hey guys.
I sell American iTunes-store account, the account can consueme download in the iTunes-store. use this acccount cheaper than use iTunes gift card…
i had add credit card to the account so you can use this account to consume.
The price is the lowest.
if u interesting it contact me pls.
MSN: l.s.w@live.cn
Email: l.s.w@live.cn
i do think that planning is necessary for the future of the child , i am not a dad yet nor i am married but still i am thinking for the future of the upcoming ones.It is better to be prepared for it then working on last minute. Time just flew away
I would love for both of my children to attend the private school where I went (that my father took out loans to pay for). Realistically, they will be able to do that only with substantial financial aid. I don't feel comfortable encouraging them to take on $100K+ in loans (each!) when they're 20.
However, I do want to help them pay for school, which I believe is very important. I have a 529 plan for each of them, and I hope to save enough to send each to a good state school. I encourage the grandparents to contribute to the 529 plans instead of giving other gifts, and I contribute as much as I can after making my retirement contributions (not much this year, though).
I'm also trying to get a job as a professor (it's a tough job market), and if I succeed, that should result in future tuition savings for my children at the same school. And I'd expect them to live at home while attending school to save money. (Of course, they may choose not to do so, but then they will incur the expenses themselves.) It also helps that my children are five years apart, so they probably will not be in college at the same time.
While I don't believe that community college is a substitute for a four-year college for us, I think it can be useful to take a few courses at CC in preparation for college. I also think that sending an immature student away to school can be a very poor investment. Spending a year at CC while the student matures can be a good option.
I love Ardyss International products. They have excellent, high-quality reshaping, all-natural nutritional, and skin care lines. It is a rapidly growing MLM company with awesome products. I originally joined only to get the discounted products because they blew my mind ie. Bodyshaper that instantly made me 3 sizes smaller! The all-natural products sold me as well because I was always big on nutrition. Then I realized after months of inquiries of what I was doing to look so good, that I was sitting on a goldmine company and the rest is history.
I cringe at the thought of defacing my MacBook on purpose. As it stands, I've got a single sticker on it.... And I'm very picky about how it is. (Even with dirty, well-used keys and scratches galore.)
I may "uglify" my point and shoot camera, but I don't see how one could do that to an SLR. That's another of my things that's staying nice and, when taken out of the house, doesn't leave my sight or reach.
You're definitely crossing the line when it comes to my cars. People can screw themselves when it comes to vandalism... It wasn't too long ago, but we talked to a guy who owns a Porsche 911 SC. Sadly, someone had the guts to key the car... Who's nearly 30 years old and worth less than just about every new car out there. Incredible what people will do when they feel inferior.
Commenter Josh is right -- people give up too much to thieves...
I have been putting a little bit of money a month aside before my kid was born in a 529. However I am pretty sure whatever I put in won't be enough in 18 years so I am not trying that hard. Like one of the above commenter said, if parents don't take care of their own retirements then their kids would have a whole other kind of problem, namely parents living with them. I am hoping that if our kid has to pay his own schooling he would appreciate the degree more and be more picky about what and where he studies.
My parents never funded my schooling. Instead when I moved out on my own, my finances were so destitute that I was able to get grants for technical school. When I went for my B.A., I got grants but also had to take out hefty loans to cover the costs.
At first I was satisfied with my technical degree and decided it wasn't worth paying back loans until I was 40. Then I realized how bad it is out there for people without at least a B.A. The educational requirements for many jobs are rising. Jobs that required a technical certificate five years ago now require an associate's. Jobs that required a B.A. now require an M.A. More and more jobs are calling even for doctorate degrees.
As a personal choice, I decided not to go higher than an M.A. I certainly have enough loans to pay back.
What's really sad is that jobs that require no skill, like working at Waffle House, only want to hire college students or those with experience. Jobs that used to be easy to obtain are now difficult as hell.
The only way to get ANY sort of work anymore is with a degree, a marketable skill, or both. Personally, I am financially responsible so I will have no issues paying back my student loans. And my parents were lower middle class and are struggling to this day because they have crappy jobs. They chose not to go to college. I am the only one in my immediate family with a college education.
I am actually glad that they did not take out of their ever-dwindling reserves to fund my college education. They taught me self-sufficiency and though they do not value education, the way that they lives their lives makes me want to pursue it all the more. I want a good salary, a good career, and a resume I can be very proud of. I don't ever want to have to say to my children "You eat this. I'll just go without tonight." Unfortunately, without college no one can really survive anymore.
We have two Poms and hardwood floors--hair gets *everywhere* all the time. Not only am I always walking around in socks covered in doghair (on purpose) but I use the dryer sheets for the same purpose. Careful though, they can make floors slippery.
I also use them to wipe down my dogs to remove static from their hair. I suppose it could work on human hair, but haven't tried.
Placed in drawers and in closets they leave a nice scent. Placed in linen sheet sets they leave a nice scent as well.
We have 529's for both of our children and I would love to be able to save enough to cover both their college costs. My husband and I worked while we went to college, but we also lived on our own and had to take loans to cover the costs. We're still paying on those loans nearly 15 years out of college! I don't want my children facing that kind of debt if I can help them. My parents were wonderful and helped me all they could, and I appreciated every bit of it. I don't think keeping them from a mountain of debt will make my children unaware of the realities of life. We will expect them to learn life's lessons and make their way otherwise.
Now, having said all that, I have to admit that we've been unable to contribute to the 529's for over a year due to the financial situation. I don't feel guilty about that. We have to put food on the table and clothes on them right now. I plan to start contributing regularly again soon. And, if it comes down to a choice between saving for retirement or contributing to a college fund, retirement is going to win out. Otherwise, we're saddling them with a whole different kind of problem!
No I do not think that parents should have to pay for their child's college education. However, it wouldn't hurt to send the child off with a couple grand to get started but other than that the child is fully capable of applying for scholarships and grants and getting a part-time job as well.
they weren't my favorite, either, but I *promise* that this is a good way to eat them. AND, they are uber-healthy, and have a promise of luck and prosperity, which is always a good thing. :-0
Two things ...
1. Kids have to have skin in the game to take responsibility ... foreclosure rates on 0% down are much higher then those with 20% down
2. Paying for college 10+ years after finishing is excessive punishment
... I plan to make sure 80% is covered and have my child pick-up 20% in loans ... approximately of course ... miles may vary ... they need skin in game ...
Other ways to get skin in the game ...
I was also think of picking up 100% if she finishes in 3 years and 90% if she finishes in 4 years ... I will also pick up more, if she goes a couple years at a community college or is rewarded scholastic scholarships or does something else to help control costs
"A right implies that we deserve whatever it is we are talking about, and being a human being does not mean you are entitled to anything you want."
Are you serious? You are comparing being entitled to "everything you want" with being entitled to HEALTH CARE? As humans, we don't DESERVE the right to be treated for an illness that we didn't raise our hand to get in the first place?
Treatment for a disease, terminal or otherwise, is not something we feel entitled to. We work, we struggle; why must I suffer just because I don't make as much money as you do?
This is exactly the same bullshit thinking from "2012." 1M Euros for a seat on the "arcs" and it was one man who felt that LIVING is a right of the people, who changed it all.
I had Laryngitis and Bronchitis last March. I couldn't stop coughing. I ended up cracking a rib from the coughing (though I didn't know it at the time). After trying to go to work and realizing I couldn't even move without bawling my eyes out in pain, I decided I HAD to go to the hospital.
I was checked in and the routine "What's wrong with you?" began with the first nurse. I was then shown to the room, where I sat for 10 minutes. The doctor came in, I tried to explain what happened, which was difficult considering I had never experienced ANYTHING like it before. She told me I just pulled a muscle. I knew it was more than that and demanded an Xray.
20 minutes after the Xray was complete, the nurse returned saying I should have bet her, 'cause I would have won. I cracked my 6th rib. She wrote out a prescription for Vicodin and Ibuprofen and sent me on my way.
Now the whole point of that description of my trip is this:
The only equipment used on me was the Xray machine: $34.
The hospital bill: $200 (that white PAPER liner on those chairs is damn expensive!)
The doctor bill: $437 (because her blowing off my pain and making a joke when she's proven wrong is worth that much money.)
Now, I work at McDonalds, minimum wage. Sorry, it's the only thing available in my little town anymore without a degree (and even those jobs are scarce). I can't afford college cause hell, that's expensive too.
That 700 odd bucks is probably on my credit by now. Because I can't afford to pay it. My dad is out of work and on unemployment, while also trying to pay for school (which I also help him with).
It's not my RIGHT to have been able to get a diagnoses and medication to help (without it affecting me negatively) so that I could recover as quickly as possible to return to work and continue slaving away for bills that continue to mount? **** you.
Healthcare is NEEDED, not WANTED. People have a RIGHT to live, work, and prosper. Otherwise, why don't we all just go kill ourselves if we don't "belong" here because it's not our right.
Both of my children did a lot of extra curricular activities and kept their grades up and have received substantial scholarships. The catch to the largest of these is that I must remain relatively poor or they'll lose their scholarships. I don't want them to graduate with the equivalent of a mortgage before they've ever had real jobs though, and since one of them will be going to law school he can garner his debt then.
I recently read that dryer sheets can remove deodorant stains from your clothing. Rub the area with deodorant in circular motion and then just brush off the powder. Haven't tried it yet though.
I'm wondering if your statement regarding children of veteran's is correct. I did a quick search and couldn't verify it. As a veteran, I would be very interested in my children receiving reimbursement for 70% of their college.
My parents were only able to save a little to help pay my tuition, and I helped by applying for and getting a few scholarships. Even though "only" 14 years have passed since I graduated, things have changed a lot already. The cost of college has risen much faster than inflation or earning power. If I only save the pittance my parents saved, it won't go far.
However, I agree that saving for retirement comes first. Although it's not recommended to borrow from your retirement accounts, it's probably better to borrow from them later than to never have put money in them in the first place.
I really don't know what to do about saving for college -- we can't afford to save much although ideologically I would like to pay my kids' tuition. Having to work so much while I was in college -- even though I was only paying room and board myself -- detracted from the college experience. There were a lot of activities I would have liked to be in that I couldn't do, I was often stressed about work and money, and when looking at internships to launch my career I could mostly only afford to look at those that paid.
I end up stumbling myself on most of these questions under pressure, but i try to answer as best i can relating to the work i am actually applying for, good luck to everyone else using this as a guide for questions that you may be asked during an interview you have.
I recently stuck some used dryer sheets into the crevices of my couch. A friend gave me her old couch when she got a new one and there was a bit of a dog smell - not anymore!
I have to say, I use them several times in the dryer myself and they do work. Also, once you have used them in the dryer, use them to clean your tub also works for me..
Never did use them to get off pet hair though, will have to try this, since I have cats this could be really handy. And using them inside your shoes or in drawers is another great idea!
Thanks!!
Great article with a lot of important information. There also seems to be a lot of myths about whether or not people think they should buy life insurance. As an advocate of Allstate Insurance, I suggest checking out this helpful article on the 9 major myths of life insurance policies: http://myallstatefinancial.com/financial/life-insurance-facts.aspx
I agree with Lucille regarding alterations - I consider myself an average sewer, but certain alterations are worth having a professional do it. Taking in jeans, fixing a hem, or patching a hole is one thing, but I've nearly ruined a suit jacket before trying to shorten sleeves. I've learned a lot more since then, but I still have nightmares about it. Your mileage may vary.
I've gotten good deals on fabric before by watching fliers and checking the local fabric stores when they are running a sale - sometimes you end up with something good. I keep a "to make" shopping list of the fabric and notions I need for certain projects and bring it with me when I look at fabric, that way I don't have to guess at how much I need ("I think it was 2.5 yards, but eh... make it 3.")
Thrift stores also yield good things from time to time. I once found a big bag of vintage patterns from the '60s and '70s at a local Goodwill for $5, and quite a few of them were in my size. I ended up making one of the dresses to wear after my wedding for about $20 in supplies (shopping during sales). Once I also found a big bag of zippers and bias tape in various sizes and colors at a yard sale for $2. I've since used about half that bag for various projects.
hey guys.
I sell American iTunes-store account, the account can consueme download in the iTunes-store. use this acccount cheaper than use iTunes gift card…
i had add credit card to the account so you can use this account to consume.
The price is the lowest.
if u interesting it contact me pls.
MSN: l.s.w@live.cn
Email: l.s.w@live.cn
i do think that planning is necessary for the future of the child , i am not a dad yet nor i am married but still i am thinking for the future of the upcoming ones.It is better to be prepared for it then working on last minute. Time just flew away
I would love for both of my children to attend the private school where I went (that my father took out loans to pay for). Realistically, they will be able to do that only with substantial financial aid. I don't feel comfortable encouraging them to take on $100K+ in loans (each!) when they're 20.
However, I do want to help them pay for school, which I believe is very important. I have a 529 plan for each of them, and I hope to save enough to send each to a good state school. I encourage the grandparents to contribute to the 529 plans instead of giving other gifts, and I contribute as much as I can after making my retirement contributions (not much this year, though).
I'm also trying to get a job as a professor (it's a tough job market), and if I succeed, that should result in future tuition savings for my children at the same school. And I'd expect them to live at home while attending school to save money. (Of course, they may choose not to do so, but then they will incur the expenses themselves.) It also helps that my children are five years apart, so they probably will not be in college at the same time.
While I don't believe that community college is a substitute for a four-year college for us, I think it can be useful to take a few courses at CC in preparation for college. I also think that sending an immature student away to school can be a very poor investment. Spending a year at CC while the student matures can be a good option.
I love Ardyss International products. They have excellent, high-quality reshaping, all-natural nutritional, and skin care lines. It is a rapidly growing MLM company with awesome products. I originally joined only to get the discounted products because they blew my mind ie. Bodyshaper that instantly made me 3 sizes smaller! The all-natural products sold me as well because I was always big on nutrition. Then I realized after months of inquiries of what I was doing to look so good, that I was sitting on a goldmine company and the rest is history.
I cringe at the thought of defacing my MacBook on purpose. As it stands, I've got a single sticker on it.... And I'm very picky about how it is. (Even with dirty, well-used keys and scratches galore.)
I may "uglify" my point and shoot camera, but I don't see how one could do that to an SLR. That's another of my things that's staying nice and, when taken out of the house, doesn't leave my sight or reach.
You're definitely crossing the line when it comes to my cars. People can screw themselves when it comes to vandalism... It wasn't too long ago, but we talked to a guy who owns a Porsche 911 SC. Sadly, someone had the guts to key the car... Who's nearly 30 years old and worth less than just about every new car out there. Incredible what people will do when they feel inferior.
Commenter Josh is right -- people give up too much to thieves...
I have been putting a little bit of money a month aside before my kid was born in a 529. However I am pretty sure whatever I put in won't be enough in 18 years so I am not trying that hard. Like one of the above commenter said, if parents don't take care of their own retirements then their kids would have a whole other kind of problem, namely parents living with them. I am hoping that if our kid has to pay his own schooling he would appreciate the degree more and be more picky about what and where he studies.
My parents never funded my schooling. Instead when I moved out on my own, my finances were so destitute that I was able to get grants for technical school. When I went for my B.A., I got grants but also had to take out hefty loans to cover the costs.
At first I was satisfied with my technical degree and decided it wasn't worth paying back loans until I was 40. Then I realized how bad it is out there for people without at least a B.A. The educational requirements for many jobs are rising. Jobs that required a technical certificate five years ago now require an associate's. Jobs that required a B.A. now require an M.A. More and more jobs are calling even for doctorate degrees.
As a personal choice, I decided not to go higher than an M.A. I certainly have enough loans to pay back.
What's really sad is that jobs that require no skill, like working at Waffle House, only want to hire college students or those with experience. Jobs that used to be easy to obtain are now difficult as hell.
The only way to get ANY sort of work anymore is with a degree, a marketable skill, or both. Personally, I am financially responsible so I will have no issues paying back my student loans. And my parents were lower middle class and are struggling to this day because they have crappy jobs. They chose not to go to college. I am the only one in my immediate family with a college education.
I am actually glad that they did not take out of their ever-dwindling reserves to fund my college education. They taught me self-sufficiency and though they do not value education, the way that they lives their lives makes me want to pursue it all the more. I want a good salary, a good career, and a resume I can be very proud of. I don't ever want to have to say to my children "You eat this. I'll just go without tonight." Unfortunately, without college no one can really survive anymore.
We have two Poms and hardwood floors--hair gets *everywhere* all the time. Not only am I always walking around in socks covered in doghair (on purpose) but I use the dryer sheets for the same purpose. Careful though, they can make floors slippery.
I also use them to wipe down my dogs to remove static from their hair. I suppose it could work on human hair, but haven't tried.
Placed in drawers and in closets they leave a nice scent. Placed in linen sheet sets they leave a nice scent as well.
I keep them in the car to combat static cling and to fresh the air (riding with dogs for several hours will necessitate this).
We have 529's for both of our children and I would love to be able to save enough to cover both their college costs. My husband and I worked while we went to college, but we also lived on our own and had to take loans to cover the costs. We're still paying on those loans nearly 15 years out of college! I don't want my children facing that kind of debt if I can help them. My parents were wonderful and helped me all they could, and I appreciated every bit of it. I don't think keeping them from a mountain of debt will make my children unaware of the realities of life. We will expect them to learn life's lessons and make their way otherwise.
Now, having said all that, I have to admit that we've been unable to contribute to the 529's for over a year due to the financial situation. I don't feel guilty about that. We have to put food on the table and clothes on them right now. I plan to start contributing regularly again soon. And, if it comes down to a choice between saving for retirement or contributing to a college fund, retirement is going to win out. Otherwise, we're saddling them with a whole different kind of problem!
No I do not think that parents should have to pay for their child's college education. However, it wouldn't hurt to send the child off with a couple grand to get started but other than that the child is fully capable of applying for scholarships and grants and getting a part-time job as well.
they weren't my favorite, either, but I *promise* that this is a good way to eat them. AND, they are uber-healthy, and have a promise of luck and prosperity, which is always a good thing. :-0
thank you for the link!
xoox steph
Two things ...
1. Kids have to have skin in the game to take responsibility ... foreclosure rates on 0% down are much higher then those with 20% down
2. Paying for college 10+ years after finishing is excessive punishment
... I plan to make sure 80% is covered and have my child pick-up 20% in loans ... approximately of course ... miles may vary ... they need skin in game ...
Other ways to get skin in the game ...
I was also think of picking up 100% if she finishes in 3 years and 90% if she finishes in 4 years ... I will also pick up more, if she goes a couple years at a community college or is rewarded scholastic scholarships or does something else to help control costs
"A right implies that we deserve whatever it is we are talking about, and being a human being does not mean you are entitled to anything you want."
Are you serious? You are comparing being entitled to "everything you want" with being entitled to HEALTH CARE? As humans, we don't DESERVE the right to be treated for an illness that we didn't raise our hand to get in the first place?
Treatment for a disease, terminal or otherwise, is not something we feel entitled to. We work, we struggle; why must I suffer just because I don't make as much money as you do?
This is exactly the same bullshit thinking from "2012." 1M Euros for a seat on the "arcs" and it was one man who felt that LIVING is a right of the people, who changed it all.
I had Laryngitis and Bronchitis last March. I couldn't stop coughing. I ended up cracking a rib from the coughing (though I didn't know it at the time). After trying to go to work and realizing I couldn't even move without bawling my eyes out in pain, I decided I HAD to go to the hospital.
I was checked in and the routine "What's wrong with you?" began with the first nurse. I was then shown to the room, where I sat for 10 minutes. The doctor came in, I tried to explain what happened, which was difficult considering I had never experienced ANYTHING like it before. She told me I just pulled a muscle. I knew it was more than that and demanded an Xray.
20 minutes after the Xray was complete, the nurse returned saying I should have bet her, 'cause I would have won. I cracked my 6th rib. She wrote out a prescription for Vicodin and Ibuprofen and sent me on my way.
Now the whole point of that description of my trip is this:
The only equipment used on me was the Xray machine: $34.
The hospital bill: $200 (that white PAPER liner on those chairs is damn expensive!)
The doctor bill: $437 (because her blowing off my pain and making a joke when she's proven wrong is worth that much money.)
Now, I work at McDonalds, minimum wage. Sorry, it's the only thing available in my little town anymore without a degree (and even those jobs are scarce). I can't afford college cause hell, that's expensive too.
That 700 odd bucks is probably on my credit by now. Because I can't afford to pay it. My dad is out of work and on unemployment, while also trying to pay for school (which I also help him with).
It's not my RIGHT to have been able to get a diagnoses and medication to help (without it affecting me negatively) so that I could recover as quickly as possible to return to work and continue slaving away for bills that continue to mount? **** you.
Healthcare is NEEDED, not WANTED. People have a RIGHT to live, work, and prosper. Otherwise, why don't we all just go kill ourselves if we don't "belong" here because it's not our right.
Nice ideas but even better - shaklee sells 100% recyclable/compostable sheets.
Both of my children did a lot of extra curricular activities and kept their grades up and have received substantial scholarships. The catch to the largest of these is that I must remain relatively poor or they'll lose their scholarships. I don't want them to graduate with the equivalent of a mortgage before they've ever had real jobs though, and since one of them will be going to law school he can garner his debt then.
I recently read that dryer sheets can remove deodorant stains from your clothing. Rub the area with deodorant in circular motion and then just brush off the powder. Haven't tried it yet though.
I'm wondering if your statement regarding children of veteran's is correct. I did a quick search and couldn't verify it. As a veteran, I would be very interested in my children receiving reimbursement for 70% of their college.
My parents were only able to save a little to help pay my tuition, and I helped by applying for and getting a few scholarships. Even though "only" 14 years have passed since I graduated, things have changed a lot already. The cost of college has risen much faster than inflation or earning power. If I only save the pittance my parents saved, it won't go far.
However, I agree that saving for retirement comes first. Although it's not recommended to borrow from your retirement accounts, it's probably better to borrow from them later than to never have put money in them in the first place.
I really don't know what to do about saving for college -- we can't afford to save much although ideologically I would like to pay my kids' tuition. Having to work so much while I was in college -- even though I was only paying room and board myself -- detracted from the college experience. There were a lot of activities I would have liked to be in that I couldn't do, I was often stressed about work and money, and when looking at internships to launch my career I could mostly only afford to look at those that paid.
I end up stumbling myself on most of these questions under pressure, but i try to answer as best i can relating to the work i am actually applying for, good luck to everyone else using this as a guide for questions that you may be asked during an interview you have.
I recently stuck some used dryer sheets into the crevices of my couch. A friend gave me her old couch when she got a new one and there was a bit of a dog smell - not anymore!
I have to say, I use them several times in the dryer myself and they do work. Also, once you have used them in the dryer, use them to clean your tub also works for me..
Never did use them to get off pet hair though, will have to try this, since I have cats this could be really handy. And using them inside your shoes or in drawers is another great idea!
Thanks!!
Great article with a lot of important information. There also seems to be a lot of myths about whether or not people think they should buy life insurance. As an advocate of Allstate Insurance, I suggest checking out this helpful article on the 9 major myths of life insurance policies:
http://myallstatefinancial.com/financial/life-insurance-facts.aspx
I agree with Lucille regarding alterations - I consider myself an average sewer, but certain alterations are worth having a professional do it. Taking in jeans, fixing a hem, or patching a hole is one thing, but I've nearly ruined a suit jacket before trying to shorten sleeves. I've learned a lot more since then, but I still have nightmares about it. Your mileage may vary.
I've gotten good deals on fabric before by watching fliers and checking the local fabric stores when they are running a sale - sometimes you end up with something good. I keep a "to make" shopping list of the fabric and notions I need for certain projects and bring it with me when I look at fabric, that way I don't have to guess at how much I need ("I think it was 2.5 yards, but eh... make it 3.")
Thrift stores also yield good things from time to time. I once found a big bag of vintage patterns from the '60s and '70s at a local Goodwill for $5, and quite a few of them were in my size. I ended up making one of the dresses to wear after my wedding for about $20 in supplies (shopping during sales). Once I also found a big bag of zippers and bias tape in various sizes and colors at a yard sale for $2. I've since used about half that bag for various projects.
What about the parents who believe that what's being taught in colleges is wrong? (in addition to the classes)