I was informed about receiving a debit card from netspend before they sent it to me. I applied for a loan & I am slowly rebuilding my credit and the card has been great. I have an accout with a local credit union and the fees are going through the roof. Netspend is much easier. THIS IS NOT A CREDIT CARD. It is a debit card. If you do not load any money on it, then it can not be used. As far as a credit card being used as a second form of id, I have never heard of such a thing. I have been around a long time & no business has ever considered a credit card a form of id. I have never been charged any fee to speak with customer service either.
There seems also to be a growing number of instructors that are trying to use the older editions to help out! It never hurts to ask your instructor if you can get away with using an older edition.
As you stated in the article, it really is amazing how much stuff we accumulate over the years and how long it can take to go through it all and find a place for it (outside of our home). :)
I have been pursuing and writing about simple living for about a year now. I'm excited about the changes that my family is anticipating for the end of 2010 which will most likely involve moving. We are prepared to let go of a lot of possessions!
Lucile, that's a great one, and one I had forgotten about. Thank you for adding that! Also, I agree with your assessment of Livingstone wine - I usually throw a 1/2 cup into my spaghetti sauce. Tx, also, for comments, Robert, Rere, and Linsey. (Linsey, now I need to dig some pork chops out of the freeze to try!)
Brown the meat and stir in a jar of salsa (green or red). In a casserole dish, make 3 layers of corn tortillas, sour cream, the meat, and shredded cheddar. Bake til bubbly
I'm a high school student thinking about majoring in english, and I thought this article was extremely helpful untill I scrolled down and read then comments.
Being a third party viewer I noticed that the bottom line is you all think you have the best majors and went into the best fields of study.
So I have concluded that since english is what I love I will have to do it because no matter what I do I'm going to think it's the greatest thing in the world. You people make it to complicated for me.
If I read the title correctly, this article is for people who are becoming english majors. It's helped me out, so if you guys want to talk and boast about your majors then you can write your own article geared toward people going into your fields.
So since I am decided, any additional information about being a english major would be nice. I am more interested in job oppurtunities after college, as well as what getting you PHd can offer.
I have also...been with netspend for years but what I hate about this card holder,I can never speak to someone who clearly understands English but my main complaint is,I had my name change and had to fax my name change papers over three times and everytime I call to make sure they have receive it and everytime,the answer is we don't have anything fax over from you but fax it again and like I was telling them after the second time,one of the agents their told me to make sure I had the right fax number and when I gave her the fax number that was giving to me from a different agent,she laugh and said you sent it to the wrong department and need to resend it to another fax number and so I did once again and waited about a week and called back to make sure they had received it and and once again they said they still haven't received it. I said just close my account because that is very serious imformation that is floating around with my Social Securty Number,Driver's License and vital information that can ruin my credit.This is a bad but serious matter,where are all my important papers at,this is not looking good because I don't know who has my vital imformation is. This just happend to be as of Jan.1,2010 and i'm still waiting to here something back from them because no one seems to know what's going on. I stop my direct deposit checks from coming there and they told me,they can't close my account until I put $5.95 to close the account and I said,what...but all I have to say is, I have had a very bad experience with this bank Institution.
Guest it sounds like you did an easy refi. That's not the same as a loan modification, but I'm not sure on the details of your situation with Wells. Congratulations though.
We just closed on a 3 step close at home loan program through Wells Fargo. The loan documents were straight forward, showing a permanent reduction in our int rate for the full 30 yr term (we were only in the previous loan for 1.75yrs). There were no closing costs and the payments reduced by $180 per month. I did have to call to make sure everything was closed and we had to deal with a few people who didn't know what was going on. Their figures showed a reduction of total int paid at about $30K over the life of the loan - we had to go for it. Could this have been a different loan program?
If you know how to make a white sauce (bechamel) you know how to make hundreds of sauces. Many sauces are just twists on a white sauce. I have leftover turkey cooking in the oven in a white wine garlic cream sauce to go with some wild and brown rice in the rice cooker. Sauces with wine don't need to be expensive either. I keep two large bottles of wine in the fridge for cooking in the winter. A bottle of white Cavit brand and either a cheap but good red that is on sale or a bottle of Livingston Burgundy. Livingston isn't the best wine in the world but it is drinkable and tastes fine in recipes.
Stepping aside from the legal debate to give a quick review. Definitely watch Jesus Camp. It's disturbing to watch how brainwashed these kids get, but somehow fascinating. Enjoy.
The peanut sauce IS delicious, Robert - we've made it. The rest of them sound great, too. (Not sure what any of these have to do with Christmas, though, Travel Blogs?). Thanks for sharing, Marla!
Saving money on interest payments points toward a smaller emergency fund. Still, I don't think an emergency fund of zero is the best choice, simply because that can be an expensive choice—an emergency fund of zero leaves you exposed to all manner of little glitches in cash flow causing the sort of problem that can lead to late payment fees, bounced check fees, and worse.
So, if an emergency fund of zero is too risky, but a full-blown 3-6 month emergency fund is too expensive, what's the best choice? My take is that something in the area of $1000 or one month's expenses is the sweet spot. It's enough money that little glitches like a hiccup the delays your paycheck over a holiday weekend won't cause cascading failures. I'd suggest that even a minimal emergency fund out to be at least as big as your biggest monthly bill—so you can handle the situation where your payment goes astray and you have to temporarily cover the bill again until things get sorted out.
That was a great article. I totally agree about freelance sites. They're great for people that live outside the U.S. looking to work at home. But for U.S. based employees it's better to focus on some of the resources you provided.
But with that said, there are many more resources than Wahm that provide you a wealth of free work at home information, leads, videos on how to avoid scams.
Just thought you may want to know about all the other resources available. Wahm is great but it's definitely not the only free and comprehensive work at home resource out there.
Nora, your negative critique of AD&D Insurance failed to consider
the following:
Those who are self-employed, over age 55 or 60 who
believe they are under-insured and travel by auto,
say, 20-30K miles per year. At that age, a $500/yr
premium may get you $20K extra in benefits but it
will buy $500K in AD&D Insurance. For someone in
excellent health and fortunate genes, which is the
better deal?
Where would you say that creating an emergency savings fund equal to 3 months of living expenses comes in your queue? Have heard everything from emergency savings first to accelerated debt payment first... sometimes both in the same article!
We frequently buy what is on sale and then try to use it in many meals throughout the week. So my tip is to use it in different ethnicities each night. Italian one night, Mexican the next, Indian the next and so on... This way you don't get bored. Works with those chicken breasts too!
So my Indian ground beef recipe is to make "spicy" meatballs seasoned with garlic, cumin and any other spices that sounds good. Serve with rice and curry (store bought or homemade). Authentic? probably not. But it tastes great!
Easy enough, don't eat it. Red meat isn't that good for you anyway. Bean up. Or do ground chicken (though in my pre-veg days, that always skeeved me out). However, when I use faux ground meat, I usually make meatballs or tacos or spice it up to make this AWESOME brazilian dish called feijoada (ground meat or chorizo w/blk beans, garlic, onion, etc). It's amazing and really different than the usual ho-hum.
I perused the films, even watched teasers for a few, and found that most did not rise above the level of simple propaganda. All were trying to convince the viewer through an emotional (and sometimes vicious) appeal that their cause was just.
Sorry, Paul - freedom of information or not - unless you already agreed with the premise of the film, I found that most are not worth taking the time to view.
I was informed about receiving a debit card from netspend before they sent it to me. I applied for a loan & I am slowly rebuilding my credit and the card has been great. I have an accout with a local credit union and the fees are going through the roof. Netspend is much easier. THIS IS NOT A CREDIT CARD. It is a debit card. If you do not load any money on it, then it can not be used. As far as a credit card being used as a second form of id, I have never heard of such a thing. I have been around a long time & no business has ever considered a credit card a form of id. I have never been charged any fee to speak with customer service either.
There seems also to be a growing number of instructors that are trying to use the older editions to help out! It never hurts to ask your instructor if you can get away with using an older edition.
Margaret Garcia-Couoh
As you stated in the article, it really is amazing how much stuff we accumulate over the years and how long it can take to go through it all and find a place for it (outside of our home). :)
I have been pursuing and writing about simple living for about a year now. I'm excited about the changes that my family is anticipating for the end of 2010 which will most likely involve moving. We are prepared to let go of a lot of possessions!
Lucile, that's a great one, and one I had forgotten about. Thank you for adding that! Also, I agree with your assessment of Livingstone wine - I usually throw a 1/2 cup into my spaghetti sauce. Tx, also, for comments, Robert, Rere, and Linsey. (Linsey, now I need to dig some pork chops out of the freeze to try!)
Brown the meat and stir in a jar of salsa (green or red). In a casserole dish, make 3 layers of corn tortillas, sour cream, the meat, and shredded cheddar. Bake til bubbly
I'm a high school student thinking about majoring in english, and I thought this article was extremely helpful untill I scrolled down and read then comments.
Being a third party viewer I noticed that the bottom line is you all think you have the best majors and went into the best fields of study.
So I have concluded that since english is what I love I will have to do it because no matter what I do I'm going to think it's the greatest thing in the world. You people make it to complicated for me.
If I read the title correctly, this article is for people who are becoming english majors. It's helped me out, so if you guys want to talk and boast about your majors then you can write your own article geared toward people going into your fields.
So since I am decided, any additional information about being a english major would be nice. I am more interested in job oppurtunities after college, as well as what getting you PHd can offer.
Thanks for the read!!!
I have also...been with netspend for years but what I hate about this card holder,I can never speak to someone who clearly understands English but my main complaint is,I had my name change and had to fax my name change papers over three times and everytime I call to make sure they have receive it and everytime,the answer is we don't have anything fax over from you but fax it again and like I was telling them after the second time,one of the agents their told me to make sure I had the right fax number and when I gave her the fax number that was giving to me from a different agent,she laugh and said you sent it to the wrong department and need to resend it to another fax number and so I did once again and waited about a week and called back to make sure they had received it and and once again they said they still haven't received it. I said just close my account because that is very serious imformation that is floating around with my Social Securty Number,Driver's License and vital information that can ruin my credit.This is a bad but serious matter,where are all my important papers at,this is not looking good because I don't know who has my vital imformation is. This just happend to be as of Jan.1,2010 and i'm still waiting to here something back from them because no one seems to know what's going on. I stop my direct deposit checks from coming there and they told me,they can't close my account until I put $5.95 to close the account and I said,what...but all I have to say is, I have had a very bad experience with this bank Institution.
Guest it sounds like you did an easy refi. That's not the same as a loan modification, but I'm not sure on the details of your situation with Wells. Congratulations though.
We just closed on a 3 step close at home loan program through Wells Fargo. The loan documents were straight forward, showing a permanent reduction in our int rate for the full 30 yr term (we were only in the previous loan for 1.75yrs). There were no closing costs and the payments reduced by $180 per month. I did have to call to make sure everything was closed and we had to deal with a few people who didn't know what was going on. Their figures showed a reduction of total int paid at about $30K over the life of the loan - we had to go for it. Could this have been a different loan program?
If you know how to make a white sauce (bechamel) you know how to make hundreds of sauces. Many sauces are just twists on a white sauce. I have leftover turkey cooking in the oven in a white wine garlic cream sauce to go with some wild and brown rice in the rice cooker. Sauces with wine don't need to be expensive either. I keep two large bottles of wine in the fridge for cooking in the winter. A bottle of white Cavit brand and either a cheap but good red that is on sale or a bottle of Livingston Burgundy. Livingston isn't the best wine in the world but it is drinkable and tastes fine in recipes.
Stepping aside from the legal debate to give a quick review. Definitely watch Jesus Camp. It's disturbing to watch how brainwashed these kids get, but somehow fascinating. Enjoy.
The peanut sauce IS delicious, Robert - we've made it. The rest of them sound great, too. (Not sure what any of these have to do with Christmas, though, Travel Blogs?). Thanks for sharing, Marla!
I usually brown ground beef and then add it to any vegetarian chili recipe--it makes it heartier!
Lets relive Christmas!
@kimatsprig: I wrote a post on when to use savings to pay down debt, an analysis which turns on exactly that question—what about the emergency fund? Another way to think of it is is, What's the right size of emergency fund for someone who has debts?
Saving money on interest payments points toward a smaller emergency fund. Still, I don't think an emergency fund of zero is the best choice, simply because that can be an expensive choice—an emergency fund of zero leaves you exposed to all manner of little glitches in cash flow causing the sort of problem that can lead to late payment fees, bounced check fees, and worse.
So, if an emergency fund of zero is too risky, but a full-blown 3-6 month emergency fund is too expensive, what's the best choice? My take is that something in the area of $1000 or one month's expenses is the sweet spot. It's enough money that little glitches like a hiccup the delays your paycheck over a holiday weekend won't cause cascading failures. I'd suggest that even a minimal emergency fund out to be at least as big as your biggest monthly bill—so you can handle the situation where your payment goes astray and you have to temporarily cover the bill again until things get sorted out.
a) dumplings - can't go wrong
b) season it with taco seasoning, add onions + tomatoes + cheese and make egg rolls. amazing.
That was a great article. I totally agree about freelance sites. They're great for people that live outside the U.S. looking to work at home. But for U.S. based employees it's better to focus on some of the resources you provided.
But with that said, there are many more resources than Wahm that provide you a wealth of free work at home information, leads, videos on how to avoid scams.
I would encourage you to visit:
http://dore.webs.com/
http://dore.webs.com/
In terms of avoiding scams you should visit the following pages:
http://dore.webs.com/en.htm
http://dore.webs.com/en.htm
Just thought you may want to know about all the other resources available. Wahm is great but it's definitely not the only free and comprehensive work at home resource out there.
I hope this helps.
great idea. thanks
Nora, your negative critique of AD&D Insurance failed to consider
the following:
Those who are self-employed, over age 55 or 60 who
believe they are under-insured and travel by auto,
say, 20-30K miles per year. At that age, a $500/yr
premium may get you $20K extra in benefits but it
will buy $500K in AD&D Insurance. For someone in
excellent health and fortunate genes, which is the
better deal?
Where would you say that creating an emergency savings fund equal to 3 months of living expenses comes in your queue? Have heard everything from emergency savings first to accelerated debt payment first... sometimes both in the same article!
We frequently buy what is on sale and then try to use it in many meals throughout the week. So my tip is to use it in different ethnicities each night. Italian one night, Mexican the next, Indian the next and so on... This way you don't get bored. Works with those chicken breasts too!
So my Indian ground beef recipe is to make "spicy" meatballs seasoned with garlic, cumin and any other spices that sounds good. Serve with rice and curry (store bought or homemade). Authentic? probably not. But it tastes great!
Easy enough, don't eat it. Red meat isn't that good for you anyway. Bean up. Or do ground chicken (though in my pre-veg days, that always skeeved me out). However, when I use faux ground meat, I usually make meatballs or tacos or spice it up to make this AWESOME brazilian dish called feijoada (ground meat or chorizo w/blk beans, garlic, onion, etc). It's amazing and really different than the usual ho-hum.
Love this over porkchops!
Linsey Knerl
The peanut sauce sounds delicious!
I perused the films, even watched teasers for a few, and found that most did not rise above the level of simple propaganda. All were trying to convince the viewer through an emotional (and sometimes vicious) appeal that their cause was just.
Sorry, Paul - freedom of information or not - unless you already agreed with the premise of the film, I found that most are not worth taking the time to view.