I only watched the first one, but it didn't seem ligit at all. I have worked in retail before and I always count the money, as most people do. This is fake. Sorry guys.
I think you did the right thing in telling her - kids have to learn some time that they're (people in general!) are viewed as consumers in stores, and assessed in terms of their spending potential. If she knows now, she won't get sucked into the spending trap!
"Is it possible for those who've had negative experiences with credit card debt to eventually develop a more favorable opinion of credit cards?"
I would have to say yes to that, at least in our case. We got into so much trouble eons ago with cc debt that we ended up in bankruptcy court. That was followed by years of staying vehemently away from credit cards. UNTIL we were in the enviable position of being okay-off financially and with the understanding that any cc use would be paid off in full each month, never again would any cc we have carry a balance. With that hard and fast rule in place, we now have a Upromise cc from BofA that has helped us accumulate about $1500 in "free" rewards money towards our son's college tuition bills. When he's done with school, we'll use a different card that rewards us in some other way (like my Starbucks cc - can't ever have too much coffee :) ). So it is possible to overcome the aversion that cc debt usually leads to. But it takes work, time and commitment, like most everything else worth achieving.
I have fed withholding set so that I owe/get back +/- ~$0.
State is a bit trickier, because I'm still consistently confused by NY state taxes, but I get back a little every year.
I almost always file during the beginning of Feb - as soon as I get a W2 and any other random forms. It also means that I pretty much always get any refunds by the end of the month.
I agree, everyone has their own way of dealing with debt, which is why there are so many websites, blogs, and companies dedicated to this area of expertise.
Unfortunately, my employer doesn't do direct deposit. It's not too big of a hassle, because my bank (USAA) let's you scan your checks and deposit online, which is really handy. But I don't really go for the "pay myself first" thing. I get paid once a month (which is a pain) so by that time, I've gotten all my bills. I typically pay all my bills with a credit card (small rewards, but every little bit helps) so at the end of the month I pretty much just have my rent and the credit card bills. I could take a portion of my check and "save" it immediately, but if the remainder isn't enough to cover the bills, I have to take it back out of savings anyway.
My financial strategy keeps shifting. When I had to buy a new (used) car because my truck died beyond fiscally reasonable repair, for the first year I focused on paying down the loan. It's a five year loan, 4.9% (thank you, credit history) and about $270 a month. I've since read about focusing on the total cost instead of the monthly payments, but my reasoning is that that pitfall only really applies if you're only going to be paying the minimum. With the lower payment, I can easily pay down the loan, while still having wiggle room if my financial situation changes. I think it's better to be able to pay $500 optionally on a $270 payment than it is to have to pay $500. Since then, my job situation seems less certain, so I've shifted to paying the minimum payment on the car and focusing on building my emergency fund. But that first year of overpayment put me about a year ahead on my car, so If it really hits the fan I can go about a year without making a payment, according to my bank. At the same time I'm trying to save some money separately to invest, which I'd be doing now if the funds I'm looking at didn't have a minimum initial investment.
All in all, I think I'm on the right track. It just seems to go so slowly.
"From burgers to baby back ribs, Chili's serves up some of the saltiest and fattiest fare. Also on the list of worst bugers in America, their Smokehouse Bacon Triple Cheese Big Mouth Burger has 3,810 mg of sodium and 122 grams of fat."
Chili's also seems to be serving "bugers." It isn't the fat nor the calories that makes these places unhealthy, it's the "bugers!"
All of these "paintless" repair methods all leave some trace of the dent to some degree (unless the dent was very minor). The dry ice and heating techniques will actually damage paint in some cases, which may not show until later. Nothings is better than good old body and fender work.
I'm with all the people who suggested a double-edged razor for the faint of heart who may be leery of a straight razor. After I bought my husband a '57 Super Speed on eBay for $15 (with blades) 2 years ago, I was so impressed with how well it cut through his heavy beard that I bought myself a Lady Gillette Blue Star, which I now use regularly. It does take some getting used to, but it's worth it for the smoother shave and cost savings.
The important thing is to try a variety of blades with your razor - each type of DE razor has a unique level of "agressiveness" (how close it cuts to the skin), and different skin types and beard thicknesses will respond differently. A different brand of blade may adjust the agressiveness of a razor. My husband uses Personna Plantinums in his Super Speed; I like Red Label Personnas in my Lady Gillette for their value and availability.
I do recommend that if you're thinking of switching you check out www.badgerandblade.com. I got a lot of help over there when I was choosing a kit to surprise my husband with. The forum members are really knowledgeable and willing to help newbies, and the product reviews help give you an idea of what your options are.
I had a problem with credit card debt throughout my twenties and spent the better part of my thirties resolving it. I do have a positive relationship with credit cards because I realized what drove my initial problems:
1. I did not understand that minimum payments could go up a lot, interest rates could increase, and that my credit lines would not just keep going up and up like they did the first couple of times I approached my limits.
2. I falsely believed, due to the way I was raised, that having debt was just something adults did.
3. I also falsely believed that having good credit was like getting an income extension. I was still in school mode...if your grades were high enough, you got to skip the final! If you pay your bills on time, you get extra money!
4. My parents were unsupportive of me financially as an outgrowth of their lack of emotional support, and also relative to those of my friends at school. I used credit cards to match my friends' lifestyle because not having the things and experiences they did was like rubbing salt into an open wound. I tried to replace parental love with credit lines from Chase, Citibank, anyone!
Now I have three credit cards, each with a specific purpose, and I pay my debt in full each month unless I have a specific reason not to...such as beefing up savings, as per Suze Orman...and in that case I still have a realistic timetable and plan for how to keep the balance low and eventually pay it off. I had to address the emotional and the factual issues first, though. If I didn't understand the facts, I could have messed up without any emotional issues. If I understood how it all worked but was still trying to replace love or buy adulthood, I would still be getting in trouble.
I've found that a very strict write-every-penny-down budgeting system allows me to pay myself twice. First when I take out my "base level" savings (about 7% of my take-home pay) and then later, after I've accounted for every penny I've spent and have a (sometimes) big chunk of money sitting in my checking account that didn't go to other things. All of that either goes to student loans, once every few months, or directly into savings.
Writing down every penny works for me to build up an additional savings amount I can throw in the bucket at the end of the month and no "makeup" spending on things like eating out or clothes just because I didn't get around to spending the budgeted money earlier in the month.
Great article though I would not recommend a straight razor because they are far too dangerous in the hands of the inexperienced fella who wants to change from the disposable cartridges. These guys are use to applying pressure to get a half decent shave from poor quality multi blade systems. Better to progress through a safety razor like the Goodfella see www.goodfella.com and gain some experience and confidence before attempting to use a cut throat.
If you do not want to change the region code on your Mac according to different region DVD, the best choice would be having an external driver. So your copy software must support external driver.
As I know, Mac DVD Copy Pro support external driver.
According to me saving money is very important factor, so we have to see all small things from which we can save single penny. This recession applies to household expenses. Check out some ways for saving like always look for sale, don't use bottled water, always buy from same shop. Evey person should inculcate the habit of savings for brighter and secured future. For more details on saving money refer http://www.prime-targeting.com/tips-on-saving-money-on-household-expenses/
I am an all-whole-wheat-lots-of-fruits-and-veggies-slender-exercisin' kinda gal, but I find this sort of nannying irritating. I really don't think it matters whether restaurants post this information. People will eat what they want. We need to be responsible for ourselves.
I agree with a previous comment... a good list would be of healthy places. I can pretty much figure out the ones that aren't health.
Just as a side note -- and unrelated to this post or the writer -- but between posts about how to save money at Starbucks (which if I don't go there to begin with, I would really save more), buying old fashion razor blades (just to save me a few bucks in my lifetime, and may I add with fuzzy math), how to use my car alarm to chase home intruders away (what?), silly posts about cinco de mayo, and some of the writers dominating and controlling the comment sections (threatening to delete them!), Wise Bread it's becoming a huge waste of time. I have been a reader for the longest time... I would like to see more quality... there's more quantity now... anyways, feel free to call me crazy now.
Has anyone tried any of these methods? Do they really work?
Thanks for the information, thankfully i dont eat at any of those places... but im sure other fast food is right up there with those...
I only watched the first one, but it didn't seem ligit at all. I have worked in retail before and I always count the money, as most people do. This is fake. Sorry guys.
This seems very complicated, especially the overseas part. I still think honesty is the best policy.
Hahahaha this is awesome! I so would like to try these! Thanks for the post here!
I think you did the right thing in telling her - kids have to learn some time that they're (people in general!) are viewed as consumers in stores, and assessed in terms of their spending potential. If she knows now, she won't get sucked into the spending trap!
"Is it possible for those who've had negative experiences with credit card debt to eventually develop a more favorable opinion of credit cards?"
I would have to say yes to that, at least in our case. We got into so much trouble eons ago with cc debt that we ended up in bankruptcy court. That was followed by years of staying vehemently away from credit cards. UNTIL we were in the enviable position of being okay-off financially and with the understanding that any cc use would be paid off in full each month, never again would any cc we have carry a balance. With that hard and fast rule in place, we now have a Upromise cc from BofA that has helped us accumulate about $1500 in "free" rewards money towards our son's college tuition bills. When he's done with school, we'll use a different card that rewards us in some other way (like my Starbucks cc - can't ever have too much coffee :) ). So it is possible to overcome the aversion that cc debt usually leads to. But it takes work, time and commitment, like most everything else worth achieving.
I have fed withholding set so that I owe/get back +/- ~$0.
State is a bit trickier, because I'm still consistently confused by NY state taxes, but I get back a little every year.
I almost always file during the beginning of Feb - as soon as I get a W2 and any other random forms. It also means that I pretty much always get any refunds by the end of the month.
I agree, everyone has their own way of dealing with debt, which is why there are so many websites, blogs, and companies dedicated to this area of expertise.
Unfortunately, my employer doesn't do direct deposit. It's not too big of a hassle, because my bank (USAA) let's you scan your checks and deposit online, which is really handy. But I don't really go for the "pay myself first" thing. I get paid once a month (which is a pain) so by that time, I've gotten all my bills. I typically pay all my bills with a credit card (small rewards, but every little bit helps) so at the end of the month I pretty much just have my rent and the credit card bills. I could take a portion of my check and "save" it immediately, but if the remainder isn't enough to cover the bills, I have to take it back out of savings anyway.
My financial strategy keeps shifting. When I had to buy a new (used) car because my truck died beyond fiscally reasonable repair, for the first year I focused on paying down the loan. It's a five year loan, 4.9% (thank you, credit history) and about $270 a month. I've since read about focusing on the total cost instead of the monthly payments, but my reasoning is that that pitfall only really applies if you're only going to be paying the minimum. With the lower payment, I can easily pay down the loan, while still having wiggle room if my financial situation changes. I think it's better to be able to pay $500 optionally on a $270 payment than it is to have to pay $500. Since then, my job situation seems less certain, so I've shifted to paying the minimum payment on the car and focusing on building my emergency fund. But that first year of overpayment put me about a year ahead on my car, so If it really hits the fan I can go about a year without making a payment, according to my bank. At the same time I'm trying to save some money separately to invest, which I'd be doing now if the funds I'm looking at didn't have a minimum initial investment.
All in all, I think I'm on the right track. It just seems to go so slowly.
"From burgers to baby back ribs, Chili's serves up some of the saltiest and fattiest fare. Also on the list of worst bugers in America, their Smokehouse Bacon Triple Cheese Big Mouth Burger has 3,810 mg of sodium and 122 grams of fat."
Chili's also seems to be serving "bugers." It isn't the fat nor the calories that makes these places unhealthy, it's the "bugers!"
"Their Double Cheeseburger is one of the worst in the country with 116 grams of fat and made it to the list of worst bugers in America."
Really? Bugers? Let's use a spell checker.
All of these "paintless" repair methods all leave some trace of the dent to some degree (unless the dent was very minor). The dry ice and heating techniques will actually damage paint in some cases, which may not show until later. Nothings is better than good old body and fender work.
I'm with all the people who suggested a double-edged razor for the faint of heart who may be leery of a straight razor. After I bought my husband a '57 Super Speed on eBay for $15 (with blades) 2 years ago, I was so impressed with how well it cut through his heavy beard that I bought myself a Lady Gillette Blue Star, which I now use regularly. It does take some getting used to, but it's worth it for the smoother shave and cost savings.
The important thing is to try a variety of blades with your razor - each type of DE razor has a unique level of "agressiveness" (how close it cuts to the skin), and different skin types and beard thicknesses will respond differently. A different brand of blade may adjust the agressiveness of a razor. My husband uses Personna Plantinums in his Super Speed; I like Red Label Personnas in my Lady Gillette for their value and availability.
I do recommend that if you're thinking of switching you check out www.badgerandblade.com. I got a lot of help over there when I was choosing a kit to surprise my husband with. The forum members are really knowledgeable and willing to help newbies, and the product reviews help give you an idea of what your options are.
I had a problem with credit card debt throughout my twenties and spent the better part of my thirties resolving it. I do have a positive relationship with credit cards because I realized what drove my initial problems:
1. I did not understand that minimum payments could go up a lot, interest rates could increase, and that my credit lines would not just keep going up and up like they did the first couple of times I approached my limits.
2. I falsely believed, due to the way I was raised, that having debt was just something adults did.
3. I also falsely believed that having good credit was like getting an income extension. I was still in school mode...if your grades were high enough, you got to skip the final! If you pay your bills on time, you get extra money!
4. My parents were unsupportive of me financially as an outgrowth of their lack of emotional support, and also relative to those of my friends at school. I used credit cards to match my friends' lifestyle because not having the things and experiences they did was like rubbing salt into an open wound. I tried to replace parental love with credit lines from Chase, Citibank, anyone!
Now I have three credit cards, each with a specific purpose, and I pay my debt in full each month unless I have a specific reason not to...such as beefing up savings, as per Suze Orman...and in that case I still have a realistic timetable and plan for how to keep the balance low and eventually pay it off. I had to address the emotional and the factual issues first, though. If I didn't understand the facts, I could have messed up without any emotional issues. If I understood how it all worked but was still trying to replace love or buy adulthood, I would still be getting in trouble.
I've found that a very strict write-every-penny-down budgeting system allows me to pay myself twice. First when I take out my "base level" savings (about 7% of my take-home pay) and then later, after I've accounted for every penny I've spent and have a (sometimes) big chunk of money sitting in my checking account that didn't go to other things. All of that either goes to student loans, once every few months, or directly into savings.
Writing down every penny works for me to build up an additional savings amount I can throw in the bucket at the end of the month and no "makeup" spending on things like eating out or clothes just because I didn't get around to spending the budgeted money earlier in the month.
Great article though I would not recommend a straight razor because they are far too dangerous in the hands of the inexperienced fella who wants to change from the disposable cartridges. These guys are use to applying pressure to get a half decent shave from poor quality multi blade systems. Better to progress through a safety razor like the Goodfella see www.goodfella.com and gain some experience and confidence before attempting to use a cut throat.
Hardees is the same as Carl's Jr I believe. Man I eat at Chevy's all the time and get super super stuffed. My baby is built out of junk food.
If you do not want to change the region code on your Mac according to different region DVD, the best choice would be having an external driver. So your copy software must support external driver.
As I know, Mac DVD Copy Pro support external driver.
same thi9ng happened to me, broke my damn dare. now i ONLY get reception if a paper clip is in there!!!!!! FUH
According to me saving money is very important factor, so we have to see all small things from which we can save single penny. This recession applies to household expenses. Check out some ways for saving like always look for sale, don't use bottled water, always buy from same shop. Evey person should inculcate the habit of savings for brighter and secured future. For more details on saving money refer http://www.prime-targeting.com/tips-on-saving-money-on-household-expenses/
I am an all-whole-wheat-lots-of-fruits-and-veggies-slender-exercisin' kinda gal, but I find this sort of nannying irritating. I really don't think it matters whether restaurants post this information. People will eat what they want. We need to be responsible for ourselves.
I agree with a previous comment... a good list would be of healthy places. I can pretty much figure out the ones that aren't health.
Just as a side note -- and unrelated to this post or the writer -- but between posts about how to save money at Starbucks (which if I don't go there to begin with, I would really save more), buying old fashion razor blades (just to save me a few bucks in my lifetime, and may I add with fuzzy math), how to use my car alarm to chase home intruders away (what?), silly posts about cinco de mayo, and some of the writers dominating and controlling the comment sections (threatening to delete them!), Wise Bread it's becoming a huge waste of time. I have been a reader for the longest time... I would like to see more quality... there's more quantity now... anyways, feel free to call me crazy now.
Out.
::stomach growls::
But really no Hardees on the list?
Talk about a post guaranteed to make you hungry!