I'm curious how many people who are having this problem are connecting through wireless. I had horribly slow connection speeds on my 802.11g network. Eventually I discovered that Vista has a feature that turns your wireless connection off to save power enabled by default. I flipped the switch on it in my network settings and everything immediately sped up.
yes, this is for entertainment purposes. It is NOT a way to earn any amount of money; it's a scam in that respect.
The woman who earned #200 probably is in on the scam.
Another super easy way to build cardiovascular fitness, metabolism, and burn fat is "Tabata".
It's named after the Japanese research who did the study. Details on it are a bit fuzzy in my mind but I remember the basics. He had two groups. The first did 60 minutes of steady state cardio 5x a week for 6 weeks. The second group did a full-body exercise 20 second as fast as they could then rested 10 seconds, then did it 20 seconds again, rested 10, etc, for 4 minutes. He measured body fat, RMR (resting metabolic rate), and V02 max (a measure of fitness) before and after. I guess you can see where I'm going here, the 4 min/day group lost more body fat, had higher metabolism, and a higher level of fitness! This study is often quoted by HIIT proponents but I think it should be noted that you don't have to sprint or anything like that to replicate what was done in the study.
Here is what I do (and coach my wife into doing). Get two dumbells (or anything heavy and equal weight) in each hand. She uses 5lb dumbells, I use 20s. The movement is a "thruster" which is a lot like the olympic lift clean and jerk, but just the jerk. You put the weights at your shoulders, squat down deep and push your arms up as you come up. Do this as fast as you can 20 seconds, rest 10. Repeat 8 times and you will be sweating profusely and your arms/legs burning. Easy and takes 4 minutes a day and proven to be more effective than 60 minutes of slow/boring cardio!
... was the best thing that I ever did; it launched a 7 year journey from being $30k in debt to $7 million in the bank. I got to learn about starting businesses, investing in all sort of things (stocks, real-estate, etc, etc.), move countries and - now - retire before 50.
You're so right ... you need to change the INPUT to get a different OUTPUT. Thanks! AJC.
Thanks, I'll try this! I'm also having trouble with Vista's internet not working after auto updates. Everything is connected correctly, but I guess this is a common issue (according to the tech person I spoke with). Hopefully Vista will continue to improve!
Until we get teleportation technology to save our trees, I'm gonna stick with DIY, recycled/reuseable packaging, or anything I find at Costco dumpsters.
It seems a lot of people are only reading what they want to read (I'll admit I read the header wrong at first too, until I thoroughly examined the article), but Xin is not advocating that you jeopardize your life by directly driving behind a semi. Sure automotive accidents may happen from trucks, but there's an even greater number of risks from driving alongside drunks, street racers, sleep-deprived/cellphone engaged people.
Take from this article and some of the comments what you will. I live around the Los Angeles area wherein people are always in a hurry and thus our glorious traffic jams. I've noticed on occasion on highways, the left-most lanes will be dramatically slow but the entry/Truck lane is constantly moving. Ironic how those lanes are supposed to be for faster moving traffic. We all want to be in constant moving traffic as opposed to stop-n-go traffic, but remember as everyone before me has mentioned, keep a safe distance while driving.
My husband and I recently discussed the struggle his parents went through during 91'. This downturn resulted in their family moving from Oregon to Nebraska for employment and really survival. They had folks doing everything they could do to help, from offering use of a home for free through the winter (in return they were to paint the house in the summer which they did).
Today, the middle states have consistent growth with jobs available to those who want to work. Also, the cost of living is more affordable so that even in a "financial bind" it is more possible to survive on one income. I have seen a tremendous migration from the west and from the rust belt to consistent growth/high growth areas in the plains states and Wyoming/Montana regions.
We may continue to see relocation as a viable choice for those stuck in a lay-off situation. Fortunately, when you see a slow-down or recession regionally/or state-wide, it does not necessarily mean you may not be able to do better elsewhere.
All your husband can do is move on, find another jobs, start a business, find two part time jobs, etc. The housing industry is not likely to turn around for years and the coming inflation will drive up interest rates which will slow commercial construction to a standstill.
I have friends that are mortgage brokers and they have decided to stick it out. But, they are on the edge of bankruptcy and will be operating that way for years. I wouldn't stick it out. I say, move on to another market that is growing, like wind power or healthcare.
Another idea is to ask your employer to hire you back at half the pay. Then use the income to help pay the bills until you can find another job.
Please, DO NOT follow so closely behind a big rig that you're 'drafting' to save gas. My husband is a professional truck driver and still has nightmares about the wife and small child who were decapitated by a truck tire blow-out. The tire blew, came off the truck, and the driver of the car following way too close behind the truck has to live with the fact that his stupidity cost the lives of his wife and child.
Being beside a big rig is also extremely foolish, to put it mildly. There are much larger blind spots for a truck than for cars, and when you're beside one, chances are you're in a blind spot without knowing it.
I prefer to follow a truck myself, because I'm behind a professional driver - but I always stay at least five slowly-counted seconds behind. I watch to be sure I can see the driver's face in his/her mirror, and I also keep an eye on the truck's signals.
Truckers do bring at least 70% of everything we need to our markets and shops - please give them lots of room and not ulcers by following too close!
I actually got another credit card to get myself out of credit card debt. What? Yeah, that's right, here is the story....
I've had credit cards since I was 18, I put myself through college with minimal parental financial help, and have never paid a bill late in my life. After college, where I graduated with a small student loan, ZERO credit card debt and a marketing and economics degree, I was frustrated with how difficult it was to find a decent paying entry-level job. After switching jobs a few times and ending up in a commission only sales position that I also hated where I didn't make a cent, I decided I'd take some "me" time to figure out what I wanted to do with my life. That "me" time added to the no-paycheck time added up to about 5 months, and I paid all my immediate bills during that time using my savings, and charged the rest. Not exactly responsible I admit, but definitely necessary for my happiness and well being.
All of a sudden, I had a credit card balance of nearly $9,000 and no savings left. A car accident and kidney infection happened during that time when I had car insurance but no medial insurance and both were expensive, so those unexpected costs definitely added to that large balance. I finally found a decent paying job I enjoyed and made a commitment to pay off the credit card. I used my checking account and debit card for all my expenses each month and would make large payments toward that balance each paycheck only to run out of cash at the end of the pay cycle and have to use my card again in the meantime. I'm not one for tracking every little cent and definitely like to have fun and enjoy life, but always within my means. I knew I wasn't necessarily spending more than I was making, so it wasn't making sense that my credit card would get paid down then I'd have to charge more on it, or use what little I'd been able to save to make it until the next payday. My credit card balance wasn't going down, my savings were not going up. I'd never lived paycheck to paycheck, so this was uncomfortable for me and obviously not working.
That's when I decided to get a Bank of America Alaska Airlines Visa. I put every possible expense on it that I can, and have any possible bill paid on auto-pay. Each paycheck, I take the amount deposited into my checking account and subtract the amounts of my fixed expenses that are coming up for that 2-week period. This includes $50/paycheck transfer into a savings account that's grown into a comfortable emergency fund. After I get the amount I need to keep in my checking account to pay the bills for that 2-week period, I pay off the BofA VISA credit card balance in full and subtract that from my checking balance. EVERY penny that's left after all my bills and card are paid goes to paying down my credit card balance, which I have managed to pay down to a little under $2,000 in less than a year using this method.
My checking account is at zero by the end of the pay period, which might sound scary, but if something unexpected comes up where I do need cash, I transfer that into checking from my savings account and no big deal, I'm covered. When I pay off my credit card balance, I'm definitely going to continue managing my finances this way, and that leftover money will go into savings and I'm going to increase the amounts going toward my retirement.
I'm glad to read there are others out there who understand how to leverage their credit this way to get rewarded for things they pay for anyway. I have a 775 credit score at this time and I've finally figured out a way that works for me to pay down debt and save. I also love to travel and vacation, so the miles I get are provide huge savings for me and allow me opportunities to travel I would not have otherwise. In the past 2 years, I have flown to Vegas three times for free, and taken myself and my boyfriend to Mexico and Hawaii on a companion fare for very cheap with the miles and rewards I've earned, all without the over-spending like one person posted I needed to do to gain any benefit. The rewards just add up with regular spending like on gas and grocery bills.
Another person posted that we are all victim to the FICO and we don't need credit, even to buy a home. I work in the mortgage industry and we've turned people away for home loans for not having any established credit, even if they've paid cash for everything their entire lives and have no debt. That's awesome that someone can pay cash for everything, but if you choose to live and work in this society that ties you very close to your credit rating, I'd rather conform than suffer the financial consequences. You COULD find someone to manually underwrite a home loan with no credit, but it's going to take you a long time to find someone to do that and you will likely not be offered the most competitive lending rates.
Also, I see people's credit reports all day long and a lot of times it's ruined by medical bills. I was essentially unemployed for 5-months and had to deal with the non-insured medical bills from a painful kidney infection, and could have ruined my credit with any unpaid bills that were sent to collections, but because I charged them, my credit rating is gold and I'm paying them off at 0%.
This was long I know, but I hope my info helped at least one person understand how they can use this method to work toward getting themselves out of debt like me. :)
Very timely post indeed. I've been anxiously awaiting the big snow melt in the city, since I don't like running in the ice & snow. The snow is finally all gone, and I've been getting out walking & running more. I'm trying to get out at least once a week, in combination with some other exercise another time a week.
One site I use is www.mapmyrun.com, as that helps me, you guessed it, map my run. I don't always follow the same route every time, as I like exploring my neighbourhood, but I like to know how far I've run. It's especially helpful if I'm walking around as well.
While I don't necessarily need the "goal" of training for a 5k run or anything, I just like the fact that I get out of the house, and enjoy the nice weather and sunshine. I use my runs as a stress reliever, so going for a quick jog after work is very helpful to me.
Kudos to all of us for getting off our duffs and moving again.
A great list of all the great ice cream freebies out there! I love it and am sharing it the link to your post with my readers at Freebies 4 Mom. Thank you!
um..where do I recommend that you follow at an unsafe distance? I also said it is extremely dangerous to follow too closely and you could get pulled over. It's funny that you felt you had to post your comment three times and show that you never read the entire article.
if you always do what you've always done you'll always get what you've always gotten! Perfect post.
I'm curious how many people who are having this problem are connecting through wireless. I had horribly slow connection speeds on my 802.11g network. Eventually I discovered that Vista has a feature that turns your wireless connection off to save power enabled by default. I flipped the switch on it in my network settings and everything immediately sped up.
yes, this is for entertainment purposes. It is NOT a way to earn any amount of money; it's a scam in that respect.
The woman who earned #200 probably is in on the scam.
Very good tips.
Another super easy way to build cardiovascular fitness, metabolism, and burn fat is "Tabata".
It's named after the Japanese research who did the study. Details on it are a bit fuzzy in my mind but I remember the basics. He had two groups. The first did 60 minutes of steady state cardio 5x a week for 6 weeks. The second group did a full-body exercise 20 second as fast as they could then rested 10 seconds, then did it 20 seconds again, rested 10, etc, for 4 minutes. He measured body fat, RMR (resting metabolic rate), and V02 max (a measure of fitness) before and after. I guess you can see where I'm going here, the 4 min/day group lost more body fat, had higher metabolism, and a higher level of fitness! This study is often quoted by HIIT proponents but I think it should be noted that you don't have to sprint or anything like that to replicate what was done in the study.
Here is what I do (and coach my wife into doing). Get two dumbells (or anything heavy and equal weight) in each hand. She uses 5lb dumbells, I use 20s. The movement is a "thruster" which is a lot like the olympic lift clean and jerk, but just the jerk. You put the weights at your shoulders, squat down deep and push your arms up as you come up. Do this as fast as you can 20 seconds, rest 10. Repeat 8 times and you will be sweating profusely and your arms/legs burning. Easy and takes 4 minutes a day and proven to be more effective than 60 minutes of slow/boring cardio!
Long comment, my apologies.
-Josh
... was the best thing that I ever did; it launched a 7 year journey from being $30k in debt to $7 million in the bank. I got to learn about starting businesses, investing in all sort of things (stocks, real-estate, etc, etc.), move countries and - now - retire before 50.
You're so right ... you need to change the INPUT to get a different OUTPUT. Thanks! AJC.
Thanks, I'll try this! I'm also having trouble with Vista's internet not working after auto updates. Everything is connected correctly, but I guess this is a common issue (according to the tech person I spoke with). Hopefully Vista will continue to improve!
My husband is so excited. Thanks, Linsey.
Until we get teleportation technology to save our trees, I'm gonna stick with DIY, recycled/reuseable packaging, or anything I find at Costco dumpsters.
It seems a lot of people are only reading what they want to read (I'll admit I read the header wrong at first too, until I thoroughly examined the article), but Xin is not advocating that you jeopardize your life by directly driving behind a semi. Sure automotive accidents may happen from trucks, but there's an even greater number of risks from driving alongside drunks, street racers, sleep-deprived/cellphone engaged people.
Take from this article and some of the comments what you will. I live around the Los Angeles area wherein people are always in a hurry and thus our glorious traffic jams. I've noticed on occasion on highways, the left-most lanes will be dramatically slow but the entry/Truck lane is constantly moving. Ironic how those lanes are supposed to be for faster moving traffic. We all want to be in constant moving traffic as opposed to stop-n-go traffic, but remember as everyone before me has mentioned, keep a safe distance while driving.
"without further ADO" (after Shakespeare)?....
Linsey Knerl
My husband and I recently discussed the struggle his parents went through during 91'. This downturn resulted in their family moving from Oregon to Nebraska for employment and really survival. They had folks doing everything they could do to help, from offering use of a home for free through the winter (in return they were to paint the house in the summer which they did).
Today, the middle states have consistent growth with jobs available to those who want to work. Also, the cost of living is more affordable so that even in a "financial bind" it is more possible to survive on one income. I have seen a tremendous migration from the west and from the rust belt to consistent growth/high growth areas in the plains states and Wyoming/Montana regions.
We may continue to see relocation as a viable choice for those stuck in a lay-off situation. Fortunately, when you see a slow-down or recession regionally/or state-wide, it does not necessarily mean you may not be able to do better elsewhere.
Thanks! That totally sped things up!
EXACTLY !!!
One of the hardest things I ever had to do was teach myself to live in the "now" instead of waiting for tomorrow. Great post! :)
was the last day. Hope you all got in!
Linsey
RubiaLala -
All your husband can do is move on, find another jobs, start a business, find two part time jobs, etc. The housing industry is not likely to turn around for years and the coming inflation will drive up interest rates which will slow commercial construction to a standstill.
I have friends that are mortgage brokers and they have decided to stick it out. But, they are on the edge of bankruptcy and will be operating that way for years. I wouldn't stick it out. I say, move on to another market that is growing, like wind power or healthcare.
Another idea is to ask your employer to hire you back at half the pay. Then use the income to help pay the bills until you can find another job.
Your link to E-Myth is broken.
Please, DO NOT follow so closely behind a big rig that you're 'drafting' to save gas. My husband is a professional truck driver and still has nightmares about the wife and small child who were decapitated by a truck tire blow-out. The tire blew, came off the truck, and the driver of the car following way too close behind the truck has to live with the fact that his stupidity cost the lives of his wife and child.
Being beside a big rig is also extremely foolish, to put it mildly. There are much larger blind spots for a truck than for cars, and when you're beside one, chances are you're in a blind spot without knowing it.
I prefer to follow a truck myself, because I'm behind a professional driver - but I always stay at least five slowly-counted seconds behind. I watch to be sure I can see the driver's face in his/her mirror, and I also keep an eye on the truck's signals.
Truckers do bring at least 70% of everything we need to our markets and shops - please give them lots of room and not ulcers by following too close!
I just went to the site, and there's no mention of the $25 incentive. Do you know if the offer is still available?
I just went to the site, and there's no mention of the $25 incentive. Do you know if the offer is still available?
I actually got another credit card to get myself out of credit card debt. What? Yeah, that's right, here is the story....
I've had credit cards since I was 18, I put myself through college with minimal parental financial help, and have never paid a bill late in my life. After college, where I graduated with a small student loan, ZERO credit card debt and a marketing and economics degree, I was frustrated with how difficult it was to find a decent paying entry-level job. After switching jobs a few times and ending up in a commission only sales position that I also hated where I didn't make a cent, I decided I'd take some "me" time to figure out what I wanted to do with my life. That "me" time added to the no-paycheck time added up to about 5 months, and I paid all my immediate bills during that time using my savings, and charged the rest. Not exactly responsible I admit, but definitely necessary for my happiness and well being.
All of a sudden, I had a credit card balance of nearly $9,000 and no savings left. A car accident and kidney infection happened during that time when I had car insurance but no medial insurance and both were expensive, so those unexpected costs definitely added to that large balance. I finally found a decent paying job I enjoyed and made a commitment to pay off the credit card. I used my checking account and debit card for all my expenses each month and would make large payments toward that balance each paycheck only to run out of cash at the end of the pay cycle and have to use my card again in the meantime. I'm not one for tracking every little cent and definitely like to have fun and enjoy life, but always within my means. I knew I wasn't necessarily spending more than I was making, so it wasn't making sense that my credit card would get paid down then I'd have to charge more on it, or use what little I'd been able to save to make it until the next payday. My credit card balance wasn't going down, my savings were not going up. I'd never lived paycheck to paycheck, so this was uncomfortable for me and obviously not working.
That's when I decided to get a Bank of America Alaska Airlines Visa. I put every possible expense on it that I can, and have any possible bill paid on auto-pay. Each paycheck, I take the amount deposited into my checking account and subtract the amounts of my fixed expenses that are coming up for that 2-week period. This includes $50/paycheck transfer into a savings account that's grown into a comfortable emergency fund. After I get the amount I need to keep in my checking account to pay the bills for that 2-week period, I pay off the BofA VISA credit card balance in full and subtract that from my checking balance. EVERY penny that's left after all my bills and card are paid goes to paying down my credit card balance, which I have managed to pay down to a little under $2,000 in less than a year using this method.
My checking account is at zero by the end of the pay period, which might sound scary, but if something unexpected comes up where I do need cash, I transfer that into checking from my savings account and no big deal, I'm covered. When I pay off my credit card balance, I'm definitely going to continue managing my finances this way, and that leftover money will go into savings and I'm going to increase the amounts going toward my retirement.
I'm glad to read there are others out there who understand how to leverage their credit this way to get rewarded for things they pay for anyway. I have a 775 credit score at this time and I've finally figured out a way that works for me to pay down debt and save. I also love to travel and vacation, so the miles I get are provide huge savings for me and allow me opportunities to travel I would not have otherwise. In the past 2 years, I have flown to Vegas three times for free, and taken myself and my boyfriend to Mexico and Hawaii on a companion fare for very cheap with the miles and rewards I've earned, all without the over-spending like one person posted I needed to do to gain any benefit. The rewards just add up with regular spending like on gas and grocery bills.
Another person posted that we are all victim to the FICO and we don't need credit, even to buy a home. I work in the mortgage industry and we've turned people away for home loans for not having any established credit, even if they've paid cash for everything their entire lives and have no debt. That's awesome that someone can pay cash for everything, but if you choose to live and work in this society that ties you very close to your credit rating, I'd rather conform than suffer the financial consequences. You COULD find someone to manually underwrite a home loan with no credit, but it's going to take you a long time to find someone to do that and you will likely not be offered the most competitive lending rates.
Also, I see people's credit reports all day long and a lot of times it's ruined by medical bills. I was essentially unemployed for 5-months and had to deal with the non-insured medical bills from a painful kidney infection, and could have ruined my credit with any unpaid bills that were sent to collections, but because I charged them, my credit rating is gold and I'm paying them off at 0%.
This was long I know, but I hope my info helped at least one person understand how they can use this method to work toward getting themselves out of debt like me. :)
Very timely post indeed. I've been anxiously awaiting the big snow melt in the city, since I don't like running in the ice & snow. The snow is finally all gone, and I've been getting out walking & running more. I'm trying to get out at least once a week, in combination with some other exercise another time a week.
One site I use is www.mapmyrun.com, as that helps me, you guessed it, map my run. I don't always follow the same route every time, as I like exploring my neighbourhood, but I like to know how far I've run. It's especially helpful if I'm walking around as well.
While I don't necessarily need the "goal" of training for a 5k run or anything, I just like the fact that I get out of the house, and enjoy the nice weather and sunshine. I use my runs as a stress reliever, so going for a quick jog after work is very helpful to me.
Kudos to all of us for getting off our duffs and moving again.
A great list of all the great ice cream freebies out there! I love it and am sharing it the link to your post with my readers at Freebies 4 Mom. Thank you!
um..where do I recommend that you follow at an unsafe distance? I also said it is extremely dangerous to follow too closely and you could get pulled over. It's funny that you felt you had to post your comment three times and show that you never read the entire article.
Too much oxygen is poisonous. See? Everything in moderation. :)
Are you implying that beer and cigarettes aren't good for me? That's brekky!