hey everyone!!..dont over react about something thats worthless...besides there a thousands of uncle sam in the US..the wont be able to steal ur identity if they dont ur social and dob..they're just kind...a card could cost $10, so are u gonna shred ur $10???..duh
I agree, but I think too many people are reading this word for word and not hearing the ironic tone this guy is taking with this stuff. My sense from reading this is that he doesn't believe the current system works or that the indicators tell us anything and that actually it is simply a matter of how we feel and that we might be making too much of a big deal of this recession. I think the author even commented to that effect.
That's not fair. This isn't BS for 70% of the population in business. Reality is perception that's it. I'd like to see your reaction to do different men when you don't know anyone's watching and see how you react to a well-dressed man and a disheveled man and what your honest perception would be. I don't think he's trying to say a suit gives you character or that he's trying to advocate fashion to make a man. I think he's saying if you're looking to play the game, play the game well. At least I think that's what he's trying to say. But if you read this guy's other stuff, I don't think he's shallow like that.
1) Get caller I.D. & only answer calls you recognize - if it's an 800 # or some unknown area code, let it go to voice mail. (We also have cell phones, & most of our friends call on the cells.)But in my case it's usually my friends who have blocked #s -
2) If you do pick up - you can tell it's a call center because there will be a lag of silence - or distant chatter - so hang up.
3) If someone gets thru- as a former telephone worker myself, I say that I sympathize with them & their hard job, but I am not a prospect & they should expend their energy on someone would would be!
Hubby & I have discovered that if you MICROWAVE stiff French bread briefly that it heats and softens it.
And if you want to make soup less salty - add vegetables, which would require salting - & it will be less salty - you are just trying to stretch the broth to restore normal balance between broth & salt - so also add more unsalty liquid - water and/or wine.
I was so glad to see this post. Some people just don't know where to begin. While I agree a spreadsheet can be effective, there's a new Web site that will do it for you--and save information over time to track changes. It's http://www.debtspark.com. It gives you a quick, clear snapshot of income, debt and expenses. It's very easy to use and helpful for starting off this daunting process.
I save money by not buying new clothes for 5 years, I just buy like 50 clothes when they are 90% of for $1000 in 5 years, rest of money goes into savings account.. it compounds nicely.
Or, just look at the caller ID and don't pick up if its not a number you recognize or shows as anonymous or blocked. If a number was shown in the caller ID and they call repeatedly and don't leave a message, add it to your blocked number list. Problem solved. Works on charities and political organizations, too!
I appreciate the attempt to empathize with the telemarketer but they are still annoying the crap out of you. These people did not have a gun to their heads to get these jobs. They know what they are getting into. If you want to be just as annoying to them then I say go for it, game on!
We were really hurting from the debt of medical bills. I finally realized that I could get most of it paid off by cashing in an annuity I had started before I got married. Now my retirement is tied into my husband's but his is better anyway. I distributed the payment to pay off most of the high interest debt, put a down payment on a used vehicle and restock our emergency fund. The car dealer got us 4.9 financing and what is left of the debt is on a 0% account. I do online surveys and use the points to "buy" new stuff and gift cards to give out at the holidays. I used a gift card that I won through a work contest to get a new toaster oven. My husband is a real spender and all the frugality has been hard on him but he has learned to shop harder and not just accept the full price.
To keep celery fresh in the fridge longer, wrap it in aluminum foil. I've tried this, and it stays crunchy for almost 2 weeks, and good enough to use in cooked dishes for over a month. I haven't tried this with any other veggies, but I'll have to do some experimenting.
My family got our H1N1 vaccines for free at a public health vaccination site. None of us had side-effects, except the 2-year-old, who ran a low-grade fever for a few hours and then was fine.
It was easy, free, and great insurance for the coming months. Rarely is protecting your health so cheap or easy!
I've now seen this information on snopes and around as a hoax. So maybe this doctor didn't start these tips circulating, but I still don't think just because it's listed on snopes that it automatically means none of it could help.
My child's school sent home a letter that included these tips and more, and credited them to this particular doctor. I saw no harm in passing on some of the tips that seemed helpful to me when I read them, and guess I was mistaken for thinking the school would be sending home accurate information.
So, if the doctor mentioned in this article doesn't believe in these tips for preventing illness, and never said them - my sincere apologies.
Nice round up of the basics of budgeting. I do agree with Brian (1st comment) in that it's good to have a goal, something you're working towards. Maybe it's a fully-funded emergency fund, a vacation, a major purchase. Budgeting ultimately means saving, and having checkmarks along the way makes a huge difference.
I could not function without Google Docs at this point - I hack my entire life. But I think the people above have a good point. Not everyone is into recording minutia. Some people are "big picture" people. I don't understand them much because I'm a crunch-the-numbers person but they do exist. There are always multiple solutions to personal problems.
That said, I wholeheartedly am for recording every single penny of income and expenses. I have been doing this since Jan. 1 this year and I LOVE the ability to analyze my expenses. Since I have everything in (Google) Excel, I can make all manner of graphs, see how my spending has changed from month to month in every single category. For instance, of all my expenses, 7% this year has gone to "vacation." That blows me away but I have to say my vacations have been some of my favorite parts of the year... it's probably totally worth it.
It's awesome to KNOW where my money is going as opposed to having a HUNCH.
The potato-to-rescue-a-salty-soup thing is just an old wives' tale. It has been debunked a bazillion times; see here for example: http://www.washingtonpost.com/ac2/wp-dyn?pagename=article&node=&contentI...
All the potato does is absorb some salty broth -- the remaining broth is still just as salty as it was.
I've read this is a hoax too. My issue isn't that you're suggesting these methods (I think they could work) but that you're misleading people by writing an article based on a false report. It's one thing to say "I read these ideas and think they could work", it's another to say "a doctor said to do this" when the doctor did no such thing.
I like your writing, and I'd hate to see a mistake like this damage your credibility.
While keeping track of expenses is an important part of creating a budget, I disagree that it is the first step. In my mind, the first step is creating goals. Without goals, the budget has little meaning, and can feel restricting. With goals, the budget takes on meaning. Committing to the goals means you will commit to the budget.
For example, "I want to go to Paris next year" is a goal; now you have a reason to budget enough money to make that dream a reality.
Even "I don't want to overspend my paycheck," or "I want to get out of debt" are goals.
It's important to have a reason to budget before you even begin the process.
When I first met my sweetie he had a mess of polyester ties. You know, the "machine washable" kind old men wear that camouflage mustard and catsup dribbles. Now he has Italian silk. A drawer full. All for a $1 or less apiece. With a crisp white shirt and standard blue blazer (with brass buttons) that one accessory really spiffs up an outfit.
If you are still waiting 5 days, pull it off the yeast that has settled. The collection at the bottum. Put it in another container with the air lock for the next 5 days. It will clear some more and there will be less taste carry over to the distillant.
File a complaint with the FTC and/or file a complaint with the FCC.
This would be a very slow mac with a 1.0 Ghz processor.
Very undesireable.
hey everyone!!..dont over react about something thats worthless...besides there a thousands of uncle sam in the US..the wont be able to steal ur identity if they dont ur social and dob..they're just kind...a card could cost $10, so are u gonna shred ur $10???..duh
I agree, but I think too many people are reading this word for word and not hearing the ironic tone this guy is taking with this stuff. My sense from reading this is that he doesn't believe the current system works or that the indicators tell us anything and that actually it is simply a matter of how we feel and that we might be making too much of a big deal of this recession. I think the author even commented to that effect.
That's not fair. This isn't BS for 70% of the population in business. Reality is perception that's it. I'd like to see your reaction to do different men when you don't know anyone's watching and see how you react to a well-dressed man and a disheveled man and what your honest perception would be. I don't think he's trying to say a suit gives you character or that he's trying to advocate fashion to make a man. I think he's saying if you're looking to play the game, play the game well. At least I think that's what he's trying to say. But if you read this guy's other stuff, I don't think he's shallow like that.
1) Get caller I.D. & only answer calls you recognize - if it's an 800 # or some unknown area code, let it go to voice mail. (We also have cell phones, & most of our friends call on the cells.)But in my case it's usually my friends who have blocked #s -
2) If you do pick up - you can tell it's a call center because there will be a lag of silence - or distant chatter - so hang up.
3) If someone gets thru- as a former telephone worker myself, I say that I sympathize with them & their hard job, but I am not a prospect & they should expend their energy on someone would would be!
Hubby & I have discovered that if you MICROWAVE stiff French bread briefly that it heats and softens it.
And if you want to make soup less salty - add vegetables, which would require salting - & it will be less salty - you are just trying to stretch the broth to restore normal balance between broth & salt - so also add more unsalty liquid - water and/or wine.
I was so glad to see this post. Some people just don't know where to begin. While I agree a spreadsheet can be effective, there's a new Web site that will do it for you--and save information over time to track changes. It's http://www.debtspark.com. It gives you a quick, clear snapshot of income, debt and expenses. It's very easy to use and helpful for starting off this daunting process.
I save money by not buying new clothes for 5 years, I just buy like 50 clothes when they are 90% of for $1000 in 5 years, rest of money goes into savings account.. it compounds nicely.
Or, just look at the caller ID and don't pick up if its not a number you recognize or shows as anonymous or blocked. If a number was shown in the caller ID and they call repeatedly and don't leave a message, add it to your blocked number list. Problem solved. Works on charities and political organizations, too!
I appreciate the attempt to empathize with the telemarketer but they are still annoying the crap out of you. These people did not have a gun to their heads to get these jobs. They know what they are getting into. If you want to be just as annoying to them then I say go for it, game on!
We were really hurting from the debt of medical bills. I finally realized that I could get most of it paid off by cashing in an annuity I had started before I got married. Now my retirement is tied into my husband's but his is better anyway. I distributed the payment to pay off most of the high interest debt, put a down payment on a used vehicle and restock our emergency fund. The car dealer got us 4.9 financing and what is left of the debt is on a 0% account. I do online surveys and use the points to "buy" new stuff and gift cards to give out at the holidays. I used a gift card that I won through a work contest to get a new toaster oven. My husband is a real spender and all the frugality has been hard on him but he has learned to shop harder and not just accept the full price.
Another use for older fruit is smoothies and baked goods - past ripe bananas are the best.
To keep celery fresh in the fridge longer, wrap it in aluminum foil. I've tried this, and it stays crunchy for almost 2 weeks, and good enough to use in cooked dishes for over a month. I haven't tried this with any other veggies, but I'll have to do some experimenting.
My family got our H1N1 vaccines for free at a public health vaccination site. None of us had side-effects, except the 2-year-old, who ran a low-grade fever for a few hours and then was fine.
It was easy, free, and great insurance for the coming months. Rarely is protecting your health so cheap or easy!
If ever there was proof that "reality is just an illusion", this bs mindset is it. Glad to see we still judge books by their covers!
I've always wondered... The clothes make the man *what*, exactly?
I've now seen this information on snopes and around as a hoax. So maybe this doctor didn't start these tips circulating, but I still don't think just because it's listed on snopes that it automatically means none of it could help.
My child's school sent home a letter that included these tips and more, and credited them to this particular doctor. I saw no harm in passing on some of the tips that seemed helpful to me when I read them, and guess I was mistaken for thinking the school would be sending home accurate information.
So, if the doctor mentioned in this article doesn't believe in these tips for preventing illness, and never said them - my sincere apologies.
Nice round up of the basics of budgeting. I do agree with Brian (1st comment) in that it's good to have a goal, something you're working towards. Maybe it's a fully-funded emergency fund, a vacation, a major purchase. Budgeting ultimately means saving, and having checkmarks along the way makes a huge difference.
I could not function without Google Docs at this point - I hack my entire life. But I think the people above have a good point. Not everyone is into recording minutia. Some people are "big picture" people. I don't understand them much because I'm a crunch-the-numbers person but they do exist. There are always multiple solutions to personal problems.
That said, I wholeheartedly am for recording every single penny of income and expenses. I have been doing this since Jan. 1 this year and I LOVE the ability to analyze my expenses. Since I have everything in (Google) Excel, I can make all manner of graphs, see how my spending has changed from month to month in every single category. For instance, of all my expenses, 7% this year has gone to "vacation." That blows me away but I have to say my vacations have been some of my favorite parts of the year... it's probably totally worth it.
It's awesome to KNOW where my money is going as opposed to having a HUNCH.
The potato-to-rescue-a-salty-soup thing is just an old wives' tale. It has been debunked a bazillion times; see here for example: http://www.washingtonpost.com/ac2/wp-dyn?pagename=article&node=&contentI...
All the potato does is absorb some salty broth -- the remaining broth is still just as salty as it was.
I've read this is a hoax too. My issue isn't that you're suggesting these methods (I think they could work) but that you're misleading people by writing an article based on a false report. It's one thing to say "I read these ideas and think they could work", it's another to say "a doctor said to do this" when the doctor did no such thing.
I like your writing, and I'd hate to see a mistake like this damage your credibility.
And I am so envious of your last name ;)
You have correctly identified the main reasons why a lot of budgets don't work!
While keeping track of expenses is an important part of creating a budget, I disagree that it is the first step. In my mind, the first step is creating goals. Without goals, the budget has little meaning, and can feel restricting. With goals, the budget takes on meaning. Committing to the goals means you will commit to the budget.
For example, "I want to go to Paris next year" is a goal; now you have a reason to budget enough money to make that dream a reality.
Even "I don't want to overspend my paycheck," or "I want to get out of debt" are goals.
It's important to have a reason to budget before you even begin the process.
When I first met my sweetie he had a mess of polyester ties. You know, the "machine washable" kind old men wear that camouflage mustard and catsup dribbles. Now he has Italian silk. A drawer full. All for a $1 or less apiece. With a crisp white shirt and standard blue blazer (with brass buttons) that one accessory really spiffs up an outfit.
If you are still waiting 5 days, pull it off the yeast that has settled. The collection at the bottum. Put it in another container with the air lock for the next 5 days. It will clear some more and there will be less taste carry over to the distillant.