Recent comments

  • Feeling Stuck? 100 Ways to Change Your Life   16 years 9 weeks ago

    good realy i like it

  • 10 Awesome Companies Built by Teens   16 years 9 weeks ago

    Jason O'Neill - how has anyone made a fortune out of that idea? Congrats to him because I imagine you have to sell a massive amount of toppers to make any money in that game!

  • Live Abroad for Less (Also at Home)   16 years 9 weeks ago

    Agree with this article for the most part but as someone who has lived in Portugal and Spain (I'm a UK national) for a number of years the single most important thing you need to do is to ingratiate yourself into the local culture. You will soon be able to shop and find bargains where the locals do and also avoid the toursist traps (even the ones that don't look touristy at first glance) This alone will save you a fortune on your day to day living expenses.

  • Reduce Your Credit Limits to Manage Your Spending   16 years 9 weeks ago

    Credit card is as good as plastic money. A majority of world's population is caught into grips of its temptation. The only way one can lower its credit card debt is by limiting use of it. Try not to use credit card on every purchases you make and have only one or maximum two credit cards. The more you own, sure are the chances of increasing your debt.

  • Three Products That Rock My World   16 years 9 weeks ago

    I love all of the comments.

    Like the Chico bag, I have some of the envirosaxx and they come in a variety of colors and designs. The envirosaxx bags fold-up and can be carried in your purse. Envirosaxx are a bit expensive, but they work. You can get the same bag at Bath and Body Works right now for $2.50 ina variety of colors...strong enough to carry 2- six packs of beer.

    Goo Gone - By far one of the best products ever made.

    Magic Eraser - anohter great product.

    Pizza Stones - I live in a very small apartment that does not have much storeage space in the kitchen. I use my pizza stone for cooking pizza, nachos, cookies, rolls, etc. It works well and is easy to clean.

  • Read Your Financial Statements Like a Banker   16 years 9 weeks ago

    These are key ratios for business owners. Unfortunately, all most business owners care about is cash in the bank. Not saying this isn't important, but these ratios will just allow you to understand you business better.

  • Remove Car Dents Quickly and Cheaply   16 years 9 weeks ago

    Its would only work on metal car and trucks not fiber glass.

  • 7 Ways My Clunker Is Smarter Than a Hybrid   16 years 9 weeks ago

    We buy cars and keep them forever. For us it is a cheap way to have a car. A few details: I do ALL of my own work so repairs cost me parts only. I have a good selection of tools so I seldom need to buy tools anymore. Secondly, we've worked very hard to learn to just be satisfied with what we already have. We've watched people around us race from one fad to the next one. People around us discarded perfectly good CRT TVs for flatscreens. We'll watch our's until it is "dead". Don't care if we only have a 24" TV. We've watched friends discard gadgets and computers that had alot of life left in them because the next "cool" thing came along. We've watched people around us who got bored with their cars and traded up when they couldn't really afford it. $400+ dollars goes a long way in our budget so we avoid payments.

    We drive a '99 CR-V with 197K miles. It has been very, very good and even sports the original clutch. Our other car is a '97 VW Cabrio. It has needed much more attention but generally little stuff that I can do myself. While the Honda looks good still the Cabrio has some rough edges. It will be a challenge to keep both looking good in their old ages. We're discussing replacing the Cabrio with something newer in the next year or two so the Cabrio can be sold with some miles and thus some value in it. I still like it though. Will buy a wagon type vehicle such as a Volvo, Jetta TDI wagon, or BMW. Would buy domestic but the domestics don't offer wagons. They offer sedans, trucks and SUVs. I hear Buick is going to sell the Opel Insiginia wagon here as a Buick Regal (YAY!) but it will be far outside of our budget of about $15K for a lightly used vehicle.

    We also have a 200K mile aircooled '78 VW camper and a 125K mile '65 Beetle. Both work well for fall back vehicles - i.e. vehicles to drive when our commuter vehicles are down for a repair. Would not want to drive them daily. The Westfalia van gets maybe 18-20 mpg. The Beetle gets maybe 25 mpg. Both lack proper rustproofing and thus would age quickly in daily use again. They are not as safe as a modern vehicle but I don't buy into the idea that I need to drive a tank with racing harnesses and 39 airbags to be safe. I have to be alert just like when I ride a motorcycle.

    What I'd like to add is that you need to make quality repairs with quality parts with a quality mechanic (or yourself where you make it right). Aftermarket parts have qualities that ranges from mediocre to very good. I used to sell aftermarket car parts at a FLAPS. Some of those rebuilt parts virtually promised that the vehicle owner would have to make the same repairs annually. An example would be a radiator for my CR-V. The original radiator lasted about 140K miles and sprung a leak. I tried to have the old radiator repaired. $25. No dice. Purchased an aftermarket radiator for $125. It lasted 13 months. Sprang a leak. Spent a few dollars trying to seal it up. Also failed. Both radiators leaked between the end tank and the core along a crimped plastic/aluminum seam. Bought another replacement radiator and if this radiator fails then I could have purchased an OEM radiator across the counter at the dealer. They know me there now for little things I buy from time to time and often offer me little discounts and conveniences like preordering parts without prepaying. Yes the sales staff are typical - looking for an easy sale but the parts guys are down to earth and helpful. I also have foudn the OEM guys sell me front brake pads for less than the aftermarket "better" pads. These pads are quiet, don't cover the wheels with brake dust, and last ~85,000 mles. The recent $25 aftermarket set I bought promises to wear out at half that 85K figure, blackens the wheels in 3 days, and are noisy all the time. False economy. I have had the same experience with tires. Cheap tires deliver me vibrations and noise and short lifespans. In the long run the better tires have been more satisfying to own and drive. Hope someone finds my rambles useful.

  • Front-loaded loans: a financial conspiracy?   16 years 9 weeks ago

    Not only were the banks in bad shape in the great depression President Franklin Delano Rossevelt pledged the Americans of the United Stated Birth Certificates to open up accounts in the federal Reserve in your name so every time u sign a contract in the
    United States with any lender the name that u sign on that contract such as(mortgage)Is sent to the federal reserve for collection by the lender being the creditor and u the debtor they've already been paid for that mortgage within a short period of time.that money that they get for your house that u signed for is YOUR MONEY TO BEGIN WITH the government has and the people that play a part in it have been fooling us for a long time STOP BEING FOOLED YOUR PAYING BACK YOUR OWN MONEY

  • How Long Can You Stay in Your Home After You Stop Paying the Mortgage?   16 years 9 weeks ago

    I have a question. I have a family member who bought a home and since then has become disabled. Can he be legally kicked out of his home? He is struggling finiancially. What is the best advice you have for him?

  • Quickly Remove Scratches From CDs and DVDs   16 years 9 weeks ago

    to the comment above its (red-pinkish colored) and its 2 ps2 games starwar battlefront 2 it freezez during loading ( starwars battlefront2) and the other one is ( hot wheels stunt track challange) it freezez during loading when i start it and it freezez on the last loading part with a lot of writing on that screen pls tell me if their is a way to use water and ( red-pinkish colored)

  • Quickly Remove Scratches From CDs and DVDs   16 years 9 weeks ago

    i dont trust any of those methods and dont want to go to the game store and get it fixed is there a way to use water and sope (purple colored soap).

  • How to Make Moonshine   16 years 9 weeks ago

    On a quest for knowledge

    OK, let me run this past you Zorcy. If I understand you correctly.....

    Assuming I start the distill with 5 or 6 gallons of wash:

    Once I get to the good stuff at about 173 or 174, keep it till it starts smelling/tasting a little off. In real life it seemed to be 3/4 to 1 gallon of good stuff.

    As it starts to smell/taste a little off, and the temp begins to rise, STOP the RUN.

    Use the remaining ingredients in the pot as a start for the next batch of mash.

    Assuming that I understand correctly, I probably have 3 ½ to 4 ½ gallons of stuff left in the pot. How much of that do I use towards my next 5 or 6 gallons , along with the yeast and new sugar wash ?

    I really appreciate the help. I think my questions will help others.

    Thanks.

  • How to Make Moonshine   16 years 9 weeks ago

    Thanks, Zorcy. The pages I read were mainly saying how caffeine could be distilled in a suspension of chloroform. Not exactly what I had in mind! I was aiming at making some sort of caffeine vodka rather than a liqueur: the local gurriers and gougers drink of choice around here seems to have shifted from beer to industrial-tasting cheap vodka mixed with Red Bull; a combination of alcohol and caffeine that's guaranteed to keep them awake and aggressive at the same time! just wondering if I could come up with something a bit more palatable. I'll see how it goes anyway.
    Skinner......."Bardy grease"??? Talking to a few old guys round here. VARDY grease is the local term here. You mean the green slick you get from un-cleaned copper pipes? yeah, that filters out fine with charcoal. I always assumed it was just the local way of saying "verdigris" myself.

  • Ask the Readers: How Do You Eat Healthy on a Budget? (Chance to win $25!)   16 years 9 weeks ago

    In addition to cooking everything from scratch, even making pizza dough from flour, buying and eating LESS really saves you a lot. This way you can loose weight as well (if one needs to that is). We eat lots of veggies, and I've discovered that adding a rice or another grain dish will stretch the meal farther. Eggs are also an inexpensive meal option, and they're not just for breakfast. Also, I grow lots of herbs and use regularly what the garden provides.

  • Why Roth IRAs Are Ideal for Young Professionals   16 years 9 weeks ago

    You hit the nail on the head. That's the number one benefit of a Roth IRA for young people.

  • How to Make Moonshine   16 years 9 weeks ago

    1. At what % do you stop the process ? You should have stopped when the smell and taste changed. Save the rest for the next batch to ferment in/
    PUT IT BACK IN THE BUCKET WITH THE FRESH SUGAR WATER AND YEAST BATCH ? Yes

    3. From the time the percentage dropped below 85%.....is that the "TAILS" ? To go into the next batch for 'reprocessing? Yes

    IF IT IS 85%, WHY NOT KEEP GOING TO SAY 30%? IT WAS ONLY 14% TO 20% TO START WITH. WHY NOT SAvE TAILS DOWN A LOT FURTHER? The more you try to squeeze it out, the more junk will get in. You will find that the more pure it is, the less hangover you have. The taste will be better too. If you are going to make more later, just reuse it and keep quality.

  • How to Make Moonshine   16 years 9 weeks ago

    Follow up requested

    10 MAY. 2010 | 9:57 AM ZORCY
    Hi There

    1. At what % do you stop the process ? You should have stopped when the smell and taste changed. Save the rest for the next batch to ferment in/
    PUT IT BACK IN THE BUCKET WITH THE FRESH SUGAR WATER AND YEAST BATCH ?

    3. From the time the percentage dropped below 85%.....is that the "TAILS" ? To go into the next batch for 'reprocessing? Yes

    IF IT IS 85%, WHY NOT KEEP GOING TO SAY 30%? IT WAS ONLY 14% TO 20% TO START WITH. WHY NOT SAvE TAILS DOWN A LOT FURTHER?

  • Best Money Tips: Mexican Meals Under $2   16 years 9 weeks ago

    Chili looks revolting?

  • 30 Easy Ways to Go Green in the Office   16 years 9 weeks ago

    You and your office mate will never look at plants in the same way ..gift a TickleMe Plant
    The TickleMe Plant is now easy to grow indoors. The leaves suddenly fold up and the branches droop when you tickle It!
    1. No batteries required
    2. Packaged in the USA
    3. Guaranteed to Grow and move when you Tickle It!
    It may even teach your child to be more sensitive to plants and nature. You can just search the net or go to
    http://www.ticklemeplant.com

  • How to Make Moonshine   16 years 9 weeks ago

    Hi There

    1. At what % do you stop the process ? You should have stopped when the smell and taste changed. Save the rest for the next batch to ferment in/
    2. Should I have increased the water flow to keep the temp at 174, until I got only water? Once you have it set to a fast and strong output, stay there. You can maintain better this way.
    3. From the time the percentage dropped below 85%.....is that the "TAILS" ? To go into the next batch for 'reprocessing? Yes
    4. Will that taste and oder be removed in the next batch? If you distill again, and stop at the right temp, it will go away.
    5. If I was not supposed to increae the water flow as the temps climbed from 174 to 190, should I have let it run it course all the way to water only, and reprocessed that product? You should have stopped collected it for a short time in another container. Put that back in to ferment too.
    6. Should I have cleaned the wine better? Sounds fine. If you do not get off taste and smells, then the wine is clear enough. The heads and tales do not count on the clarity. But I think you did fine on that.

  • Lower Your Credit Card Interest Rate and Reduce Your Phone Bill, Immediately and Easily   16 years 9 weeks ago

    Great article. I actually looked over my cell phone bill for months before I realized that I had both the wrong plan as well as the wrong carrier – AT&T was only interested in keeping my stuck in my contract. I finally gave in and broke my contract and started shopping around for a phone that suited someone who wasn’t a big talker, but needed something dependable. I decided on Net10 prepaid and its been a dream so far. Without a contract, I have the flexibilty to change phones and plans based on use and price and not be locked in. The calling network is pretty dependable and while the selection of phones isn’t the best, it is better priced than any I’ve found. The best thing about Net10 though is the incredible savings – more than $70 a month over my $110. Not to mention 300 minutes at activation and being able to purchase Net10 at Walmart or Target so its so easy to find. Net10 rocks!

  • Grocery Shopping for the Cheap and Lazy   16 years 9 weeks ago

    Wheat may not be new, but the refining process we see in our bread/pasta today most certainly is. Most of those types of products are so refined that nutritionally they are almost unrecognizable from what your great-grandmother ate.

    I question your choices from a nutritional angle. It seems that many of your recommendations are along the lines of refined carbs, simple starches, and little protein. PB&J, pancakes, repeated pasta, baguettes, your previous fast food, etc, can have a major impact on people's body composition over time. If you haven't been personally affected yet by the way you've been eating, consider yourself lucky. There's usually more to it than cheap and easy.

  • 7 Ways My Clunker Is Smarter Than a Hybrid   16 years 9 weeks ago

    An economy is money flow. At any point that we may have gas lines like in the 70's, it will affect each and every person in some way. I think that in time the transportation technologies AND prices will become cheaper and better. All TECH takes time.

  • Frugal Gluten-Free Living: Delicious Homemade Gluten-Free Bread   16 years 9 weeks ago

    Just starting to GF. Made the bread which taste really good, but mine didn't raise right when I made it. Any suggestions? Been making wheat bread for 40 years, but could use some help with this. Thank you. CharlieAnn