I have arguments ("argument" is probably too strong a word. "heated discussions" is probably better) with the boyfriend about the endorsements from Dave Ramsey. He is of the belief that they are not just paid advertisements because they come from the mouth of the great Dave.
A typical conversation:
"Dave Ramsey recommends X. We should use them."
"You know that's a paid advertisement. He has a personal interest in getting you to use them."
"But Dave recommends them! He wouldn't recommend something bad!"
"They gave him money to say that!"
I guess Dave Ramsey might screen his advertisers, but still, it's he's being paid to do it, not out of the goodness of his heart.
If you're listening to FM radio, keep the dial below 92.0 - above there is where the law says there can be ads. Ever noticed that your public, community, or college radio stations are down there? That's because it's a space reserved for them.
I was a DJ in college and we didn't run a single ad. We had information on a local business who had helped to sponsor us. That information was things like what they sell, where they can be found and how to contact them. We had one of those DJ-voiced 'ads'(I think we called them 'shout-outs') once per hour, and that's if we had enough sponsors to do it that often.
Don't like the programming of your community radio station? See if you can run a show! They're usually looking for someone to work the night shifts or might have great show times for you to play. Best part is that then you get access to their huge library of music so you can pick what to play!
poor people get benefits that middle class and working poor dont. go to a clinic; they won't take me but they come to my neighborhood and you'd think it was raining lotto winnings.
Most people don't understand the advantages of car-free living. The notion that you "need" a car drives everything about the way people live and work, because once you buy into that, it seems perfectly reasonable to put the homes over there and the workplaces over here and the shopping way out that way. It's really insane.
It takes keen insight and a willingness to go against the crowd to opt out of the motoring lifestyle, but the payoff is huge. People talk about how having a car gives you freedom, but it's nothing like the freedom that comes from being able to do work that you love, even if it doesn't pay enough to cover insurance, taxes, fuel, and a car loan.
I was at my 99cent store and saw vitamins that people were snapping up. the expiration dates were covered on most of the labels by stickers, but I was able to see on some bottle an expiration of four previous months. People don't read - or they cannot read english. I tried to tell the woman in front of me they had expired but no one else listening spoke spanish or offered to help, if they did. it's just sad what companies get away with
Health care is a special case, in that it's an exception to the "keep body and soul together" rule.
There are two reasons for this. First of all, the amount of food, water, shelter, etc. that a person needs are pretty uniform. (A large man needs more than a petite woman, but food is cheap enough that we can just set the ceiling to cover even growing teenagers and everyone will be okay.) That's not true about health care--a young, healthy adult needs almost no care at all, while a very sick person can burn through almost unlimited amounts.
And that "unlimited" is the other part of the difference. The only ceiling on how much spending is necessary to keep body and soul together when it comes to medical care is that some people die no matter what you do.
These difference make it hard to include medical care in the same conversation as one about other necessities.
On the subject of Volkswagans, I just want to say that I really liked my 1983 VW GTI, which lasted me 17 years. My wife's Honda Civic, though, has turned out to last even better (18 years so far) and is a lot cheaper to keep running.
I found the Delonghi products are very well made. We have a Delonghi space heater recommended by a contractor, and I see they have toaster ovens. So I recommend that as a great brand. Hope that helps
I identify so strongly with this post, of course I couldn't have written it better.
I feel I can't get a leg up either. I had a job for a month damn- but I felt middle class and put away at least 40% net that month, to go to old debts. Enuf whining...
What helps is saving a little, even if it's 3 dollars or so. It's the act of saving that helps me, even if it's so little (I know, dont' jump on my back). But getting into the groove of saving just a little is a great habit because when the amounts increase - and they will, but whothefucknowswhen. So, take the change, the coupon rebate, the dollar found in the street and put it in a savings account.
I am one of those with no car. In fact, at age 30 I have never owned a car and have never even had a driver's license. However, I have deliberately made choices that make it easier for me to do without this major expense. One of my most important criteria when looking for an apartment is ease of getting around without a car. I live close to public transportation and not too far from downtown (where I work). My neighbourhood has supermarkets, drugstores, banks, etc. within walking distance. I might pay less for a bigger apartment in the suburbs, but I wouldn't be very able to do without a car so it's no contest.
1) I was in a cousin's wedding and the other bridesmaids (one her sister, and also my cousin) insisted on having a fancy schmancy shower AND an engagement party. I have rules about weddings, one is I give one gift on one occasion - so if you got one at the shower, you're done but I also avoid showers like the plague, so it'll probably come for your wedding. And, two, I do not give engagement party gifts. So, this shower had already cost me $250, I paid $75 for the bachelorette party I was not attending because of another wedding, plus $50 for the bridesmaid gift and then I cut them off (because the shower ended up costing $1400 and I said we could do it for my $250 if we used someone's house and cooked ourselves - and it turns out my scones would have been far superior to what we did eat) and I still had shoes, hair, makeup, hotel room, etc etc etc to pay for for this wedding. And I said I wasn't bringing a gift to the engagement party and they (the other two bridesmaids) looked at me like I was NUTS. Hello, Miss Manners says so and not that this counts, but said cousin was previously engaged (didn't get married) and had a shower and I bought a gift and so did everyone else and the cousin dutifully asked if we wanted it back at the cancellation of the wedding, to which everyone but her sisters replied, no, keep it, you might need it. Plus, at a lunch with the bride she told me that she didn't even want a shower. This was after her sister INSISTED she did and insisted she'd be embarrassed if it wasn't nice.
I did not have a shower for my wedding. I hate them and think they're a stupid waste of money and I told people if they really wanted to spend $1000 to watch me open a bunch of gifts I would save the gifts I got in the mail and they could come over, give me $1000 and I would open them in front of them.
2)The sister of the bride is constantly having parties for her children, which I also dont' attend because a)the kids don't need more presents and I'd feel obliged to bring one and spend money I could save on it b)I hate kid birthday parties almost as much as showers and c) the one time I did go to something for one of her kids and I did bring a gift I never got a thank you.
Same cousin (the sister, not the bride, we like the bride) did not attend my wedding, nor did she send a gift or a card. Still pisses me off - all of it.
And that is why Thanksgiving is my favorite holiday - no gifts!
Alice radio hawks mattresses and the DJ banter is so inane that I immediately change the channel and boycott the mattress company--probably not their target demographic/intended outcome. It makes me think much, much lower of the DJs in the ad.
Is this post from personal experience working as a counselor or working with a counselor? Or is the info compiled from somewhere? What's the source then?
I am a journalist in Chicago working on a story about freeganism. I'd love to speak with anyone invovlved in the movement/lifestyle. You can contact me at ryanbones at hotmail dot com. Or phone number: three zero 3 8O9 zero four 83.
I'm sure when auto loans and unsecured credit become as difficult to obtain as mortgages are becoming that there will be a shift in the average conception of need and want. Up till then, I swear people have been going by what's on the television. That said, inflation-adjusted wages have been stagnant since the 70s or something. That can't be sustainable as essentials like healthcare become a greater drag on family finance. We can agree that basic healthcare is an essential, right?
My neighbors have two 1980s era Nissans they use as regular commuters. These things must have paid for themselves like ten times, now. I'm jealous... my snazzy little 2000s era Volkswagen broke down at 60k and with $6000 still owed. Learned my lesson...
I live for the extra hour of light in the evening. I'm a zombie in the morning whether it's light or dark, but there is nothing more depressing than spending all day at the office and it being dark by the time you get to leave.
I gave up on non-news FM radio years ago when Clear channel started buying up and homogenizing the cool jazz stations out on the west coast. Every once in a while, while driving into work with my wife, my decision is validated by exactly this dynamic -- DJ's pretending not to be shilling for some sponsor while all the while doing exactly that. It is just pathetic. Would prefer silence to that garbage any day of the week.
I'm a professor. I am broke. I have a family to feed too and they live on my piddling salary. I love my students but cannot feed you. As much as I'd like to.
I'm a professor. I am broke. I have a family to feed too and they live on my piddling salary. I love my students but cannot feed you. As much as I'd like to.
ok i got a question how long or short??do u have to make your pipe or something that hooks from your still to the jar to distill?and can you give me a tip on what to use?
I have arguments ("argument" is probably too strong a word. "heated discussions" is probably better) with the boyfriend about the endorsements from Dave Ramsey. He is of the belief that they are not just paid advertisements because they come from the mouth of the great Dave.
A typical conversation:
"Dave Ramsey recommends X. We should use them."
"You know that's a paid advertisement. He has a personal interest in getting you to use them."
"But Dave recommends them! He wouldn't recommend something bad!"
"They gave him money to say that!"
I guess Dave Ramsey might screen his advertisers, but still, it's he's being paid to do it, not out of the goodness of his heart.
If you're listening to FM radio, keep the dial below 92.0 - above there is where the law says there can be ads. Ever noticed that your public, community, or college radio stations are down there? That's because it's a space reserved for them.
I was a DJ in college and we didn't run a single ad. We had information on a local business who had helped to sponsor us. That information was things like what they sell, where they can be found and how to contact them. We had one of those DJ-voiced 'ads'(I think we called them 'shout-outs') once per hour, and that's if we had enough sponsors to do it that often.
Don't like the programming of your community radio station? See if you can run a show! They're usually looking for someone to work the night shifts or might have great show times for you to play. Best part is that then you get access to their huge library of music so you can pick what to play!
@Dave: Fixed. Thanks!
I had the same experience. No good deed goes unpunished, they say and it's true.
Sad.
poor people get benefits that middle class and working poor dont. go to a clinic; they won't take me but they come to my neighborhood and you'd think it was raining lotto winnings.
Most people don't understand the advantages of car-free living. The notion that you "need" a car drives everything about the way people live and work, because once you buy into that, it seems perfectly reasonable to put the homes over there and the workplaces over here and the shopping way out that way. It's really insane.
It takes keen insight and a willingness to go against the crowd to opt out of the motoring lifestyle, but the payoff is huge. People talk about how having a car gives you freedom, but it's nothing like the freedom that comes from being able to do work that you love, even if it doesn't pay enough to cover insurance, taxes, fuel, and a car loan.
I was at my 99cent store and saw vitamins that people were snapping up. the expiration dates were covered on most of the labels by stickers, but I was able to see on some bottle an expiration of four previous months. People don't read - or they cannot read english. I tried to tell the woman in front of me they had expired but no one else listening spoke spanish or offered to help, if they did. it's just sad what companies get away with
Health care is a special case, in that it's an exception to the "keep body and soul together" rule.
There are two reasons for this. First of all, the amount of food, water, shelter, etc. that a person needs are pretty uniform. (A large man needs more than a petite woman, but food is cheap enough that we can just set the ceiling to cover even growing teenagers and everyone will be okay.) That's not true about health care--a young, healthy adult needs almost no care at all, while a very sick person can burn through almost unlimited amounts.
And that "unlimited" is the other part of the difference. The only ceiling on how much spending is necessary to keep body and soul together when it comes to medical care is that some people die no matter what you do.
These difference make it hard to include medical care in the same conversation as one about other necessities.
On the subject of Volkswagans, I just want to say that I really liked my 1983 VW GTI, which lasted me 17 years. My wife's Honda Civic, though, has turned out to last even better (18 years so far) and is a lot cheaper to keep running.
Phillip,
I found the Delonghi products are very well made. We have a Delonghi space heater recommended by a contractor, and I see they have toaster ovens. So I recommend that as a great brand. Hope that helps
I identify so strongly with this post, of course I couldn't have written it better.
I feel I can't get a leg up either. I had a job for a month damn- but I felt middle class and put away at least 40% net that month, to go to old debts. Enuf whining...
What helps is saving a little, even if it's 3 dollars or so. It's the act of saving that helps me, even if it's so little (I know, dont' jump on my back). But getting into the groove of saving just a little is a great habit because when the amounts increase - and they will, but whothefucknowswhen. So, take the change, the coupon rebate, the dollar found in the street and put it in a savings account.
I am one of those with no car. In fact, at age 30 I have never owned a car and have never even had a driver's license. However, I have deliberately made choices that make it easier for me to do without this major expense. One of my most important criteria when looking for an apartment is ease of getting around without a car. I live close to public transportation and not too far from downtown (where I work). My neighbourhood has supermarkets, drugstores, banks, etc. within walking distance. I might pay less for a bigger apartment in the suburbs, but I wouldn't be very able to do without a car so it's no contest.
Of another gift incident, well, two.
1) I was in a cousin's wedding and the other bridesmaids (one her sister, and also my cousin) insisted on having a fancy schmancy shower AND an engagement party. I have rules about weddings, one is I give one gift on one occasion - so if you got one at the shower, you're done but I also avoid showers like the plague, so it'll probably come for your wedding. And, two, I do not give engagement party gifts. So, this shower had already cost me $250, I paid $75 for the bachelorette party I was not attending because of another wedding, plus $50 for the bridesmaid gift and then I cut them off (because the shower ended up costing $1400 and I said we could do it for my $250 if we used someone's house and cooked ourselves - and it turns out my scones would have been far superior to what we did eat) and I still had shoes, hair, makeup, hotel room, etc etc etc to pay for for this wedding. And I said I wasn't bringing a gift to the engagement party and they (the other two bridesmaids) looked at me like I was NUTS. Hello, Miss Manners says so and not that this counts, but said cousin was previously engaged (didn't get married) and had a shower and I bought a gift and so did everyone else and the cousin dutifully asked if we wanted it back at the cancellation of the wedding, to which everyone but her sisters replied, no, keep it, you might need it. Plus, at a lunch with the bride she told me that she didn't even want a shower. This was after her sister INSISTED she did and insisted she'd be embarrassed if it wasn't nice.
I did not have a shower for my wedding. I hate them and think they're a stupid waste of money and I told people if they really wanted to spend $1000 to watch me open a bunch of gifts I would save the gifts I got in the mail and they could come over, give me $1000 and I would open them in front of them.
2)The sister of the bride is constantly having parties for her children, which I also dont' attend because a)the kids don't need more presents and I'd feel obliged to bring one and spend money I could save on it b)I hate kid birthday parties almost as much as showers and c) the one time I did go to something for one of her kids and I did bring a gift I never got a thank you.
Same cousin (the sister, not the bride, we like the bride) did not attend my wedding, nor did she send a gift or a card. Still pisses me off - all of it.
And that is why Thanksgiving is my favorite holiday - no gifts!
I totally agree with your post, but you already got your point across before you went too far. Dick Head? Give me a break. Keep it clean.
Beautiful art! My cousen Is a fan of Origami, he create only flowers and he have a great result. thank you!
Alice radio hawks mattresses and the DJ banter is so inane that I immediately change the channel and boycott the mattress company--probably not their target demographic/intended outcome. It makes me think much, much lower of the DJs in the ad.
Is this post from personal experience working as a counselor or working with a counselor? Or is the info compiled from somewhere? What's the source then?
"Airlines were still in the THROES of deregulation..."
Jesus Christ.
Hello all,
I am a journalist in Chicago working on a story about freeganism. I'd love to speak with anyone invovlved in the movement/lifestyle. You can contact me at ryanbones at hotmail dot com. Or phone number: three zero 3 8O9 zero four 83.
Thanks,
Ryan
I take out 2 students per semester to lunch. But I had about six in my day that took care of me on a regular basis. Margaret Garcia-Couoh
I'm sure when auto loans and unsecured credit become as difficult to obtain as mortgages are becoming that there will be a shift in the average conception of need and want. Up till then, I swear people have been going by what's on the television. That said, inflation-adjusted wages have been stagnant since the 70s or something. That can't be sustainable as essentials like healthcare become a greater drag on family finance. We can agree that basic healthcare is an essential, right?
My neighbors have two 1980s era Nissans they use as regular commuters. These things must have paid for themselves like ten times, now. I'm jealous... my snazzy little 2000s era Volkswagen broke down at 60k and with $6000 still owed. Learned my lesson...
I live for the extra hour of light in the evening. I'm a zombie in the morning whether it's light or dark, but there is nothing more depressing than spending all day at the office and it being dark by the time you get to leave.
I gave up on non-news FM radio years ago when Clear channel started buying up and homogenizing the cool jazz stations out on the west coast. Every once in a while, while driving into work with my wife, my decision is validated by exactly this dynamic -- DJ's pretending not to be shilling for some sponsor while all the while doing exactly that. It is just pathetic. Would prefer silence to that garbage any day of the week.
I'm a professor. I am broke. I have a family to feed too and they live on my piddling salary. I love my students but cannot feed you. As much as I'd like to.
I'm a professor. I am broke. I have a family to feed too and they live on my piddling salary. I love my students but cannot feed you. As much as I'd like to.
ok i got a question how long or short??do u have to make your pipe or something that hooks from your still to the jar to distill?and can you give me a tip on what to use?