Awesome animation! This pretty much sums up his latest book, Drive: The Surprising Truth About What Motivates Us. Fascinating read about how we hang on to the completely flawed conventional wisdom of incentive and motivation.
I made a deposit to BofA this past Saturday because I needed the funds in my account for shipping. Then I went to the Post Office to send off packages. I now have 3 $35 overdrafts now. They posted the Post Office debit first because it was biggest, followed by two other transactions (which, by the way) were already financially covered and then the deposit LAST! So all three deposits that easily should have cleared are now overdrafts... I'm VERY poor, so go ahead, tell me like you do the others that I am irresponsible, spending what I don't have or am being careless and that I deserve this... Oh and they have changed the ATM to accept cash w/o an envelope. I tried to deposit cash and many of my bills got rejected. I tried again... rejected again. I went to the next ATM, again bills rejected twice, I went around the building to a 3rd ATM, it rejected the bills once and then told me it would not accept any deposits. I had bills to pay, but I could not get the money into the bank.. (the bank was closed). My account is linked w/my best friend so we can transfer money back and forth as we need to, but we went to the ATM to put money from his account to mine, and when we selected to transfer money to other accounts that we have added, they did not appear. So he couldn't transfer money to my account until we got home and onto a computer.
I am new to the market. I am not sure if I should start with Stocks, Bonds or Mutual Funds. I recently retired and I have everyone giving me advice. I do not trust brokers. I am willing to do it myself. So figured I could get advice. Friend told me about this site http://www.moneyandstocks.com but it looks more like advertising than anything else. Please advise me which way to go.
I had never considered this. If you use 1/4th as much, your container will last 4x longer. I wonder if that works for floor cleaners too.... I'm going to have to go home and try it!
You have a right to a safe workplace, but it sounds like in your situation the cost of fixing the leak may be the the thing that pushes the boss over the edge, so that "right" doesn't do you much good.
The best thing to do is find another job before you leave or lose this one. Easier said than done, especially now. You already know that.
Check with your state department of labor about the rules in your state about quitting your job due to the conditions. In most states you can get unemployment for almost any reason. You wait for your first check the longest if you just leave a job on your own without a compelling reason or are fired for cause. Your first check comes fastest if you are laid off or are out of work because your employer closed shop. You are somewhere in the middle. It almost never comes in the first week or two.
Once you know when and how much unemployment you can receive you can decide if you are better off waiting for that first unemployment check or staying put until you can find something else. Call a couple of times in case the first time you call the person on the other end of the line makes a mistake. It happens. Be prepared to be put on hold. Don't let those things keep you from finding out what you need to know.
I really hope you can get out of this situation and find something better.
I think the tax credit is a wonderful thing, myself being a new home owner. While I was not a fan of the existing kitchen in my new home, when I purchased it, I knew I would use that $8,000 to renovate it to my likings. I unfortunately have made the mistake of starting said renovation, (near completion) assuming my money was on it's way. I filed January 30th, and today May 17th still no refund and the IRS reps can not tell me when it will be finished "processing". They said that there are a lot of fraudulent claims coming in which is slowing down the process for everyone. I'd certainly say that 4 months is slow! Well I'm lucky that my parents are graciously loaning me the money for a lot of the cash expenses, such as the contractor, however the interest building up on my credit cards isn't cute! Hoping the IRS can get things going soon!
if you dont have a tv then you are saving money an dyou probably go outside more. But havin a tv gives you entertainment and watching the news gives you an update on what is happening in your area today. if you diont have time for a tv then you shouldnt have got one in the first place wasting money plus if you are bored with your tv then you need to give it t somebody that wants one instead of breaking it.
if you dont have a tv then you are saving money an dyou probably go outside more. But havin a tv gives you entertainment and watching the news gives you an update on what is happening in your area today. if you diont have time for a tv then you shouldnt have got one in the first place wasting money plus if you are bored with your tv then you need to give it t somebody that wants one instead of breaking it.
Oh, man, I love biscuits and gravy. One of the best meals EVER. I've never tried it myself, though, as I have generally been terrified of attempting gravy. Thanks for this!
nice article . Hi, I am Sonam, housewife from from Bangalore. I am graduated in Science. I can teach English, hindi, Maths, Science upto 10th standard. I am looking for tuition jobs in bangalore .
Thanks
Sonam,
I figure that getting along in the cold is relatively easier than getting along in the heat: no matter how bundled up you are, you can always add another sweater, another pair of socks, another parka, another blanket, another sleeping bag. With the heat, you can take clothes off until you're naked, but that's pretty much it.
And, in fact, you see exactly that in the parts of the earth that are uninhabited. There are places that are empty because they're too hot. There aren't any places that are uninhabited because they're too cold. (There are cold places that are uninhabited, but that's because the days are so short that it's impossible to grow enough food.)
Great post! I totally agree about the pet thing, though I have never had that problem when I have gone to them. And lol @ the correct change customer being like the Tooth Fairy!
Yard sales are not uniquely American, other countries do them, often called garage sales though.
Owning a small business is the dream of many people in our country. These people have their own ideas for a product or service to be provided to public companies or others. And many of these entrepreneurs do a very good job of offering their products or services but do not do a good job of monitoring the financial part of your business. It's too easy to devote all his mental and physical energy to their customers and then do nothing for yourself. You must understand that there is no "mystery" to make your business financial understanding. The same common sense and logic that apply to their daily operations will take you through the steps you need to enter financial information. All that is required is that you learn simple concepts. Maestro, and it will be more comfortable with your company's financial statements.
A credit score is cool. He said nothing about unexpected medical expenses or loss of a job. Supporters credit rating system takes the process is fair for everyone, because neither race, gender or age are taken into account. (For more information on the factors that make your credit score
Yikes. I must be in the minority of cold-blooded types who just can't handle the heat but live blissfully in even extreme cold. I grew up in Orlando, FL and I can't remember a single time in my life when I haven't felt absolutely miserable as soon as the temps topped 60-65 degrees. I used to fight my mother tooth & nail when she'd try to dress me warmly on the few chilly (30's) winter days we had in Orlando, and I'd shed all but a light long-sleeved shirt as soon as I got to school, and feel perfectly comfortable.
Most of my jobs as a young adult have involved working outdoors in the heat...you'd think I'd learn to tolerate it...but for most of my adult life in FL, a high power bill for cooling costs was a way of life. Being a poor college student for a while, I tried everything I could to find a way around it...fans, sleeping naked, even sleeping at night with bags of ice hugged up against my body, but waking up in a puddle wasn't pleasant and it didn't really work that well, as I ended up warm AND damp by morning. Keeping my A/C set at 65 at least overnight, was the only way I could get a decent night's sleep.
Realizing this wasn't likely to change, several years ago I moved to South Dakota, seeking a climate more suitable for my personal preferences. I haven't regretted a thing since, and I'm continually amazed to find my tolerance for the cold is higher than many natives to this state.
From what I've gathered from talking to other people who live here, I spend about 60-70% LESS on my heating bill over the winter than most. I turn off the A/C once nightly temps drop into the 40's, and I keep them open until it gets well below freezing (or until it snows heavily, whichever comes first). My heat doesn't get turned on until the temps drop below 25 degrees (F) and then, I only turn it on high enough to keep my pipes from freezing. This past year, I think the highest I ever set my heat was at 65 degrees, and that was when it got down to -20 degrees F for a few nights.
If you're willing to argue that acclimating oneself to living in the heat without air conditioning is largely a "mental" game, then I'd have to argue that anyone should be able to do the same thing in COLD weather, and learn to live with minimal heat usage even in a cold climate. If I can live comfortably- and happily- in a house when the internal temperature is 50 degrees and I can see my own breath, why can't everybody else??
Yet you & many others are suggesting that A/C is unnecessary and it ought to be easy for everyone to learn how to deal with 85-90 degree interior temperatures in a house. To me, the idea of trying to sleep in a house that's 80 degrees at night (and believe me, I face it every time I visit family in Florida) is just as horrifying as it is for some folks to sleep in MY house when I've got the windows open at night and it's 28 degrees.
Maybe everyone has a different level of tolerance.....maybe it's NOT reasonable to suggest living without A/C for everyone as a way to save money. For some of us, maybe we're in the minority, but the negative toll it would take on our lives (for me it was the effects of prolonged periods without quality sleep, overall irritability, and severe skin irritation from being sweaty all the time)....is NOT worth the monetary savings it would bring. There are other ways to cut costs without sacrificing one's personal comfort to such a degree. JMO.
On average I suppose I write one check per month. Sometimes to my hairdresser other times for insurance. I haven't used checks for other types of bills for years.
A lot of people still get nasty or challenge enumerators even today. The ones that get to me are the ones who try to convince you to come back at a certain time that day or the next day and then they are not there. I have learned to dodge this little system.
I am an enumerator for a mid-size city (0ver 250,000 ppl) with the Census and we don't have computers either. Maybe 10 years from now, that will be different.
This sounds to me like you answered the Census. First was the letter, then came the packet to fill out. They sent this packet out a couple of times this year to the same house in case you had not recieved your first one. I would not be so worried unless you gave out 1) your banking, 2) your social security number. It is common to give the Census your phone number in case they have any further questions.
While the new law tax changes in the health reform legislation and the hiring legislation were the most significant developments in the first quarter of 2010, many other tax developments may affect you, your family, and your livelihood. Check out this page for more info: http://www.myirstaxrelief.com/blog/irs-audits/2010-tax-help/
I write 1 check per month. It used to be 2. The one check is for rent. The other check I used to write went to a credit card. They charged a fee for paying online, and for paying by phone. I am not gonna pay extra money for someone to take my money. After the Credit Card Act was passed in February, I noticed that they now allow free online bill paying and I was so happy. I'm now down to my last batch of checks. This box has lasted me 7 years so far, and I do intend to order another box.
At one point the apartment management company took payments by credit/debit card which was really cool. After about a year, they stopped that. A note was sent to all tenants saying how they would have to charge either $50 extra to take a rent payment or a certain percentage of the total, depending on the card. Apparently Visa & MC were charging them extra fees and they had to recoup some of the money.
Awesome animation! This pretty much sums up his latest book, Drive: The Surprising Truth About What Motivates Us. Fascinating read about how we hang on to the completely flawed conventional wisdom of incentive and motivation.
I made a deposit to BofA this past Saturday because I needed the funds in my account for shipping. Then I went to the Post Office to send off packages. I now have 3 $35 overdrafts now. They posted the Post Office debit first because it was biggest, followed by two other transactions (which, by the way) were already financially covered and then the deposit LAST! So all three deposits that easily should have cleared are now overdrafts... I'm VERY poor, so go ahead, tell me like you do the others that I am irresponsible, spending what I don't have or am being careless and that I deserve this... Oh and they have changed the ATM to accept cash w/o an envelope. I tried to deposit cash and many of my bills got rejected. I tried again... rejected again. I went to the next ATM, again bills rejected twice, I went around the building to a 3rd ATM, it rejected the bills once and then told me it would not accept any deposits. I had bills to pay, but I could not get the money into the bank.. (the bank was closed). My account is linked w/my best friend so we can transfer money back and forth as we need to, but we went to the ATM to put money from his account to mine, and when we selected to transfer money to other accounts that we have added, they did not appear. So he couldn't transfer money to my account until we got home and onto a computer.
I am new to the market. I am not sure if I should start with Stocks, Bonds or Mutual Funds. I recently retired and I have everyone giving me advice. I do not trust brokers. I am willing to do it myself. So figured I could get advice. Friend told me about this site http://www.moneyandstocks.com but it looks more like advertising than anything else. Please advise me which way to go.
I had never considered this. If you use 1/4th as much, your container will last 4x longer. I wonder if that works for floor cleaners too.... I'm going to have to go home and try it!
You have a right to a safe workplace, but it sounds like in your situation the cost of fixing the leak may be the the thing that pushes the boss over the edge, so that "right" doesn't do you much good.
The best thing to do is find another job before you leave or lose this one. Easier said than done, especially now. You already know that.
Check with your state department of labor about the rules in your state about quitting your job due to the conditions. In most states you can get unemployment for almost any reason. You wait for your first check the longest if you just leave a job on your own without a compelling reason or are fired for cause. Your first check comes fastest if you are laid off or are out of work because your employer closed shop. You are somewhere in the middle. It almost never comes in the first week or two.
Once you know when and how much unemployment you can receive you can decide if you are better off waiting for that first unemployment check or staying put until you can find something else. Call a couple of times in case the first time you call the person on the other end of the line makes a mistake. It happens. Be prepared to be put on hold. Don't let those things keep you from finding out what you need to know.
I really hope you can get out of this situation and find something better.
I think the tax credit is a wonderful thing, myself being a new home owner. While I was not a fan of the existing kitchen in my new home, when I purchased it, I knew I would use that $8,000 to renovate it to my likings. I unfortunately have made the mistake of starting said renovation, (near completion) assuming my money was on it's way. I filed January 30th, and today May 17th still no refund and the IRS reps can not tell me when it will be finished "processing". They said that there are a lot of fraudulent claims coming in which is slowing down the process for everyone. I'd certainly say that 4 months is slow! Well I'm lucky that my parents are graciously loaning me the money for a lot of the cash expenses, such as the contractor, however the interest building up on my credit cards isn't cute! Hoping the IRS can get things going soon!
if you dont have a tv then you are saving money an dyou probably go outside more. But havin a tv gives you entertainment and watching the news gives you an update on what is happening in your area today. if you diont have time for a tv then you shouldnt have got one in the first place wasting money plus if you are bored with your tv then you need to give it t somebody that wants one instead of breaking it.
if you dont have a tv then you are saving money an dyou probably go outside more. But havin a tv gives you entertainment and watching the news gives you an update on what is happening in your area today. if you diont have time for a tv then you shouldnt have got one in the first place wasting money plus if you are bored with your tv then you need to give it t somebody that wants one instead of breaking it.
that some bull **** i love tv aint no way in hell i can live without it
Being from the South, a good pan gravy is a must. What's mashed potatoes without gravy???
Oh, man, I love biscuits and gravy. One of the best meals EVER. I've never tried it myself, though, as I have generally been terrified of attempting gravy. Thanks for this!
nice article . Hi, I am Sonam, housewife from from Bangalore. I am graduated in Science. I can teach English, hindi, Maths, Science upto 10th standard. I am looking for tuition jobs in bangalore
.
Thanks
Sonam,
I figure that getting along in the cold is relatively easier than getting along in the heat: no matter how bundled up you are, you can always add another sweater, another pair of socks, another parka, another blanket, another sleeping bag. With the heat, you can take clothes off until you're naked, but that's pretty much it.
And, in fact, you see exactly that in the parts of the earth that are uninhabited. There are places that are empty because they're too hot. There aren't any places that are uninhabited because they're too cold. (There are cold places that are uninhabited, but that's because the days are so short that it's impossible to grow enough food.)
Great post! I totally agree about the pet thing, though I have never had that problem when I have gone to them. And lol @ the correct change customer being like the Tooth Fairy!
Yard sales are not uniquely American, other countries do them, often called garage sales though.
There's more tips here http://www.squidoo.com/50yardsaletips if you are looking at hosting a yard sale.
Owning a small business is the dream of many people in our country. These people have their own ideas for a product or service to be provided to public companies or others. And many of these entrepreneurs do a very good job of offering their products or services but do not do a good job of monitoring the financial part of your business. It's too easy to devote all his mental and physical energy to their customers and then do nothing for yourself. You must understand that there is no "mystery" to make your business financial understanding. The same common sense and logic that apply to their daily operations will take you through the steps you need to enter financial information. All that is required is that you learn simple concepts. Maestro, and it will be more comfortable with your company's financial statements.
A credit score is cool. He said nothing about unexpected medical expenses or loss of a job. Supporters credit rating system takes the process is fair for everyone, because neither race, gender or age are taken into account. (For more information on the factors that make your credit score
Yikes. I must be in the minority of cold-blooded types who just can't handle the heat but live blissfully in even extreme cold. I grew up in Orlando, FL and I can't remember a single time in my life when I haven't felt absolutely miserable as soon as the temps topped 60-65 degrees. I used to fight my mother tooth & nail when she'd try to dress me warmly on the few chilly (30's) winter days we had in Orlando, and I'd shed all but a light long-sleeved shirt as soon as I got to school, and feel perfectly comfortable.
Most of my jobs as a young adult have involved working outdoors in the heat...you'd think I'd learn to tolerate it...but for most of my adult life in FL, a high power bill for cooling costs was a way of life. Being a poor college student for a while, I tried everything I could to find a way around it...fans, sleeping naked, even sleeping at night with bags of ice hugged up against my body, but waking up in a puddle wasn't pleasant and it didn't really work that well, as I ended up warm AND damp by morning. Keeping my A/C set at 65 at least overnight, was the only way I could get a decent night's sleep.
Realizing this wasn't likely to change, several years ago I moved to South Dakota, seeking a climate more suitable for my personal preferences. I haven't regretted a thing since, and I'm continually amazed to find my tolerance for the cold is higher than many natives to this state.
From what I've gathered from talking to other people who live here, I spend about 60-70% LESS on my heating bill over the winter than most. I turn off the A/C once nightly temps drop into the 40's, and I keep them open until it gets well below freezing (or until it snows heavily, whichever comes first). My heat doesn't get turned on until the temps drop below 25 degrees (F) and then, I only turn it on high enough to keep my pipes from freezing. This past year, I think the highest I ever set my heat was at 65 degrees, and that was when it got down to -20 degrees F for a few nights.
If you're willing to argue that acclimating oneself to living in the heat without air conditioning is largely a "mental" game, then I'd have to argue that anyone should be able to do the same thing in COLD weather, and learn to live with minimal heat usage even in a cold climate. If I can live comfortably- and happily- in a house when the internal temperature is 50 degrees and I can see my own breath, why can't everybody else??
Yet you & many others are suggesting that A/C is unnecessary and it ought to be easy for everyone to learn how to deal with 85-90 degree interior temperatures in a house. To me, the idea of trying to sleep in a house that's 80 degrees at night (and believe me, I face it every time I visit family in Florida) is just as horrifying as it is for some folks to sleep in MY house when I've got the windows open at night and it's 28 degrees.
Maybe everyone has a different level of tolerance.....maybe it's NOT reasonable to suggest living without A/C for everyone as a way to save money. For some of us, maybe we're in the minority, but the negative toll it would take on our lives (for me it was the effects of prolonged periods without quality sleep, overall irritability, and severe skin irritation from being sweaty all the time)....is NOT worth the monetary savings it would bring. There are other ways to cut costs without sacrificing one's personal comfort to such a degree. JMO.
On average I suppose I write one check per month. Sometimes to my hairdresser other times for insurance. I haven't used checks for other types of bills for years.
A lot of people still get nasty or challenge enumerators even today. The ones that get to me are the ones who try to convince you to come back at a certain time that day or the next day and then they are not there. I have learned to dodge this little system.
I am an enumerator for a mid-size city (0ver 250,000 ppl) with the Census and we don't have computers either. Maybe 10 years from now, that will be different.
This sounds to me like you answered the Census. First was the letter, then came the packet to fill out. They sent this packet out a couple of times this year to the same house in case you had not recieved your first one. I would not be so worried unless you gave out 1) your banking, 2) your social security number. It is common to give the Census your phone number in case they have any further questions.
Thick rubber bands can be used as temporary labels by wrapping them around your object---like a jar---and writing the contents with permamarker.
j
Just put a good spoonful in. The exact quantity doesn't really matter. It grows; whatever you put in will double in size in no time at all.
While the new law tax changes in the health reform legislation and the hiring legislation were the most significant developments in the first quarter of 2010, many other tax developments may affect you, your family, and your livelihood. Check out this page for more info: http://www.myirstaxrelief.com/blog/irs-audits/2010-tax-help/
I write 1 check per month. It used to be 2. The one check is for rent. The other check I used to write went to a credit card. They charged a fee for paying online, and for paying by phone. I am not gonna pay extra money for someone to take my money. After the Credit Card Act was passed in February, I noticed that they now allow free online bill paying and I was so happy. I'm now down to my last batch of checks. This box has lasted me 7 years so far, and I do intend to order another box.
At one point the apartment management company took payments by credit/debit card which was really cool. After about a year, they stopped that. A note was sent to all tenants saying how they would have to charge either $50 extra to take a rent payment or a certain percentage of the total, depending on the card. Apparently Visa & MC were charging them extra fees and they had to recoup some of the money.