Hopefully, everybody else is off fermenting something. (Speaking of which, I've got some bread that's ready to come out of the oven. Is yeast great or what?)
One note on the brick in the toilet tank - instead, try a few water bottles or a milk jug filled with water. Over time, the clay from a brick will start to leave deposits in the workings of your toilet and plumbing system, making repairs or replacement necessary. If you use a bottle, you don't have that problem, and you're reusing plastic bottles.
Also, I'd suggest getting reusable mugs, water bottles, plates, bowls or silverware for everyone. They could even be personalized with people's names so they're responsible for cleaning theirs - and everyone knows if they're not doing it. Similar to the pen thing.
I've actually written an article about hawala (and other payment mechanisms that share some of its traits). It's an effective way to discreetly move money, but it's not a complete solution to laundering illicit income, because you still have to do something with the money once you've moved it.
something that i really thank God for is that i have no credit card debt and I am free from this nagging problem that can cause so much headache and sleeplessness. But prosaically speaking these are very good points that those with money issues should really control.
I suspect that a saturated fat is necessary to get the texture right, and since it's an Oreo substitute, it had better be sweet or the kids won't eat it. The point being that you can't just drop the ingredients in question, you need to substitute something that serves the same function.
For the fat, I suppose that doubling up on the butter might work, but it also wouldn't surprise me if it's already been tested and found wanting. Coconut oil might be a workable alternative.
As for the sugar, well, personally I'd use Splenda and/or asesulfame potassium, but someone who's trying to avoid artificial sweeteners is going to have a tougher time. I suppose stevia's a possibility, and I've seen xylitol and maltitol in a local health food store, but I'm not sure of the proportions for substitution.
I really liked this post. Basically, guerrilla retirement = frugal living. I like this take on frugality... People often think of living frugally as some sort of deprevation. When you think of frugality in the context of a comfortable (and maybe even early) retirement, it's much easier to stomach.
It is common to eat weeds where I am, as an example.. I know this beautiful salad of dandelion flowers, wood sorrel, viola flowers and lambsquarters with a nice lemon and olive oil dressing, simple and really really tasty and nutritious.
I just bought a bottle of witch hazel. I have a problem with sweating a lot...especially on my face....and I live in Florida so the high temps and humidity don't help. I read that applying witch hazel at night can lessen sweating the next day. Don't know if it will work but it's worth a try. I remember my mother always having a bottle in our refrigerator. As a kid I never gave it a second thought except that it had a strange name...lol.. I wonder if that is part of the reason she is 82 and people think she in her 60s. Everyone comments on her great skin. Soooooo...if it doesn't help with sweating at least it'll be good for my skin.........but........it would be so wonderful if it helped with the sweating....make up is a joke in the summer...runs right off my face...I need something to keep it under control. Anyone have any other ideas?
You provide valid arguments for a "buy and hold" attitude. If you have environmental as well as financial reasons for this approach, you might want to consider yourself a "manufacturer of quality second hand vehicles"- cars that have been well maintained, that don't have hidden wear and tear that will cause grief to the (probably) low income people you eventually sell to, cars that deserve to exist due to their long life, low fuel consumption etc. Your final sentences suggest you are doing just that.
I'll admit I was skeptical... this just seemed so easy to make. I have a nasty cold and when I woke up today (at 3am... ugh!) all I wanted was some toast. So I made this bread. It is delicious! Thank you so much for posting a tasty, inexpensive, and easy bread recipe for those who can't eat gluten!
hello I am trying to find out how old my tires are, i thought i got a deal but I am not sure if I was hussled. hey are Antyre hs 233, dot oj25kw1. Can anyone help please.
You are correct. One of the biggest components of your credit score is the amount of available revolving credit. If you always keep your limit near your balance, your credit score goes down. It's actually better to have a ton of credit available than none at all. If you have issues with spending, then maybe you'd be better off with this strategy but reduce the limit until it gets to zero and go without a credit card!
In 2004, I bought a brand new Pontiac Sunfire, which got 26/36 listed MPG (later downgraded to "30 MPG average" by the EPA, which was about right), for around $12000. Financing increased that by nearly 50%.
A year after I finally paid off the vehicle,145,000 miles, and nearly $4000 in repairs later (two new clutches, a brake overhaul, and a rebuilt transmission), I was hit by another driver this past February, and my car was written off as a "total" (the frame, along with the entire front end, was pushed over by about an inch).
My new daily driver is a 1966 Volkswagen Beetle I picked up on the cheap (actually, I traded a '71 Ford LTD Convertible for it, but the previous owner wanted around $2500 for it), and I couldn't be happier. I don't drive the same amount I used to, thus the 15K miles/year the Bug will be handling won't be a problem. Routine maintenance on the Bug might be more frequent (oil changes and valve adjustments every 1500 miles) than the Sunfire, but cost significantly less, and larger repair jobs are much more straightforward to complete, and cheaper to boot.
I forgot to add that it's important to try to make many things for yourself. I bake my bread to save money grocery shopping, and so that I can have bread crumbs. I buy my chicken with the bone in so I can have chicken stock to flavor other meals. I turn my stale rice into fried rice. And so on. The fact that I can get so many meals out of just a few things I prepared on my own is my favorite part of cooking.
Research and planning are the most important parts of eating healthy with a budget in mind.
Eating on a budget relies heavily on the obvious tactics of cutting down on junk food and dinner outings. I saved the most money when I didn't drink any soda at all.
For items I use often, I try to buy in bulk. Rice, chicken, onion, garlic, and other bulk vegetables are convenient to process right away and grab handfuls out of the freezer later on. I learned that I could freeze onion and garlic from online communities, so don't be afraid to use the Internet to get advice form like-minded people.
I check the grocery store ads every week for items that are on sale. Mostly I keep an eye out for produce that doesn't freeze well, and staples for my pantry. I go to the store with a list and just enough money to pay for those items, and that helps me avoid adding anything else to my basket.
I set aside time on my days off to cook only enough food to last me the week, because if I let it sit longer I convince myself that it's all rotten and end up wasting food. I only have enough room in my freezer for ingredients.
Like others have said, cutting down on meat consumption can be a cheaper and healthier way to plan meals. Some of my favorite homemade meals were ones where I had to get creative because I had to avoid using meat.
I agree about the benefits of listening to good audio while in your car, and have been doing it for a couple of years now. Zig Ziglar calls this automobile university. He noted a USC study in which 12,000 miles of metropolitan area driving a year for three years afforded enough time to learn the equivalent of two years of college education!
Don't throw away the budget just because you pay off your debts. Keep the budget, but build in a little more breathing room. If you pay off the mortgage, you free up several hundred dollars per month. Use most of that for retirement, reserve a little for yourself.
And as far as retirement is concerned, think of it as long-term debt(to yourself). You can't pay it off until you retire from a working income.
It's actually less expensive to eat healthily than not... a shopping basket filled to the brim with fresh fruits and vegetables costs considerably less than one filled with ready-made meals, processed foods, etc.!
Like many others, we...
1) cook from scratch as much as possible, freezing leftovers if we'd cooked a big batch of food. This includes baking our own breads and making our own sauces most of the time.
2) buying frozen and dried goods in bulk. we buy canned goods too, but they're generally not as healthy.
3) avoid wasting food -- we cook as much as we can eat, freezing leftovers. We buy fresh produce once or twice a week, and finish them before they go bad.
4) we compost our food wastes and use it towards our small vegetable garden.
5) we mostly buy whatever's on sale
6) limit meat products... this one's also tough for us because my husband loves his meats :-)
I read and reviewed this book as well, and loved it! The 4% withdrawal rate really stood out to me. If your portolio returns an average of 8%, it should be able to withstand inflation, taxes, and your withdrawal while keeping your portfolio's value intact.
And like you said, the 95% rule helps ensure that your standard of living doesn't diminish too dramatically if the market is having a bad year. If you're still working a little bit, making up part of the 5% difference shouldn't be too difficult.
I had an interesting experience recently when I traveled back home to the US from Canada. I checked in, and took my carry-on through toward customs/security. There, I was sent back to check my bag, because apparently it was too big. So, I backtracked to the counter, and checked the bag. I asked what the fee was, and they said that there was no fee. I subsequently found out that if I had checked the bag when initially checking in, I would have had to pay a fee - $29, I believe. However, since I tried to carry it on and was sent back, there was no charge.
Interesting loophole, it would appear. I DID NOT personally try to take advantage of this, as I didn't know about it. Had I known, I still would have checked it in (as a rule follower). That said, I'm curious what others would do if they had this knowledge ahead of time - which I didn't in this case.
this is so Inspiring teens can do it now a days
http://Lyfe.Lyf.com
http://Facebook.com/Lyf.Lyf
http://Lyfbrands.devhub.com
http://twitter.com/lyf_brands
Well, at least we're still here.
Hopefully, everybody else is off fermenting something. (Speaking of which, I've got some bread that's ready to come out of the oven. Is yeast great or what?)
Shhhhh
Philip, I have not seen it this quiet here, ever!! Did the Federales talk to the web masters or something?
One note on the brick in the toilet tank - instead, try a few water bottles or a milk jug filled with water. Over time, the clay from a brick will start to leave deposits in the workings of your toilet and plumbing system, making repairs or replacement necessary. If you use a bottle, you don't have that problem, and you're reusing plastic bottles.
Also, I'd suggest getting reusable mugs, water bottles, plates, bowls or silverware for everyone. They could even be personalized with people's names so they're responsible for cleaning theirs - and everyone knows if they're not doing it. Similar to the pen thing.
I've actually written an article about hawala (and other payment mechanisms that share some of its traits). It's an effective way to discreetly move money, but it's not a complete solution to laundering illicit income, because you still have to do something with the money once you've moved it.
IT DOES MAKE YOU TAN QUICKER!!!!! WORKS GREAT AND LEAVES YOUR SKIN SILKY,,DEAL WITH THE STICKINESS @ FIRST BECAUSE THE RESULTS ARE AMAZING
something that i really thank God for is that i have no credit card debt and I am free from this nagging problem that can cause so much headache and sleeplessness. But prosaically speaking these are very good points that those with money issues should really control.
I suspect that a saturated fat is necessary to get the texture right, and since it's an Oreo substitute, it had better be sweet or the kids won't eat it. The point being that you can't just drop the ingredients in question, you need to substitute something that serves the same function.
For the fat, I suppose that doubling up on the butter might work, but it also wouldn't surprise me if it's already been tested and found wanting. Coconut oil might be a workable alternative.
As for the sugar, well, personally I'd use Splenda and/or asesulfame potassium, but someone who's trying to avoid artificial sweeteners is going to have a tougher time. I suppose stevia's a possibility, and I've seen xylitol and maltitol in a local health food store, but I'm not sure of the proportions for substitution.
I really liked this post. Basically, guerrilla retirement = frugal living. I like this take on frugality... People often think of living frugally as some sort of deprevation. When you think of frugality in the context of a comfortable (and maybe even early) retirement, it's much easier to stomach.
http://hotfrugal.wordpress.com
It is common to eat weeds where I am, as an example.. I know this beautiful salad of dandelion flowers, wood sorrel, viola flowers and lambsquarters with a nice lemon and olive oil dressing, simple and really really tasty and nutritious.
I just bought a bottle of witch hazel. I have a problem with sweating a lot...especially on my face....and I live in Florida so the high temps and humidity don't help. I read that applying witch hazel at night can lessen sweating the next day. Don't know if it will work but it's worth a try. I remember my mother always having a bottle in our refrigerator. As a kid I never gave it a second thought except that it had a strange name...lol.. I wonder if that is part of the reason she is 82 and people think she in her 60s. Everyone comments on her great skin. Soooooo...if it doesn't help with sweating at least it'll be good for my skin.........but........it would be so wonderful if it helped with the sweating....make up is a joke in the summer...runs right off my face...I need something to keep it under control. Anyone have any other ideas?
You provide valid arguments for a "buy and hold" attitude. If you have environmental as well as financial reasons for this approach, you might want to consider yourself a "manufacturer of quality second hand vehicles"- cars that have been well maintained, that don't have hidden wear and tear that will cause grief to the (probably) low income people you eventually sell to, cars that deserve to exist due to their long life, low fuel consumption etc. Your final sentences suggest you are doing just that.
I'll admit I was skeptical... this just seemed so easy to make. I have a nasty cold and when I woke up today (at 3am... ugh!) all I wanted was some toast. So I made this bread. It is delicious! Thank you so much for posting a tasty, inexpensive, and easy bread recipe for those who can't eat gluten!
hello I am trying to find out how old my tires are, i thought i got a deal but I am not sure if I was hussled. hey are Antyre hs 233, dot oj25kw1. Can anyone help please.
You are correct. One of the biggest components of your credit score is the amount of available revolving credit. If you always keep your limit near your balance, your credit score goes down. It's actually better to have a ton of credit available than none at all. If you have issues with spending, then maybe you'd be better off with this strategy but reduce the limit until it gets to zero and go without a credit card!
In 2004, I bought a brand new Pontiac Sunfire, which got 26/36 listed MPG (later downgraded to "30 MPG average" by the EPA, which was about right), for around $12000. Financing increased that by nearly 50%.
A year after I finally paid off the vehicle,145,000 miles, and nearly $4000 in repairs later (two new clutches, a brake overhaul, and a rebuilt transmission), I was hit by another driver this past February, and my car was written off as a "total" (the frame, along with the entire front end, was pushed over by about an inch).
My new daily driver is a 1966 Volkswagen Beetle I picked up on the cheap (actually, I traded a '71 Ford LTD Convertible for it, but the previous owner wanted around $2500 for it), and I couldn't be happier. I don't drive the same amount I used to, thus the 15K miles/year the Bug will be handling won't be a problem. Routine maintenance on the Bug might be more frequent (oil changes and valve adjustments every 1500 miles) than the Sunfire, but cost significantly less, and larger repair jobs are much more straightforward to complete, and cheaper to boot.
I forgot to add that it's important to try to make many things for yourself. I bake my bread to save money grocery shopping, and so that I can have bread crumbs. I buy my chicken with the bone in so I can have chicken stock to flavor other meals. I turn my stale rice into fried rice. And so on. The fact that I can get so many meals out of just a few things I prepared on my own is my favorite part of cooking.
Research and planning are the most important parts of eating healthy with a budget in mind.
Eating on a budget relies heavily on the obvious tactics of cutting down on junk food and dinner outings. I saved the most money when I didn't drink any soda at all.
For items I use often, I try to buy in bulk. Rice, chicken, onion, garlic, and other bulk vegetables are convenient to process right away and grab handfuls out of the freezer later on. I learned that I could freeze onion and garlic from online communities, so don't be afraid to use the Internet to get advice form like-minded people.
I check the grocery store ads every week for items that are on sale. Mostly I keep an eye out for produce that doesn't freeze well, and staples for my pantry. I go to the store with a list and just enough money to pay for those items, and that helps me avoid adding anything else to my basket.
I set aside time on my days off to cook only enough food to last me the week, because if I let it sit longer I convince myself that it's all rotten and end up wasting food. I only have enough room in my freezer for ingredients.
Like others have said, cutting down on meat consumption can be a cheaper and healthier way to plan meals. Some of my favorite homemade meals were ones where I had to get creative because I had to avoid using meat.
I agree about the benefits of listening to good audio while in your car, and have been doing it for a couple of years now. Zig Ziglar calls this automobile university. He noted a USC study in which 12,000 miles of metropolitan area driving a year for three years afforded enough time to learn the equivalent of two years of college education!
Don't throw away the budget just because you pay off your debts. Keep the budget, but build in a little more breathing room. If you pay off the mortgage, you free up several hundred dollars per month. Use most of that for retirement, reserve a little for yourself.
And as far as retirement is concerned, think of it as long-term debt(to yourself). You can't pay it off until you retire from a working income.
It's actually less expensive to eat healthily than not... a shopping basket filled to the brim with fresh fruits and vegetables costs considerably less than one filled with ready-made meals, processed foods, etc.!
Like many others, we...
1) cook from scratch as much as possible, freezing leftovers if we'd cooked a big batch of food. This includes baking our own breads and making our own sauces most of the time.
2) buying frozen and dried goods in bulk. we buy canned goods too, but they're generally not as healthy.
3) avoid wasting food -- we cook as much as we can eat, freezing leftovers. We buy fresh produce once or twice a week, and finish them before they go bad.
4) we compost our food wastes and use it towards our small vegetable garden.
5) we mostly buy whatever's on sale
6) limit meat products... this one's also tough for us because my husband loves his meats :-)
stupid shyt moda fukers
stupid shyt moda fukers
I read and reviewed this book as well, and loved it! The 4% withdrawal rate really stood out to me. If your portolio returns an average of 8%, it should be able to withstand inflation, taxes, and your withdrawal while keeping your portfolio's value intact.
And like you said, the 95% rule helps ensure that your standard of living doesn't diminish too dramatically if the market is having a bad year. If you're still working a little bit, making up part of the 5% difference shouldn't be too difficult.
I had an interesting experience recently when I traveled back home to the US from Canada. I checked in, and took my carry-on through toward customs/security. There, I was sent back to check my bag, because apparently it was too big. So, I backtracked to the counter, and checked the bag. I asked what the fee was, and they said that there was no fee. I subsequently found out that if I had checked the bag when initially checking in, I would have had to pay a fee - $29, I believe. However, since I tried to carry it on and was sent back, there was no charge.
Interesting loophole, it would appear. I DID NOT personally try to take advantage of this, as I didn't know about it. Had I known, I still would have checked it in (as a rule follower). That said, I'm curious what others would do if they had this knowledge ahead of time - which I didn't in this case.