SAving money and decorating-My 2 passions in one article. I like the table cloth idea-I've done it a bit without even thinking. I could definitely do more instead of dreaming about a new table. Thanks, Barb Friedberg
Eh. You can do that analysis with any kind of job, salary or hourly. I do it all the time too. I just found that line odd, with the juxtaposition of unemployed and retail. I've read articles before on this website that have seemed to shame retail positions so I tend to keep an eye out for it and call people on it.
A job is a job and I think when Wise Bread gets on the high horse about menial jobs it does a disservice to the readership. When it comes down to it, $8/hour (or min. wage, as most Gaps tend to pay) is better than nothing an hour.
My husband and I have used prepaid phones (Virgin) for about 7 years. Our costs average about $10 each/month. FOR US, it works great. We don't talk on the phone much and text infrequently, we also have a land line. Most of our non face to face communication is via the web. Obviously, if one is a big phone user, it may not be an economical choice. Thanks for bringing up the topic.
Barb Friedberg
I understand and too have a mortgage with citi. Yes their customer service is terrible, and yes I'm in a similar situation. However, I ended up inheriting my father and my brother over a couple years ago. I rented a small 1 bedroom house which was all my needs were. In an attempt to save sanity I jumped into the housing market, and purchased a reasonable home for a reasonable price about 20k below others in the area and reasonable for rent if it were for that. Now two years later, my brother decided to vanish, I have my father i care for, and tooo much house. THe market continued to go down, rapidly in my sunny sunshine state. SO even paying more than the monthy payments, with the negative equity. My desire is to downsize.
Now, I am not complaining, or venting, but am asking for options on how to approach this. I fully recognize i moved into this decision to buy rapidly. And am willing to deal with the reprecussions myself. So I am trying to understand my options before i approach the lender (or at least what potential options there are if any for my situation)
1. I can sell the home at a loss, and tha tmoney must be taken to closing. correct?
2. Is there a way to sell the home at a loss, and purchase a smaller home in process.
Using the county tax appraiser this house has dropped in value from 215 k to approx 155k for the area. IS the county tax appraiser a good indicator of actual value of the house.
Where are some resources I can go to, to properly educated myself further on value, and selling a home? Is the bank mortgage department a viable source of info.
Again now i just pay the bills, and i have enough money for groceries afterwards so i'm grateful and thankful. But in a time of uncertainty, I would like to "slim" down in the event something happens to me.
I hope not to be flamed for my honest questions, and a request for info from people who have explored these avenues or are more knowledgeable than I.
Thanks in advance for any help or insight you may provide.
Thanks for the article. I just got a Netspend card in the mail and immediately worried that I had signed up for something that I didn't want. I hated the idea that I might have to spend my time getting this account deactivated if it indeed was linked to me in some way. I don't like getting unsolicited things in the mail that waste my time and cause me to worry.
Jen, thanks for asking about soy millk yogurt. I have not tried the recipes in this link but they don't look too difficult. Check out the recipe from the University of Illinois. I'd guess you will want to adjust the amount of sugar - the soy milk you buy may already be sweetened. I found another site that said not to substitute honey for the sugar, either. I am hoping other readers will chime in with more suggestions for you. Here is the link: http://www.soymilkmaker.com/recipe.html#soyyogurt
That sounds like a really lousy experience. I am really sorry to hear that you have to go through this so many times. I really do admire your gumption, though. You are definitely in my thoughts; I hope the next set of layoffs don't take place.
Hi, I got a Net spend card in the mail and i was wondering if i use my Net spend card to verify my PayPal and send for a PayPal card and just use my PayPal will i still have to pay the monthly fee.
Creditshout: Thank you for your kind words.
As for "Jeopardy!" -- everyone else will see you but I won't because I don't have a TV.
Good luck, though. And if you don't have much time to do research, at least page through "The Dictionary of Cultural Literacy." You never know when they're going to ask you for Hephaestus' Roman name.
(It's "Vulcan.")
Hi, I got a Net spend card in the mail and i was wondering if i use my Net spend card to verify my PayPal and send for a PayPal card and just use my PayPal will i still have to pay the monthly fee.
I think the most important question a retail investor can ask themselves - and they should do this with every investment - is "Exactly how can this investment return my capital?" With a lot of ETFs - as you've noted - it doesn't make any sense to be a long-term investor. With UNG, for one, being a long term investor doesn't work because you're working against contango prices.
But most investors just see "Oh, this is the United States Natural Gas fund, I'm bullish on natural gas, so I'll buy UNG."
Being right on the trend isn't really that difficult, but it's never enough to be right on the trend - you also have to pick investments that benefit from the trend. You could have been right on the trend of the biggest bull market in stocks between 1981 and 1999, and still gotten wiped out by picking bad investments. ETFs are the same story. If you don't do the work to find out exactly how your capital will come back to you, then you'll probably get wiped out. People have wrongly touted ETFs as easy, no-brainer ways to play the market, and those sentiments should ALWAYS send red-flags to investors, but some people never learn.
I see that someone made a reference to the "Jerry Baker" who gave himself the title of, "America's Master Gardener." I'm a different "Jerry Baker," and I support Alvin Greene, for "Man of the Year," on the cover of TIME magazine.
I use Page Plus it is nationwide, ( it piggybacks on verizon network) there is no service contract, I have used it successfully in all U.S. states, it includes unlimited phone, texting, and some internet for 44.95 a month. You can use your current phone if you get it jailbroken and synced or get a gsm phone that has the features you like. Personally I am looking into the android phones! Oh yeah and there is no fee for discontinuing service (bonus)!
For us allergy sufferers, this article is on point. Especially, for allergy sufferers who live in Atlanta, like myself. The pollen here is atronomical in the springtime.
If it gets to you, your options are to usffer through each and every pollen season (right around two months) or go to the doctor and pay right about $1 per day for allergy pills. Which is at least $60.
Those suckers are expensive.
I think I'll take you up on this advice ad try to avoid the doctor.
Thank you for posting this. I was thinking the same thing!! I am so tired of people recommending plus size stores with clothes with horrible quality. I'm just not a Target/Wal-Mart/thrift store type of girl (when it comes to clothes).
I know it sounds snobby but I've tried cheap stores and the fit of the clothes are horrible, no style, fabric is cheap which means it won't last long and most of the stuff looks faded. I love DKNY, Michael Kors and Calvin Klein is my absolute favorite. However now that I'm a 16 it's getting hard to find things that fit. All three of the designers carry plus-size but not for every style - and it's usually the styles I don't like.
I think the problem is that they associate weight with class. If you're overweight, you're low class and that's not the image they want to potray. However if we continue to make our case perhaps change will come. In the meantime this is a great motivator for me to lose weight - in addition to overall health. I will never be a size 4 and want to keep my curves. I received more attention as a size 14 than a size 8 but I have to be able to enjoy shopping and buy nice clothes. That's one of my greatest joys in life!!
My spouse has had this happen to him twice- he worked 60+ hours/wk and ran his department very well. He was liked by his employees but was let go due to downsizing from the company. He did not receive any severance package and was told he had medical benefits until the end of the month. We had 2 infants at the time and he was crushed over losing his job and distraught over what all of this meant to the family. He exercised daily and I did my best to console him everyday, but it didn't work. I worked part-time for minimum wage as much as I could. He contacted a recruiter and went on interviews. We calculated how much we had in savings to see how long we could stay in our place until we were homeless. After several months, he found a job and we sold everything to move out of state for that job. A couple years later, it happened again. This time, though, the kids were older and I worked more. He worked 2 jobs for a while before this happened and the second job pulled through by letting him work full-time. Mentally, we were in better shape. Within 2 weeks, he got another job. Currently, he still works 2 jobs and there is word that his job will close down his facility. So, we may face this again! Since we have gone through this before, we have made sure that we have a decent savings account and a home that has increased in value. We don't have any debt (except mortgage) and can brave this storm again. No matter how good an employee you are, it is up to the company to determine your value. And to hard-working people, that is a tough concept to grasp. We always thought that good workers were rewarded! Unfortunately, that's not always the case. In our case, we learned that it was not anyone's fault that the company downsized, exercise can help us vent, finding work of any kind helps financially and mentally and calling a recruiter can be your best defense. Since job stability is a thing of the past, we have to have some type of plan. That way, it can help lift us from our feelings of despair.
As one of the muckers, I really dislike reading or hearing people try to explain the unemployment rate and employment numbers as if it's a conspiracy theory.
I greatly appreciate a well written article that tries to explain what these data can and can't tell us. My opinion of this article is that it falls somewhere in the middle.
I have explained the unemployment rate and employment statistics very often and I always try to explain what these statistics can and can't tell us.
These statistics are limited. No one should ever think that they are the end all be all of the state of our economy. They offer simply two more perspectives on how our economy is faring.
There are many measures of the unemployment, yes. I recommend you finding one that most closely answers the question you have.
We're trying to be as unbiased as possible and as accurate as possible given the limitations of the data.
You should use the data with the same caution you use whenever you use statistics. Look at the methods and the limitations of the data and decide how much credence you want to give the information.
Thanks for the article. I think this data is important and I appreciate you shedding some light on it.
-Alyssa
SAving money and decorating-My 2 passions in one article. I like the table cloth idea-I've done it a bit without even thinking. I could definitely do more instead of dreaming about a new table. Thanks, Barb Friedberg
Jennifer, The title caught my eye and the article did not disappoint. wonderful analogy. Best, Barb
Eh. You can do that analysis with any kind of job, salary or hourly. I do it all the time too. I just found that line odd, with the juxtaposition of unemployed and retail. I've read articles before on this website that have seemed to shame retail positions so I tend to keep an eye out for it and call people on it.
A job is a job and I think when Wise Bread gets on the high horse about menial jobs it does a disservice to the readership. When it comes down to it, $8/hour (or min. wage, as most Gaps tend to pay) is better than nothing an hour.
My husband and I have used prepaid phones (Virgin) for about 7 years. Our costs average about $10 each/month. FOR US, it works great. We don't talk on the phone much and text infrequently, we also have a land line. Most of our non face to face communication is via the web. Obviously, if one is a big phone user, it may not be an economical choice. Thanks for bringing up the topic.
Barb Friedberg
I understand and too have a mortgage with citi. Yes their customer service is terrible, and yes I'm in a similar situation. However, I ended up inheriting my father and my brother over a couple years ago. I rented a small 1 bedroom house which was all my needs were. In an attempt to save sanity I jumped into the housing market, and purchased a reasonable home for a reasonable price about 20k below others in the area and reasonable for rent if it were for that. Now two years later, my brother decided to vanish, I have my father i care for, and tooo much house. THe market continued to go down, rapidly in my sunny sunshine state. SO even paying more than the monthy payments, with the negative equity. My desire is to downsize.
Now, I am not complaining, or venting, but am asking for options on how to approach this. I fully recognize i moved into this decision to buy rapidly. And am willing to deal with the reprecussions myself. So I am trying to understand my options before i approach the lender (or at least what potential options there are if any for my situation)
1. I can sell the home at a loss, and tha tmoney must be taken to closing. correct?
2. Is there a way to sell the home at a loss, and purchase a smaller home in process.
Using the county tax appraiser this house has dropped in value from 215 k to approx 155k for the area. IS the county tax appraiser a good indicator of actual value of the house.
Where are some resources I can go to, to properly educated myself further on value, and selling a home? Is the bank mortgage department a viable source of info.
Again now i just pay the bills, and i have enough money for groceries afterwards so i'm grateful and thankful. But in a time of uncertainty, I would like to "slim" down in the event something happens to me.
I hope not to be flamed for my honest questions, and a request for info from people who have explored these avenues or are more knowledgeable than I.
Thanks in advance for any help or insight you may provide.
-Matt
when i was a kid and we came home from the beach with jellyfish stings, my mother always put witch hazel on them and it REALLY helped.
Thanks very much for using my photo in your article!
Thanks for the article. I just got a Netspend card in the mail and immediately worried that I had signed up for something that I didn't want. I hated the idea that I might have to spend my time getting this account deactivated if it indeed was linked to me in some way. I don't like getting unsolicited things in the mail that waste my time and cause me to worry.
Jen, thanks for asking about soy millk yogurt. I have not tried the recipes in this link but they don't look too difficult. Check out the recipe from the University of Illinois. I'd guess you will want to adjust the amount of sugar - the soy milk you buy may already be sweetened. I found another site that said not to substitute honey for the sugar, either. I am hoping other readers will chime in with more suggestions for you. Here is the link:
http://www.soymilkmaker.com/recipe.html#soyyogurt
Hi, Lisa,
That sounds like a really lousy experience. I am really sorry to hear that you have to go through this so many times. I really do admire your gumption, though. You are definitely in my thoughts; I hope the next set of layoffs don't take place.
-Andrea
Hi, I got a Net spend card in the mail and i was wondering if i use my Net spend card to verify my PayPal and send for a PayPal card and just use my PayPal will i still have to pay the monthly fee.
Creditshout: Thank you for your kind words.
As for "Jeopardy!" -- everyone else will see you but I won't because I don't have a TV.
Good luck, though. And if you don't have much time to do research, at least page through "The Dictionary of Cultural Literacy." You never know when they're going to ask you for Hephaestus' Roman name.
(It's "Vulcan.")
Hi, I got a Net spend card in the mail and i was wondering if i use my Net spend card to verify my PayPal and send for a PayPal card and just use my PayPal will i still have to pay the monthly fee.
I think the most important question a retail investor can ask themselves - and they should do this with every investment - is "Exactly how can this investment return my capital?" With a lot of ETFs - as you've noted - it doesn't make any sense to be a long-term investor. With UNG, for one, being a long term investor doesn't work because you're working against contango prices.
But most investors just see "Oh, this is the United States Natural Gas fund, I'm bullish on natural gas, so I'll buy UNG."
Being right on the trend isn't really that difficult, but it's never enough to be right on the trend - you also have to pick investments that benefit from the trend. You could have been right on the trend of the biggest bull market in stocks between 1981 and 1999, and still gotten wiped out by picking bad investments. ETFs are the same story. If you don't do the work to find out exactly how your capital will come back to you, then you'll probably get wiped out. People have wrongly touted ETFs as easy, no-brainer ways to play the market, and those sentiments should ALWAYS send red-flags to investors, but some people never learn.
Easiest Plug-N-Go Money Making System Ever
Discover Exactly How To Make Money On The Internet
With A Simple Little Website That Sucks In Money Like Crazy!
http://www.PocketSomeDough.com
i want info abt carreer in s/w industry after BCS
THANKSSSSSSSSSSSSSS
I got ur massage
I see that someone made a reference to the "Jerry Baker" who gave himself the title of, "America's Master Gardener." I'm a different "Jerry Baker," and I support Alvin Greene, for "Man of the Year," on the cover of TIME magazine.
Read my blog at http://reykr.livejournal.com/
Gerald Baker
Duke
I use Page Plus it is nationwide, ( it piggybacks on verizon network) there is no service contract, I have used it successfully in all U.S. states, it includes unlimited phone, texting, and some internet for 44.95 a month. You can use your current phone if you get it jailbroken and synced or get a gsm phone that has the features you like. Personally I am looking into the android phones! Oh yeah and there is no fee for discontinuing service (bonus)!
For us allergy sufferers, this article is on point. Especially, for allergy sufferers who live in Atlanta, like myself. The pollen here is atronomical in the springtime.
If it gets to you, your options are to usffer through each and every pollen season (right around two months) or go to the doctor and pay right about $1 per day for allergy pills. Which is at least $60.
Those suckers are expensive.
I think I'll take you up on this advice ad try to avoid the doctor.
Thank you for posting this. I was thinking the same thing!! I am so tired of people recommending plus size stores with clothes with horrible quality. I'm just not a Target/Wal-Mart/thrift store type of girl (when it comes to clothes).
I know it sounds snobby but I've tried cheap stores and the fit of the clothes are horrible, no style, fabric is cheap which means it won't last long and most of the stuff looks faded. I love DKNY, Michael Kors and Calvin Klein is my absolute favorite. However now that I'm a 16 it's getting hard to find things that fit. All three of the designers carry plus-size but not for every style - and it's usually the styles I don't like.
I think the problem is that they associate weight with class. If you're overweight, you're low class and that's not the image they want to potray. However if we continue to make our case perhaps change will come. In the meantime this is a great motivator for me to lose weight - in addition to overall health. I will never be a size 4 and want to keep my curves. I received more attention as a size 14 than a size 8 but I have to be able to enjoy shopping and buy nice clothes. That's one of my greatest joys in life!!
My spouse has had this happen to him twice- he worked 60+ hours/wk and ran his department very well. He was liked by his employees but was let go due to downsizing from the company. He did not receive any severance package and was told he had medical benefits until the end of the month. We had 2 infants at the time and he was crushed over losing his job and distraught over what all of this meant to the family. He exercised daily and I did my best to console him everyday, but it didn't work. I worked part-time for minimum wage as much as I could. He contacted a recruiter and went on interviews. We calculated how much we had in savings to see how long we could stay in our place until we were homeless. After several months, he found a job and we sold everything to move out of state for that job. A couple years later, it happened again. This time, though, the kids were older and I worked more. He worked 2 jobs for a while before this happened and the second job pulled through by letting him work full-time. Mentally, we were in better shape. Within 2 weeks, he got another job. Currently, he still works 2 jobs and there is word that his job will close down his facility. So, we may face this again! Since we have gone through this before, we have made sure that we have a decent savings account and a home that has increased in value. We don't have any debt (except mortgage) and can brave this storm again. No matter how good an employee you are, it is up to the company to determine your value. And to hard-working people, that is a tough concept to grasp. We always thought that good workers were rewarded! Unfortunately, that's not always the case. In our case, we learned that it was not anyone's fault that the company downsized, exercise can help us vent, finding work of any kind helps financially and mentally and calling a recruiter can be your best defense. Since job stability is a thing of the past, we have to have some type of plan. That way, it can help lift us from our feelings of despair.
As one of the muckers, I really dislike reading or hearing people try to explain the unemployment rate and employment numbers as if it's a conspiracy theory.
I greatly appreciate a well written article that tries to explain what these data can and can't tell us. My opinion of this article is that it falls somewhere in the middle.
I have explained the unemployment rate and employment statistics very often and I always try to explain what these statistics can and can't tell us.
These statistics are limited. No one should ever think that they are the end all be all of the state of our economy. They offer simply two more perspectives on how our economy is faring.
There are many measures of the unemployment, yes. I recommend you finding one that most closely answers the question you have.
We're trying to be as unbiased as possible and as accurate as possible given the limitations of the data.
You should use the data with the same caution you use whenever you use statistics. Look at the methods and the limitations of the data and decide how much credence you want to give the information.
Thanks for the article. I think this data is important and I appreciate you shedding some light on it.
-Alyssa
Yes, thank God they quit testing on animals and used HUMANS instead. Why is this better? Hurt the human, but safe the rat? Good luck, doctor.
My son has a milk allergy and I can't find a decent soy yogurt in the stores. Anybody have suggestions for making it with soy milk?