If you're actually in a foreign country, earning money in a foreign currency isn't much different than earning money in your own currency when you're at home. You have the usual choices:
1) Interest and dividends. You can put your money in a UK bank and earn interest, or you could invest in the stock of UK companies that pay dividends in pounds. (If you're borrowing money, this is probably not a way to come out ahead.)
2) Employment. In the US, I think a student visa would permit you to work on campus as a teaching assistant or research assistant, and may permit some other kinds of work as well. I have no idea what the law is in the UK.
3) Non-employment work. Even if your visa doesn't permit you to take a job, you might be able to do other kinds of work. (Maybe you could knit and sell sweaters. Maybe you could write articles for UK magazines on a freelance basis. Maybe you could tutor undergrads in whatever your field is.)
In any case, it isn't the means of earning the money that's different, it's just who's paying you the money (because that usually determines what currency they're going to pay in).
The entire premise is moronic. Firstly, the 450 weekly payment (in my state at least) is the maximum and requires 11,500 in quarterly income to qualify for. You have a serious blind spot if you think anyone would prefer doing nothing and receiving 12/hour which equals half the salary they have built their lifestyle around, to the dignity of working everyday (being unemployed doesn't make you feel very good about yourself) earning twice that. Anyone who's income was low enough to view 12/hr as "generous" would not qualify for that level of benefits. A minimum wage earner would only qualify for HALF of that, a "generous" 13,000/year in benefits. They're starving. Get your facts straight.
Hi "Lucky Kitty." I think I'd be really nervous about giving my dog or cat vaccines on my own, but I guess if you have a steady hand and know how to give your pet a shot, what vaccine they need, and when they need it, that would be a good way to save some money. And thank you for sharing the info about low cost spay/neuter coupons! It is really important for pet owners to know that they can get their pet spayed or neutered without breaking the bank. It is definitely essential to help control the pet population because there are so many animals out there who need homes!
Hi Susan! I didn't know that the quick retreats up the nail if you trim just a little bit of the nail at a time. That's really useful info and I'm sure it cuts back on how frequently you have to trim your pet's nails! Thank you for sharing! :)
When you are trimming your pet's nails. Just take a little bit each time, especially if it has been a while. By doing it a bit at a time, the quick will retreat up the nail and give you a slightly larger area to work with. You might also consider a nail file or dremel (if you are very brave) to take the rough edges off so they don't snag on clothing or skin. If you go the dremel route, take the time to get your dog used to it and use it regularly (weekly), you can avoid having to cut the nails at all. Also, if you will trim them, get some stiptic from a ranch supply store. Tap a bit into the lid and put the bleeding nail into that. Most dogs are drama queens when it comes to a nail trim so ignore it. Cats are a LOT easier to trim the nails on and I have used toenail clippers on our cat.
Connecting with customers rather than sending a one-way broadcast is definitely the point of social media, thanks for stating what I didn't say expressly. Presumably, customers have demonstrated a desire to connect with your business via a like on Facebook or a follow on Twitter, for example; giving them info of value (including alerts on sales) can be a first step in opening the conversation.
What I learned from Heidi is that marketing and listening are embedded, and that is often a key to innovation -- finding the intersection between what you offer (and what's profitable) and what customers who are your target audience(s) want. Setting some boundaries for the business along with goals can make social media effective as a marketing/communication tool.
Great article. My two money saving tips are:
1) Use a gift card exchange (like http://gifts.cardhub.com/us/gift-card-exchange/ ) to sell your unwanted gift cards for cash and to buy gift cards at a discount.
2) Use a cash back credit card that you plan to pay back in full at the end of the month. In that way you get the cash back rewards without incurring interest or going over your budget!
Can you comment on whether this is any different from other non-mechanical/non-electronic filtering systems? I use a size 2 Melitta filter for single-cup brewing.
What are some ways I can diversify internationally? I'm planning a move to the UK next fall for graduate school and expect to pay my way through a combination of savings and a loan (total for year: about 20,000-22,000 pounds). I've already lived in France during one of the worst exchange rates since the adoption of the euro so I'm expecting the worst, but this news is truly disheartening. Any advice?
Well, 80% of self-made millionaires were Highschool drop-outs. They found no correlation beetween the environment you are coming from, the love you had when you were a child, the money your parents made etc. and your later success.
At certain point in your life you have to realize that you are the one who is in charge of your future. So, do not blame anyone else, you are the Boss.
if u can handle your transportation without the car that would be great. i live in LA n it's nearly impossible to live without a car here. i work, i go to school, i go for hiking, gym, nd blah blah. cuz the thing is everywhere you wanna go it's more than few miles away even in the city. but when your work,school,home is in three different city all around LA, u need a car. im 20, student, and i pay my rent and everything.i wait table for part time cuz im a student nd i make no more than 1800 per month. i've had used cars in last three years nd i was so over it. every few months u gotta throw few hundred bucks for repairs nd it's not worth it.so i bought a car without telling my parents. 2008 honda accord EX sedan.i pay 400 per month,120 insurance, 200 gus per month. now add my rent, food,clothing, (60-80$ for cigarattes per month). i deal with it. because you get what you pay for. it's worth buying a car instead of repairing a car. I could complain like you, i could say i pay more than 600 wtf, but man! you get what you pay for. if the car is not your desired need you should sell it. but hey think bout it, you can go to beach, up to mountains whenever you feel like you need air, go everywhere, roadtrip,travel, you can have privacy in your car. i dont know where you live, i wouldnt drive if i were in NY for example, but i just wanted to say cheer up! you seems young like me, if you want the car work little harder u no what i mean :)
There are various tips while investing in mutual fund.
Stay invested: Unless we fear a total meltdown and expect the Sensex to move back down to 8,000 levels, we should stay invested.
Use opportunities to add to your portfolio: Market corrections provide patient investors with a great opportunity to add to their holdings, because funds become cheaper.
Cut out the noise, think long-term: The long-term future for our economy is safe, in fact quite bullish. The biggest favour we could do ourself is to invest in high-quality mutual funds that are invested in companies that will benefit from India’s long-term growth. http://www.guidetoinvest.net/
Don’t try stock picking at home: Stock picking is not for everyone – one needs time, expertise, and research capabilities, all of the things that give professional investors an edge over the retail investor.
Sorry but thats the problem now, tax payers constantly being used. The US is the worlds cash cattle, we are charged higher royalties and everything. 300% for flat screen tv's while Brazil pays 0%. We will have to go back to the barter system and farming more, because food, water, and shelter are bare necessities.
Damn right I would sell my vote, its hard to decide who to vote for with all the dirt they seem to get into, so why not go for the one willing to pay for it? Its funny to consider it illegal when these people do so many other crooked things, George W. Bush isn't in jail for starting a feux-war business venture and Cheney collecting our tax dollars by providing contracting services for someone else's country and Louisiana still looks like 100lbs of poop in a 3lb bag. (HA!)
Can't forget what George W. Bush said:
"Forget about Afghanistan, let's overshadow it with Iraq so my former business partner (The Bin Laden Family; also resided in Texas) and my initial campaign contributor (Osama) can get away with killing the American people (we will go after them don't worry, but we will give him a 2 week head start to get away). ..............Ok my Presidency is over...no matter what you all say, (i'm filthy stinking rich, you're NOT and) its not my problem anymore."
(People supported him thinking it was the Patriotic and "White" thing to do, and it rocked our Nation, do we enjoy struggling and losing houses, watching all these empty condo buildings occupy space because people can't afford them? Hell no, so whats selling a vote?)
A vote being sold versus a President and his comrades scamming Americans, isn't so bad. He is still making money off of this FCAT (Jeb Bush makes money off the TCAT) crap thats pissing on students who fail it (even if they've gone through k-12 with a 4.0gpa).
Thank you so much for the help. I went to the reccomended website to see how to hack mine it worked first time. I was about to buy a new player if it wasnt for you. I have a bunch of Man United Dvd's i can watch now. Thanks again.
I enjoyed your article. For me, I always feel more comfortable investing in my own business that I have ultimate control over and can influence my "return" directly.
Zorcy,
Just made a few gallons of corn whiskey here. Okay, maybe the traditionalists and purists out there would crucify me me for even calling it corn whiskey, but it tastes damn good! Boiled up a load of polenta, the cheapo maize stuff you get in the bargain tubs at the discount store, a few bags of white sugar, and a couple of pounds of barley malt from the homebrew shop, (just for the beta amylase to break down the corn starch).Got a fermentation to around 18%. But what I want to ask is......sour mash??? Do you just save the yeast from the bottom of the wash for the next brew, like making a sourdough bread, to get a consistent flavour from the yeast? Or do you re-use the wash over and over again, just putting in more sugar/ corn/ whatever , and NEW yeast in it and aerating the bejasus out of it to start it off? Or do you save both the old wash AND yeast? And just by the way, that "Georgia Moon", (guaranteed less than 30 days old) white whiskey, that seems to be advertised everywhere lately,seems to be worse than anything anybody here has made, according to the reviews of it!! Sold in a mason jar as well!
I agree entirely with this article. Cheap shoes are just not worth it. The only time I'll get "cheap" shoes is for working out- and they still had better be quality and comfortable and I'm willing to pay about $60 for them. I expect that if I am working out in them every day they should last me about 2 years. i usually look for new balance.
For every day I am pretty much exclusively a Doc Martens gal. I know it's not 1996 anymore- but they are still the most comfortable and durable pair of shoes I can find. AND they are starting to be a bit more fashionable in my opinion.
My first pair I got when I was 16 and I got rid of them when I was 28 and I donated them because they were still perfectly good I just didn't use them anymore. TWELVE years for a $100 pair of boots- I'd say they did their time for the money for sure.
I am a pretty low maintenance girl though. A summer pair - sandals. a winter pair- boots or shoes. and I'm happy. Some day I may add a "girlie" pair for dresses but since they are not essential I've gone without.
other good brands for women are usually very earthy, not so much fashionable- dansko, birkenstock, simple, teva, keen...
We have three kids, all under the age of ten. Here in the UK, successive governments have said they support working families but they just don't. With three kids, your average small car just doesn't cut it, so we have a larger car to accomodate three kids safety seats in the back. With fuel taxed off the scale, we're considerably worse off as a result of running the larger car, which we can't operate without.
We also took the decision some years back that my wife wouldn't work and that we'd live on one wage and always be able to look after the kids without imposing on family or friends, paying out a fortune on childcare or burdening the state. I pay almost a full person's wage worth of tax and deductions every month but my wife's tax allowance goes begging and she gets only basic family allowance (aka child benefit) which is a universal benefit here in the UK, now due to be withdrawn in 2013 by the Tory/Lib government.
I'm well paid, I admit it, but even we find it hard to make ends meet. No guarantee of a holiday from one year to the next and no frills or nights out can be afforded most months.
As for the cost of raising kids? I couldn't honestly say what it has cost us. The nappy (diaper) bills have stopped thankfully but the weekly activity costs for the kids are well underway. Every month, the kids activities alone (dancing, swimming etc) cost us about GBP£200, and that's before we've bought any equipment or kit for them.
The cost of having kids in the UK if you are working and intent on not sponging off the state is insane, but you know, I wouldn't have it any other way.
the netsend card is great "if you use it right". i have 3, one that i keep money on & two that i use for buying things online & paying bills. by me transfering funds to one of my two other cards when i need to buy or pay a bill online helps keep my money safe. there's no fee to transfer money to other card & a $1 fee each time i buy or pay a bill. but there is a $3 fee to put money on the card. i don't use it at stores or atm's, only online. when i do something online i find out the total price add $1 & then transfer the money to the card that i plan on useing "no more & no less". so if for some reason i am charge some extra fee it won't go or this they try to charge me later for something, they won't get it, becuse the card will be at $0. all in all they are cheaper than a bank & one more good thing they text you each time you or someone else adds or takes money from your card "now most banks won't do that". if you use the card right you can save & be safer. do the math, it may be right for you.
If you're actually in a foreign country, earning money in a foreign currency isn't much different than earning money in your own currency when you're at home. You have the usual choices:
1) Interest and dividends. You can put your money in a UK bank and earn interest, or you could invest in the stock of UK companies that pay dividends in pounds. (If you're borrowing money, this is probably not a way to come out ahead.)
2) Employment. In the US, I think a student visa would permit you to work on campus as a teaching assistant or research assistant, and may permit some other kinds of work as well. I have no idea what the law is in the UK.
3) Non-employment work. Even if your visa doesn't permit you to take a job, you might be able to do other kinds of work. (Maybe you could knit and sell sweaters. Maybe you could write articles for UK magazines on a freelance basis. Maybe you could tutor undergrads in whatever your field is.)
In any case, it isn't the means of earning the money that's different, it's just who's paying you the money (because that usually determines what currency they're going to pay in).
The entire premise is moronic. Firstly, the 450 weekly payment (in my state at least) is the maximum and requires 11,500 in quarterly income to qualify for. You have a serious blind spot if you think anyone would prefer doing nothing and receiving 12/hour which equals half the salary they have built their lifestyle around, to the dignity of working everyday (being unemployed doesn't make you feel very good about yourself) earning twice that. Anyone who's income was low enough to view 12/hr as "generous" would not qualify for that level of benefits. A minimum wage earner would only qualify for HALF of that, a "generous" 13,000/year in benefits. They're starving. Get your facts straight.
Hi "Lucky Kitty." I think I'd be really nervous about giving my dog or cat vaccines on my own, but I guess if you have a steady hand and know how to give your pet a shot, what vaccine they need, and when they need it, that would be a good way to save some money. And thank you for sharing the info about low cost spay/neuter coupons! It is really important for pet owners to know that they can get their pet spayed or neutered without breaking the bank. It is definitely essential to help control the pet population because there are so many animals out there who need homes!
Hi Susan! I didn't know that the quick retreats up the nail if you trim just a little bit of the nail at a time. That's really useful info and I'm sure it cuts back on how frequently you have to trim your pet's nails! Thank you for sharing! :)
Hi Liz! Thanks for sharing! I didn't know that some shelters offered cheaper vaccines. Very useful information! :)
When you are trimming your pet's nails. Just take a little bit each time, especially if it has been a while. By doing it a bit at a time, the quick will retreat up the nail and give you a slightly larger area to work with. You might also consider a nail file or dremel (if you are very brave) to take the rough edges off so they don't snag on clothing or skin. If you go the dremel route, take the time to get your dog used to it and use it regularly (weekly), you can avoid having to cut the nails at all. Also, if you will trim them, get some stiptic from a ranch supply store. Tap a bit into the lid and put the bleeding nail into that. Most dogs are drama queens when it comes to a nail trim so ignore it. Cats are a LOT easier to trim the nails on and I have used toenail clippers on our cat.
This will do the same thing and it sits directly on your mug. Even fewer bells and whistles.
http://www.amazon.com/Melitta-64008-Ready-Filter-Cone/dp/B000YA7OUK
Connecting with customers rather than sending a one-way broadcast is definitely the point of social media, thanks for stating what I didn't say expressly. Presumably, customers have demonstrated a desire to connect with your business via a like on Facebook or a follow on Twitter, for example; giving them info of value (including alerts on sales) can be a first step in opening the conversation.
What I learned from Heidi is that marketing and listening are embedded, and that is often a key to innovation -- finding the intersection between what you offer (and what's profitable) and what customers who are your target audience(s) want. Setting some boundaries for the business along with goals can make social media effective as a marketing/communication tool.
Well, I am from India and we have been doing this for atleast a century. You can find the indian version here
http://en.wikipedia.org/wiki/File:Disassembled_South_Indian_coffee_filte...
-Sans
Hey Craig,
Great article. My two money saving tips are:
1) Use a gift card exchange (like http://gifts.cardhub.com/us/gift-card-exchange/ ) to sell your unwanted gift cards for cash and to buy gift cards at a discount.
2) Use a cash back credit card that you plan to pay back in full at the end of the month. In that way you get the cash back rewards without incurring interest or going over your budget!
Can you comment on whether this is any different from other non-mechanical/non-electronic filtering systems? I use a size 2 Melitta filter for single-cup brewing.
What are some ways I can diversify internationally? I'm planning a move to the UK next fall for graduate school and expect to pay my way through a combination of savings and a loan (total for year: about 20,000-22,000 pounds). I've already lived in France during one of the worst exchange rates since the adoption of the euro so I'm expecting the worst, but this news is truly disheartening. Any advice?
Well, 80% of self-made millionaires were Highschool drop-outs. They found no correlation beetween the environment you are coming from, the love you had when you were a child, the money your parents made etc. and your later success.
At certain point in your life you have to realize that you are the one who is in charge of your future. So, do not blame anyone else, you are the Boss.
Some other ways to save some water:
- Water early in the morning or later in the evening when the temperature is a little bit colder.
- Water deeply but less frequently to create healthier and stronger landscapes.
- By adding aerators to existing office faucets, you can cut faucet water consumption in half.
- Turn water off when brushing teeth or shaving.
- Do not use toilet as a garbage can.
I hope that helps.
if u can handle your transportation without the car that would be great. i live in LA n it's nearly impossible to live without a car here. i work, i go to school, i go for hiking, gym, nd blah blah. cuz the thing is everywhere you wanna go it's more than few miles away even in the city. but when your work,school,home is in three different city all around LA, u need a car. im 20, student, and i pay my rent and everything.i wait table for part time cuz im a student nd i make no more than 1800 per month. i've had used cars in last three years nd i was so over it. every few months u gotta throw few hundred bucks for repairs nd it's not worth it.so i bought a car without telling my parents. 2008 honda accord EX sedan.i pay 400 per month,120 insurance, 200 gus per month. now add my rent, food,clothing, (60-80$ for cigarattes per month). i deal with it. because you get what you pay for. it's worth buying a car instead of repairing a car. I could complain like you, i could say i pay more than 600 wtf, but man! you get what you pay for. if the car is not your desired need you should sell it. but hey think bout it, you can go to beach, up to mountains whenever you feel like you need air, go everywhere, roadtrip,travel, you can have privacy in your car. i dont know where you live, i wouldnt drive if i were in NY for example, but i just wanted to say cheer up! you seems young like me, if you want the car work little harder u no what i mean :)
There are various tips while investing in mutual fund.
Stay invested: Unless we fear a total meltdown and expect the Sensex to move back down to 8,000 levels, we should stay invested.
Use opportunities to add to your portfolio: Market corrections provide patient investors with a great opportunity to add to their holdings, because funds become cheaper.
Cut out the noise, think long-term: The long-term future for our economy is safe, in fact quite bullish. The biggest favour we could do ourself is to invest in high-quality mutual funds that are invested in companies that will benefit from India’s long-term growth. http://www.guidetoinvest.net/
Don’t try stock picking at home: Stock picking is not for everyone – one needs time, expertise, and research capabilities, all of the things that give professional investors an edge over the retail investor.
Sorry but thats the problem now, tax payers constantly being used. The US is the worlds cash cattle, we are charged higher royalties and everything. 300% for flat screen tv's while Brazil pays 0%. We will have to go back to the barter system and farming more, because food, water, and shelter are bare necessities.
Damn right I would sell my vote, its hard to decide who to vote for with all the dirt they seem to get into, so why not go for the one willing to pay for it? Its funny to consider it illegal when these people do so many other crooked things, George W. Bush isn't in jail for starting a feux-war business venture and Cheney collecting our tax dollars by providing contracting services for someone else's country and Louisiana still looks like 100lbs of poop in a 3lb bag. (HA!)
Can't forget what George W. Bush said:
"Forget about Afghanistan, let's overshadow it with Iraq so my former business partner (The Bin Laden Family; also resided in Texas) and my initial campaign contributor (Osama) can get away with killing the American people (we will go after them don't worry, but we will give him a 2 week head start to get away). ..............Ok my Presidency is over...no matter what you all say, (i'm filthy stinking rich, you're NOT and) its not my problem anymore."
(People supported him thinking it was the Patriotic and "White" thing to do, and it rocked our Nation, do we enjoy struggling and losing houses, watching all these empty condo buildings occupy space because people can't afford them? Hell no, so whats selling a vote?)
A vote being sold versus a President and his comrades scamming Americans, isn't so bad. He is still making money off of this FCAT (Jeb Bush makes money off the TCAT) crap thats pissing on students who fail it (even if they've gone through k-12 with a 4.0gpa).
Thank you so much for the help. I went to the reccomended website to see how to hack mine it worked first time. I was about to buy a new player if it wasnt for you. I have a bunch of Man United Dvd's i can watch now. Thanks again.
Risk to get to the point to earn the right to capital gains, interest, rent, dividends, etc.
I enjoyed your article. For me, I always feel more comfortable investing in my own business that I have ultimate control over and can influence my "return" directly.
Zorcy,
Just made a few gallons of corn whiskey here. Okay, maybe the traditionalists and purists out there would crucify me me for even calling it corn whiskey, but it tastes damn good! Boiled up a load of polenta, the cheapo maize stuff you get in the bargain tubs at the discount store, a few bags of white sugar, and a couple of pounds of barley malt from the homebrew shop, (just for the beta amylase to break down the corn starch).Got a fermentation to around 18%. But what I want to ask is......sour mash??? Do you just save the yeast from the bottom of the wash for the next brew, like making a sourdough bread, to get a consistent flavour from the yeast? Or do you re-use the wash over and over again, just putting in more sugar/ corn/ whatever , and NEW yeast in it and aerating the bejasus out of it to start it off? Or do you save both the old wash AND yeast? And just by the way, that "Georgia Moon", (guaranteed less than 30 days old) white whiskey, that seems to be advertised everywhere lately,seems to be worse than anything anybody here has made, according to the reviews of it!! Sold in a mason jar as well!
I agree entirely with this article. Cheap shoes are just not worth it. The only time I'll get "cheap" shoes is for working out- and they still had better be quality and comfortable and I'm willing to pay about $60 for them. I expect that if I am working out in them every day they should last me about 2 years. i usually look for new balance.
For every day I am pretty much exclusively a Doc Martens gal. I know it's not 1996 anymore- but they are still the most comfortable and durable pair of shoes I can find. AND they are starting to be a bit more fashionable in my opinion.
My first pair I got when I was 16 and I got rid of them when I was 28 and I donated them because they were still perfectly good I just didn't use them anymore. TWELVE years for a $100 pair of boots- I'd say they did their time for the money for sure.
I am a pretty low maintenance girl though. A summer pair - sandals. a winter pair- boots or shoes. and I'm happy. Some day I may add a "girlie" pair for dresses but since they are not essential I've gone without.
other good brands for women are usually very earthy, not so much fashionable- dansko, birkenstock, simple, teva, keen...
We have three kids, all under the age of ten. Here in the UK, successive governments have said they support working families but they just don't. With three kids, your average small car just doesn't cut it, so we have a larger car to accomodate three kids safety seats in the back. With fuel taxed off the scale, we're considerably worse off as a result of running the larger car, which we can't operate without.
We also took the decision some years back that my wife wouldn't work and that we'd live on one wage and always be able to look after the kids without imposing on family or friends, paying out a fortune on childcare or burdening the state. I pay almost a full person's wage worth of tax and deductions every month but my wife's tax allowance goes begging and she gets only basic family allowance (aka child benefit) which is a universal benefit here in the UK, now due to be withdrawn in 2013 by the Tory/Lib government.
I'm well paid, I admit it, but even we find it hard to make ends meet. No guarantee of a holiday from one year to the next and no frills or nights out can be afforded most months.
As for the cost of raising kids? I couldn't honestly say what it has cost us. The nappy (diaper) bills have stopped thankfully but the weekly activity costs for the kids are well underway. Every month, the kids activities alone (dancing, swimming etc) cost us about GBP£200, and that's before we've bought any equipment or kit for them.
The cost of having kids in the UK if you are working and intent on not sponging off the state is insane, but you know, I wouldn't have it any other way.
the netsend card is great "if you use it right". i have 3, one that i keep money on & two that i use for buying things online & paying bills. by me transfering funds to one of my two other cards when i need to buy or pay a bill online helps keep my money safe. there's no fee to transfer money to other card & a $1 fee each time i buy or pay a bill. but there is a $3 fee to put money on the card. i don't use it at stores or atm's, only online. when i do something online i find out the total price add $1 & then transfer the money to the card that i plan on useing "no more & no less". so if for some reason i am charge some extra fee it won't go or this they try to charge me later for something, they won't get it, becuse the card will be at $0. all in all they are cheaper than a bank & one more good thing they text you each time you or someone else adds or takes money from your card "now most banks won't do that". if you use the card right you can save & be safer. do the math, it may be right for you.