I've heard about the Keurig single cup coffee maker. I'll have to check it out. Lately I've been experimenting with instant coffee mixes in my blender.
And you're welcome for the disclaimer. I don't want to be an irresponsible staff writer. ;)
Interesting points-- you are so right that it used to be much more difficult to borrow. Both my children were bombarded with credit card offers once they were ready to head off to college.
My toughest challenge right now is paying for graduate school since I haven't received a pay raise at my state teaching position in the last three years.
It sort of looks like it, doesn't it? I honestly don't know how he did it. He face planted in a mud puddle, but I only saw him once he came up to me and gave me a plaintive "WHY?" look, as though I had caused him to trip.
i'm pretty frugal so i think my toughest financial challenge is to walk the thin line between being frugal and cheap, being frugal and not depriving myself of occasional fun.
My biggest financial problem now is retirement. With alot benefit cutbacks here I'm worried how I'll be able to make it when I'm at retired in later life I'm worried about it now because a good retirement can't be planned in my opinion within the last 10-12 before retirement age In the 10 years I'll be middle aged and don't want lack of money I'm not able to set aside now, to hurt my future.
I work in clinical trials management and agree that people should not be participating in a clinical trial for the purpose of making money. People should have the desire to participate in order to further science and possibly benefit patients that need the drug that is being studied. Part of the paperwork you were given the day you signed up for your trial was an informed consent form (ICF). This ICF should've explained the purpose of the study, that you are participating in research, the possible risks and benefits, the sponsor company's name and a whole bunch of other information about what you were getting yourself into. ICFs will always specify that you have the right to withdraw your consent to participate at anytime in the trial without any repercussions or loss of benefits. If it does not say this, the study you were participating in was not abiding by the law. ICFs will have a section regarding injury, and should specify who will be liable for medical bills incurred should you suffer any injuries as a result of participating on the trial. Sponsor companies always have an insurance policy to cover these kinds of instances. You participated in an early phase study, so it would seem that there is very little benefit for you to participate other than for monetary purposes, however the majority of the human subject trials recruit patients with active diseases that are in need of cure. For these people, money is the least incentive for them to participate in a study. I personally probably wouldn't to participate in an early phase trial either, but if I end up getting a disease without a good cure in the future, I would search for a trial to participate on.
Some of us bought our condo or house when we inherited money and needed to do it then or live on the street - not really our fault that the market was overpriced at the time, and sorry, not all of us are Ph.D. in economics, finance, whatever, - really did not think that the value would come down so much. I foresee a bunch of people filing bankruptcy to get out from under the water and I think I will join that boat. Now, if they could just add student loans to the list of debts that are dischargeable in BK, I'll be set.
My toughest financial challenge is my wants and impatientness. I know what I need to do and I know the value of it down to the penny. I still struggle with desires that I know cost me money. 5 years from now I can have all I want today as long as I do not let my desires derail my plan.
Building up equity on my mortgage. Bought a house in 2007, when prices seemed low, only to have them plummet in the years following. I still owe way more on my house than it is worth today.
My biggest financial problem right now is too little income paired with too much debt. I'm handling it in the same way that I would eat an elephant...one tiny bite at a time.
My biggest challenge has been a frozen salary for the past 3 years. As the price of everything continues to rise, all the salaries at work have been frozen for three years. Four years ago, my budget balanced. Now, my budget is barely breaking even.
At the beginning of this year, my husband and I sat down and discussed our financial plan for 2011. We outlayed all of our important purchases, including gifts for family and friends, travel expenses, our debt payoff plan, and health care fees (co-pays, etc.).
We discussed how much we wanted to save, how much we could afford to spend on gifts and travel, and so on.
Five months, two holidays, one anniversary, and two birthdays later, we're ahead on our debt-pay off plan, we haven't blown our budget on gifts, and we're on track with our savings for the travel that we are planning on doing this August and November.
Long story short, gift calendars (and financial calendars in general) are a *great* idea. Thanks for sharing your experiences with us.
It had your NAME on it??? Oh no. People if you don't want it throw it! I'd be upset if it was an actual CREDIT CARD, but it's not. I don't see how someone knowing your name compromises your identity?
Thanks for that shared information. I'll give Spark a lookup.
I've heard about the Keurig single cup coffee maker. I'll have to check it out. Lately I've been experimenting with instant coffee mixes in my blender.
And you're welcome for the disclaimer. I don't want to be an irresponsible staff writer. ;)
Convenience is totally my issue, because I am lazy. And hungry a lot.
Interesting points-- you are so right that it used to be much more difficult to borrow. Both my children were bombarded with credit card offers once they were ready to head off to college.
My toughest challenge right now is paying for graduate school since I haven't received a pay raise at my state teaching position in the last three years.
I LOVE pugs! Those are the cutest little guys ever.
It sort of looks like it, doesn't it? I honestly don't know how he did it. He face planted in a mud puddle, but I only saw him once he came up to me and gave me a plaintive "WHY?" look, as though I had caused him to trip.
He's special.
Credit card debt that just doesn't seem to go away. *le sigh*
i tweeted http://twitter.com/#!/oshkoshbgosh123/status/73125260643409920
i'm not sure where to leave the "i like you on facebook!" comment so here goes!
i'm pretty frugal so i think my toughest financial challenge is to walk the thin line between being frugal and cheap, being frugal and not depriving myself of occasional fun.
My biggest financial problem now is retirement. With alot benefit cutbacks here I'm worried how I'll be able to make it when I'm at retired in later life I'm worried about it now because a good retirement can't be planned in my opinion within the last 10-12 before retirement age In the 10 years I'll be middle aged and don't want lack of money I'm not able to set aside now, to hurt my future.
Lately I've been having trouble finding extra income during the summer months.
I work in clinical trials management and agree that people should not be participating in a clinical trial for the purpose of making money. People should have the desire to participate in order to further science and possibly benefit patients that need the drug that is being studied. Part of the paperwork you were given the day you signed up for your trial was an informed consent form (ICF). This ICF should've explained the purpose of the study, that you are participating in research, the possible risks and benefits, the sponsor company's name and a whole bunch of other information about what you were getting yourself into. ICFs will always specify that you have the right to withdraw your consent to participate at anytime in the trial without any repercussions or loss of benefits. If it does not say this, the study you were participating in was not abiding by the law. ICFs will have a section regarding injury, and should specify who will be liable for medical bills incurred should you suffer any injuries as a result of participating on the trial. Sponsor companies always have an insurance policy to cover these kinds of instances. You participated in an early phase study, so it would seem that there is very little benefit for you to participate other than for monetary purposes, however the majority of the human subject trials recruit patients with active diseases that are in need of cure. For these people, money is the least incentive for them to participate in a study. I personally probably wouldn't to participate in an early phase trial either, but if I end up getting a disease without a good cure in the future, I would search for a trial to participate on.
Some of us bought our condo or house when we inherited money and needed to do it then or live on the street - not really our fault that the market was overpriced at the time, and sorry, not all of us are Ph.D. in economics, finance, whatever, - really did not think that the value would come down so much. I foresee a bunch of people filing bankruptcy to get out from under the water and I think I will join that boat. Now, if they could just add student loans to the list of debts that are dischargeable in BK, I'll be set.
My toughest financial challenge is my wants and impatientness. I know what I need to do and I know the value of it down to the penny. I still struggle with desires that I know cost me money. 5 years from now I can have all I want today as long as I do not let my desires derail my plan.
Building up equity on my mortgage. Bought a house in 2007, when prices seemed low, only to have them plummet in the years following. I still owe way more on my house than it is worth today.
Our biggest challenges right now are paying off debt and adjusting to living off one income in this economy.
My biggest financial problem right now is too little income paired with too much debt. I'm handling it in the same way that I would eat an elephant...one tiny bite at a time.
My biggest challenge has been a frozen salary for the past 3 years. As the price of everything continues to rise, all the salaries at work have been frozen for three years. Four years ago, my budget balanced. Now, my budget is barely breaking even.
Paying of a rather large debt to the IRA
Our busiest month is September. Starting with my birthday at the end of August, there are eight family birthdays and three good friend's birthdays.
When we have kids, my husband and I are going to shoot for ... May or something. Anything but September. :)
At the beginning of this year, my husband and I sat down and discussed our financial plan for 2011. We outlayed all of our important purchases, including gifts for family and friends, travel expenses, our debt payoff plan, and health care fees (co-pays, etc.).
We discussed how much we wanted to save, how much we could afford to spend on gifts and travel, and so on.
Five months, two holidays, one anniversary, and two birthdays later, we're ahead on our debt-pay off plan, we haven't blown our budget on gifts, and we're on track with our savings for the travel that we are planning on doing this August and November.
Long story short, gift calendars (and financial calendars in general) are a *great* idea. Thanks for sharing your experiences with us.
It had your NAME on it??? Oh no. People if you don't want it throw it! I'd be upset if it was an actual CREDIT CARD, but it's not. I don't see how someone knowing your name compromises your identity?
Liked on Facebook.