Great list here. If there is anyone who are looking for locally owned businesses that offers great local promotions, coupons and discount, http://www.SmartLocalShoppers.com is the place to find local printable coupons.
Every deals on the site are submitted by the local business owners. It's a WIN-WIN local shopping site for everyone who wants to save money! Support local businesses while saving money makes everyone a winner!
Best of all, you can find their coupons distributes to some of the sites listed above.
I thought that using aluminum for distilling alcohol was not a good idea, so are you telling me that using an old aluminum pressure cooker for the still is OK?
I know for a fact that my chances of being successful at saving and budgeting would have been better had I been taught personal finance in school so I am all in favor of teaching personal finance throughout all of the grades in school.
I believe that it should be taught in schools. In addition to learning to balance a checkbook, like most schools seem to be teaching, the ramifications for NOT paying your bills on time or NOT being able to manage debt should also be considered for the appropriate age level. I seem to be hearing recent grads that are attending college believe that once they stop going to college they do not have to pay back their student loans if they did not complete their degree. Eeeeks! It appears that if they physically do not have the money in hand it may be difficult to conceptualize the amount of debt they will be in or have to manage later on. The concept is we are all aware of how to get into debt but managing it is the trickiest part.
I am an avid buyer of books online and one site that I have found that I liked was http://www.powells.com/ They are a brick and mortar independent bookstore (which I love to support) located in Oregon. Powells has used books as low as $1.00 plus new and ebooks/digital editions and shipping is reasonable as well for those purchases made online. Powells will also buy books online for cash or trade. Great site and great selection!
Very good idea. Every year I hunted for a good idea for Valentine's Day gift. Now, I almost already tried out every kind of great idea I can grab.
I should make a list of all kinds of valentine gifts ideas! In this post, I got some.
Thank God we live in America where we have freedom of choice. Homeopathy has worked for my family for years. I don't know why or how and it doesn't matter. Like another respondent noted, everything doesn't work for everyone. Like penicillin for instance...
Homeopathy has "worked" since its inception, for what it works for and for who it works for. My two cents worth.
I'd love to see an article here about the wide-spread over-prescribing of antibiotics. Is there one in the works? Or perhaps in the archives?
I don't find that Trader Joe's is all that people make it out to be. First of all (at least in Nevada) I've found that the produce is packaged in what appears to be the most wasteful packaging ever. I love how there are signs out front that say "don't forget your reusable bags" yet the store wants to send you home with heaps of plastic containers and wrapping. Additionally, the produce pricing is per item and there are no scales in the store so that you can weigh the produce for any price comparisons.
As far as low pricing, I think this argument is only valid if you normally buy packaged food or shop at somewhere like Whole Foods. Generally the wine and beer selection is cheap if you don't mind drinking cheap wine and beer.
The employee enthusiasm is because employees get paid a decent living wage which is great. TJ's should be recognized for this.
In conclusion, it's not worth all the hype. I shop there only for the Honey Whole Wheat pretzel and cheap beer and wine.
Your post got me thinking on what may be a bit of a tangent.
Modern bohemians have a choice. They can put it on or take it off like a garment. They can save for a bohemian future. They can nurture a profitable side hustle. Diversivy. But if you've ever encountered someone completely wrapped up in their art, they have no choice.
My dad once said, "If you can't do anything else, be a sculptor." From the get go, as 4 year old kid drawing animals on scraps of paper, he was wired that way. Sure he could have remained a janitor or mill worker, but really, he couldn't. And the poverty bit you mentioned, is no joke. It's the destitute Mozart on his deathbed, with the Requiem singing in his head, dictating it to Salieri.
That part of bohemianism, that compulsion to create something beautiful or important out of common stuff, really makes that person different. It's not just the exterior oddities. The disheveled appearance, odd hours, or missed meals.
You may have felt that high yourself, when you put words on a page and they come together to sing. Imagine striving for that all the time, unencumbered by a felt need to make a living.
Rarely does business sense combine with that kind of total preoccupation. The old-fashioned-one-track-mind bohemians, in all likelihood will die poor, no matter what kind of technology there is around.
PAUL im a new mum again and tried breastfeeding and was successful for a couple of months but eventually my milk started to dry up and was not filling them up so i had to go to formula and love the good start. I ended up having to buy the babyrus brand cause the good start one i was using was out of stock. I was just wondering which generic brand is comparable to the good start gentle plus or how i would find that out? I think i wheened him to the generic to fast and had many spit ups.
to the lady who was rude about formula i tried my best and got barely any sleep in the first two month trying to breastfeed my last son and ended up with a very cranky and starving baby cause everyone was like breast breast breast. I was not supling enought for him sorry for the misspelled word...
Was this inspired by the recent McDonald's commercial? I'd probably only play it if everyone ordered off of the Dollar Menu. It sounds exciting, but the payout's really not worth the risk to me. I'm on a tight budget and wouldn't want to spend my lunch money on someone else ;)
Yes. Financial literacy is essential for a functioning society. If half the rubes who took on ARMs had any financial education on how interest works, most would never have gone for the bait. But it will be an uphill battle- look for banks and credit cards to lobby against it- an ignorant populace means more money for them.
As far as teacher not being qualified: teachers do not teach math, english, or anything via instinct. They are educated and trained. Teachers can learn and train in this subject, just like any other.
As far as teachers not having time-build it in at first as an elective, not a requirement. Then change health class to "well being" class, and include fiscal health along with physical health. Or teach it home and careers.
I LOVE AND SWEAR BY colloidial silver. Since I've been using it, ALL my sinus and allergies have disappeared. Say what you will, the fact that I cleaned out my nedicine cabinet of ALL prescription medicinesand have been cold, sinus, sneeze, congested free for 7 years.
Thanks for the comment/advice. I am keeping it at about 75 degrees, which is right at mid-range for the recommended temperature on the yeast. I let the air-lock completely stop burping before distillation. (which is only taking about 10 days) I do taste before dilstillation, and there is some sweetness, though not in a tasty way. More of a fermented, old fruit taste. I have heard some people say that it should taste "dry", and it is definitely not getting to that point. I have experimented, and found that I can get the same yield with about a %70 decrease in sugar. I am starting to think that my yeast is not performing to it's advertised potential. Once again, any further advice would be appreciated. Specifically, I would like to track down a step by step recipe/procedure for maximizing the ABV in my must. If anyone out there has a link, or access to that kind of recipe, I would be very excited.
Yes, personal finance is the one subject I longed for in school and I was confused as to why it's not being offered. I had to meet up with my teacher outside of school to learn more about finance and investing. But wait a sec, aren't we studying for 12-16 years so we can build value and so we can earn money??
As many wealthy people know, the paycheck is not what makes someone rich. It is how you manage your money and how frugal you are that makes the difference! Read up on Warren Buffet and you'll know that he lives in a very small house, even though he's a billionaire. Money seems to be our life blood nowadays, and parents send their kids to college for their financial well being, so therefore, why ISN'T it taught in school? Look how many people run on debt, and overspend, even with 6 figure salaries! The simplest concepts have yet to be taught to our fellow Americans, the most obvious one being in order to build wealth, you must spend less than you earn.
This also occurred during the great depression long ago, but after the great depression was over, MANY PEOPLE learned to save and invest because they fully understood the consequences for not doing so! Then as that generation passed...the future generations became spenders again. It would benefit everyone to know their personal finance so that people can generate their own wealth rather than depend on the gov't to support them. It is a huge money sinkhole to try to support people financially (such as unemployment checks) when you can teach them how to build wealth. If you argue that unemployment checks are necessary, please understand that if you give people such a backup plan, then they will more likely fall back on the backup plan than to go the extra mile to build value or discover their strengths.
Of course, you cannot control how anyone spends their money. The education should be sufficient, though, so that they are aware of their options and available strategies.
If the subject is to be taught in schools, though, the teacher had better know what he/she's talking about! I do not meet enough people (even my last personal finance teacher in college) who know how to manage their money and live on debt or paycheck to paycheck. The personal finance teacher had better be wealthy, otherwise the students will be learning from the wrong person! :)
Of course, the library and internet allow us to study for ourselves. I've spent weeks researching how to invest in the market, and I have worked my way up to saving 30% of my paycheck for Roth IRA and Mutual fund investments! Many people are just not interested or confident enough to do the research, or maybe people don't even realize their financial situation is a huge problem! It would probably benefit the country as a whole if everyone was exposed to some kind of personal finance class before graduating high school.
Great list here. If there is anyone who are looking for locally owned businesses that offers great local promotions, coupons and discount, http://www.SmartLocalShoppers.com is the place to find local printable coupons.
Every deals on the site are submitted by the local business owners. It's a WIN-WIN local shopping site for everyone who wants to save money! Support local businesses while saving money makes everyone a winner!
Best of all, you can find their coupons distributes to some of the sites listed above.
Swaptree.com is now Swap.com. You now must list a credit card with them and pay fees related to trades/shipping.
I thought that using aluminum for distilling alcohol was not a good idea, so are you telling me that using an old aluminum pressure cooker for the still is OK?
I know for a fact that my chances of being successful at saving and budgeting would have been better had I been taught personal finance in school so I am all in favor of teaching personal finance throughout all of the grades in school.
I believe that it should be taught in schools. In addition to learning to balance a checkbook, like most schools seem to be teaching, the ramifications for NOT paying your bills on time or NOT being able to manage debt should also be considered for the appropriate age level. I seem to be hearing recent grads that are attending college believe that once they stop going to college they do not have to pay back their student loans if they did not complete their degree. Eeeeks! It appears that if they physically do not have the money in hand it may be difficult to conceptualize the amount of debt they will be in or have to manage later on. The concept is we are all aware of how to get into debt but managing it is the trickiest part.
I am an avid buyer of books online and one site that I have found that I liked was http://www.powells.com/ They are a brick and mortar independent bookstore (which I love to support) located in Oregon. Powells has used books as low as $1.00 plus new and ebooks/digital editions and shipping is reasonable as well for those purchases made online. Powells will also buy books online for cash or trade. Great site and great selection!
Thanks for the link Ashley!
How low? For $50 would you do it?
I don't think I'd want to play this "game" although it's interesting. Instead, I'd rather take turns paying.
Very good idea. Every year I hunted for a good idea for Valentine's Day gift. Now, I almost already tried out every kind of great idea I can grab.
I should make a list of all kinds of valentine gifts ideas! In this post, I got some.
Thanks.
Thank God we live in America where we have freedom of choice. Homeopathy has worked for my family for years. I don't know why or how and it doesn't matter. Like another respondent noted, everything doesn't work for everyone. Like penicillin for instance...
Homeopathy has "worked" since its inception, for what it works for and for who it works for. My two cents worth.
I'd love to see an article here about the wide-spread over-prescribing of antibiotics. Is there one in the works? Or perhaps in the archives?
Thanks.
I don't find that Trader Joe's is all that people make it out to be. First of all (at least in Nevada) I've found that the produce is packaged in what appears to be the most wasteful packaging ever. I love how there are signs out front that say "don't forget your reusable bags" yet the store wants to send you home with heaps of plastic containers and wrapping. Additionally, the produce pricing is per item and there are no scales in the store so that you can weigh the produce for any price comparisons.
As far as low pricing, I think this argument is only valid if you normally buy packaged food or shop at somewhere like Whole Foods. Generally the wine and beer selection is cheap if you don't mind drinking cheap wine and beer.
The employee enthusiasm is because employees get paid a decent living wage which is great. TJ's should be recognized for this.
In conclusion, it's not worth all the hype. I shop there only for the Honey Whole Wheat pretzel and cheap beer and wine.
Yes, I think it should be taught. I wish it had been part of the required curriculum when I was in school!
I've never thought about it, but this is an easy way to resolve the "No, I'll pay for the check" arguments which come up every once in a while!
Your post got me thinking on what may be a bit of a tangent.
Modern bohemians have a choice. They can put it on or take it off like a garment. They can save for a bohemian future. They can nurture a profitable side hustle. Diversivy. But if you've ever encountered someone completely wrapped up in their art, they have no choice.
My dad once said, "If you can't do anything else, be a sculptor." From the get go, as 4 year old kid drawing animals on scraps of paper, he was wired that way. Sure he could have remained a janitor or mill worker, but really, he couldn't. And the poverty bit you mentioned, is no joke. It's the destitute Mozart on his deathbed, with the Requiem singing in his head, dictating it to Salieri.
That part of bohemianism, that compulsion to create something beautiful or important out of common stuff, really makes that person different. It's not just the exterior oddities. The disheveled appearance, odd hours, or missed meals.
You may have felt that high yourself, when you put words on a page and they come together to sing. Imagine striving for that all the time, unencumbered by a felt need to make a living.
Rarely does business sense combine with that kind of total preoccupation. The old-fashioned-one-track-mind bohemians, in all likelihood will die poor, no matter what kind of technology there is around.
hI
PAUL im a new mum again and tried breastfeeding and was successful for a couple of months but eventually my milk started to dry up and was not filling them up so i had to go to formula and love the good start. I ended up having to buy the babyrus brand cause the good start one i was using was out of stock. I was just wondering which generic brand is comparable to the good start gentle plus or how i would find that out? I think i wheened him to the generic to fast and had many spit ups.
to the lady who was rude about formula i tried my best and got barely any sleep in the first two month trying to breastfeed my last son and ended up with a very cranky and starving baby cause everyone was like breast breast breast. I was not supling enought for him sorry for the misspelled word...
Was this inspired by the recent McDonald's commercial? I'd probably only play it if everyone ordered off of the Dollar Menu. It sounds exciting, but the payout's really not worth the risk to me. I'm on a tight budget and wouldn't want to spend my lunch money on someone else ;)
Yes. Financial literacy is essential for a functioning society. If half the rubes who took on ARMs had any financial education on how interest works, most would never have gone for the bait. But it will be an uphill battle- look for banks and credit cards to lobby against it- an ignorant populace means more money for them.
As far as teacher not being qualified: teachers do not teach math, english, or anything via instinct. They are educated and trained. Teachers can learn and train in this subject, just like any other.
As far as teachers not having time-build it in at first as an elective, not a requirement. Then change health class to "well being" class, and include fiscal health along with physical health. Or teach it home and careers.
I LOVE AND SWEAR BY colloidial silver. Since I've been using it, ALL my sinus and allergies have disappeared. Say what you will, the fact that I cleaned out my nedicine cabinet of ALL prescription medicinesand have been cold, sinus, sneeze, congested free for 7 years.
Zorcy,
Thanks for the comment/advice. I am keeping it at about 75 degrees, which is right at mid-range for the recommended temperature on the yeast. I let the air-lock completely stop burping before distillation. (which is only taking about 10 days) I do taste before dilstillation, and there is some sweetness, though not in a tasty way. More of a fermented, old fruit taste. I have heard some people say that it should taste "dry", and it is definitely not getting to that point. I have experimented, and found that I can get the same yield with about a %70 decrease in sugar. I am starting to think that my yeast is not performing to it's advertised potential. Once again, any further advice would be appreciated. Specifically, I would like to track down a step by step recipe/procedure for maximizing the ABV in my must. If anyone out there has a link, or access to that kind of recipe, I would be very excited.
You forgot black beans and white rice!!
Appreciate your post. I was checking for the reviews before I was about to spend $1800 on their site. I would now buy from Costco. THANK YOU!!
Also ethicalDeals and GreenDeals :)
Too random for me. I think this only works if you and your friends are near the same SES.
Yes, personal finance is the one subject I longed for in school and I was confused as to why it's not being offered. I had to meet up with my teacher outside of school to learn more about finance and investing. But wait a sec, aren't we studying for 12-16 years so we can build value and so we can earn money??
As many wealthy people know, the paycheck is not what makes someone rich. It is how you manage your money and how frugal you are that makes the difference! Read up on Warren Buffet and you'll know that he lives in a very small house, even though he's a billionaire. Money seems to be our life blood nowadays, and parents send their kids to college for their financial well being, so therefore, why ISN'T it taught in school? Look how many people run on debt, and overspend, even with 6 figure salaries! The simplest concepts have yet to be taught to our fellow Americans, the most obvious one being in order to build wealth, you must spend less than you earn.
This also occurred during the great depression long ago, but after the great depression was over, MANY PEOPLE learned to save and invest because they fully understood the consequences for not doing so! Then as that generation passed...the future generations became spenders again. It would benefit everyone to know their personal finance so that people can generate their own wealth rather than depend on the gov't to support them. It is a huge money sinkhole to try to support people financially (such as unemployment checks) when you can teach them how to build wealth. If you argue that unemployment checks are necessary, please understand that if you give people such a backup plan, then they will more likely fall back on the backup plan than to go the extra mile to build value or discover their strengths.
Of course, you cannot control how anyone spends their money. The education should be sufficient, though, so that they are aware of their options and available strategies.
If the subject is to be taught in schools, though, the teacher had better know what he/she's talking about! I do not meet enough people (even my last personal finance teacher in college) who know how to manage their money and live on debt or paycheck to paycheck. The personal finance teacher had better be wealthy, otherwise the students will be learning from the wrong person! :)
Of course, the library and internet allow us to study for ourselves. I've spent weeks researching how to invest in the market, and I have worked my way up to saving 30% of my paycheck for Roth IRA and Mutual fund investments! Many people are just not interested or confident enough to do the research, or maybe people don't even realize their financial situation is a huge problem! It would probably benefit the country as a whole if everyone was exposed to some kind of personal finance class before graduating high school.