines, but my guess is that the leaves can be added, in small amounts, to dishes without any detriment to one's health.
As to banana peels - well, organic is always healthier. This is true for apples and strawberries as well. I'm actually not sure how toxic the peels are, in terms of pesticide application. I'd be interesting to know, if someone cares to cite a source.
sorry. not spamming. Everything i will write on this piece of paper is just one word repeated: Death. I know you're lucky to have alternatives and creative ideas but i can't find that inside of me. sorry i really respect you. i don't want to diss you. but this is not what i am looking for. and if you have doubt, well.... i am followed by a therapist. if anyone have an advice to avoid me to get rid of me ... please tell. sorry sorry sorry sorry.
One of my good friends often frequents halloween parties as an old man using thrift clothes and some simple theatre makeup techniques..... In another 40 years he won't need the makeup anymore!
What should I do in this following situation which I am describing below?
I have worked for that nursing home for 5 years. About December 2010, I took a maternity leave and delivered my triplet infants on January 2010. On may 10, 2010, I tried to return to my full time position but the employer refused to take me back. I filed for unemployment insurance and was awarded. However, 3 months from receiving unemployment, suddenly it got stopped. They stated the reason for my denial was that I supposed to return to work on April 2010. Also, they accused me of quiting my job which is completely untrue. At no times has anyone or my Manager ever told me a specific date for returning to work. The unemployment insurance referee agrees with the employer's decision. I appealed it and wanted to know what I should do in order to continue to receiving unemployment insurance.
I track all my spending so I can compare it to my income every month. Every month I also transfer the extra money from my checking account into my savings account. This way, if the difference between my spending and income changes very much, or if there isn't as much money to transfer to savings as usual, then I know I should check on things.
I think being organized is very important…when you are organized you work more efficiently. I’m getting rid of a lot of papers around my desk at home and at work by filing them electronically using an online server. I can’t believe how much extra paper I have around that I really don’t need…I found a free version of cloud computing software at http://www.xambox.com. Remember:organization=productivity! Just start filing a few documents every day and in no time, you will be practically clutter free
Love your ideas! Try turning those broccoli stems into a slaw by shredding with some carrots & onion a little red cabbage, mayo, vinegar & dash of milk + salt and loads of pepper. Better when it chills for a day. Great with pulled pork, roast beef or fish.
Don't eat nightshade greens. There is enough waste you can eliminate without making yourself sick.
Several of your other recommendations are also toxic unless cooked *very* thoroughly (e.g. pea greens).
Also, banana peels are sprayed with very toxic pesticides because they are not meant to be eaten. So only experiment with organic banana peels. Even those are full of insect larvae, but I guess if that doesn't bother you...
Gotta disagree with this one...the "special" is to get rid of something and not to entice new customers (that's just a perk if it happens)...too much pasta cooked last night, meat or veggies on last day of freshness...these are the selections that end up as a "special". No chef/cook will order the "special" when eating out. Price IS usually better, true, but considering it will be tossed if not sold that day...it should be even less.
I think money can by happiness and love in the form of rescuing a shelter pet and providing a home. We recently paid $300 for two cats that were rescued and were living in a foster home. They have added so much to my life. I love them and they make me happy.
Warning to those of us with allergies. This article described my mom well. Bacon grease can check... also left in cast iron pan in the oven too. We also had fried bread that you fry in bacon fat or fry in "drippings" from cooking steaks. Anyways the allergy warning is cutting off mold wont fix it. The item is still contaminated even if the "blue" is only on the surface. So below that there is still the bacterium. So if you have allergies to mold cutting it off only spares a higher/more concentrated dose of mold but doesn't stop you from still eating or touching contaminated food. You can still get ill. People with penicillin allergies (two of the drugs can kill me) mean people shouldn't eat melon(cantaloupe is the worst), banana, citrus(orange and grapefruit are particularly bad) or bread if moldy. If your allergic to them unmoldy and also mold it will definitely make you ill with flu like to leathal symptoms by trying to just cut off the item or toss out the one while keeping the good looking one to still try to eat later(ie sometimes fruit goes bad but you toss the bad one and keep the rest).
Also add you know your dealing with more than frugal if they refuse you dessert if you don't eat all the items or threaten to ground you while guilt tripping you. I was allergic to some of the items and they knew that but they still hassled me to eat them. Eventually they stopped and gave me things I reacted less to but still hassled me if I didn't eat them. Finally older they left it alone.
We automatically save 20% of my take-home pay per pay period which has added up pretty quickly. Also, learning to live frugally has been a hard-learned lesson that keeps paying us. Grocery shop circularly: meaning use the circulars and stay on the perimeters of the store as often as possible. Eat at/from home as often as possible and try to avoid wasting food. Also, we remind ourselves that we are not deprived, but are choosing to live differently from the "Joneses". We are not wealthy by any means, but because we live with minimal debt and have savings we are richer than most of our peers. Nothing beats the satisfaction and peace of mind that comes with having a growing savings account--not even a new car or a fancy new iPad.
Setting up automated savings of 20% of each paycheck for my husband and I both has changed everything. Learning to make saving a priority was earned the hard way, but now the satisfaction and peace of mind we get from knowing we can always pay the bills--even the unexpected ones--has been the greatest reward. We've also taken advantage of selling unneeded items and stocking away the money from every sale (craigslist, etc). Learning to cut back on expenses has been hard, but we try to do without and use a mandatory 30 waiting period before making any purchase over $50 for "wants". Usually, we forget all about it by the end of 30 days. The only other tip I can offer is to eat at/from home as often as possible as inexpensively as possible.
Reading this I was most shocked how someone so young can do something so great. Being a young teen myself I have always wanted to make something amazing but as we all know not all of us can truly get behind the wheel and take off. I wish to wright a book but never the less writers block. It is a inspiration that these people have done an idea they had. Subway, I love that place and to know a teen did it makes it all the better. It was a little disappointing to see no teen woman was on the list but perhaps there will be one soon.
Also, and I could be wrong on this, but personal experience has shown me that dealing with an independent agent that you trust usually leads to the least expensive insurance for your money. That way, they simply find the best deal for you without being financially tied to one specific provider.
Very basic, but it works for us. After we pay off our credit card, the last bill in the month, we put the excess in a money market account for our emergency fund. We have over a6 months cushion saved up.
My best ROI purchase was a Foodsaver, bought at a yard sale for $5. It was an older model then(15 years ago) and the vacuum and sealer were separate machines. I never did use the sealer much, but using the vacuum portion and a few additional tools (mason jar sealers and a container that i could put reused food jars in to seal and then put on the shelf) I've saved boatloads over the years. Sadly, the vacuum recently broke, but I just bought another used one off of Craigslist.
It's amazing how many opportunities this concept has brought to the market. I've never used CoupRecoup and DealsGoRound but I love the fact that when there's a need, there's an entrepreneur that builds a solution. I have friends that have gotten caught up in the moment and purchased more than they are able to use. There are so many group buying sites now that it's almost unmanageable. LocalDealSites.com ( http://www.localdealsites.com/ ) is a new site that lists over 100 Groupon-like daily deal websites and let's you filter by city so you can see which sites have offers in your area. As a deal seeker myself, I love the concept and am glad that it's caught on so quickly.
In all fairness (I'm replying to some of the comments), this article was about financial perks of marriage, and not a political statement or an attempt to make people who aren't married feel bad. Of course, some of the points apply to unmarried couples who live together, and of course, some of them don't apply (and in my opinion, should) to same-sex couples. And maybe the title should have been financial perks of the widely-accepted-in-50-states-heterosexual-marriage. Just don't read too much into it. Ben was just trying to point out some benefits to marriage - and despite sitcoms to the contrary, there ARE some benefits! :)
After my husband losing his job we realized that money does make our family more stable, save and overall more happier. Money is not the most important thing but it does keep a lot of stress away. I as a stay a home working mom have made some great money online and found most resources from a cool site: http://www.makingmoneyonlineways.com
I pretty much never leave home without my credit card. Even my ultra-pared-down "biking wallet" has my driver's license (for ID purposes), credit card, and a couple dollars cash. The cash is bus fare to get me home - the credit card is for any emergency that costs more than that.
Tony (the author) mentions working with an independent agent rather than a captive agent as a money-saving approach, which syncs with your experience. I especially liked his recommendation to do some research first, then review policies and pricing just in case -- in your market -- captives offer better deals than independents.
Actually, no, pea greens are not toxic.
http://gardening.about.com/od/vegetables/qt/Pea-Shoots-Tendrils.htm
are not recommended for human consumption, but regular pea greens are edible with minimal cooking. I've had them countless times, only lightly sauteed with a bit of garlic, and they are cooked for maybe 3 or 4 minutes, tops.
I've recently tried tomato leaves, and haven't found them to have any ill effects, but I suppose it's possible that they have a cumulative effect. However, they are being served in restaurants, as I mentioned. The toxin that is contained in tomato vines is also present in green tomatoes, and I eat those regularly with no ill effects. I don't suggest eating pounds of cooked tomato vines, but my guess is that the leaves can be added, in small amounts, to dishes without any detriment to one's health.
As to banana peels - well, organic is always healthier. This is true for apples and strawberries as well. I'm actually not sure how toxic the peels are, in terms of pesticide application. I'd be interesting to know, if someone cares to cite a source.
sorry. not spamming. Everything i will write on this piece of paper is just one word repeated: Death. I know you're lucky to have alternatives and creative ideas but i can't find that inside of me. sorry i really respect you. i don't want to diss you. but this is not what i am looking for. and if you have doubt, well.... i am followed by a therapist. if anyone have an advice to avoid me to get rid of me ... please tell. sorry sorry sorry sorry.
That's a good point. I never thought of eating them, myself, but I do love eating beet greens (chard), which I totally forgot to mention in the post.
Put simply, I'd say that if you are in debt at all, then you need to take a close look at your credit card spending.
It could probably use some paring down
One of my good friends often frequents halloween parties as an old man using thrift clothes and some simple theatre makeup techniques..... In another 40 years he won't need the makeup anymore!
What should I do in this following situation which I am describing below?
I have worked for that nursing home for 5 years. About December 2010, I took a maternity leave and delivered my triplet infants on January 2010. On may 10, 2010, I tried to return to my full time position but the employer refused to take me back. I filed for unemployment insurance and was awarded. However, 3 months from receiving unemployment, suddenly it got stopped. They stated the reason for my denial was that I supposed to return to work on April 2010. Also, they accused me of quiting my job which is completely untrue. At no times has anyone or my Manager ever told me a specific date for returning to work. The unemployment insurance referee agrees with the employer's decision. I appealed it and wanted to know what I should do in order to continue to receiving unemployment insurance.
I track all my spending so I can compare it to my income every month. Every month I also transfer the extra money from my checking account into my savings account. This way, if the difference between my spending and income changes very much, or if there isn't as much money to transfer to savings as usual, then I know I should check on things.
I think being organized is very important…when you are organized you work more efficiently. I’m getting rid of a lot of papers around my desk at home and at work by filing them electronically using an online server. I can’t believe how much extra paper I have around that I really don’t need…I found a free version of cloud computing software at http://www.xambox.com. Remember:organization=productivity! Just start filing a few documents every day and in no time, you will be practically clutter free
Love your ideas! Try turning those broccoli stems into a slaw by shredding with some carrots & onion a little red cabbage, mayo, vinegar & dash of milk + salt and loads of pepper. Better when it chills for a day. Great with pulled pork, roast beef or fish.
Don't eat nightshade greens. There is enough waste you can eliminate without making yourself sick.
Several of your other recommendations are also toxic unless cooked *very* thoroughly (e.g. pea greens).
Also, banana peels are sprayed with very toxic pesticides because they are not meant to be eaten. So only experiment with organic banana peels. Even those are full of insect larvae, but I guess if that doesn't bother you...
Gotta disagree with this one...the "special" is to get rid of something and not to entice new customers (that's just a perk if it happens)...too much pasta cooked last night, meat or veggies on last day of freshness...these are the selections that end up as a "special". No chef/cook will order the "special" when eating out. Price IS usually better, true, but considering it will be tossed if not sold that day...it should be even less.
I automatically have money moved to my savings account as soon as it is directly deposited. I never miss it.
I think money can by happiness and love in the form of rescuing a shelter pet and providing a home. We recently paid $300 for two cats that were rescued and were living in a foster home. They have added so much to my life. I love them and they make me happy.
Warning to those of us with allergies. This article described my mom well. Bacon grease can check... also left in cast iron pan in the oven too. We also had fried bread that you fry in bacon fat or fry in "drippings" from cooking steaks. Anyways the allergy warning is cutting off mold wont fix it. The item is still contaminated even if the "blue" is only on the surface. So below that there is still the bacterium. So if you have allergies to mold cutting it off only spares a higher/more concentrated dose of mold but doesn't stop you from still eating or touching contaminated food. You can still get ill. People with penicillin allergies (two of the drugs can kill me) mean people shouldn't eat melon(cantaloupe is the worst), banana, citrus(orange and grapefruit are particularly bad) or bread if moldy. If your allergic to them unmoldy and also mold it will definitely make you ill with flu like to leathal symptoms by trying to just cut off the item or toss out the one while keeping the good looking one to still try to eat later(ie sometimes fruit goes bad but you toss the bad one and keep the rest).
Also add you know your dealing with more than frugal if they refuse you dessert if you don't eat all the items or threaten to ground you while guilt tripping you. I was allergic to some of the items and they knew that but they still hassled me to eat them. Eventually they stopped and gave me things I reacted less to but still hassled me if I didn't eat them. Finally older they left it alone.
We automatically save 20% of my take-home pay per pay period which has added up pretty quickly. Also, learning to live frugally has been a hard-learned lesson that keeps paying us. Grocery shop circularly: meaning use the circulars and stay on the perimeters of the store as often as possible. Eat at/from home as often as possible and try to avoid wasting food. Also, we remind ourselves that we are not deprived, but are choosing to live differently from the "Joneses". We are not wealthy by any means, but because we live with minimal debt and have savings we are richer than most of our peers. Nothing beats the satisfaction and peace of mind that comes with having a growing savings account--not even a new car or a fancy new iPad.
Setting up automated savings of 20% of each paycheck for my husband and I both has changed everything. Learning to make saving a priority was earned the hard way, but now the satisfaction and peace of mind we get from knowing we can always pay the bills--even the unexpected ones--has been the greatest reward. We've also taken advantage of selling unneeded items and stocking away the money from every sale (craigslist, etc). Learning to cut back on expenses has been hard, but we try to do without and use a mandatory 30 waiting period before making any purchase over $50 for "wants". Usually, we forget all about it by the end of 30 days. The only other tip I can offer is to eat at/from home as often as possible as inexpensively as possible.
Reading this I was most shocked how someone so young can do something so great. Being a young teen myself I have always wanted to make something amazing but as we all know not all of us can truly get behind the wheel and take off. I wish to wright a book but never the less writers block. It is a inspiration that these people have done an idea they had. Subway, I love that place and to know a teen did it makes it all the better. It was a little disappointing to see no teen woman was on the list but perhaps there will be one soon.
Also, and I could be wrong on this, but personal experience has shown me that dealing with an independent agent that you trust usually leads to the least expensive insurance for your money. That way, they simply find the best deal for you without being financially tied to one specific provider.
Very basic, but it works for us. After we pay off our credit card, the last bill in the month, we put the excess in a money market account for our emergency fund. We have over a6 months cushion saved up.
My best ROI purchase was a Foodsaver, bought at a yard sale for $5. It was an older model then(15 years ago) and the vacuum and sealer were separate machines. I never did use the sealer much, but using the vacuum portion and a few additional tools (mason jar sealers and a container that i could put reused food jars in to seal and then put on the shelf) I've saved boatloads over the years. Sadly, the vacuum recently broke, but I just bought another used one off of Craigslist.
It's amazing how many opportunities this concept has brought to the market. I've never used CoupRecoup and DealsGoRound but I love the fact that when there's a need, there's an entrepreneur that builds a solution. I have friends that have gotten caught up in the moment and purchased more than they are able to use. There are so many group buying sites now that it's almost unmanageable. LocalDealSites.com ( http://www.localdealsites.com/ ) is a new site that lists over 100 Groupon-like daily deal websites and let's you filter by city so you can see which sites have offers in your area. As a deal seeker myself, I love the concept and am glad that it's caught on so quickly.
In all fairness (I'm replying to some of the comments), this article was about financial perks of marriage, and not a political statement or an attempt to make people who aren't married feel bad. Of course, some of the points apply to unmarried couples who live together, and of course, some of them don't apply (and in my opinion, should) to same-sex couples. And maybe the title should have been financial perks of the widely-accepted-in-50-states-heterosexual-marriage. Just don't read too much into it. Ben was just trying to point out some benefits to marriage - and despite sitcoms to the contrary, there ARE some benefits! :)