I've known this for a long time.
Like 8 years or so back, I had a paper route, along with my brothers, and each newspaper had an advertisement in it with the Monopoly coupons, which we took out. ;)
Every year, we quickly filled up the entire board, except for one in each set.
After several years of the same results, we concluded that the missing coupons were practically impossible, so we gave up.
Got tons of free food though. D:
Something not touched on in this post is that there are frequently more tangible benefits to localization. Consider food production specifically:
There are several non-trivial, but also non-monetary costs associated with centralized food production. (1) Shipping food from a centralized location can create a massive carbon footprint . And (2) factory farming methods are a proven drain on the land being farmed and on land downstream.
Of course, your final analysis is the only reasonable one. We'll continue to tend towards methods that utilize centralized specialization in more and more benign ways while distributing the rest of the work.
the only thing that drives me nuts about bandanas is once you wash them they are no longer a perfect square due to shrinkage in one direction. on some projects that would make a difference.
We live in Minnesota in an old house with wood windows. For about 10 years we used the plastic shink wrap on the windows to make the house livable. Then we invested in replacing all the windows with energy efficient windows. What an amazing difference in both heating costs and comfort. Last fall we invested in a good storm door. We felt an immediate difference - no more drafts coming in under the front door. Next on the list is a new back storm door.
When we were growing up we always used bandanas to tie up our hair and keep it clean. They make great makeshift bibs for toddlers {tell them you are playing cowboys
hey guys i just thought what if.. they just put the 32s in columns and ten just did the parallel wiring in the base so then the could wire them parallel without wires running up and dwn the entire thing.
I don't want to try to speak for Steven, but I will make two observations.
The first is that I'm not advocating for an expensive-energy world. I'm suggesting that an expensive-energy world is in the cards whether we want it or not--and saying that it's not going to be as bad as the average person might suspect.
The second is that I'm not nearly as pessimistic as you seem to be about the danger of a violent result. Gasoline will continue to be available for the foreseable future, it'll just gradually get more and more expensive. No doubt some people will steal it--people already do--but lots of things have become suddenly expensive in the past, and it has hardly ever produced the sort of collapse of social norms that you seem to fear.
A world were energy is more expensive will be a harder place to live. People can make it easier on themselves if they anticipate the changes and arrange their lives with those changes in mind. Helping people do that anticipating--and making the case that it isn't such a terrible future as all that--is my main goal in writing this article.
I never used to check bags and would travel with only a carry-on. However, with the new TSA rules for liquids, I've not quite figured out how to do this and still take makeup, shampoo, soap, lotion, razor, etc - even in travel size. There is only so much that will fit in a Ziploc bag! Any tips other than purchasing those items once you arrive (which is too time-consuming and expensive to do every time)
Thanks! Great tips-
My invention of a quantum dot based light uses only 4 watts to produce the brilliance and colour temperature of an incandescent 100 watt light.
See our web site. www.deak-lam.com they will be out if January of 2008.
50,000 hours and can be dimmed, unlike that of the CFL. No mercury or phosphor. No glass, all plastic and an incentive recycle programme in place. Spread the word, a much better alternative to the incandescent and the CFL and tube type of fluorescent is here. This is 21st Century lighting.
I really think it's about picking the right investment up front and being able to cover certain bumps in the road by maintaining adequate levels of liquidity. Most of my research on this has been in real estate, so I'm not as comfortable doing the leveraging thing in the stock market as some others might be. But it's all in where your knowledge base lies.
I think the primer articles are a great idea! I'm thinking of putting one together on hard money loaning as it relates to real estate.
The annual cost-of-living adjustment in Social Security payments are not based on the core rate, but rather on CPI-W (one of the sub-indexes of the CPI). Details are here (on the Social Security Administration's web site):
I'm totally with you on the CPI understating actual inflation (as anyone who keeps track of their household expenses from year to year can verify). The details vary enormously from household to household, of course. (My renters insurance didn't go up nearly as much as your homeowner's insurance, for example, plus it's a much smaller portion of my annual budget.)
I'm actually planning another article on the CPI, that will talk about "hedonic adjustments"--how the CPI is adjusted to try to account for the fact that some goods (such as computers) have about the same price from one year to the next, but are actually better. It's not a crazy idea, but I think it's done in a way that cause the CPI to understate inflation.
This post, though, was just about the core rate. That's a useful value for making policy decisions. I don't think anyone uses it to adjust cost of living for anything.
I love the descriptions. It feels like one of those color wheels where one is kind of the opposite of the other. I took one glance and knew exactly the reason I even have a job. I'm a "happy" and "freedom" type.
Not only was it entertaining to search for myself and my family, but it was profitable! My brother, sister and mom all had unclaimed money. I didn't....go figure. But, maybe for my effort, they'll share! Great article Linsey!!
I do not think self made rich entertain stories like this. They would see nonsense of it in a blink, poor folks however see the wisdom... what makes difference in getting rich is quality of thinking.
I would like to know how much time he spent to find a bank with garage and 24/7 guards to store cars (or anything) as as collaterals. There is no such bank anywhere.
We bought into LTC in 1993... 2 persons age 58, $100/day benefit
cost 1993 $1100 yr.
current 2007 $2400 yr.
Started with Travellers Ins. Bankruptcy 5 years ago... Current transferred company may not be much better.
Cost to upgrade to more appropriate daily benefit of $150 is about double the $2400 actual quote was $4150/yr... (current age 72)
Scared to death that if something does happen, the legal beagles will find an undotted "i" or an uncrossed "t", and deny benefits. (happened to two friends for inadvertantly leaving minor health history item out of original appliction.) (in one case, an allergy, not applicable to current condition...)
Based on the real questions of Ins. Co. solvency due to underfunded reserves (blue chip today, junk tomorrow) there are no firms that I've researched that seem to be reliably stable.
In any case, after having spent (current value) about $34,000, we'll keep the coverage, but had i known what I know now, I doubt that I'd do it again, unless I was independently wealthy and well beyond "critical mass" assets.
Statistically, it doesn't make sense, but life's a gamble.
Yous should do a lot of personal research on the negatives, before taking on an LTC salesperson.
Steven Brewer, you say people like me are engaging in "a peculiar kind of wishful thinking." I believe I am engaging in realistic thinking. If the changes that you envision were to take generations, people might accept them - however I am confident that if we had that long, we'd develop alternative energy sources. But what I think some of you are expecting, or possibly hoping for, is a major change in people's habits and lifestyles imposed on them all of a sudden. What I'm trying to explain to you is that this simply isn't going to happen without bloodshed, especially in the areas where there are no alternatives to the automobile (whether that's because they are too expensive to build, or because people don't want them).
In most states you are lucky to have rail transportation (of ANY variety, including subways and light rail) available in maybe one or two of the state's major cities. What, then, are the people who live in the rest of the state supposed to do? Are you going to try to herd them like cattle into the major cities, and force them to give up their homes? Or do you think they're just going to sit in their houses and peacefully starve to death or die of hypothermia because they cannot afford fuel? If you say that people like me who are saying that we MUST develop alternative energy choices are thinking like Jiminy Cricket, I can say that you're thinking like Pollyanna. You think you're going to force people to accept a huge change in their way of living and that everyone will just go along and accept it. Most of you who talk this way probably already live in or near a major city (and more than likely, one on the West Coast) and you already use public transportation at least some of the time (or you walk or ride a bike or some such thing), and you are thinking that everyone else could adopt the same lifestyle you do.
So, then, how do you propose that the rural family that lives 200 miles from the nearest city with public transportation, and ten to twenty miles from anything that could reasonably be called even a small city, make their trips to obtain food to feed their family, needed medicines, and other needed supplies, and to go to their places of employment? People who are used to a rural way of life are not going to fit in well in a city, but nowadays the vast majority of rural dwellers do not have the skill set nor the inclination to be totally self-sustaining. You Pollyanna types think that if the price of oil goes high enough they will be forced to live the way you think everyone ought to be living anyway, and they'll simply accept their fate. I guarantee you that isn't going to happen. If things get THAT dire, I fully expect there will be civil war (rural dwellers vs. city dwellers, perhaps) and other forms of insurrection. Maybe the governments will be able to put it down and maybe they won't, but either way, there is going to be a lot of bloodshed.
If you want to try your little social experiment (of making energy so expensive that people cannot afford to travel) and see what happens, you'd best accept the fact that some (maybe many) of your friends and loved ones will perish before you expect them to. On the other hand, if you want to be part of a solution that does not include bloodshed (and does not attempt to force people to accept vast and sudden changes in their way of living) then you will demand that alternative energy sources be fully developed with all possible speed. The thing I fear is that the governments will wait until AFTER the energy war (a.k.a. World War III) and only then, when they realize that they can't turn back the clock and get people in developed nations to live as if it were the 1800's, will they seriously throw their resources behind the development of other forms of energy.
We do NOT have an energy shortage on this earth - there is so much energy on this planet that goes to waste every day that we couldn't possibly begin to tap it all. The problem is that every time we try to tap it, some do-gooder or NIMBY type finds a reason not to do it. For example, we could get all the energy we would ever need from the wind, but every time some company is willing to explore wind energy the first people they get flak from are those who don't want the wind turbines anywhere near THEIR homes (they don't even want to be able to SEE them), and they you get the types who have a fit because an occasional bird might fly into the turbine blade (instead of maybe getting eaten by a larger bird or some other predator). And they are going to keep thinking like that until they are starving to death and shivering in the cold, and by then it will be too late.
By the way, has anyone ever stopped to think about the fact that trains and buses also need fuel? Do you really think petroleum companies are going to build refineries and ship oil around the country if their ONLY market is trains and buses? And do you think that with potentially millions of abandoned cars, nobody's ever going to try to steal the fuel out of those vehicles and repurpose it? Heck, you have idiots cutting into live electrical lines because they can get a few bucks a pound for copper. If they will stupidly risk their lives in that way just to make a few bucks in relatively good times, what do you suppose will happen when Bubba and his drinking buddies are cold and hungry, and one of them knows the location of the fuel depot for the local public transportation system?
Of course, if the trains run off of solar cells on top of the cars then there will be no fuel to steal - BUT then there is also no reason those same solar cells couldn't be used to power the family car and other vehicles.
And yes, we'll always need lubricants to run machines, that is true. But not all lubricants need to be petroleum-based, and in any case the demand for petroleum for lubricants is only a small fraction of the total amount of petroleum used each day.
I think the problem is that in this thread we have a slightly lopsided ratio of social activists to scientists. Social activists are sometimes necessary to effect change BUT when they set their mind on only one solution (or a small handful of solutions) to the exclusion of all others, they can be dangerous indeed. Scientists, on the other hand, are trained to look at all possible solutions, but sometimes they don't select the ones that are best for all concerned (for example, if they work for large corporations then they may only be looking for the least expensive solution at that point in time). I, for one, am not about to let social activists with their own agenda and a rather myopic focus dictate how I must live the rest of my life, and I say that even though I personally believe in resolving conflicts peacefully if at all possible. There are a lot of other people who will pick up their weapons of choice and go to war the first time they feel their lifestyle is threatened.
I should mention that I made up the name Resume HelpNow - I hope there isn't a real business with that name. Anyway, I actually recall the name of the company that was being marketed in the email, but I'm afraid to post it since I no longer have the emails that I was sent.
dude i totally found another code if u go on the online game, then go to how to play, under how to play go to how to redeem prizes or what ever it says, then go to prizes at online or it might say something a little different i'm not so sure though, but it will show a pacific avenue stamp that has a code on it and it has a red circle/oval thing around the code type it in. i got Park Place then i got a double off park place, then i got Baltic Avenue and got a double off that, then i got Vermont Avenue
Kelja on Thu has it right.
"Core Inflation" a gambit.
As a retired citizen, who stands to gain or lose in Social Security Payments based on the CPI, I'd like to quote just a few increases in my own budget, that are excluded from the current 2.3% core increase that will represent inflation adjustment..
healthcare - 8.4%
healthcare supplement 9.6%
medicare part D - 12.5%
electric bill 16.7 increase
gas bill 9.4% increase
nursing home insurance 12.7%
water/sewer 40% increase
food (from budget actuals) 19%
Gas... same- but from 10,000 mi. to 7,500
house insurance (inland Florida no Hurricanes) 137.5%
fire insurance 13.9% increase
house taxes 7.1% increase
now... as to the "core". That $700 laptop from last year is now only $549, but I can't afford it anyway... and the intrinsic increased value of my new shoes that should last longer, won't do me that much good, because I won't live that long.
Ah, very timely advice. I'm ticked off at my job every day and feeling really down about it. I like my actual job duties very much and my coworkers are great, but I'm regularly angered and offended by the attitude of management. I live in a Dilbert cartoon every day.
When I took this job, I knew the place was a little screwy, but I needed a full-time, regular paying job and I got it. My career counselor said to put a note in my cube and one in my car saying - this is just a paycheck. It would remind me why I'm there. I also remind myself about the many things I like. Also, I keep an amusing book in my desk and when I'm feeling upset, I pull it out and read it to regain a lighter mood.
It's important to consider the negative effects of being miserable. Misery can make you feel worthless. It leads to depression and illness. If you hate your job, you need to continue looking for a better position and not allow yourself to be captured by money. This is your life - you won't be getting this time back later. Do what you need to do - but keep looking.
Now I know. The board hangs after entering a code. Thinking I need to exit out and then re-enter, I do. Then it says code has alread been used. Screwed me three times.
I've known this for a long time.
Like 8 years or so back, I had a paper route, along with my brothers, and each newspaper had an advertisement in it with the Monopoly coupons, which we took out. ;)
Every year, we quickly filled up the entire board, except for one in each set.
After several years of the same results, we concluded that the missing coupons were practically impossible, so we gave up.
Got tons of free food though. D:
Something not touched on in this post is that there are frequently more tangible benefits to localization. Consider food production specifically:
There are several non-trivial, but also non-monetary costs associated with centralized food production. (1) Shipping food from a centralized location can create a massive carbon footprint . And (2) factory farming methods are a proven drain on the land being farmed and on land downstream.
Of course, your final analysis is the only reasonable one. We'll continue to tend towards methods that utilize centralized specialization in more and more benign ways while distributing the rest of the work.
Tip: If your brown sugar gets hard, place a slice of bread or two in the bag and it will soften up. Try it. It works.
wow...lots of interesting ideas here!
the only thing that drives me nuts about bandanas is once you wash them they are no longer a perfect square due to shrinkage in one direction. on some projects that would make a difference.
We live in Minnesota in an old house with wood windows. For about 10 years we used the plastic shink wrap on the windows to make the house livable. Then we invested in replacing all the windows with energy efficient windows. What an amazing difference in both heating costs and comfort. Last fall we invested in a good storm door. We felt an immediate difference - no more drafts coming in under the front door. Next on the list is a new back storm door.
When we were growing up we always used bandanas to tie up our hair and keep it clean. They make great makeshift bibs for toddlers {tell them you are playing cowboys
hey guys i just thought what if.. they just put the 32s in columns and ten just did the parallel wiring in the base so then the could wire them parallel without wires running up and dwn the entire thing.
I don't want to try to speak for Steven, but I will make two observations.
The first is that I'm not advocating for an expensive-energy world. I'm suggesting that an expensive-energy world is in the cards whether we want it or not--and saying that it's not going to be as bad as the average person might suspect.
The second is that I'm not nearly as pessimistic as you seem to be about the danger of a violent result. Gasoline will continue to be available for the foreseable future, it'll just gradually get more and more expensive. No doubt some people will steal it--people already do--but lots of things have become suddenly expensive in the past, and it has hardly ever produced the sort of collapse of social norms that you seem to fear.
A world were energy is more expensive will be a harder place to live. People can make it easier on themselves if they anticipate the changes and arrange their lives with those changes in mind. Helping people do that anticipating--and making the case that it isn't such a terrible future as all that--is my main goal in writing this article.
I never used to check bags and would travel with only a carry-on. However, with the new TSA rules for liquids, I've not quite figured out how to do this and still take makeup, shampoo, soap, lotion, razor, etc - even in travel size. There is only so much that will fit in a Ziploc bag! Any tips other than purchasing those items once you arrive (which is too time-consuming and expensive to do every time)
Thanks! Great tips-
Not quite, I'm afraid.
Consider this factual information about CFLs:
http://www.thegreenguide.com/doc/ask/cfl
http://www.io.com/~dstroup/mercury.html
http://www.execulink.com/~impact/fluorescent_lights.htm
and especially this one:
http://www.wnd.com/news/article.asp?ARTICLE_ID=55213
My invention of a quantum dot based light uses only 4 watts to produce the brilliance and colour temperature of an incandescent 100 watt light.
See our web site. www.deak-lam.com they will be out if January of 2008.
50,000 hours and can be dimmed, unlike that of the CFL. No mercury or phosphor. No glass, all plastic and an incentive recycle programme in place. Spread the word, a much better alternative to the incandescent and the CFL and tube type of fluorescent is here. This is 21st Century lighting.
This is a great how to article, Linsey. It's something I'd always heard about, but figured it was way more difficult than it actually was. Thanks.
I really think it's about picking the right investment up front and being able to cover certain bumps in the road by maintaining adequate levels of liquidity. Most of my research on this has been in real estate, so I'm not as comfortable doing the leveraging thing in the stock market as some others might be. But it's all in where your knowledge base lies.
I think the primer articles are a great idea! I'm thinking of putting one together on hard money loaning as it relates to real estate.
The annual cost-of-living adjustment in Social Security payments are not based on the core rate, but rather on CPI-W (one of the sub-indexes of the CPI). Details are here (on the Social Security Administration's web site):
http://www.ssa.gov/OACT/COLA/colasummary.html
I'm totally with you on the CPI understating actual inflation (as anyone who keeps track of their household expenses from year to year can verify). The details vary enormously from household to household, of course. (My renters insurance didn't go up nearly as much as your homeowner's insurance, for example, plus it's a much smaller portion of my annual budget.)
I'm actually planning another article on the CPI, that will talk about "hedonic adjustments"--how the CPI is adjusted to try to account for the fact that some goods (such as computers) have about the same price from one year to the next, but are actually better. It's not a crazy idea, but I think it's done in a way that cause the CPI to understate inflation.
This post, though, was just about the core rate. That's a useful value for making policy decisions. I don't think anyone uses it to adjust cost of living for anything.
I love the descriptions. It feels like one of those color wheels where one is kind of the opposite of the other. I took one glance and knew exactly the reason I even have a job. I'm a "happy" and "freedom" type.
Not only was it entertaining to search for myself and my family, but it was profitable! My brother, sister and mom all had unclaimed money. I didn't....go figure. But, maybe for my effort, they'll share! Great article Linsey!!
I do not think self made rich entertain stories like this. They would see nonsense of it in a blink, poor folks however see the wisdom... what makes difference in getting rich is quality of thinking.
Got 40 of those batteries for a total of $8 (including S/H) off of ebay. A little bit easier that way...
I would like to know how much time he spent to find a bank with garage and 24/7 guards to store cars (or anything) as as collaterals. There is no such bank anywhere.
We bought into LTC in 1993... 2 persons age 58, $100/day benefit
cost 1993 $1100 yr.
current 2007 $2400 yr.
Started with Travellers Ins. Bankruptcy 5 years ago... Current transferred company may not be much better.
Cost to upgrade to more appropriate daily benefit of $150 is about double the $2400 actual quote was $4150/yr... (current age 72)
Scared to death that if something does happen, the legal beagles will find an undotted "i" or an uncrossed "t", and deny benefits. (happened to two friends for inadvertantly leaving minor health history item out of original appliction.) (in one case, an allergy, not applicable to current condition...)
Based on the real questions of Ins. Co. solvency due to underfunded reserves (blue chip today, junk tomorrow) there are no firms that I've researched that seem to be reliably stable.
In any case, after having spent (current value) about $34,000, we'll keep the coverage, but had i known what I know now, I doubt that I'd do it again, unless I was independently wealthy and well beyond "critical mass" assets.
Statistically, it doesn't make sense, but life's a gamble.
Yous should do a lot of personal research on the negatives, before taking on an LTC salesperson.
Steven Brewer, you say people like me are engaging in "a peculiar kind of wishful thinking." I believe I am engaging in realistic thinking. If the changes that you envision were to take generations, people might accept them - however I am confident that if we had that long, we'd develop alternative energy sources. But what I think some of you are expecting, or possibly hoping for, is a major change in people's habits and lifestyles imposed on them all of a sudden. What I'm trying to explain to you is that this simply isn't going to happen without bloodshed, especially in the areas where there are no alternatives to the automobile (whether that's because they are too expensive to build, or because people don't want them).
In most states you are lucky to have rail transportation (of ANY variety, including subways and light rail) available in maybe one or two of the state's major cities. What, then, are the people who live in the rest of the state supposed to do? Are you going to try to herd them like cattle into the major cities, and force them to give up their homes? Or do you think they're just going to sit in their houses and peacefully starve to death or die of hypothermia because they cannot afford fuel? If you say that people like me who are saying that we MUST develop alternative energy choices are thinking like Jiminy Cricket, I can say that you're thinking like Pollyanna. You think you're going to force people to accept a huge change in their way of living and that everyone will just go along and accept it. Most of you who talk this way probably already live in or near a major city (and more than likely, one on the West Coast) and you already use public transportation at least some of the time (or you walk or ride a bike or some such thing), and you are thinking that everyone else could adopt the same lifestyle you do.
So, then, how do you propose that the rural family that lives 200 miles from the nearest city with public transportation, and ten to twenty miles from anything that could reasonably be called even a small city, make their trips to obtain food to feed their family, needed medicines, and other needed supplies, and to go to their places of employment? People who are used to a rural way of life are not going to fit in well in a city, but nowadays the vast majority of rural dwellers do not have the skill set nor the inclination to be totally self-sustaining. You Pollyanna types think that if the price of oil goes high enough they will be forced to live the way you think everyone ought to be living anyway, and they'll simply accept their fate. I guarantee you that isn't going to happen. If things get THAT dire, I fully expect there will be civil war (rural dwellers vs. city dwellers, perhaps) and other forms of insurrection. Maybe the governments will be able to put it down and maybe they won't, but either way, there is going to be a lot of bloodshed.
If you want to try your little social experiment (of making energy so expensive that people cannot afford to travel) and see what happens, you'd best accept the fact that some (maybe many) of your friends and loved ones will perish before you expect them to. On the other hand, if you want to be part of a solution that does not include bloodshed (and does not attempt to force people to accept vast and sudden changes in their way of living) then you will demand that alternative energy sources be fully developed with all possible speed. The thing I fear is that the governments will wait until AFTER the energy war (a.k.a. World War III) and only then, when they realize that they can't turn back the clock and get people in developed nations to live as if it were the 1800's, will they seriously throw their resources behind the development of other forms of energy.
We do NOT have an energy shortage on this earth - there is so much energy on this planet that goes to waste every day that we couldn't possibly begin to tap it all. The problem is that every time we try to tap it, some do-gooder or NIMBY type finds a reason not to do it. For example, we could get all the energy we would ever need from the wind, but every time some company is willing to explore wind energy the first people they get flak from are those who don't want the wind turbines anywhere near THEIR homes (they don't even want to be able to SEE them), and they you get the types who have a fit because an occasional bird might fly into the turbine blade (instead of maybe getting eaten by a larger bird or some other predator). And they are going to keep thinking like that until they are starving to death and shivering in the cold, and by then it will be too late.
By the way, has anyone ever stopped to think about the fact that trains and buses also need fuel? Do you really think petroleum companies are going to build refineries and ship oil around the country if their ONLY market is trains and buses? And do you think that with potentially millions of abandoned cars, nobody's ever going to try to steal the fuel out of those vehicles and repurpose it? Heck, you have idiots cutting into live electrical lines because they can get a few bucks a pound for copper. If they will stupidly risk their lives in that way just to make a few bucks in relatively good times, what do you suppose will happen when Bubba and his drinking buddies are cold and hungry, and one of them knows the location of the fuel depot for the local public transportation system?
Of course, if the trains run off of solar cells on top of the cars then there will be no fuel to steal - BUT then there is also no reason those same solar cells couldn't be used to power the family car and other vehicles.
And yes, we'll always need lubricants to run machines, that is true. But not all lubricants need to be petroleum-based, and in any case the demand for petroleum for lubricants is only a small fraction of the total amount of petroleum used each day.
I think the problem is that in this thread we have a slightly lopsided ratio of social activists to scientists. Social activists are sometimes necessary to effect change BUT when they set their mind on only one solution (or a small handful of solutions) to the exclusion of all others, they can be dangerous indeed. Scientists, on the other hand, are trained to look at all possible solutions, but sometimes they don't select the ones that are best for all concerned (for example, if they work for large corporations then they may only be looking for the least expensive solution at that point in time). I, for one, am not about to let social activists with their own agenda and a rather myopic focus dictate how I must live the rest of my life, and I say that even though I personally believe in resolving conflicts peacefully if at all possible. There are a lot of other people who will pick up their weapons of choice and go to war the first time they feel their lifestyle is threatened.
I should mention that I made up the name Resume HelpNow - I hope there isn't a real business with that name. Anyway, I actually recall the name of the company that was being marketed in the email, but I'm afraid to post it since I no longer have the emails that I was sent.
dude i totally found another code if u go on the online game, then go to how to play, under how to play go to how to redeem prizes or what ever it says, then go to prizes at online or it might say something a little different i'm not so sure though, but it will show a pacific avenue stamp that has a code on it and it has a red circle/oval thing around the code type it in. i got Park Place then i got a double off park place, then i got Baltic Avenue and got a double off that, then i got Vermont Avenue
Kelja on Thu has it right.
"Core Inflation" a gambit.
As a retired citizen, who stands to gain or lose in Social Security Payments based on the CPI, I'd like to quote just a few increases in my own budget, that are excluded from the current 2.3% core increase that will represent inflation adjustment..
healthcare - 8.4%
healthcare supplement 9.6%
medicare part D - 12.5%
electric bill 16.7 increase
gas bill 9.4% increase
nursing home insurance 12.7%
water/sewer 40% increase
food (from budget actuals) 19%
Gas... same- but from 10,000 mi. to 7,500
house insurance (inland Florida no Hurricanes) 137.5%
fire insurance 13.9% increase
house taxes 7.1% increase
now... as to the "core". That $700 laptop from last year is now only $549, but I can't afford it anyway... and the intrinsic increased value of my new shoes that should last longer, won't do me that much good, because I won't live that long.
Ah, very timely advice. I'm ticked off at my job every day and feeling really down about it. I like my actual job duties very much and my coworkers are great, but I'm regularly angered and offended by the attitude of management. I live in a Dilbert cartoon every day.
When I took this job, I knew the place was a little screwy, but I needed a full-time, regular paying job and I got it. My career counselor said to put a note in my cube and one in my car saying - this is just a paycheck. It would remind me why I'm there. I also remind myself about the many things I like. Also, I keep an amusing book in my desk and when I'm feeling upset, I pull it out and read it to regain a lighter mood.
It's important to consider the negative effects of being miserable. Misery can make you feel worthless. It leads to depression and illness. If you hate your job, you need to continue looking for a better position and not allow yourself to be captured by money. This is your life - you won't be getting this time back later. Do what you need to do - but keep looking.
Now I know. The board hangs after entering a code. Thinking I need to exit out and then re-enter, I do. Then it says code has alread been used. Screwed me three times.