Living on 50% of what you earn sounds great in theory dave, but realistically there aren't many people that can do it. Especially since they're struggling with living off 100% already.
You know people always talk poorly about these financial "rules-of-thumb". But if I generally took these rules as advice and implement them (except for the engagement ring one), I would be better off than most Americans.
I don't know why anyone who has an internet connection and needs to shop for plus sized clothes would torture themselves by going to the mall to find them. Unless they liked looking for a needle in a haystack.
There are so many places that you can buy the size that fits and get a great deal too. JMS (Just My Size) is good for lingerie and casual clothes, but recently I have been buying a lot of stuff at OneStopPlus.com. Before going to the site, stop by Bing.com, sign in, and then find OneStopPlus on the list of stores. You will get 15% cashback. Between shopping sales and making use of discount codes and the Bing cashback, you can find some really good deals on some VERY nice clothes. I've been very pleased with everything I've bought from them, both in price and quality.
he wears that sleep acnea mask at night plus takes medication and my dads doctor has got my mom checking it 3 times a day and its been over 200 everytime it never goes to normal.he is disabled since i was 2 he is 60 yrs old all the man does as a habbit is chew tobbacco days work and he drinks diet coke what can he do to bring it normal or is he going to be put on a shot .if there is something out there you recommend to try that can bring it down just email me sorry to bother but im a only child and i dont want to lose him thank for yr time
Do you have a PayPal Account? (If Not the set up takes 10-15 minute)
Does $50 000+ in your PayPal account sound like something you'd be interested in?
That's Right. $50 000+ dollars in your PayPal Account.
IT WAS PROVEN ON OPRAH
You have most likely seen or heard about this project on TV programs such as
20/20 and Oprah, or you may have read about it in the Wall Street Journal.
If not, here it is below - revealed to you in step-by-step detail. This
program is by no means new. It has been in existence in many forms for at
least a decade. But in the early days, it required a lot more time and
effort, as well as an investment of a few hundred dollars. However thanks to
PayPal and the Internet, the investment is now virtually ZERO! And what's
more, the entire process is FASTER, EASIER, and MORE LUCRATIVE than it has
EVER been!
How to Turn $6 into $20,000 in 30 Days with PayPal
I WAS SHOCKED WHEN I SAW HOW MUCH MONEY CAME FLOODING INTO MY PAYPAL
ACCOUNT. I turned $6 into $20 000 within the first 30 days of operating the
business plan that I am about to reveal to you free of charge. If you decide
to take action on the following instructions, I will GUARANTEE that you will
enjoy a similar return! STILL NEED PROOF? Here are just three testimonials
from the countless individuals who decided to invest nothing more than $6
and half an hour of their time to participate in this program:
"What an amazing plan! I followed your instructions just three weeks ago,
and although I haven't made 15 grand yet, I'm already up to $9 135. I'm
absolutely gob smacked." -Pam Whittemore , Ohio
"Well, what can I say? THANK YOU SO MUCH! I sent 40 e-mails out like you
said and then I just forgot about the whole thing. To be honest, I didn't
really think anything would come of it. But when I checked my PayPal account
a week later, there was over $5,000 in After 30 days. I now have over
$11,000 to spend! I can't thank you enough!"-Juan Tovar, NY, NY
"I was shocked when I saw how much money came flooding into my PayPal
account. Within three weeks my account balance has ballooned to $12 449. At
first I thought there had been some sort of error with my account!" -Richard
Barrie , Boulder,CO
The only things you will need are:
· An email address
· A Business or Premier PayPal account with at least $6 deposited in it, and
· Just 15 to 30 minutes of your time.
This program takes just half an hour to set up. After that, there is
absolutely no work whatsoever to do on your part. You have absolutely
NOTHING to lose, and there is NO LIMIT to the amount of income you can
generate from this one single business program.
Let's get started, just follow the instructions exactly as set out below and
then prepare yourself for a HUGE influx of cash over the next 30 days! Here's
what you need to do.
REQUIREMENTS
· #1) an email address
· #2) a Premier or Business PayPal account
Now follow the steps: 1-4
STEP #1 - Setting up your FREE PayPal ************* extremely safe and very easy to set up a FREE PayPal account! Copy and
paste this to the address bar https://www.paypal.com (notice the secure
"https" within the link). Be sure to sign up for a free PREMIER or BUSINESS
account (and not just a PERSONAL account) otherwise you won't be able to
receive credit card payments from other people.
STEP #2 - Sending PayPal money "It is an undeniable law of the universe that
we must first give in order to receive." Now all you have to do is send
$1.00 by way of PayPal to each of the SIX email addresses listed below.
After setting up your free paypal account and confirming or verifying YOUR
ACCOUNT AND putting (SIX Dollars) $6.00 into your PayPal Account. Use the
Account tab on PayPal to send $1.00 to each of the names on the list with a
note "Please add me to your list."
Make sure the subject of the payment says... *PLEASE PUT ME ON YOUR EMAIL
LIST* (this keeps the program 100% legal, so please don't forget!)
(Just in case you still haven't opened your PayPal account yet, use this
link to open one in your name), https://www.paypal.com
(Make sure it's the same e-mail address that you used to open your PayPal
account. This is the way you will receive payment)
STEP #3 - Adding Your Email Address
After you send your payments, it's your turn to add your email address to
the list!
Take the #1) email off the list that you see above, move the other addresses
up one (6 becomes 5 & 5 becomes 4, etc) then put YOUR email address (the one
used in your PayPal account) as #6) on the list.
**MAKE SURE THE EMAIL YOU SUPPLY IS EXACTLY AS IT APPEARS IN YOUR PAYPAL
ACCOUNT**
STEP #4 - Copy Message to 200 Newgroups, message boards,etc. The Pure Joy of
Receiving PayPal Money!
You are now ready to post your copy of this message, to at least 200
newsgroups, message boards, etc. (I think there are close to 32 000 groups).
All you need is 200, but remember, the more you post, the more money you
make - as well as everyone else on the list! In this situation your job is
to let as many people see this letter as possible. So they will make you and
me rich! You can even start posting the moment your email is confirmed.
Payments will still appear in your PayPal account even while your bank
account is being confirmed.
HOW TO POST TO NEWSGROUPS & MESSAGE BOARDS
Step #1) You do not need to re-type this entire letter to do your own
posting. Simply hold CTRL key and A to select all, and then copy, either
with CTRL+C or select 'copy' from the edit menu. This will copy the entire
letter into your computer's clipboard.
Step #2) Open a blank 'Notepad' file and place your cursor at the top of the
blank page. From the 'Edit' menu select 'Paste'. This will paste a copy of
the letter into notepad so that you can add your email to the list. Or copy
to a Word Document and Place in the email upon completion.
Step #3) Save your new Notepad file as a .txt file. If you want to do your
postings in different sittings, you'll always have this file to go back to.
Step #4) Use Netscape or Internet Explorer and try searching for various
newsgroups, on-line forums, message boards, bulletin boards, chat sites,
discussions, discussion groups, online communities, etc.
EXAMPLE: go to any search engine like yahoo.com, google.com, altavista.com,
excite.com - then search with subjects like millionaire message board? Or
money making message board? Or opportunity message board? or money making
discussions? or business bulletin board? or money making forum? etc. You
will find thousands & thousands of message boards. Click them one by one
then you will find the option to post a new message.
Step #5) Visit these message boards and post this article as a new message
by highlighting the text of this letter and selecting 'Paste' from the 'Edit'
menu. Fill in the Subject, this will be the header that everyone sees as
they scroll thru the list of postings in a particular group, click the post
message button. You're done with your first one!
Congratulations! THAT'S IT! All you have to do is jump to different
newsgroups and post away. After you get the hang of it, it will take about
30 seconds for each newsgroup!
REMEMBER, THE MORE NEWSGROUPS AND/OR MESSAGE BOARDS YOU POST IN, THE MORE
MONEY YOU WILL MAKE! BUT YOU HAVE TO POST A MINIMUM OF 200**
That's it! You will begin receiving money within days!
**JUST MAKE SURE THE EMAIL YOU SUPPLY IS EXACTLY AS IT APPEARS ON PAYPAL.**
Explanation of why it works so well:
$$$$$ NOW THE WHY PART: Out of 200 postings, say I receive only five replies
(a very low example). Then I made $5.00 with my email at #5 on the letter.
Each of the five persons who just sent me $1.00 make the MINIMUM 200
postings, each with my email at #5 and only five persons respond to each of
the original five, that is another $25.00 for me. Those 25 each now make 200
MINIMUM posts with my email at #4 and only five replies each, I will bring
in an additional $125.00! Those 125 persons now post the MINIMUM 200 with my
email at #3 and only receive five replies each, I will make an additional
$625.00! Now here is the fun part: each of those 625 persons post a MINIMUM
200 letters with my email at #2 and they only receive 5 replies that just
made me $3 125.00! Those 3 125 persons will all deliver this message to 200
newsgroups with my email at #1 and if only five persons per 200 newsgroups
react I will receive $15 625.00, with an original investment of only $5.00!
AMAZING! When your email is no longer on the list, you just take latest
posting in the newsgroups, and send out another $5.00 to emails on the list,
putting your email at number 5 again. And start posting again. The thing to
remember is, thousands of people all over the world are joining the internet
and reading these articles everyday, JUST LIKE YOU ARE now!
So can you afford $6.00? And see if it really works? I think so! People have
said, what if the plan is played out and no one sends you the money? What
are the chances of that happening when there are tons of new honest users
and new honest people who are joining the internet and newsgroups every day
and are willing to give it a try?
Estimates are at 20 000 to 50 000 new users sign up every day, with
thousands of those joining the actual Internet. Remember, play FAIRLY and
HONESTLY and this will work. This really isn't another one of those crazy
scams! As long as people FOLLOW THROUGH with sending out $5.00, it works!
There sure are a lot of snippy, self-righteous people posting here. Get over yourselves. The rules have changed you churchy fools! The likes of Citi and BOA are fleecing hundreds of billions from taxpayers while at the same time screwing each individual mortgage holder. Talk about double dipping? Why don't you go lecture them!
Sure they want you to default...they get tax breaks for every loss. This post illustrates the dilemma that honest people are facing, which is to become more like the banks! They don't care about you so, why should you care about them. It's just business. You have to change your perception of the world. There's a rule in this business: "You never throw good money after bad." The banks wouldn't do it and neither should you. So, of course you stop paying a loan that's 25-50% underwater! Now, try the details of this story when dealing with a lender who's call center is in India and they can't even get your name, address, and phone number straight after repeated attempts to communicate. "We can't handle this until you are in default."
"So, you can't start the process of working with me on this until I stop making payments?"
"Like I said, sir, we can't initiate the claim until the loan is in default."
"So, I should stop making payments?"
"...."
Of course, when you finally get some answers from one department, they can't coordinate with the collections end of their company, so you get dozens of calls that you have to explain the same thing over and over again. Don't worry about defaulting, etc. In the long run, millions and millions of people have faced the same thing so, it's just not that big a deal anymore. Hoard your cash, pay your credit cards, and you'll be just fine. Whatever you do, go forward, forget the sinking ship (house) and don't look back!
hey email me at alexdiazm2009@yahoo.com if you are really interested in buying my hair if not dont bother ok thank you.like i said i have a little bit over 15 inches of dark browm kerly hair never been cut for the past 7 years and is nice and thick and very pretty ok email me or call me at 774-314-0658
hey i am local in new york city i am in brooklyn,n.y so i have little bit over 15 inches of dark brown kerly hair i am a male and latin so if you are interested email me at alexdiazm2009@yahoo.com or call me at 774-314-0658 ok thank you?
ok i am a guy name alex diaz and while i was trying to donate my hair and i hear is a lots of scammers outhere,well i have a little bit over 15 inches of long kerly brown hair and is nice and thick hair that i would love to sell for a little bit if cash,so if you are interested in seen my and buying my hair just email me and let me no,my email is< alexdiazm2009@yahoo.com>thank you?
I am recently trying to deal with some debt that has been unpayed due to unemployment. When I talked to the debt collector trying to find a way of paying at least a small amount of what I owe a month she told me I had no options and I had to pay the entire amount of a student loan of $8000. I explained that clearly I could not pay the whole amount and could I give a smaller monthly payment. She told me I absolutely had to pay the whole amount and I better go and find friends and family to give it to me. She even told me I should get my parents to take a loan against their house! I was previously paying about 120 a month but could no longer afford it now I have been sent to collections and they are demanding the whole amount. If they would allow me to pay about 30 a month now and about 200 a month when i get a job that would be reasonable. But she keeps insisting she wants the entire amount and there is nothing I can do. Well I can tell you right now I do not have the entire amount. Even scratching 30 a month is a challenge! I dont know what to do I am having a temporary bad financial state but I passed my boards and will have a job as a nurse soon. I fully intend to honor my debts, but I can not give the entire amount even then. It has been awful. I have always payed my bills on time and had decent credit until the last year and a half and I am doing my best to improve my situation and honor the debts I owe. But she made me feel like dirt. I wish she could live in my situation for a while and see how she feels. I think I am just going to send some payments in to the collection agency and stop trying to reason with her. At least if she takes me to court the judge would see that I was trying my best to deal with the debt.
Long term timing seems to have worked for some people and in hindsight you'll see that. Market timing -- the short term kind -- is trading. But "not buying and holding" can also mean market timing that's done sporadically, mostly to respond to long term trends. That isn't trading, but it's still timing. And I think it makes sense to do this when your strategy/plan/economic circumstances call for it.
I agree; the banks could care less about the average person. We have been trying for over a year to get a loan modification and have just been strung along and not granted any help. This information about this new program to make a short sale easier is confusing. Early in the article it states you need to be behind on your payments and ready to be in default....later it says you have to make payments during the short sale process? If we could afford to make the payments, we would be making the payments.
This government better start doing things that help the regular person instead of big corporations soon or there will be no hope for any of us...rich, average, or poor!
Good for you! Its great to see younger people getting back to the basics with their food. I love to preserve my own food. (My mom never did!) Come late summer/early fall ask everyone you know if they have any leads on free fruits or veggies. Many people are releived to give their excess away, and that makes canning so much more affordable. Also, ask around for canning jars, especially older people you know, and shop yard sales and thrift shops for jars. Good luck to you with your employment search, and wish me luck with my tomatoes this summer. I can can it, but growing it eludes me:)
I had a wonderful hourglass figure, always large in the hips but small waist. Until I had to go on lots of med, now I am 40 lbs more of me. I still have small shoulders, big butt, but now I have a bit of a tummy. I am having a hard time with it. BUt I agree with you now belts or dumpy sweaters. I admit, i have watched a lot of What Not to Wear, it actually helped me though.
I love dresses and skirts, and as I live in Az I never wear hose unless very dressy.
I like Ross and I love yard sales and the Thrift stores.
I have actually had good luck with QVC and their designers. Quacker Factory is good for me for pants and jeans. And I love the bling on them. Susan Graver makes a lot of good clothes, and I always buy them on clearance.
If you are worried about your legs in a dress without hose, get some fake tan lotion. It works great now and looks natural.
Its almost a rule for us now--the more fresh veggies you can put in your diet and the more meat and so forth you can take out, the cheaper monthly food bill will be.
You know, I actually found it easier to meet this savings goal when I was younger and didn't have house & family! I had my direct deposit set up so that money went directly into savings - I never saw, never had to do anything. Since I wasn't making all that much money, 10% of it didn't seem that huge, either, but it adds up quickly when you really do it every month.
I have received the same email, after looking at the house I knew it was "too good to be true"!!!!!!!!!!!!! After emailing his back and forth a few times I was certain that this was a scam! I asked him questions and he didnt respond in the right manor, it was just about trust and god! Well, I wasnt sending 1200 bucks to this guy without some documentation! I almost went knocking on the nrighbors doors to see if they knew the neighbors and what the deal was, Thank God I checked out your blog first!
Thank you sooo much for posting this, I would have never sent money to someone I didnt know but it was better to read then look like a fool knocking on doors!
Now, I realize that 10% isn't possible for everyone. People can get into all kinds of financial situations where it just isn't possible to do that.
That said, I advocate getting oneself to a point where it is possible to save beyond 10% - and well beyond. It may take time to get there, but saving 25% or more would be much better.
Just think about it - how do you replace this income when you need to retire? In an era of no pension funds, there won't be anyone to take care of you. Sure, some people will inherit assets and that could help those folks. But taking that out of the mix, it is imperative for people to save on their own.
Here is an example: A person making $50,000, saving 10%, will be saving $5,000 per year. Now just how far will that $5,000 go toward paying your bills when older? Well, if invested well it could earn a rate of return that outpaces inflation, while factoring in tax conseuqences, and compounding will fuel this growth. But even if your rate of return after taxes exceeded inflation by 2%, in today's purchasing power you would have a little over $8000 after 25 years. Think about it - if your after-tax rate of return is 5% and inflation is 3% (reasonable assumptions), that's what you get. One year of work will pay your bills for THAT year and, on a stand alone basis, will provide for about 2 months of living expenses in 25 years.
Better to save as much as you can, as early as you can. And keep that career going strong while living within your means.
What if we simply do away with insurance all together. Then the doctors can prescribe the tests they truly find necessary and can advertise their rates for procedures. Then I can see whichever doctor I want, including alternative doctors. The insurance companies are controlling the doctors as well as patients.
Since insurance companies have caused the price of health care to skyrocket, getting rid of them would allow the prices to adjust. Then I can spend my $8,000 annual premiums on prevention. HA.
Nine years ago when I had my son I called the local hospital and said I didn't have insurance. I asked what it would cost to have my child. I was quoted $1,200. When I actually had him and submitted my insurance for payment ~ the bill was $13,000. Some difference. Who are they kidding. We all see through them.
We have the power here. If we collectively refuse to pay them, we are in a position to make serious changes in our health care system. We just lack leadership.
Hi Paul, I take phone calls on your situation every day. That rep. is stating that in order to qualify for an in-house loan mod., you need to be 90 days delinquent. Judging that you're not in a financial hardship, this is not what you want - especially if you're PITI is less than 31% of your household's gross income already. If you have a Fannie Mae or Freddie Mac, you can apply for the HARP [refi], else, you're looking at a short sale. The gov't plan for principal reduction will come out in the fall.
Google Fannie mae/Freddie Mac lookup if you're unsure.
EVERY OTHER large country found a way to do whats right!
WHY CAN'T WE? (and why has our government been so vaugue about everything) Like kids covered until 26, or no Caps, but... no mention that you will pay a lot extra !!!
MY 10 POINT PLAN
1. Single Payer, even if managed by private companies.
2. Controlled regulated medical costs. (or below won't work)
IF a Hip replacement cost $65,000 here and $7000 everywhere
else worldwide with Ntl Care..then we lose.
3. National Plan, BASIC health coverage for all.
Preventative Care, annual checkup is manditory.
Everyone has to pay something, or contribute to
society, unless 100% disabled.
4. ANY doctor, though, system & patients need managed care.
Everyone chooses a primary care doctor. He OK's referrals,
and then you agree or chose your own specialist, or ask
for second opinion. SOME specialist (like chiropractic
dermotologist or gyno might be allowed on your own).
5. Co-pays(small) for preventative. You have to pay something.
When people pay nothing, they do not value & feel entitled.
6. Then you can earn credits to upgrade coverage level with:
Military Service
National Guard
Government Service (pay cuts to private sector norms)
Community Service or National Service
High School Completion & Testing
Higher Education completion & Testing
Vocational Education Completion & Testing
Saving for retirement, IRA and other
Paying your bills, good credit
-or- you can buy riders with money.
7. Medicare rolls into the National Plan, and everyone has
a Primary Care doctor who knows them and their problems.
(right now more than 2/3 of the Medicare dollars spent
are wasted with elderly self directed care VS managed)
Managed is NOT a dirty word. With 16 Medications average,
and multiple conditions, it is only sane to have a main
doctor over seeing the specialists and outcomes.
8. Medicaid rolls into National Plan. Specific guideleine
for health care when very limited circumstance waive
the normal contributions and/or copays. Cost of this
care stays with you, and must be repaid when able.
9. Like it or not there woudl be CAPS & LIMITS on care,
unless you have additional riders to extend these.
10. Lifestyle choices will penalize your coverage above BASIC.
(get real), the majority can not continue to pay for those
whom choose to damage their health AND make no measured
effort to change. (this is norm now for most HMOs)
Living on 50% of what you earn sounds great in theory dave, but realistically there aren't many people that can do it. Especially since they're struggling with living off 100% already.
The Writer's Coin | Follow me on Twitter
These aren't technically ratios...!
You know people always talk poorly about these financial "rules-of-thumb". But if I generally took these rules as advice and implement them (except for the engagement ring one), I would be better off than most Americans.
I don't know why anyone who has an internet connection and needs to shop for plus sized clothes would torture themselves by going to the mall to find them. Unless they liked looking for a needle in a haystack.
There are so many places that you can buy the size that fits and get a great deal too. JMS (Just My Size) is good for lingerie and casual clothes, but recently I have been buying a lot of stuff at OneStopPlus.com. Before going to the site, stop by Bing.com, sign in, and then find OneStopPlus on the list of stores. You will get 15% cashback. Between shopping sales and making use of discount codes and the Bing cashback, you can find some really good deals on some VERY nice clothes. I've been very pleased with everything I've bought from them, both in price and quality.
this is a good article. will definitely recommend this to some friends who are in this same field of business.
the rules are just right!
linda of physician contracts
Live on 50% of what you earn. Follow this and the rest takes care of itself.
he wears that sleep acnea mask at night plus takes medication and my dads doctor has got my mom checking it 3 times a day and its been over 200 everytime it never goes to normal.he is disabled since i was 2 he is 60 yrs old all the man does as a habbit is chew tobbacco days work and he drinks diet coke what can he do to bring it normal or is he going to be put on a shot .if there is something out there you recommend to try that can bring it down just email me sorry to bother but im a only child and i dont want to lose him thank for yr time
Do You Need Extra Income?
Do you have a PayPal Account? (If Not the set up takes 10-15 minute)
Does $50 000+ in your PayPal account sound like something you'd be interested in?
That's Right. $50 000+ dollars in your PayPal Account.
IT WAS PROVEN ON OPRAH
You have most likely seen or heard about this project on TV programs such as
20/20 and Oprah, or you may have read about it in the Wall Street Journal.
If not, here it is below - revealed to you in step-by-step detail. This
program is by no means new. It has been in existence in many forms for at
least a decade. But in the early days, it required a lot more time and
effort, as well as an investment of a few hundred dollars. However thanks to
PayPal and the Internet, the investment is now virtually ZERO! And what's
more, the entire process is FASTER, EASIER, and MORE LUCRATIVE than it has
EVER been!
How to Turn $6 into $20,000 in 30 Days with PayPal
I WAS SHOCKED WHEN I SAW HOW MUCH MONEY CAME FLOODING INTO MY PAYPAL
ACCOUNT. I turned $6 into $20 000 within the first 30 days of operating the
business plan that I am about to reveal to you free of charge. If you decide
to take action on the following instructions, I will GUARANTEE that you will
enjoy a similar return! STILL NEED PROOF? Here are just three testimonials
from the countless individuals who decided to invest nothing more than $6
and half an hour of their time to participate in this program:
"What an amazing plan! I followed your instructions just three weeks ago,
and although I haven't made 15 grand yet, I'm already up to $9 135. I'm
absolutely gob smacked." -Pam Whittemore , Ohio
"Well, what can I say? THANK YOU SO MUCH! I sent 40 e-mails out like you
said and then I just forgot about the whole thing. To be honest, I didn't
really think anything would come of it. But when I checked my PayPal account
a week later, there was over $5,000 in After 30 days. I now have over
$11,000 to spend! I can't thank you enough!"-Juan Tovar, NY, NY
"I was shocked when I saw how much money came flooding into my PayPal
account. Within three weeks my account balance has ballooned to $12 449. At
first I thought there had been some sort of error with my account!" -Richard
Barrie , Boulder,CO
The only things you will need are:
· An email address
· A Business or Premier PayPal account with at least $6 deposited in it, and
· Just 15 to 30 minutes of your time.
This program takes just half an hour to set up. After that, there is
absolutely no work whatsoever to do on your part. You have absolutely
NOTHING to lose, and there is NO LIMIT to the amount of income you can
generate from this one single business program.
Let's get started, just follow the instructions exactly as set out below and
then prepare yourself for a HUGE influx of cash over the next 30 days! Here's
what you need to do.
REQUIREMENTS
· #1) an email address
· #2) a Premier or Business PayPal account
Now follow the steps: 1-4
STEP #1 - Setting up your FREE PayPal ************* extremely safe and very easy to set up a FREE PayPal account! Copy and
paste this to the address bar https://www.paypal.com (notice the secure
"https" within the link). Be sure to sign up for a free PREMIER or BUSINESS
account (and not just a PERSONAL account) otherwise you won't be able to
receive credit card payments from other people.
STEP #2 - Sending PayPal money "It is an undeniable law of the universe that
we must first give in order to receive." Now all you have to do is send
$1.00 by way of PayPal to each of the SIX email addresses listed below.
After setting up your free paypal account and confirming or verifying YOUR
ACCOUNT AND putting (SIX Dollars) $6.00 into your PayPal Account. Use the
Account tab on PayPal to send $1.00 to each of the names on the list with a
note "Please add me to your list."
Make sure the subject of the payment says... *PLEASE PUT ME ON YOUR EMAIL
LIST* (this keeps the program 100% legal, so please don't forget!)
(Just in case you still haven't opened your PayPal account yet, use this
link to open one in your name), https://www.paypal.com
#1) teasxa7@gmail.com
#2) jacquelinecuf@yahoo.com
#3) leadgenie@earthlink.net
#4) thanksgrayton@hotmail.com
#5) ebaybee2@gmail.com
#6) jusgiz41@yahoo.com
(Make sure it's the same e-mail address that you used to open your PayPal
account. This is the way you will receive payment)
STEP #3 - Adding Your Email Address
After you send your payments, it's your turn to add your email address to
the list!
Take the #1) email off the list that you see above, move the other addresses
up one (6 becomes 5 & 5 becomes 4, etc) then put YOUR email address (the one
used in your PayPal account) as #6) on the list.
**MAKE SURE THE EMAIL YOU SUPPLY IS EXACTLY AS IT APPEARS IN YOUR PAYPAL
ACCOUNT**
STEP #4 - Copy Message to 200 Newgroups, message boards,etc. The Pure Joy of
Receiving PayPal Money!
You are now ready to post your copy of this message, to at least 200
newsgroups, message boards, etc. (I think there are close to 32 000 groups).
All you need is 200, but remember, the more you post, the more money you
make - as well as everyone else on the list! In this situation your job is
to let as many people see this letter as possible. So they will make you and
me rich! You can even start posting the moment your email is confirmed.
Payments will still appear in your PayPal account even while your bank
account is being confirmed.
HOW TO POST TO NEWSGROUPS & MESSAGE BOARDS
Step #1) You do not need to re-type this entire letter to do your own
posting. Simply hold CTRL key and A to select all, and then copy, either
with CTRL+C or select 'copy' from the edit menu. This will copy the entire
letter into your computer's clipboard.
Step #2) Open a blank 'Notepad' file and place your cursor at the top of the
blank page. From the 'Edit' menu select 'Paste'. This will paste a copy of
the letter into notepad so that you can add your email to the list. Or copy
to a Word Document and Place in the email upon completion.
Step #3) Save your new Notepad file as a .txt file. If you want to do your
postings in different sittings, you'll always have this file to go back to.
Step #4) Use Netscape or Internet Explorer and try searching for various
newsgroups, on-line forums, message boards, bulletin boards, chat sites,
discussions, discussion groups, online communities, etc.
EXAMPLE: go to any search engine like yahoo.com, google.com, altavista.com,
excite.com - then search with subjects like millionaire message board? Or
money making message board? Or opportunity message board? or money making
discussions? or business bulletin board? or money making forum? etc. You
will find thousands & thousands of message boards. Click them one by one
then you will find the option to post a new message.
Step #5) Visit these message boards and post this article as a new message
by highlighting the text of this letter and selecting 'Paste' from the 'Edit'
menu. Fill in the Subject, this will be the header that everyone sees as
they scroll thru the list of postings in a particular group, click the post
message button. You're done with your first one!
Congratulations! THAT'S IT! All you have to do is jump to different
newsgroups and post away. After you get the hang of it, it will take about
30 seconds for each newsgroup!
REMEMBER, THE MORE NEWSGROUPS AND/OR MESSAGE BOARDS YOU POST IN, THE MORE
MONEY YOU WILL MAKE! BUT YOU HAVE TO POST A MINIMUM OF 200**
That's it! You will begin receiving money within days!
**JUST MAKE SURE THE EMAIL YOU SUPPLY IS EXACTLY AS IT APPEARS ON PAYPAL.**
Explanation of why it works so well:
$$$$$ NOW THE WHY PART: Out of 200 postings, say I receive only five replies
(a very low example). Then I made $5.00 with my email at #5 on the letter.
Each of the five persons who just sent me $1.00 make the MINIMUM 200
postings, each with my email at #5 and only five persons respond to each of
the original five, that is another $25.00 for me. Those 25 each now make 200
MINIMUM posts with my email at #4 and only five replies each, I will bring
in an additional $125.00! Those 125 persons now post the MINIMUM 200 with my
email at #3 and only receive five replies each, I will make an additional
$625.00! Now here is the fun part: each of those 625 persons post a MINIMUM
200 letters with my email at #2 and they only receive 5 replies that just
made me $3 125.00! Those 3 125 persons will all deliver this message to 200
newsgroups with my email at #1 and if only five persons per 200 newsgroups
react I will receive $15 625.00, with an original investment of only $5.00!
AMAZING! When your email is no longer on the list, you just take latest
posting in the newsgroups, and send out another $5.00 to emails on the list,
putting your email at number 5 again. And start posting again. The thing to
remember is, thousands of people all over the world are joining the internet
and reading these articles everyday, JUST LIKE YOU ARE now!
So can you afford $6.00? And see if it really works? I think so! People have
said, what if the plan is played out and no one sends you the money? What
are the chances of that happening when there are tons of new honest users
and new honest people who are joining the internet and newsgroups every day
and are willing to give it a try?
Estimates are at 20 000 to 50 000 new users sign up every day, with
thousands of those joining the actual Internet. Remember, play FAIRLY and
HONESTLY and this will work. This really isn't another one of those crazy
scams! As long as people FOLLOW THROUGH with sending out $5.00, it works!
With warm wishes, bless you and your loved ones, https://www.paypal.com
$$$$$DON'T PASS THIS UP $$$$$
There sure are a lot of snippy, self-righteous people posting here. Get over yourselves. The rules have changed you churchy fools! The likes of Citi and BOA are fleecing hundreds of billions from taxpayers while at the same time screwing each individual mortgage holder. Talk about double dipping? Why don't you go lecture them!
Sure they want you to default...they get tax breaks for every loss. This post illustrates the dilemma that honest people are facing, which is to become more like the banks! They don't care about you so, why should you care about them. It's just business. You have to change your perception of the world. There's a rule in this business: "You never throw good money after bad." The banks wouldn't do it and neither should you. So, of course you stop paying a loan that's 25-50% underwater! Now, try the details of this story when dealing with a lender who's call center is in India and they can't even get your name, address, and phone number straight after repeated attempts to communicate. "We can't handle this until you are in default."
"So, you can't start the process of working with me on this until I stop making payments?"
"Like I said, sir, we can't initiate the claim until the loan is in default."
"So, I should stop making payments?"
"...."
Of course, when you finally get some answers from one department, they can't coordinate with the collections end of their company, so you get dozens of calls that you have to explain the same thing over and over again. Don't worry about defaulting, etc. In the long run, millions and millions of people have faced the same thing so, it's just not that big a deal anymore. Hoard your cash, pay your credit cards, and you'll be just fine. Whatever you do, go forward, forget the sinking ship (house) and don't look back!
I wonder if anyone has tried any above methods for small hail damaged?
hey email me at alexdiazm2009@yahoo.com if you are really interested in buying my hair if not dont bother ok thank you.like i said i have a little bit over 15 inches of dark browm kerly hair never been cut for the past 7 years and is nice and thick and very pretty ok email me or call me at 774-314-0658
hey i am local in new york city i am in brooklyn,n.y so i have little bit over 15 inches of dark brown kerly hair i am a male and latin so if you are interested email me at alexdiazm2009@yahoo.com or call me at 774-314-0658 ok thank you?
ok i am a guy name alex diaz and while i was trying to donate my hair and i hear is a lots of scammers outhere,well i have a little bit over 15 inches of long kerly brown hair and is nice and thick hair that i would love to sell for a little bit if cash,so if you are interested in seen my and buying my hair just email me and let me no,my email is< alexdiazm2009@yahoo.com>thank you?
I am recently trying to deal with some debt that has been unpayed due to unemployment. When I talked to the debt collector trying to find a way of paying at least a small amount of what I owe a month she told me I had no options and I had to pay the entire amount of a student loan of $8000. I explained that clearly I could not pay the whole amount and could I give a smaller monthly payment. She told me I absolutely had to pay the whole amount and I better go and find friends and family to give it to me. She even told me I should get my parents to take a loan against their house! I was previously paying about 120 a month but could no longer afford it now I have been sent to collections and they are demanding the whole amount. If they would allow me to pay about 30 a month now and about 200 a month when i get a job that would be reasonable. But she keeps insisting she wants the entire amount and there is nothing I can do. Well I can tell you right now I do not have the entire amount. Even scratching 30 a month is a challenge! I dont know what to do I am having a temporary bad financial state but I passed my boards and will have a job as a nurse soon. I fully intend to honor my debts, but I can not give the entire amount even then. It has been awful. I have always payed my bills on time and had decent credit until the last year and a half and I am doing my best to improve my situation and honor the debts I owe. But she made me feel like dirt. I wish she could live in my situation for a while and see how she feels. I think I am just going to send some payments in to the collection agency and stop trying to reason with her. At least if she takes me to court the judge would see that I was trying my best to deal with the debt.
Long term timing seems to have worked for some people and in hindsight you'll see that. Market timing -- the short term kind -- is trading. But "not buying and holding" can also mean market timing that's done sporadically, mostly to respond to long term trends. That isn't trading, but it's still timing. And I think it makes sense to do this when your strategy/plan/economic circumstances call for it.
SVB @ The Digerati Life
I agree; the banks could care less about the average person. We have been trying for over a year to get a loan modification and have just been strung along and not granted any help. This information about this new program to make a short sale easier is confusing. Early in the article it states you need to be behind on your payments and ready to be in default....later it says you have to make payments during the short sale process? If we could afford to make the payments, we would be making the payments.
This government better start doing things that help the regular person instead of big corporations soon or there will be no hope for any of us...rich, average, or poor!
Good for you! Its great to see younger people getting back to the basics with their food. I love to preserve my own food. (My mom never did!) Come late summer/early fall ask everyone you know if they have any leads on free fruits or veggies. Many people are releived to give their excess away, and that makes canning so much more affordable. Also, ask around for canning jars, especially older people you know, and shop yard sales and thrift shops for jars. Good luck to you with your employment search, and wish me luck with my tomatoes this summer. I can can it, but growing it eludes me:)
I had a wonderful hourglass figure, always large in the hips but small waist. Until I had to go on lots of med, now I am 40 lbs more of me. I still have small shoulders, big butt, but now I have a bit of a tummy. I am having a hard time with it. BUt I agree with you now belts or dumpy sweaters. I admit, i have watched a lot of What Not to Wear, it actually helped me though.
I love dresses and skirts, and as I live in Az I never wear hose unless very dressy.
I like Ross and I love yard sales and the Thrift stores.
I have actually had good luck with QVC and their designers. Quacker Factory is good for me for pants and jeans. And I love the bling on them. Susan Graver makes a lot of good clothes, and I always buy them on clearance.
If you are worried about your legs in a dress without hose, get some fake tan lotion. It works great now and looks natural.
Its almost a rule for us now--the more fresh veggies you can put in your diet and the more meat and so forth you can take out, the cheaper monthly food bill will be.
You know, I actually found it easier to meet this savings goal when I was younger and didn't have house & family! I had my direct deposit set up so that money went directly into savings - I never saw, never had to do anything. Since I wasn't making all that much money, 10% of it didn't seem that huge, either, but it adds up quickly when you really do it every month.
I have received the same email, after looking at the house I knew it was "too good to be true"!!!!!!!!!!!!! After emailing his back and forth a few times I was certain that this was a scam! I asked him questions and he didnt respond in the right manor, it was just about trust and god! Well, I wasnt sending 1200 bucks to this guy without some documentation! I almost went knocking on the nrighbors doors to see if they knew the neighbors and what the deal was, Thank God I checked out your blog first!
Thank you sooo much for posting this, I would have never sent money to someone I didnt know but it was better to read then look like a fool knocking on doors!
Now, I realize that 10% isn't possible for everyone. People can get into all kinds of financial situations where it just isn't possible to do that.
That said, I advocate getting oneself to a point where it is possible to save beyond 10% - and well beyond. It may take time to get there, but saving 25% or more would be much better.
Just think about it - how do you replace this income when you need to retire? In an era of no pension funds, there won't be anyone to take care of you. Sure, some people will inherit assets and that could help those folks. But taking that out of the mix, it is imperative for people to save on their own.
Here is an example: A person making $50,000, saving 10%, will be saving $5,000 per year. Now just how far will that $5,000 go toward paying your bills when older? Well, if invested well it could earn a rate of return that outpaces inflation, while factoring in tax conseuqences, and compounding will fuel this growth. But even if your rate of return after taxes exceeded inflation by 2%, in today's purchasing power you would have a little over $8000 after 25 years. Think about it - if your after-tax rate of return is 5% and inflation is 3% (reasonable assumptions), that's what you get. One year of work will pay your bills for THAT year and, on a stand alone basis, will provide for about 2 months of living expenses in 25 years.
Better to save as much as you can, as early as you can. And keep that career going strong while living within your means.
What if we simply do away with insurance all together. Then the doctors can prescribe the tests they truly find necessary and can advertise their rates for procedures. Then I can see whichever doctor I want, including alternative doctors. The insurance companies are controlling the doctors as well as patients.
Since insurance companies have caused the price of health care to skyrocket, getting rid of them would allow the prices to adjust. Then I can spend my $8,000 annual premiums on prevention. HA.
Nine years ago when I had my son I called the local hospital and said I didn't have insurance. I asked what it would cost to have my child. I was quoted $1,200. When I actually had him and submitted my insurance for payment ~ the bill was $13,000. Some difference. Who are they kidding. We all see through them.
We have the power here. If we collectively refuse to pay them, we are in a position to make serious changes in our health care system. We just lack leadership.
Hi... This articles is more useful for those people who are interested to buy variety of designer wear and what problems they could face.
Hi Paul, I take phone calls on your situation every day. That rep. is stating that in order to qualify for an in-house loan mod., you need to be 90 days delinquent. Judging that you're not in a financial hardship, this is not what you want - especially if you're PITI is less than 31% of your household's gross income already. If you have a Fannie Mae or Freddie Mac, you can apply for the HARP [refi], else, you're looking at a short sale. The gov't plan for principal reduction will come out in the fall.
Google Fannie mae/Freddie Mac lookup if you're unsure.
EVERY OTHER large country found a way to do whats right!
WHY CAN'T WE? (and why has our government been so vaugue about everything) Like kids covered until 26, or no Caps, but... no mention that you will pay a lot extra !!!
MY 10 POINT PLAN
1. Single Payer, even if managed by private companies.
2. Controlled regulated medical costs. (or below won't work)
IF a Hip replacement cost $65,000 here and $7000 everywhere
else worldwide with Ntl Care..then we lose.
3. National Plan, BASIC health coverage for all.
Preventative Care, annual checkup is manditory.
Everyone has to pay something, or contribute to
society, unless 100% disabled.
4. ANY doctor, though, system & patients need managed care.
Everyone chooses a primary care doctor. He OK's referrals,
and then you agree or chose your own specialist, or ask
for second opinion. SOME specialist (like chiropractic
dermotologist or gyno might be allowed on your own).
5. Co-pays(small) for preventative. You have to pay something.
When people pay nothing, they do not value & feel entitled.
6. Then you can earn credits to upgrade coverage level with:
Military Service
National Guard
Government Service (pay cuts to private sector norms)
Community Service or National Service
High School Completion & Testing
Higher Education completion & Testing
Vocational Education Completion & Testing
Saving for retirement, IRA and other
Paying your bills, good credit
-or- you can buy riders with money.
7. Medicare rolls into the National Plan, and everyone has
a Primary Care doctor who knows them and their problems.
(right now more than 2/3 of the Medicare dollars spent
are wasted with elderly self directed care VS managed)
Managed is NOT a dirty word. With 16 Medications average,
and multiple conditions, it is only sane to have a main
doctor over seeing the specialists and outcomes.
8. Medicaid rolls into National Plan. Specific guideleine
for health care when very limited circumstance waive
the normal contributions and/or copays. Cost of this
care stays with you, and must be repaid when able.
9. Like it or not there woudl be CAPS & LIMITS on care,
unless you have additional riders to extend these.
10. Lifestyle choices will penalize your coverage above BASIC.
(get real), the majority can not continue to pay for those
whom choose to damage their health AND make no measured
effort to change. (this is norm now for most HMOs)