Why use the santa napkins now? Hold them for the holidays next year. Or, like us, our soon-to-be-yearly summer Redneck BBQ, where mixed holidayware is IN!
I, too, like to snatch up seasonal items for a song at after-holiday prices--like cans of pumpkin, colorful paper products (though I prefer solids that can be used year-round), cards and stickers for use next year, and so on.
But that turkey you found was a real steal! You go girl!
I get everything you wrote and adore that you wrote it the way that you did. As someone working to make myself more financially savvy, it helps that I can read along without feeling like any of it is over my head. Maybe the readers that disagree with your tone should check in with another writer's page- personally, I am slightly a fan of this one. I'm working to move out of Lowcash into Millionaire Ville and look forward to reading your blog during the relocation. I am working on a project & would love your input- holla at me shawty! (I'm not a WB blogger so I don't have to explain anything!)
AM
a.k.a.
The T.V. Producer that gets & often speaks slang while making t.v. the masses enjoys
I can totally relate to this post. I have to pick and choose what I do, not due to my own limitations, but my daughters. She has a severe disability with seizures and needs a lot of care. I tried early on to do everything, but as she's gotten older, and less portable, I've had to make some decisions. But love to do and be and go. So I set some ground rules. I never put myself in the position where I'm indispensible. I always let people know my situation, that I could be called away at any moment, and I have to be home when she's not in school. Most people are very understanding, and even feel good about me working for them because they know they are helping me and my family (I do tech support for small business and individuals). They know I will do my best within that framework and they accept it up front.
I'm also a volunteer musician, but I never play a part where I'm a leader or playing a main instrument. That way, if I'm not there, the other instruments can carry along without me.
I'm also never in charge of anything. Managing my daughter's care and my home and family is enough. I also don't do things I dread. If I don't look forward to it, then I'm probably not going to do well at it.
I guess I used to feel guilty saying no to different "opportunities" but now I don't at all. I state my situation matter-of-factly, not whiny, and leave it at that. There are others who can do what I'm being asked to do.
I had to put things in perspective in my own head. My family comes first, and that's what I should be doing, not pleasing others. Like you said, I do what I can, when I can.
ok so what about saftey? I heard that a turkey cooker would work but was wondering how to keep it to where it wouldnt blow up. and if I were to add apples or corn etc would there be any diffrent ratios or would it just be something extra? Also youre saying if I just made it with yeast/sugar/water it wouldnt have the wood-alcohol effect and I wouldnt have to worry about going blind?
I've had a similar experience for the past few weeks after I slipped on ice and broke my ankle.
I was shocked to learn that I actually save money shopping online for groceries, because even though I make a list (always), I am hopeless at comparison shopping in the store and get easily distracted by "bad foods." After I bit the bullet and ordered groceries online, I found I was not tempted by things I shouldn't get and could choose deals much better when I could see everything and compare before deciding. I'm eating healthier and cheaper now.
I doubt I would have tried it without being unable to get out of the house.
You're right Barbara and I apologize. I was being more sardonic than vicious in my reply. I wasn't mad at all but I just couldn't resist. I love ad hom attacks because they make it so easy for me to ethernet them on the internets. You're also right that it's not typical WB posting and it's done that way so I can keep my own voice and also keep people guessing: I like to call it "intelligent ignorance." However, I want to take this oppotunity to tell you and all the other readers out there that from here on out, the posts will be accessible, concise and informative if not thought provoking and edited better as well. Sometimes, especially in informal posts like this, I do write the way I talk. My bad. Win some lose some. Keep reading though and thanks for your comment, no really, thank you.
Many retailers, who normally do not carry gift items throughout the rest of the year,decide to add gifts to their inventory for their fourth quarter.
For example, I have found good toys such as trucks, games, and project kits to stockpile for gifts throughout the year at large grocery stores, craft shops, autoparts shops, hardware stores,book stores and nurseries.
It is a good time to stop at these stores after the holidays because they are anxious to get rid of this inventory. Rarely does a retailer have the space to store the items until the next Christmas season.
I've made my son a 4x3 sand table for the house. I was looking for a cheap way to fill it with moon sand. We have been using it for construction and to make Hotwheel size monster truck tracks, atv race tracks, etc...But to make 50lbs and keeping it moist or cleaning up each time isn't practical...I just need to find a place to get it in a 5 Gal bucket or a 25lb bag. If anyone knows let me know.
Most reputable sources (including The Chicago Manual of Style, perhaps the most authoritative style guide available) agree that the "rule" about not ending a sentence in a preposition is long outdated and was, in fact, never meant to be a hard-and-fast rule in the first place. It is essentially a grammatical urban legend based on an essay by John Dryden.
A good and inexpensive way to clean your in-house air is to invest in a good quality furnace filter and set your furnace fan to run continuously. I have to change my filter more often but it costs a ton less than an expensive air cleaner would and it works on my whole house instead of just one room.
I had bought my kids a new 360 Xbox for Christmas and one of the brand new cd's got all screwed up. The kids tipped the system on it's side so it wouldn't fall off the stand and low and behold turned it upside down. Well, I guess you know the rest opf the story. I had tried everything I could think of to try to get this 360* mark out. Nothing worked. I could tell by rubbing across the cd that it was not a groove. For that I was thankful. I tried the toothpaste and I was shocked. They were able to play the game. They got half way through and it stopped and said it couldn't read disc again!! I took it out and buffed and buffed and I think we may have it taken care of. Thank's a lot for the great tip. You saved me a lot of money I really don't have right now!The kids are back to playing the rock band game and I can't honestly say I have peace now but,they are staying out of my hair and keeping busy and I don't have to go out and spend more money on another game.Thanks Again!!
Bwheaton
Striking back out at WB readers is really viscous. Everyone's got a right to their opinion, and the way this post is written definitely doesn't fit with the general WB vibe.
I also agree that this post could have been edited much better than it was. In one part, you have a total of two sentences for a 5-line paragraph. And writing in "slang" as if you were actually talking makes it much harder to follow. Because of how this is composed, it took three attempts of reading the entire thing to understand what you're trying to say here.
The idea behind this post is smart, but using phrases like "This joint right here" and "around that dolla-dolla bill" makes it sound ignorant.
"I earn my state minimum wage, which is pretty good evidence that I'm not making one cent more than I would make if I didn't have a degree."
Is that by choice or necessity? If necessity, I'm sorry the job situation where you live is so crappy.
Of course there are exceptions to the exceptions to the exceptions...a person could have a degree in, say, accounting, but absolutely love sales, and excel in that (partly because they love it). A person could have zero college education and thrive in sales and turn into Anthony Robbins overnight. My point is that if you have a degree and have a family or kids to support, or just flat need to earn a decent wage ($25 and up, by my standards), you are at least CONSIDERED for albeit loathesome executive-level jobs in many instances, because you have a degree. The rest of us have only clerical (reception, admin), labor, or sales to choose from. Again, I'm sure there is the very rare exception out there, but I've been trying (unsuccessfully) to prove that theory wrong now for 5 years.
But before anybody says to me "Boo-frickety-hoo, stop whining", I am going for my degree (in a science field you can't work in without the relevant qualifications), and am happy about that decision, even if it means getting loans or coughing up the dough myself through 2nd and 3rd jobs.
When it comes to deciding whether a Reverse Mortgage is a good investment or not, many senior homeowners don't really understand their options. For some, a reverse mortgage is a way out of debt, or a way to pay for a child's education. Others see a Reverse Mortgage as just another way for the bank to make money. The truth of the matter is, deciding whether a Reverse Mortgage is a good investment or not depends on the borrowers unique situation. This was definitely true for my aging parents, but it turns out, they made a good decision. My siblings and I had no interest in "inheriting" my parent's house and so it made sense for them to get a reverse mortgage. Once my parents pass on, the bank will get the house and all is well. In the meantime, the bank is paying them a nice monthly income which helps them pay bills and also to take a few vacations per year. They used M&T Bank's Reverse Mortgage, and the number there is: (888) 253-0712.
get a new computer, 45 minutes for it to download? lmao, nothing is worth 45 minutes, it shouldnt even take 45 seconds, no wonder your such an angry ****head. and you were ready to wet your pants? thats pathetic, are you five years old? dont get so worked up bro. damn. im thinking maybe you should be the one looking into therapy.
Bankers consider other "C's" as well:
Capital (the liquidity in your net worth)
Cashflow (sources of income - the more the merrier)
Context (what are you using the funds for?)
As a kid growing up, I remember learning that long ago people lived in "extended families" and that now "we" lived in "nuclear families". I can remember how strange it seemed to even think of having my grandparents living with me.
When I got married, I found that my wife's family had her grandfather living with them (actually, he went back and forth, living with each of his sons part of the time). It was a good arrangement that clearly benefited him, his sons, and the kids.
When my mom retired, we convinced her to come live with us. One of our criteria in selecting a house was to have a bedroom, bathroom, and kitchen all on the ground floor in anticipation that eventually mobility might be an issue. It has worked out extremely well for all of us.
Our society has a real horror of extended families and "losing our independence" which I think is sadly misplaced. It won't work for everyone, but I think it could work for a lot more people than are willing to try because of our culture's particular phobia about independence.
Sorting out ways of reducing taxable income is a good way to reduce tax payments. This is because one may or may no qualify for deductions or tax credits but if he can choose options to reduce taxes, then that's great.
Retirement plans such as 401k and the Roth are excellent ways to reduce taxes. At the same time, flexible spending accounts are with going for because you can get deductions on the contributions.
Why use the santa napkins now? Hold them for the holidays next year. Or, like us, our soon-to-be-yearly summer Redneck BBQ, where mixed holidayware is IN!
I, too, like to snatch up seasonal items for a song at after-holiday prices--like cans of pumpkin, colorful paper products (though I prefer solids that can be used year-round), cards and stickers for use next year, and so on.
But that turkey you found was a real steal! You go girl!
That sucks about the dairy and the wasted milk. Now if we were communists... :)
I get everything you wrote and adore that you wrote it the way that you did. As someone working to make myself more financially savvy, it helps that I can read along without feeling like any of it is over my head. Maybe the readers that disagree with your tone should check in with another writer's page- personally, I am slightly a fan of this one. I'm working to move out of Lowcash into Millionaire Ville and look forward to reading your blog during the relocation. I am working on a project & would love your input- holla at me shawty! (I'm not a WB blogger so I don't have to explain anything!)
AM
a.k.a.
The T.V. Producer that gets & often speaks slang while making t.v. the masses enjoys
I can totally relate to this post. I have to pick and choose what I do, not due to my own limitations, but my daughters. She has a severe disability with seizures and needs a lot of care. I tried early on to do everything, but as she's gotten older, and less portable, I've had to make some decisions. But love to do and be and go. So I set some ground rules. I never put myself in the position where I'm indispensible. I always let people know my situation, that I could be called away at any moment, and I have to be home when she's not in school. Most people are very understanding, and even feel good about me working for them because they know they are helping me and my family (I do tech support for small business and individuals). They know I will do my best within that framework and they accept it up front.
I'm also a volunteer musician, but I never play a part where I'm a leader or playing a main instrument. That way, if I'm not there, the other instruments can carry along without me.
I'm also never in charge of anything. Managing my daughter's care and my home and family is enough. I also don't do things I dread. If I don't look forward to it, then I'm probably not going to do well at it.
I guess I used to feel guilty saying no to different "opportunities" but now I don't at all. I state my situation matter-of-factly, not whiny, and leave it at that. There are others who can do what I'm being asked to do.
I had to put things in perspective in my own head. My family comes first, and that's what I should be doing, not pleasing others. Like you said, I do what I can, when I can.
Great post!
ok so what about saftey? I heard that a turkey cooker would work but was wondering how to keep it to where it wouldnt blow up. and if I were to add apples or corn etc would there be any diffrent ratios or would it just be something extra? Also youre saying if I just made it with yeast/sugar/water it wouldnt have the wood-alcohol effect and I wouldnt have to worry about going blind?
I've had a similar experience for the past few weeks after I slipped on ice and broke my ankle.
I was shocked to learn that I actually save money shopping online for groceries, because even though I make a list (always), I am hopeless at comparison shopping in the store and get easily distracted by "bad foods." After I bit the bullet and ordered groceries online, I found I was not tempted by things I shouldn't get and could choose deals much better when I could see everything and compare before deciding. I'm eating healthier and cheaper now.
I doubt I would have tried it without being unable to get out of the house.
You're right Barbara and I apologize. I was being more sardonic than vicious in my reply. I wasn't mad at all but I just couldn't resist. I love ad hom attacks because they make it so easy for me to ethernet them on the internets. You're also right that it's not typical WB posting and it's done that way so I can keep my own voice and also keep people guessing: I like to call it "intelligent ignorance." However, I want to take this oppotunity to tell you and all the other readers out there that from here on out, the posts will be accessible, concise and informative if not thought provoking and edited better as well. Sometimes, especially in informal posts like this, I do write the way I talk. My bad. Win some lose some. Keep reading though and thanks for your comment, no really, thank you.
Jabulani Leffall
Monetary Gadfly, Common Currency
00000 Broke Blvd. Kitchenette #68 & 1/2
Lowcash, CA 90000-0000
Last year my husband and I got a couple of boxes of Christmas cards for $1.00 each -they were regular $16.99. We haven't found anything that good yet.
The price of planners and calendars are starting to come down too so keep an eye out if you need one!
Great ideas in the post.
Many retailers, who normally do not carry gift items throughout the rest of the year,decide to add gifts to their inventory for their fourth quarter.
For example, I have found good toys such as trucks, games, and project kits to stockpile for gifts throughout the year at large grocery stores, craft shops, autoparts shops, hardware stores,book stores and nurseries.
It is a good time to stop at these stores after the holidays because they are anxious to get rid of this inventory. Rarely does a retailer have the space to store the items until the next Christmas season.
Doesn't Warren Buffett (or Berkshire Hathaway) own See's Candies?
No point...just asking?
I've made my son a 4x3 sand table for the house. I was looking for a cheap way to fill it with moon sand. We have been using it for construction and to make Hotwheel size monster truck tracks, atv race tracks, etc...But to make 50lbs and keeping it moist or cleaning up each time isn't practical...I just need to find a place to get it in a 5 Gal bucket or a 25lb bag. If anyone knows let me know.
The above commenter is both snarky and incorrect.
Most reputable sources (including The Chicago Manual of Style, perhaps the most authoritative style guide available) agree that the "rule" about not ending a sentence in a preposition is long outdated and was, in fact, never meant to be a hard-and-fast rule in the first place. It is essentially a grammatical urban legend based on an essay by John Dryden.
http://www.chicagomanualofstyle.org/CMS_FAQ/Prepositions/Prepositions04....
(By the way, great article!)
What if your job is all that, but there's no room for advancement and minimal pay because it's a small business?
Why are so many people unconcerned about privacy and the assualt on our freedoms as Americans?
A good and inexpensive way to clean your in-house air is to invest in a good quality furnace filter and set your furnace fan to run continuously. I have to change my filter more often but it costs a ton less than an expensive air cleaner would and it works on my whole house instead of just one room.
I had bought my kids a new 360 Xbox for Christmas and one of the brand new cd's got all screwed up. The kids tipped the system on it's side so it wouldn't fall off the stand and low and behold turned it upside down. Well, I guess you know the rest opf the story. I had tried everything I could think of to try to get this 360* mark out. Nothing worked. I could tell by rubbing across the cd that it was not a groove. For that I was thankful. I tried the toothpaste and I was shocked. They were able to play the game. They got half way through and it stopped and said it couldn't read disc again!! I took it out and buffed and buffed and I think we may have it taken care of. Thank's a lot for the great tip. You saved me a lot of money I really don't have right now!The kids are back to playing the rock band game and I can't honestly say I have peace now but,they are staying out of my hair and keeping busy and I don't have to go out and spend more money on another game.Thanks Again!!
Bwheaton
Striking back out at WB readers is really viscous. Everyone's got a right to their opinion, and the way this post is written definitely doesn't fit with the general WB vibe.
I also agree that this post could have been edited much better than it was. In one part, you have a total of two sentences for a 5-line paragraph. And writing in "slang" as if you were actually talking makes it much harder to follow. Because of how this is composed, it took three attempts of reading the entire thing to understand what you're trying to say here.
The idea behind this post is smart, but using phrases like "This joint right here" and "around that dolla-dolla bill" makes it sound ignorant.
minimum wage said:
"I earn my state minimum wage, which is pretty good evidence that I'm not making one cent more than I would make if I didn't have a degree."
Is that by choice or necessity? If necessity, I'm sorry the job situation where you live is so crappy.
Of course there are exceptions to the exceptions to the exceptions...a person could have a degree in, say, accounting, but absolutely love sales, and excel in that (partly because they love it). A person could have zero college education and thrive in sales and turn into Anthony Robbins overnight. My point is that if you have a degree and have a family or kids to support, or just flat need to earn a decent wage ($25 and up, by my standards), you are at least CONSIDERED for albeit loathesome executive-level jobs in many instances, because you have a degree. The rest of us have only clerical (reception, admin), labor, or sales to choose from. Again, I'm sure there is the very rare exception out there, but I've been trying (unsuccessfully) to prove that theory wrong now for 5 years.
But before anybody says to me "Boo-frickety-hoo, stop whining", I am going for my degree (in a science field you can't work in without the relevant qualifications), and am happy about that decision, even if it means getting loans or coughing up the dough myself through 2nd and 3rd jobs.
When it comes to deciding whether a Reverse Mortgage is a good investment or not, many senior homeowners don't really understand their options. For some, a reverse mortgage is a way out of debt, or a way to pay for a child's education. Others see a Reverse Mortgage as just another way for the bank to make money. The truth of the matter is, deciding whether a Reverse Mortgage is a good investment or not depends on the borrowers unique situation. This was definitely true for my aging parents, but it turns out, they made a good decision. My siblings and I had no interest in "inheriting" my parent's house and so it made sense for them to get a reverse mortgage. Once my parents pass on, the bank will get the house and all is well. In the meantime, the bank is paying them a nice monthly income which helps them pay bills and also to take a few vacations per year. They used M&T Bank's Reverse Mortgage, and the number there is: (888) 253-0712.
get a new computer, 45 minutes for it to download? lmao, nothing is worth 45 minutes, it shouldnt even take 45 seconds, no wonder your such an angry ****head. and you were ready to wet your pants? thats pathetic, are you five years old? dont get so worked up bro. damn. im thinking maybe you should be the one looking into therapy.
Bankers consider other "C's" as well:
Capital (the liquidity in your net worth)
Cashflow (sources of income - the more the merrier)
Context (what are you using the funds for?)
As a kid growing up, I remember learning that long ago people lived in "extended families" and that now "we" lived in "nuclear families". I can remember how strange it seemed to even think of having my grandparents living with me.
When I got married, I found that my wife's family had her grandfather living with them (actually, he went back and forth, living with each of his sons part of the time). It was a good arrangement that clearly benefited him, his sons, and the kids.
When my mom retired, we convinced her to come live with us. One of our criteria in selecting a house was to have a bedroom, bathroom, and kitchen all on the ground floor in anticipation that eventually mobility might be an issue. It has worked out extremely well for all of us.
Our society has a real horror of extended families and "losing our independence" which I think is sadly misplaced. It won't work for everyone, but I think it could work for a lot more people than are willing to try because of our culture's particular phobia about independence.
Bob, thanks for the links to the white papers -- looks like you have info on taxes and more.
Jessica, thanks for the mention of flexible spending accounts; that may be a topic for a future post.
Sorting out ways of reducing taxable income is a good way to reduce tax payments. This is because one may or may no qualify for deductions or tax credits but if he can choose options to reduce taxes, then that's great.
Retirement plans such as 401k and the Roth are excellent ways to reduce taxes. At the same time, flexible spending accounts are with going for because you can get deductions on the contributions.
Regards,
Jessica
Well said. :}