Looking for free wifi in public area is not secure. Be careful when you are connected to public area. Avoid to use free internet connection in public area to do electronic transaction, such bank payment, etc.
Or you could fly Southwest where you first 2 checked bags are still FREE!
Seriously though, I agree, if you are going to use a carry on....follow the guides. So many flights are delayed because they are playing the suitcase shuffle by people putting purses and backpacks in overhead instead of under the seat in front of them and putting the bags in the overhead compartment the wrong way. If you listen when you board, they will tell you the optimal way to save space.
It just makes me so mad that they charge for bags - I would rather just include the price in the ticket so there are not any surprise monetary additions when I arrive at the airport. Not to mention that now Spirit airlines wants to charge for carryons. Perhaps I will just start buying all my vacation clothes at a thrift store when I arrive or just layer 8 outfits on top of each other before I get to the airport.
Maybe if the airlines started to provide the amazing service of years ago people wouldn't mind the extra charges - but everything these days has a fee. Customer service is out the window.
The 18-year-old in your example has a free choice, but not a very well informed one. A 13-year-old has the mental capability to be informed and make logical well-reasoned choices. I think the gap is evident in the training that most kids receive growing up. I was raised with some poor habits and I suffered for them. That is the human condition. However, breaking this cycle is possible. My children will have much better training (in this area), and if I have done my job correctly as a parent, they will build upon that and provide their children even better foundations.
To the point of status symbols: College and home-ownership used to be for the wealthy or those who worked hard ans carefully. They were the things to shoot for. They are the signs that you have "arrived". The only change that has occurred is the ability to take on debt to do those things. Or rather, the ease with which we can dig such deep holes.
Is college necessary? As a college-educated IT professional, I can say that 90% of the jobs around me could be performed without higher education. It may just be my opinion, but it seems that most of the best training happens on the job. Remember, college is a product that is sold and marketed like anything else.
I am typically very pleased by the information presented on your blog, but the wage slave idea disturbs me a little. Work is necessary for life. Someone must grow the food, program the computer, make the clothing, etc. Work will always be somewhat undesirable, difficult, or just plain crappy at times. I agree that debt traps people into a more desperate mind-set and may cause us/them to take a job they wouldn't otherwise.
But. It's not capitalists that force this upon us; we do this to ourselves. Yes, it is through choices that we are pushed towards -- bad choices, short-sighted choices. Ultimately, we make those choices. The sales machine doesn't care if we are stuck in debt; it (the aggregate of many people and processes, not some sentient process) doesn't try to enslave us to keep a captive workforce. It wants to sell more and reduce costs. If society collectively decides that homeownership is worth ridiculous amounts of debt, then it will continue. We can't legislate it away. We have to stop buying into that idea.
I think that is one of the valuable things about your site. You are informing people on how to make better decisions. These decisions do keep people out of debt and out of the self-induced downward spiral into hand-to-mouth living. I also think that the blame lies, not only on society for perpetuating these ideals, but also on the individual for blindly following along. If enough individuals change, the society follows and reinforces those changes.
For the record, I mailed in my paper return around April 2 and had the funds deposited into my account on Friday of last week. That's less than a month to process a paper return and get the money into my account.
I've heard of other people having to wait a long time for this, but I'm not one of them.
Hmmm . . . I'll give you a "sort of" on that one. First, getting the FDIC to make a call for negligence has a reputation for being pretty difficult. Generally, when they have made that call, there has been some sort of malicious intent involved (though I define that relatively broadly). We'll see how it goes with the banks that have failed more recently--maybe the epidemic of bank failures will cause some changes in the process.
Secondly, their personal wealth isn't necessarily on the line even if the FDIC does make the "negligence" call. That involves some fairly convoluted procedures--it may or may not happen.
The bottom line is that average people, as a collective, face the burden even if the FDIC does, eventually, make this call and hold the bankers responsible. They're the ones who lose more and that loss is sustained whether or not the bankers are someday held responsible.
Pretty good list. Especially #4 and #5. Most people in the affluent countries, eat far too much cooked, processed, devitalized, and chemically laden food. Their bodies are starved for nutrition including trace minerals. Their brain senses this lack of nutrition as a signal that more nutrition is needed. People interpret this as hunger and eat more of the same garbage to satisfy their false appetite. It is a viscious circle, and eventually significant weight is gained, and disease symptoms begin due to the lack of nutrition, and the toxic load the body must try to deal with. A plant based diet is best for our own health and that of the planet. But, just eating less, of whatever diet you consume, is a step in the right direction.
Don't get your hopes up with this free money. I know someone who is still waiting on their check and it's very overdue. Not only have they not recieved their "free money", but IRS is also holding their income tax check as well. I could understand it if they owed back taxes but that's not the case.
I'm not impressed with the $8000 first time home owner plan. My son who quilified for the $8000 sent his income tax off in early February. To date, April 27 he has not recieved a dime!!! Not even the income tax he would have gotten back without the $8000 incentive. IRS is holding everything up. He owes no back taxes anywhere, but because he has this $8000 coming back to him, they're sitting on every dime owed him. First he was told he would recieve his check by April 13. April 12 he gets a letter from IRS requesting more information. Now they're saying he should get his check back by June 1st. I'm not impressed with A THING OBAMA HAS DONE!!!! I don't know why IRS can't at the very least send him the income tax money owed him while the nitwits iron out whatever details they need to with the $8000 first time home owner incentive. Quite frankly, I think we have a bunch of chickens with their heads cut off workint the system. I won't be putting myself out there for ANY Obama incentives. I don't trust the man.
When a bank fails, the FDIC performs an in-depth audit to discover the cause of the failure, then directors and officers responsible. The people who run the banks already have their personal wealth on the line.
I bought a new shower curtain at Target thinking I could pick up the matching towels later, but they discontinued the line almost immediately thereafter. By the time I looked for the towels, they were all gone. I was thrilled to find one on e-Bay. When it arrived, it still had the Target clearance tag on it ($1.99 - I could have filled the bathroom with them if I had known in time!). I'm glad *somebody* was buying low & reselling ...
The vanilla flavour comes from the oak itself. No need to add it. You may want to change the temp on the bottle daily. It speads up the flavour diffusion. In the oak barrels, as it heats and cools day and night, the expansion and contraction soaks up and releases alcohol in the wood. Every time it goes in and out, it carries the flavours and colours with it.
I have to say, you have a great batch started. Depending on the amount of wood, size of shavings and the temps you keep it at, you could have a 10 year old in a month or 2.
Pulled out a brandy sniffer and a batch of whiskey for a christening. Did the typical, drop of water, covered the glass, the whole deal. Passed some around to the whiskey drinkers. First sip, VANILLA, 2nd sip, orange. Ended kind of sweat, but that can be good too. Got some more people interested in the hobby :)
Such practices makes no benefit to companies. it is not that they do not know. they know it delebrately. because just want some customer to fool, so that they can money. such firms end up being scam.
The no tv is a big one. I estimate that I've regained about 10 hours a week by cutting out the evening shows and sports I used to watch. I also find that I have a better relationship with my wife as a result because we talk more, but when she goes to bed, I go to work. Burning the midnoght oil gets it done for me.
It's not unreasonable to think that being laid off, or even straight out fired, would be a preferable alternative to quitting in some instances. Take me, for example. I got hired at a company straight out of school that had me sign a 2-year contract guaranteeing my employment for two years. If I break the contract by quitting prior to my 2-year anniversary, I have to pay the company a "training fee" of $7,500 (they say it's to recoup their "investment" in training me.) At this point I'm a little under a year in, and I really hate my job. It's a struggle for me to go into work every morning, and while when I signed the contract I was quite excited about the position and the company, I became very quickly disenchanted when I realize just how little they care about me.
So my dilemma then becomes, do I quit and leave the company on my own terms, $7,500 poorer? Or do I somehow try to get fired, risk taking the potential "black mark" and leave with what little money I've made still in my bank account?
I think everyone should give this a shot. It's a lot easier for me to find things that I don't like by trying new things all the time. I have a blast and I know I might not like it, so I don't put lots of money into it to start with, enough to give me the chance to figure out if it's something I like, or if it sparks a new interest in that same field. The best advice I can give is kinda like the Nike slogan. Just do it. Just get out there and give it a shot.
Looking for free wifi in public area is not secure. Be careful when you are connected to public area. Avoid to use free internet connection in public area to do electronic transaction, such bank payment, etc.
Or you could fly Southwest where you first 2 checked bags are still FREE!
Seriously though, I agree, if you are going to use a carry on....follow the guides. So many flights are delayed because they are playing the suitcase shuffle by people putting purses and backpacks in overhead instead of under the seat in front of them and putting the bags in the overhead compartment the wrong way. If you listen when you board, they will tell you the optimal way to save space.
It just makes me so mad that they charge for bags - I would rather just include the price in the ticket so there are not any surprise monetary additions when I arrive at the airport. Not to mention that now Spirit airlines wants to charge for carryons. Perhaps I will just start buying all my vacation clothes at a thrift store when I arrive or just layer 8 outfits on top of each other before I get to the airport.
Maybe if the airlines started to provide the amazing service of years ago people wouldn't mind the extra charges - but everything these days has a fee. Customer service is out the window.
One other thing: feel free to debate the merits of whether or not the credit was good idea or not.
@Phillip
The 18-year-old in your example has a free choice, but not a very well informed one. A 13-year-old has the mental capability to be informed and make logical well-reasoned choices. I think the gap is evident in the training that most kids receive growing up. I was raised with some poor habits and I suffered for them. That is the human condition. However, breaking this cycle is possible. My children will have much better training (in this area), and if I have done my job correctly as a parent, they will build upon that and provide their children even better foundations.
To the point of status symbols: College and home-ownership used to be for the wealthy or those who worked hard ans carefully. They were the things to shoot for. They are the signs that you have "arrived". The only change that has occurred is the ability to take on debt to do those things. Or rather, the ease with which we can dig such deep holes.
Is college necessary? As a college-educated IT professional, I can say that 90% of the jobs around me could be performed without higher education. It may just be my opinion, but it seems that most of the best training happens on the job. Remember, college is a product that is sold and marketed like anything else.
I am typically very pleased by the information presented on your blog, but the wage slave idea disturbs me a little. Work is necessary for life. Someone must grow the food, program the computer, make the clothing, etc. Work will always be somewhat undesirable, difficult, or just plain crappy at times. I agree that debt traps people into a more desperate mind-set and may cause us/them to take a job they wouldn't otherwise.
But. It's not capitalists that force this upon us; we do this to ourselves. Yes, it is through choices that we are pushed towards -- bad choices, short-sighted choices. Ultimately, we make those choices. The sales machine doesn't care if we are stuck in debt; it (the aggregate of many people and processes, not some sentient process) doesn't try to enslave us to keep a captive workforce. It wants to sell more and reduce costs. If society collectively decides that homeownership is worth ridiculous amounts of debt, then it will continue. We can't legislate it away. We have to stop buying into that idea.
I think that is one of the valuable things about your site. You are informing people on how to make better decisions. These decisions do keep people out of debt and out of the self-induced downward spiral into hand-to-mouth living. I also think that the blame lies, not only on society for perpetuating these ideals, but also on the individual for blindly following along. If enough individuals change, the society follows and reinforces those changes.
For the record, I mailed in my paper return around April 2 and had the funds deposited into my account on Friday of last week. That's less than a month to process a paper return and get the money into my account.
I've heard of other people having to wait a long time for this, but I'm not one of them.
Hmmm . . . I'll give you a "sort of" on that one. First, getting the FDIC to make a call for negligence has a reputation for being pretty difficult. Generally, when they have made that call, there has been some sort of malicious intent involved (though I define that relatively broadly). We'll see how it goes with the banks that have failed more recently--maybe the epidemic of bank failures will cause some changes in the process.
Secondly, their personal wealth isn't necessarily on the line even if the FDIC does make the "negligence" call. That involves some fairly convoluted procedures--it may or may not happen.
The bottom line is that average people, as a collective, face the burden even if the FDIC does, eventually, make this call and hold the bankers responsible. They're the ones who lose more and that loss is sustained whether or not the bankers are someday held responsible.
Pretty good list. Especially #4 and #5. Most people in the affluent countries, eat far too much cooked, processed, devitalized, and chemically laden food. Their bodies are starved for nutrition including trace minerals. Their brain senses this lack of nutrition as a signal that more nutrition is needed. People interpret this as hunger and eat more of the same garbage to satisfy their false appetite. It is a viscious circle, and eventually significant weight is gained, and disease symptoms begin due to the lack of nutrition, and the toxic load the body must try to deal with. A plant based diet is best for our own health and that of the planet. But, just eating less, of whatever diet you consume, is a step in the right direction.
How long did it take you to get this free money.
Don't get your hopes up with this free money. I know someone who is still waiting on their check and it's very overdue. Not only have they not recieved their "free money", but IRS is also holding their income tax check as well. I could understand it if they owed back taxes but that's not the case.
I'm not impressed with the $8000 first time home owner plan. My son who quilified for the $8000 sent his income tax off in early February. To date, April 27 he has not recieved a dime!!! Not even the income tax he would have gotten back without the $8000 incentive. IRS is holding everything up. He owes no back taxes anywhere, but because he has this $8000 coming back to him, they're sitting on every dime owed him. First he was told he would recieve his check by April 13. April 12 he gets a letter from IRS requesting more information. Now they're saying he should get his check back by June 1st. I'm not impressed with A THING OBAMA HAS DONE!!!! I don't know why IRS can't at the very least send him the income tax money owed him while the nitwits iron out whatever details they need to with the $8000 first time home owner incentive. Quite frankly, I think we have a bunch of chickens with their heads cut off workint the system. I won't be putting myself out there for ANY Obama incentives. I don't trust the man.
errr....The FDIC sues the directors and officers responsible, if they find evidence of negligence or recklessness.
When a bank fails, the FDIC performs an in-depth audit to discover the cause of the failure, then directors and officers responsible. The people who run the banks already have their personal wealth on the line.
I bought a new shower curtain at Target thinking I could pick up the matching towels later, but they discontinued the line almost immediately thereafter. By the time I looked for the towels, they were all gone. I was thrilled to find one on e-Bay. When it arrived, it still had the Target clearance tag on it ($1.99 - I could have filled the bathroom with them if I had known in time!). I'm glad *somebody* was buying low & reselling ...
Willie Boy
The vanilla flavour comes from the oak itself. No need to add it. You may want to change the temp on the bottle daily. It speads up the flavour diffusion. In the oak barrels, as it heats and cools day and night, the expansion and contraction soaks up and releases alcohol in the wood. Every time it goes in and out, it carries the flavours and colours with it.
I have to say, you have a great batch started. Depending on the amount of wood, size of shavings and the temps you keep it at, you could have a 10 year old in a month or 2.
Pulled out a brandy sniffer and a batch of whiskey for a christening. Did the typical, drop of water, covered the glass, the whole deal. Passed some around to the whiskey drinkers. First sip, VANILLA, 2nd sip, orange. Ended kind of sweat, but that can be good too. Got some more people interested in the hobby :)
Next step, help build them a still.
Fiona! It has to be you?! Short and seriously verbose.
I'm on facebook. Find Me!!
Nicole Rose (Fuhrmeister)
Such practices makes no benefit to companies. it is not that they do not know. they know it delebrately. because just want some customer to fool, so that they can money. such firms end up being scam.
Nice article. Very useful and informative. my sister is a painter. However, she's 16 but this is really a great article to help her.
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it's not working on me:(
My girlfriend got one of these cards today. Im so glad I checked on it.
Hey,
The no tv is a big one. I estimate that I've regained about 10 hours a week by cutting out the evening shows and sports I used to watch. I also find that I have a better relationship with my wife as a result because we talk more, but when she goes to bed, I go to work. Burning the midnoght oil gets it done for me.
Cheers
Hi Linsey - Thanks for including the post. Hope all is well. It's been a while since we caught up!
Best,
Sam
It's not unreasonable to think that being laid off, or even straight out fired, would be a preferable alternative to quitting in some instances. Take me, for example. I got hired at a company straight out of school that had me sign a 2-year contract guaranteeing my employment for two years. If I break the contract by quitting prior to my 2-year anniversary, I have to pay the company a "training fee" of $7,500 (they say it's to recoup their "investment" in training me.) At this point I'm a little under a year in, and I really hate my job. It's a struggle for me to go into work every morning, and while when I signed the contract I was quite excited about the position and the company, I became very quickly disenchanted when I realize just how little they care about me.
So my dilemma then becomes, do I quit and leave the company on my own terms, $7,500 poorer? Or do I somehow try to get fired, risk taking the potential "black mark" and leave with what little money I've made still in my bank account?
I think everyone should give this a shot. It's a lot easier for me to find things that I don't like by trying new things all the time. I have a blast and I know I might not like it, so I don't put lots of money into it to start with, enough to give me the chance to figure out if it's something I like, or if it sparks a new interest in that same field. The best advice I can give is kinda like the Nike slogan. Just do it. Just get out there and give it a shot.