These figures are interesting and telecommuting certainly offers many benefits to many people. But what the figures presented here don't take into account is whether every worker can work at the same level of productivity at home as they can at work.
I telecommute on occasion - bad weather, waiting for repair person/delivery, etc. And I know that I am not nearly as productive at home as I am at work. Part of that is that a majority of my work is done over a network and requires large amounts of computing power. My home interent connection and company issued laptop just isn't fast or powerful enough to keep up. Even remoting into my desk top machine doesn't alleviate all of the problems. So, a better home office set-up would be required...at least for me. Additionally, many of my projects are collaborative and/or I need help from our "tool elves" who build and maintain our software tools. At work, our main elf sits is my cubemate. So getting help is as easy as tossing a little ball of paper in his direction so that he takes his headphones off and can help me. We have communicated via email, phone and IM when one of us is telecommuting before, but it is not as effective and does take longer. I also know that, for my personality, I work better when I'm in an office situation. Not everyone is like this, but I know many who are.
I just use netflix - no cable and only rarely going out to the movies. Between the watch instantly and the huge selection movies to get in the mail, I don't need anything else. And whats really great about it is I get more of the content I want for less than half the price cable would be.
We love netflix. I'm still on the free month (quickly ending) but we have seen many movies via the computer and through the mail. The variety and availability has been great and allows for much flexibility. Plus, I've watched movies that I never would have considered liking and have actually enjoyed and learned a few things from documentaries. TV series on dvd are great as well.
Just a quick note on saving money on ink -- the 2010 promotion is $1 with a store coupon; check Walgreens website for locations and to see the ad (in the weekly flier).
mmmm, that looks good. Started reading up on the tasting notes, very impressive. Auchentoshan has a very nice animation of the distillation they do. I do not see the benefit of their triple distillation process. Looks like they just keep mixing it back together. Maybe they are not showing a step where the water that falls out is removed and not put back in the still? Willie Boy, if you visit the site, ask them for us. There are a lot of distilleries in the states. Living in the east, I can get to many with only an 8 hour drive. If you have a passion for the hobby, that is a small amount of time for a holiday trip.
Using the wine as is would be the most authentic way. If you wanted to get a higher production, you could make a strong wash and distill them together. Put some wine in the thumper. When you are ready to age it with oak, try soaking the toasted oak shavings in the wine first, then age the brandy over the wet oak.
Willie Boy
I have a dry fit column right now, I have not sweat it together yet. One day.
There's some humor potential there. But there is an important difference: When the Fed expands the money supply a little too quickly, everyone takes a small hit. When a counterfeiter passes a bad bill, the guy who ends up with the counterfeit has to eat the whole $100 loss.
So, it's well worth knowing how to use the security features on the money, even if you're also worried about inflation.
Is that why anyone would ever buy a home to loose money on it and be tied into a property forever. Why not just rent at that point so you have more freedom to move and not worry about anything breaking and you fixing it. Come on think about it. If it were not to go up in value over the years Why Buy?
Check your recordings at your court records and your note payable to make sure you are paying the correct lender. Check all your paper time is of the essence.
We have an antenna on our TV, and occasionally see movies, and have netflix and streaming set up through my xbox. so we probably spend a total of about $275 for the entire year on watching movies. That is 10 a month for netflix and the rest averages out to about one movie a month for two. That's not bad for the entire year considering some people pay that much within a couple months.
We have an antenna on our TV, and occasionally see movies, and have netflix and streaming set up through my xbox. so we probably spend a total of about $275 for the entire year on watching movies. That is 10 a month for netflix and the rest averages out to about one movie a month for two. That's not bad for the entire year considering some people pay that much within a couple months.
Am I the only one who finds it ironic that the Treasury secretary is concerned that counterfeiters printing too many $100 bills will hurt the value of US money?
It is simply a big fat lie that CRA caused the financial crisis. I'll refute this silly nonsense.You say you did banking, but you must not have been much of a banker. CRA regs apply to specific areas, not every where in the country, every town, neighborhood and there are tons of lenders who are NOT BANKS and are not covered by these regs.
1. the crisis was caused by the poor performance of mortgage loans made between 2005 and 2007. If CRA did actually spurred the expansion of the subprime mortgage market and subsequent turmoil, some change in the enforcement regime in 2004 or 2005 would have triggered a relaxation of underwriting standards by CRA-covered lenders for loans originated in the past few years. However, the CRA rules and enforcement process have not changed substantively since 1995.
2. independent nonbank lenders, such as mortgage and finance companies and credit unions, originated nearly half of subprime mortgages, but they are not subject to CRA regulation and, hence, are not directly influenced by CRA obligations. And the financial entities that bought these mortgages as mortgage backed securities were not covered by CRA either.
Its a ridicoulous lie and worse, its a lie that perpetuates a steretype of minorities on top of it.
Hi All, I'm in San Jose, CA and I bought a 3-quart box of powdered milk for $3.39 (without tax), and I also bought a gallon of fresh, whole milk--for $2.25!! Doing the math, the powdered milk is $1.13 per quart, and the fresh is $0.57 cents per quart!!! I couldn't believe my eyes. I'd never used powdered milk before and wanted to try it out as an emergency thing, also under the impression thats it's cheaper. Well, it sure isn't, definitely around here. This area is so expensive for everything though. But still! I'm so disappointed that I can't powdered milk as part of my frugal living plan now--I mixed up a little and it tasted just fine.
Hulu mainly, occasionally supplemented by Redbox flicks. Especially if I have a free code! We used to pay $18/month for Blockbuster's version of Netflix... I figure we're saving over $200 by dropping that. We are going to the movies this month, though- for under $20 at KMart, I got 8 11 oz bags of chocolate, 2 Ironman2 tix, & 2 Fandango tix to the movie of our choice. Score!
Just a note on the french bread. I totally support making things from scratch but from a cost/benefit perspective, you could spend the time it takes to make the French bread (which is relatively cheap) on something else that is more expensive to buy than to make--like a cake.
I love Redbox! My 13 year old son is learnimg my frugal ways and walks to the library with friends to check out movies for free! We splurge occassionally at the theatre for special movies like Alice In Wonderland 3D or How To Train Your Dragon 3D but eat before we go and sneak in snacks, the kids have to use their allowance money though or sometimes I treat them to the movie tickets and my son will treat us with popcorn and a couple drinks to share! I do collect Disney movies and buy them for myself and gifts for my sons on DVD and now Blu-Ray or I look for the good old Disney Classics at used movie stores or pawn shops. I always search for coupons online first though and combine them with store coupons! Sometimes I order thru Disney Movie Club when they have a good sale but have also used Amazon and Ebay
I haven't read the book but I have access to it. After your review I will read it. My 30 year mortgage started off at 8.5%. Twice I refinanced it but kept the payments the same and didn't borrow any more money. When the balance was at $30,000 I paid it off with money I saved. It took 19 years. Can't say if I am any happier but I do have more money.
If you don’t have a USA credit card you can’t buy itunes gift cards from iTunes. You can buy totally legal itunes gift cards from <a href="http://www.globeitunes.com">www.globeitunes.com</a> and they will send you the code to your e-mail in a few hours. Codes are 100% legal.
Zorcy, check out the Bruichladdich scotch whiskey (or whisky, as the Scots spell it). The peat taste is supposed to be from using peat to dry the sprouted barley malt. I reckon that using a homebrew beer malt kit and running it through the still and putting a bit of charred peat (the fuel stuff, not the grow-bag stuff) would give the same taste. And then "age" it with oak shavings for the "10 year old barrel" effect. i'll give it a whirl and see how it goes. and did you ever get around to building that copper still you mentioned on one of the very early posts?
if it's a dry wine, there's no point in adding more yeast; there's nothing left to ferment. if it's a sweet wine, it might ferment a bit more if you add yeast. Or maybe just distill it anyway, and use what's left in the still, (which will be even further concentrated with sugar), as the basis of your next wash.
These figures are interesting and telecommuting certainly offers many benefits to many people. But what the figures presented here don't take into account is whether every worker can work at the same level of productivity at home as they can at work.
I telecommute on occasion - bad weather, waiting for repair person/delivery, etc. And I know that I am not nearly as productive at home as I am at work. Part of that is that a majority of my work is done over a network and requires large amounts of computing power. My home interent connection and company issued laptop just isn't fast or powerful enough to keep up. Even remoting into my desk top machine doesn't alleviate all of the problems. So, a better home office set-up would be required...at least for me. Additionally, many of my projects are collaborative and/or I need help from our "tool elves" who build and maintain our software tools. At work, our main elf sits is my cubemate. So getting help is as easy as tossing a little ball of paper in his direction so that he takes his headphones off and can help me. We have communicated via email, phone and IM when one of us is telecommuting before, but it is not as effective and does take longer. I also know that, for my personality, I work better when I'm in an office situation. Not everyone is like this, but I know many who are.
I just use netflix - no cable and only rarely going out to the movies. Between the watch instantly and the huge selection movies to get in the mail, I don't need anything else. And whats really great about it is I get more of the content I want for less than half the price cable would be.
We love netflix. I'm still on the free month (quickly ending) but we have seen many movies via the computer and through the mail. The variety and availability has been great and allows for much flexibility. Plus, I've watched movies that I never would have considered liking and have actually enjoyed and learned a few things from documentaries. TV series on dvd are great as well.
Just a quick note on saving money on ink -- the 2010 promotion is $1 with a store coupon; check Walgreens website for locations and to see the ad (in the weekly flier).
Bruichladdich
mmmm, that looks good. Started reading up on the tasting notes, very impressive. Auchentoshan has a very nice animation of the distillation they do. I do not see the benefit of their triple distillation process. Looks like they just keep mixing it back together. Maybe they are not showing a step where the water that falls out is removed and not put back in the still? Willie Boy, if you visit the site, ask them for us. There are a lot of distilleries in the states. Living in the east, I can get to many with only an 8 hour drive. If you have a passion for the hobby, that is a small amount of time for a holiday trip.
jarrett
Using the wine as is would be the most authentic way. If you wanted to get a higher production, you could make a strong wash and distill them together. Put some wine in the thumper. When you are ready to age it with oak, try soaking the toasted oak shavings in the wine first, then age the brandy over the wet oak.
Willie Boy
I have a dry fit column right now, I have not sweat it together yet. One day.
Missed an episode? Watch them all at www.hboepisodes.com
There's some humor potential there. But there is an important difference: When the Fed expands the money supply a little too quickly, everyone takes a small hit. When a counterfeiter passes a bad bill, the guy who ends up with the counterfeit has to eat the whole $100 loss.
So, it's well worth knowing how to use the security features on the money, even if you're also worried about inflation.
Is that why anyone would ever buy a home to loose money on it and be tied into a property forever. Why not just rent at that point so you have more freedom to move and not worry about anything breaking and you fixing it. Come on think about it. If it were not to go up in value over the years Why Buy?
Check your recordings at your court records and your note payable to make sure you are paying the correct lender. Check all your paper time is of the essence.
Dan Mattson (Doctor Dollar) here. I wrote several tips in my blog on how to do cheap movies. Check it out at http://wp.me/pMBEM-5.
We have an antenna on our TV, and occasionally see movies, and have netflix and streaming set up through my xbox. so we probably spend a total of about $275 for the entire year on watching movies. That is 10 a month for netflix and the rest averages out to about one movie a month for two. That's not bad for the entire year considering some people pay that much within a couple months.
We have an antenna on our TV, and occasionally see movies, and have netflix and streaming set up through my xbox. so we probably spend a total of about $275 for the entire year on watching movies. That is 10 a month for netflix and the rest averages out to about one movie a month for two. That's not bad for the entire year considering some people pay that much within a couple months.
Am I the only one who finds it ironic that the Treasury secretary is concerned that counterfeiters printing too many $100 bills will hurt the value of US money?
It is simply a big fat lie that CRA caused the financial crisis. I'll refute this silly nonsense.You say you did banking, but you must not have been much of a banker. CRA regs apply to specific areas, not every where in the country, every town, neighborhood and there are tons of lenders who are NOT BANKS and are not covered by these regs.
1. the crisis was caused by the poor performance of mortgage loans made between 2005 and 2007. If CRA did actually spurred the expansion of the subprime mortgage market and subsequent turmoil, some change in the enforcement regime in 2004 or 2005 would have triggered a relaxation of underwriting standards by CRA-covered lenders for loans originated in the past few years. However, the CRA rules and enforcement process have not changed substantively since 1995.
2. independent nonbank lenders, such as mortgage and finance companies and credit unions, originated nearly half of subprime mortgages, but they are not subject to CRA regulation and, hence, are not directly influenced by CRA obligations. And the financial entities that bought these mortgages as mortgage backed securities were not covered by CRA either.
Its a ridicoulous lie and worse, its a lie that perpetuates a steretype of minorities on top of it.
But - -- don't like cake. Like bread. All depends on your priorities.
Hi All, I'm in San Jose, CA and I bought a 3-quart box of powdered milk for $3.39 (without tax), and I also bought a gallon of fresh, whole milk--for $2.25!! Doing the math, the powdered milk is $1.13 per quart, and the fresh is $0.57 cents per quart!!! I couldn't believe my eyes. I'd never used powdered milk before and wanted to try it out as an emergency thing, also under the impression thats it's cheaper. Well, it sure isn't, definitely around here. This area is so expensive for everything though. But still! I'm so disappointed that I can't powdered milk as part of my frugal living plan now--I mixed up a little and it tasted just fine.
good piece. where is part two??
Hulu mainly, occasionally supplemented by Redbox flicks. Especially if I have a free code! We used to pay $18/month for Blockbuster's version of Netflix... I figure we're saving over $200 by dropping that. We are going to the movies this month, though- for under $20 at KMart, I got 8 11 oz bags of chocolate, 2 Ironman2 tix, & 2 Fandango tix to the movie of our choice. Score!
Just a note on the french bread. I totally support making things from scratch but from a cost/benefit perspective, you could spend the time it takes to make the French bread (which is relatively cheap) on something else that is more expensive to buy than to make--like a cake.
I love Redbox! My 13 year old son is learnimg my frugal ways and walks to the library with friends to check out movies for free! We splurge occassionally at the theatre for special movies like Alice In Wonderland 3D or How To Train Your Dragon 3D but eat before we go and sneak in snacks, the kids have to use their allowance money though or sometimes I treat them to the movie tickets and my son will treat us with popcorn and a couple drinks to share! I do collect Disney movies and buy them for myself and gifts for my sons on DVD and now Blu-Ray or I look for the good old Disney Classics at used movie stores or pawn shops. I always search for coupons online first though and combine them with store coupons! Sometimes I order thru Disney Movie Club when they have a good sale but have also used Amazon and Ebay
I haven't read the book but I have access to it. After your review I will read it. My 30 year mortgage started off at 8.5%. Twice I refinanced it but kept the payments the same and didn't borrow any more money. When the balance was at $30,000 I paid it off with money I saved. It took 19 years. Can't say if I am any happier but I do have more money.
If you don’t have a USA credit card you can’t buy itunes gift cards from iTunes. You can buy totally legal itunes gift cards from <a href="http://www.globeitunes.com">www.globeitunes.com</a> and they will send you the code to your e-mail in a few hours. Codes are 100% legal.
Check this scotch out.............Auchentoshan 1957..............THAT'S the the sort of stuff I'm aiming for!!! The $2000 a bottle moonshine!!
Zorcy, check out the Bruichladdich scotch whiskey (or whisky, as the Scots spell it). The peat taste is supposed to be from using peat to dry the sprouted barley malt. I reckon that using a homebrew beer malt kit and running it through the still and putting a bit of charred peat (the fuel stuff, not the grow-bag stuff) would give the same taste. And then "age" it with oak shavings for the "10 year old barrel" effect. i'll give it a whirl and see how it goes. and did you ever get around to building that copper still you mentioned on one of the very early posts?
jarrett,
if it's a dry wine, there's no point in adding more yeast; there's nothing left to ferment. if it's a sweet wine, it might ferment a bit more if you add yeast. Or maybe just distill it anyway, and use what's left in the still, (which will be even further concentrated with sugar), as the basis of your next wash.