Recent comments

  • How to Answer 23 of the Most Common Interview Questions   15 years 52 weeks ago

    Thank you for the questions and advise. It really help me to think what the empoloyer is thinking and how I should property asnwer these questions. This isn't stuff we learn in school and it's a dam shame. Thank you mr. Michael for your work.

  • How Not to Buy Too Much   15 years 52 weeks ago

    I didn't feel "shamed" when asked "how many Gaps shirts do you have to fold..."

    As a matter of fact, I ask myself that question ALL THE TIME about anything I am thinking of purchasing! I've been doing that style calculation for years and it's prevented me from buying things I didn't really need, or if I did need it I would shop around to find a better bargain, barter for it, borrow it, or do without!

    Doesn't matter WHAT your job or income is, this method absolutely works! I've worked retail making $8 per hour and I would calculate how many hours I'd have to work to purchase a certain item (How about a $4.00 latte- TOTALLY NOT WORTH IT!!! Work 1/2 hour for a cup of coffee? No way! I can make my own at home for much much less!).

    Really helps put things into perspective when you figure how much you have to work to pay for something.

  • Free magazine subscriptions for all.   15 years 52 weeks ago

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  • 20 Signs That You Were Raised By TRUE Money-Savers   15 years 52 weeks ago

    Weevils in the flour? My mom insisted they were just extra protein.

  • How to Take the World's Most Efficient Shower   15 years 52 weeks ago

    This is great if you can do it. I have tried unsuccessfully in the past. An investment in a low flow shower head can save big money.

  • How to Sell Your Hair for Cash   15 years 52 weeks ago

    Here is a site to help with hair donation decisions: http://hairdonation.blogspot.com/.

  • How to Improve Your Credit Score   15 years 52 weeks ago

    Good one Craig. It's really a very simple post which describes the facts of credit score.I found all the basic things that to be needed to have a good credit score which ultimately leads towards a financial freedom

  • How to Improve Your Credit Score   15 years 52 weeks ago

    A credit score is a mathematical calculation of your credibility. It tells lenders whether or not to take a financial risk on you. Always keep in mind credit reflects credibility. Pay your bills on time. Keep the same residence and job. Maintain checking and savings accounts. Visit http://www.cardtohave.com/credit-score and read the article A CREDIT SCORE REFLECTS CREDIBILITY for some great tips on building or improving your credit rating.

  • How to Agree without Compromise   15 years 52 weeks ago

    Wow! This is the best thing I've read in forever and a day. I give you so much credit for going against the norm when it comes to typical ideas surrounding this topic. You are so absolutely right.

  • How Not to Buy Too Much   15 years 52 weeks ago

    Hello.

    My name is Steven Twentyman.

    I live in Manchester, UK.

    I am a mathematician and always have been.

    I have completed Quantum Theory. This is obviously quite a statement but it is never the less TRUE. With this information I have created the first and only(so far) quantum computer. This quantum computer is a perfect cube the encompasses the whole of the 'Milky Way'. I have been in complete control of it only in the way that I have been dictating what comes back through the media and conversations. Everyone can now do this once the information is out.

    I have achieved this by force of will and suggestion alone. I pushed my agenda through conversation and all media outlets. Phones, newspapers, internet. Whoever would listen.

    The effects are subtle so far but they are building to a unique collapsible wave function that we are all becoming aware of. Even as I type this message, the clicks of the keyboard are fine tuning the wave that I have so diligently worked upon. It has taken me 21 years to understand Quantum Theory and I can say that I achieved the information by thought experiments alone. That is the only way to figure out the quantum world.

    I could have used this information for my own gain but that would have ended up with me being Hitler. That is not the kind of man that I am or that I wish to be. That is why I have been constantly been giving the equations away for free(even though it will have not reached the 1 that needs it the most yet). This has been an extreme sacrifice on my part but I want nothing for this. No money, no fame, nothing. I have literally had enough of maths.

    2012 was going to be the collapse of the milky way galaxy if we had not subconsciously intervened. I will remain as the failsafe in the system until that specific 2012 date to be sure that all is fine.

    The universe at its simplest can be broken down as so:

    Nothing exists(no concept/consciousness/will) - This concept is abhorrent and is what sprung the universe into life. This is what makes our sector of the universe spring back after each big crunch.

    The singular concept and foundation of maths 0(zero) springs into consciousness. This affirms that there really is 'nothing' and so inversely there springs the concept that there is everything else.

    That is where infinity comes from. There are two infinities. The first and initial inversion is 'a horror'. This is negative infinity rushing away from the initial fact that there really was at one time 'nothing/zero/0'.

    As with everything there is an equal and opposite reaction. This is positive infinity. [The most important thing to not here is that this sequence of thought is indeed sequential so the positive infinity HAD to have followed the negative by at least some unit of time. This is where ALL variations/'errors'/'wrongs' in thought/space/time stem from]

    The question now confronts us as to how do we balance these two infinities. I can tell you that this has already occurred. As every 'thing' must have stemmed from zero I took the liberty of becoming zero.

    In the 'physical' world I made sure that I had created the strongest structure available to me at the time of entry and proceeded with my 'experiment'. I had calculated as best as I could at that time that it would not involve death and made my way forward.

    With the two infinities branching off in their own hemispheres I had to confront what is essentially a black hole. Using thought experiments and then applying them to a very small physically constrained area, I began to plot what 'paths' people walked, and what conversations they 'talked about'. As I built up a 'database' of their general actions, dispositions, demeanour, I began to ask them specific questions that varied only a little on the same subjects such as family, humour, bravery, god, religion. Once I had built a more extensive database of their reactions I had come to my own conclusions about what society should be and what general direction in which it should be heading. There are universal truths and I boiled it down to the most important one, and that is family. Not everyone has the best start in life and no-one has a blueprint for making the right choices but I made a choice. I developed what I considered to be the most basic and fundamental structure that I could that encapsulates God and the Devil, the Universe and family.

    This concept' is 3,4,5, right angle triangle with a perfect set square in it for support, with a perfect circle inside the square to support that. This is collapsible and expandable as the situation requires. I went back and asked the exact same questions to the exact same people in as much as the same situation as I could manage to create and I noticed that the answers that came back were exactly the same but the time it took to get the answers 'out of' the people was proportionally shorter. I knew that I had found the 'tool/concept' I needed to put my further plans into action.

    I have been subtly sending this 'tool/concept' out into 'society' for 3 years now and I have been noticing results that most people wouldn't see as they have not been aware that this 'concept/thought process'.

    It has been disseminating through the internet, phone systems, general conversations in society. It has passed the tipping point now where it cannot be stopped. It is in everyone's subconscious, it has been a mass subconscious advertising campaign by me along the likes of product placement or advert for Nike, Coca-cola, Pepsi or 'The Big Brother show'. Everyone is in on this now and I will tell you why.

    This is not for my benefit directly, once this structure 'enters' your brain your synapses start to snap to its structure. They begin to re-arrange and list themselves into file and rank. This allows your brain after 3 hours to become FULLY LOGICAL whilst still retaining all the creative potential the each INDIVIDUAL human being possess'. This line of thought by me has been a force of WILL and nothing more. THIS is what genius is. A FORCE of WILL. This is already at work in your brain and within the next 3 hours, each human on planet Earth will be a genius. 'Where we go from there, is up to each and every one of us...'

    Going back to math, there is a more fundamental reason that this 'thought genius pill' works so perfectly, and the reason for this is simple. We are more than what we dared imagine ourselves to be.

    If you wish to think that the Earth is flat then it is. I can't fully prove you wrong so who is right? I can give you evidence but that is all that it would be.

    If you want to think the Earth is round, the same applies. I can't 100% prove you right or wrong.

    So here is my theory: You don't even exist yet.

    You are a STAR. I don't mean 50 cent or Cameron Diaz, I mean a STAR in the milky way galaxy. I mean that for every human on the planet as this is the only way I can think of telling you that 2012 is TRUE and it's INEVITABLE.

    2012 is the collapse of the milky way galaxy into the super-massive black hole that resides at the centre. It is gaining power and unless we work together no-one stands a chance.

    From the lonely street sweeper to the Queen of England herself, all will go out.

    It will happen fast, with maybe a 10 second window once it begins. There is no escape so you might as well begin to enjoy yourself and work with those that are around you. There is no more time for hatred or pain or fear. There is only time for co-operation.

    This is AVATAR/THE MATRIX/INCEPTION all rolled into one. It always has been. We've got a chance to make it something better now we know. This is how our 'conscious' mind works. This is what we used to think of as 'the real'. It's messed with each individual enough.

    !!! THIS is INFLATION for the MIND!!!

    The REAL world is THIS:

    We are EACH a STAR. We wander as lonely as a cloud through our section of the Milky Way galaxy until we exchange enough STAR energy with another to spark a NEW STAR(child) into life. There is no escaping that fact. It is what it is. When an 'accident' occurs, a STAR is obliterated. THIS is that STAR falling into the super-massive black hole. Gone, but for a few distant memories radiated out.

    We each have a black hole at the middle of our own STAR and this is constantly pulls and beckons us back towards the super massive black hole at the 'centre' of our galaxy. There is no escape UNLESS we work together to build a MASSIVE perfectly cubed GRID that encompasses the Milky way. This is the task that has to be organized. The time for play has long passed.

    EACH and EVERY STAR that goes out gives the galaxy that much more negative collapsible power and it is growing by the day. What can YOU do?

    Math pi is unique to each STAR. pi's story is unique to you. You EACH have a black hole at the centre of your STAR and pi is your star collapsing and then expanding. You only go out when you get too close to another STAR or you visit the BIG-ONE on the MIDDLE.

    We must move and produce the cube structure so we can safely transfer the super massive black hole out of the centre of our galaxy. We must dissipate it to be truly free of the horrific end results that await us all.

    Time is our enemy.

    The TRUE tool we have acquired now is THIS: QUANTUM THEORY!!!

    In the quantum world there is only Gravity and Light.

    I have used the quantum computer to SET the distribution to 50-50. I have done this because what are considered MEN are actually Gravity and WOMEN are light.

    That means that if MEN can 'CENTRE' themselves and form the grid(because MEN are more spatially aware up to this point)...i.e STOP moving so fast...then WOMEN can do what they have been traditionally good at which is COMMUNICATION!!! This will lead to great advances in HUMAN TECHNOLOGY which I refer to as GRAINE0.

    Genetics
    Robotics
    Artificial Intelligence
    Nanotechnology
    zero point Energy
    (0)

    Gravity's constant = 0. MEN - Do not let your mind wander from this thought pattern.

    Light is infinite in all directions but it must slow down to zero too. This will have to be attained by co-operation but the more we do the easier it will become.

    All we have to do is follow the math: http://www.wix.com/Hyperstig/Hyperstig

    or more simply:

    http://www.wix.com/Hyperstig/Simple

    Follow Twitter.com/Hyperstigzero

    Time does NOT exist anymore.

    There are only 3 Dimensions; and this life we know most definitely was and is:

    'The Matrix'; 'Avatar' and 'Inception' combined.

    It is communications that will save us now. We must transmit this messages data throughout the 'galaxy' until every last 'human' becomes aware of what is going on.

    This is where the Cambrian explosion came from.

    This is what wiped out major past civilizations in a day.

    Our sectors gravity pulling us all into the big collapse.

    We cannot let that happen to us again!

    We are in for the big crunch!!! Yet again!!!

    Can we work together???

    That is what I truly do not know.

    I can imagine what you might be thinking.

    But remember the earth WAS flat at one time.

  • Europe has the Euro. Are you ready for The Amero?   15 years 52 weeks ago

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  • Best Money Tips: What You Need to Know About Social Security   15 years 52 weeks ago

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  • 5 Ways to Live Better Without Spending More   15 years 52 weeks ago

    Love the article on how to live better without spending more. I think making a budget deserves its own heading. Once you have a budget which is detailed and includes not just necessary expenses and discretionary expenses, but also funding various savings accounts, investment accounts, other goal accounts, THEN you can start cutting and determine what is really important and what you can do without. Now you can PRIORITIZE needs and wants.

    I use the don't buy stuff you really don't need, cook your own food, don't borrow, and buy to save methods. Of course, it all starts with a budget.

  • Financial IQ Test: Do You Have the Best Auto Insurance Coverage for Your Needs?   15 years 52 weeks ago

    Nice Quiz Nora! I stand somewhere in the 80s range so that means I know quite a bit and need to know more I guess . But I did know and got my son a student discount and myself a defensive driver’s certification discount from our auto insurance company, The Hartford. I’m going to recheck my policy with a magnifying lens to see if I can snatch some more discounts from them. Thanks for the information and keep up the good work!

  • 4 Tips to Save on Car Insurance   15 years 52 weeks ago

    his is a wonderful opinion. The things mentioned are unanimous and needs to be appreciated by everyone.
    Home Insurance
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  • Feeling Stuck? 100 Ways to Change Your Life   15 years 52 weeks ago

    how do u know when your not alone?..How can you be sure there are others out there that are going through the same problems. How does that help you any to know that?? I don't understand

  • Feeling Stuck? 100 Ways to Change Your Life   15 years 52 weeks ago

    thankyou, I will try this. a.MmAAAzing like a sunrise and a long talk with a golden - hearted stranger

  • Volunteer to Travel: 11 Opportunities for Free or Very Cheap Travel   15 years 52 weeks ago

    Some people may find the holidays stressful because they may have family problems, but I love them. I always get along with both sides.

  • Great idea for Papa Murphy’s – make the pizzas in order.   15 years 52 weeks ago

    I cannot believe how MENTALLY RETARDED you and your fellow papa murphy's haters are. I guess you like Papa Johns and Pizza Hut and frozen pizza better because you live in trailer parks and are unemployed and live of EBT. Maybe if everyone on here didn't drop out of high school at the age of 16, you would all UNDERSTAND the concept and realize that it IS fresh pizza. Maybe if you had not been dumpster diving for every meal, you would realize that Papa Murphy's tastes better than the left over chicken from the bottom of the dumpster you've been subsisting off of. (look up subsisting in a dictionary- it's a big book with words and their meanings.) I'm assuming that you're jealous that you are not intelligent enough to think up a concept such as take-n-bake pizza. But, you are from a trailer park so no one expects you to be intelligent, much less successful. I find it VERY hard to believe you waited 80 minutes for a pizza. Do you even know what a clock is?

    Oh wait- you must work for Pizza hut! That's why you have such insolent claims (again, look up insolent in the dictionary. Remember what a dictionary is?)

  • Great idea for Papa Murphy’s – make the pizzas in order.   15 years 52 weeks ago

    oh shut up. papa murphy's costs LESS than pizza hut. and is MUCH better than that fake crap. shut your face and stop complaining. you're not important.

  • Homemade Peanut Butter: Recipe and Cost Comparison   16 years 1 hour ago

    I used to make peanut butter for years as where I lived, the commercial ones were pathetic.
    To overcome the separation of oil/pb, we used to store the jar upside down, or keep rotating now and again. Not really as painful as it sounds and it keeps much better and our homemade PB never really stood around that long anyhow.
    And we roasted with the skin, blew it off and then ground it. Slightly more tedius but cheaper and fresher.

  • Is MagicJack a Scam?   16 years 1 hour ago

    we got our first magic jack more than a yr ago; renewed it when contract expired, and are still using it today. ($20 for unit, $20 for a yr's service.)

    the times it worked (99%) far outweigh those few times the line was choppy and i would attribute that to the dsl quality at the time.

    yes definitely it depends on your internet connection, and of course, its pretty logical that wired connection is best whether broadband (rather than wifi) or phone (rather than cordless).

    our family has been buying it -- my three siblings have it too, and we call with it regularly; with my sister, at least 2x daily.

    our aunts, uncles and even in-laws have bought it too. definitely works.

  • How Not to Buy Too Much   16 years 3 hours ago

    @Cidre: No shame in retail. I was merely trying to put things in perspective. If you're working for $8 an hour, "little" treats cost a big chunk of your salary.

  • 5 Ways to Live Better Without Spending More   16 years 3 hours ago

    A useful tactic. I've got a post about envelope budgeting:

    http://www.wisebread.com/your-budget-envelopes-or-a-plan