I worked as a systems programmer and retired from the federal civil service after 32 years of service at 55 six years ago. I own my home and have no debt, but I NEVER owned nor wore a suit.
I think that the mother was 100 percent right for telling her young daughter about the saleswomen. I think that it is wrong to lie to your children in almost every single situation regardless if it may hurt their feelings at the time.
This reminds me of a similar incident i had when growing up. I was brought up in a christian home where we were always taught to tell the truth no matter what. Around christmas time in 1st grade my all my classmates were talking about how they couldn't wait for Santa Clause to come and give them all kinds of presents. Always the curious kid i asked my mother "Mommy, is Santa Clause real"? My mother could of been like most other mothers at my age and let me believe in the Jolly Old man in the read suite who comes down peoples chimneys and gives them presents. She chose instead however to be truthful and tell me that there was no such man and that the presents came instead from our parents and loved ones.
I fell that this was a good decision by my mother and by the mother in the story. I think that there is nothing wrong with telling children the truth even if it may hurt there feelings at the time.
I base most of my budget on calculations and my personal experience. In most cases I round UP on credit card fees (which are never consistant), electrical bills, monthly fuel intake, etc. I could see how prophesizing would drive someone crazy. That recently happened with me and my banking online. Everything I bought/paid for on the weekend was always "pending" until Tuesday and I would prophesize all weekend about how much was really in the bank. Tuesday would come along and I'd be in the red (even when I kept a spending journal!). I've decided bills are paid through online banking and everything else is cash. From my experience cash is the best way to pay.
I have had the same thoughts many times. I also wondered if reading all of the personal finance blogs about how to live cheaply might be creating a financial picture that makes me have to watch every penny. Maybe a week without any PF blogs or budget checks is in order..........maybe not.
I actually groom my dog myself. I wash him with baby shampoo, and have a special set of electric razors to shear him. It is not difficult, and I think that he likes it better than going to the groomer!
After China made pet food that resulted in the deaths of many pets, I began to make my own dog food. Rice, veggies and some meat, sometimes an egg. I make enough for a week at a time.
Saving money if one wants a new companion is best done at a shelter or rescue. Pet stores will definitely lie about where their puppies come from! If you do get the honest information, usually at least in this state it has to be posted near the cage, google it and you'll find its usually a "puppy mill" where the mothers live out short hopeless lives-the puppies usually have a multitude of health problems that will need to be taken care of and expensive! Perhaps congenital (interbred and mental problems too) I got my 1st puppy ever too years ago, parents were both there and having to deal with house training, chewed up things- and peed on rugs, never again! My other dog came from a shelter, she was house trained, spayed, had all her shots and was micro chipped and no one could have a sweeter dog (she helped me train the puppy!)
She is a beautiful dog and people ask me what her breed is, they want one! She was removed from a house after being starved and tied out, she had bald marks around her neck, was skin and bones- now she is the sweetest thing, no long term, except she licks everyone and everything in sight (even my dashboard) and sings when I get home, she is so happy! She was only 6 months when we got her- so almost a puppy but not all the puppy problems- also the "puppy" I got grew to 98 lbs...you never know what your going to get, but we love him!
a very good idea is starting a bounce house rental business the comercial bounce houses cost around 1000 depending on the model and u can rent them out for 75-100 a day in a matter of time ull make ur money back, around here at least in the warmer months its a must have for any family parties
We have two lab mixes and one old cat. We haven't changed much since the economic downturn. We give our dogs and cat really good packaged food. We exercise the dogs as often as we can and on occasion we buy treats, when there is a deal.
Our dogs love apple cores and watermelon rinds. They will eat most veg/fruits. We are careful to make sure it won't hurt them(no grapes, no onions, etc.). Our dogs also love popcorn from the hot air popper and of course what hits the floor is theirs. My wife makes organic treats for our dogs and they love them. Making our own treats cost pennies when compared to store bought treats.
While we do take our pets to the vet for regular checkups and shots we save money by having healthy pets. Whats true for humans is true for our pets, an oz. of prevention is worth a pound of cure. When appropriate, we use human otc drugs as they tend to be cheaper by 50% or more than what we can get at the vet. We also use the internet to find the best deals on flea/tick and other animal specific drugs and our vet will match the deal. Next time you need everyday meds just ask you vets office if they will match the internet price.
One way to save money on a trip to the vet is caned pumpkin. Whenever our dogs are having digestive issues like vomiting, diarrhea, or even some spotty blood in their stool(usually due to eating a pork bone). Pumpkin spoon fed to your dog really works wonders for an illness that will only last a meal or two. A bland diet of cooked mushy rice in combination with the pumpkin works wonders. Yes, we do spoon feed our dogs when they are sick. Everyone feels better when they are babied a little.
As for grooming we use natural soaps for ourselves and since its safe for us we use it on them. For spot cleaning we use baby wipes(as opposed to dog specific wipes which can cost four times the amount and is the same thing just a different package or we use an old rag and plain water. Yes, my wife brushes our dogs teeth and they get the occasional cow femur which gives them something to play with and helps keep their teeth healthy. These bones are safer for dogs than rawhide(as they can become lodge in the dogs digestive track0 or pork bones (as they can splinter and can cut up their digestive tracks as well).
We use the cheapest generic kitty litter for our cat because she is allergic to anything else. As often as not our cat plays with our baby's toys as store bought toys.
We keep one thing in mind: Tim The Enchanter, Naughty, Naughty Zoot, and KC aren't pets they are family.
Mostly I just keep a lookout on things that will make my dogs happier and healthier that won't cost me more money.
My dogs sleep on memory foam beds because I bought a memory foam topper for my bed in a king size (my bed is a queen and there was no price difference for the larger size) and trimmed the extra to create new orthopedic inserts for their beds.
I buy lots of bone-in meats so that I can trim the fat and cut out the bones to set aside for dog treats (go easy on the fat, dogs don't benefit anymore from a high-fat diet than humans do). You can cook this with additional foods like veggies to make it more nutritious.
For grooming, baby shampoo is literally the best you can get for your dog. It's gentle on their skin, tear-free and they smell fantastic (it's also very cheap if you go for generics). Brushing also goes a long, long way. You can save a lot on grooming costs if you learn how to cut/file their nails, clean their ears and brush them thoroughly everyday.
Vitamins, the ridiculously expensive "necessity" that pet stores love for you to buy. By all means browse these aisle, especially if you brought a pen and pad with you. Write down dosage information and ingredients for your favorite doggie vitamin. Then, head over to your local drugstore and buy the main ingredient there! Just make sure to be very careful with the dosage. When I found out the most important ingredient in healthy skin and coat vitamins was just Omega 3, I ditched my $20 bottle for a $3 bottle of fish oil "treats" from Sam's Club!
Hey,
It was totally factfull!
I loved it
I love sushi too!
At school, I'm studying about japanese and the teacher
told us to do a topic about Japan stuff.
So I chose sushi.
i'm still working on it...:)
Thanks for your info! :)
I loved it1
Carry on with the hard work!!
Keep smiling!! :) hehe!!
From Sheuk-yeeng!! Tan!! :) hehe lol
I buy my dog's dry food at Sam's (Beef and More), Frontline at Costco, and for his teeth,I give him oxtails as a once or twice weekly treat. I take him to one of the best vet's in our area. He's not just a dog to me, he's my 10 year old baby. I'd do anything humanly possible for him.
This is not really something the plan can choose to do or not do other than by amending their plan document. As Money Girl states above, the plan has to be administered per the plan document and they must stick to the vesting schedule. Not doing so could result in the plan being disqualified resulting in all employees' balances being subject to taxation, the company being fined, and basically, no 401(k) plan for the employees still at the company. I have had some plans indicate that they are laying off someone but want to go ahead and "vest" the employees. They have good intentions but vesting those employees early would mean they need to vest all employees early. To do otherwise may be found to be discriminatory by the DOL.
i am frugal in many ways (second hand furniture, thrift shopping for clothes, home cooking instead of eating out) but my dog's health and wellbeing are *not* something i am frugal with. she eats high quality food (innova) which is expensive, and we go to the best vet practice in chicago (also expensive) but when i adopted her i committed to take care of her, so those expenses are more than worth it, she is so healthy. she doesn't get store bought snacks, just bits of apple or carrot (which she loves). she is as happy with a paper grocery bag to destroy as she would be an expensive toy. mostly she needs love and attention, which are free. if you have a pet, their health is your responsibility -i think you can skimp on toys if you need to (because lets face it playing with people is the most fun anyway as far as they are concerned), but i don't think you should skimp on their well-being. there are SO many ways to be frugal in our daily lives (cutting out luxuries), adequate vet care is a *need* not a luxury, and should not be an area one skimps on. just imho
... that I have seen have been uniformly dreadful. They tend to be formulaic and don't give a sense of who this person really is. They seemed to have been prepared by people who had no clue about the requirements of the industries in which these people wanted to find work.
A number of good points. There's a few things you can change to cut your insurance premium; simple changes like increasing security. People often look around for the cheapest insurance estimates. Actually if one changed simple things to make you less risky, you would probably save just as much money.
Just to be clear: what this means is they don't owe you this money. What you're asking for is kind of a good-faith type thing. As in, "Hey, do me a solid and give me a break. You're firing me and if you want to do this the "right" way, how about helping me out with the unvested part of the 401k?
I have 2 dogs and 5 cats. Too many, but I can't say "no" when a homeless kitten stares me in the face! For the kitties, the best toy I ever got was an inexpensive laser pointer. After I go to bed, I shine the laser pointer around the room, and first there's one, then two, then three, sometimes five kitties chasing it around like maniacs!
For the dogs, I mix one large tub regular yogurt, 1 cup pnut butter, and 2 ripe bananas (without their skins of course) in the blender or food processor. Give it all a whirl, and then pour into about 18 dixie cups and freeze. My dogs love them!
I worked as a systems programmer and retired from the federal civil service after 32 years of service at 55 six years ago. I own my home and have no debt, but I NEVER owned nor wore a suit.
I think that the mother was 100 percent right for telling her young daughter about the saleswomen. I think that it is wrong to lie to your children in almost every single situation regardless if it may hurt their feelings at the time.
This reminds me of a similar incident i had when growing up. I was brought up in a christian home where we were always taught to tell the truth no matter what. Around christmas time in 1st grade my all my classmates were talking about how they couldn't wait for Santa Clause to come and give them all kinds of presents. Always the curious kid i asked my mother "Mommy, is Santa Clause real"? My mother could of been like most other mothers at my age and let me believe in the Jolly Old man in the read suite who comes down peoples chimneys and gives them presents. She chose instead however to be truthful and tell me that there was no such man and that the presents came instead from our parents and loved ones.
I fell that this was a good decision by my mother and by the mother in the story. I think that there is nothing wrong with telling children the truth even if it may hurt there feelings at the time.
You can check your own personal inflation rate at http://myinflationrate.com
No pets? You poor soul. Pets are the cheapest therapy going and much better companions than most people. You don't know what you're missing.
I base most of my budget on calculations and my personal experience. In most cases I round UP on credit card fees (which are never consistant), electrical bills, monthly fuel intake, etc. I could see how prophesizing would drive someone crazy. That recently happened with me and my banking online. Everything I bought/paid for on the weekend was always "pending" until Tuesday and I would prophesize all weekend about how much was really in the bank. Tuesday would come along and I'd be in the red (even when I kept a spending journal!). I've decided bills are paid through online banking and everything else is cash. From my experience cash is the best way to pay.
I have had the same thoughts many times. I also wondered if reading all of the personal finance blogs about how to live cheaply might be creating a financial picture that makes me have to watch every penny. Maybe a week without any PF blogs or budget checks is in order..........maybe not.
I actually groom my dog myself. I wash him with baby shampoo, and have a special set of electric razors to shear him. It is not difficult, and I think that he likes it better than going to the groomer!
I save money by giving my dog a bath at home. I also make him homdmade dog treats.
I save money on pets by not having any!! Really, quite a deal.
After China made pet food that resulted in the deaths of many pets, I began to make my own dog food. Rice, veggies and some meat, sometimes an egg. I make enough for a week at a time.
Saving money if one wants a new companion is best done at a shelter or rescue. Pet stores will definitely lie about where their puppies come from! If you do get the honest information, usually at least in this state it has to be posted near the cage, google it and you'll find its usually a "puppy mill" where the mothers live out short hopeless lives-the puppies usually have a multitude of health problems that will need to be taken care of and expensive! Perhaps congenital (interbred and mental problems too) I got my 1st puppy ever too years ago, parents were both there and having to deal with house training, chewed up things- and peed on rugs, never again! My other dog came from a shelter, she was house trained, spayed, had all her shots and was micro chipped and no one could have a sweeter dog (she helped me train the puppy!)
She is a beautiful dog and people ask me what her breed is, they want one! She was removed from a house after being starved and tied out, she had bald marks around her neck, was skin and bones- now she is the sweetest thing, no long term, except she licks everyone and everything in sight (even my dashboard) and sings when I get home, she is so happy! She was only 6 months when we got her- so almost a puppy but not all the puppy problems- also the "puppy" I got grew to 98 lbs...you never know what your going to get, but we love him!
a very good idea is starting a bounce house rental business the comercial bounce houses cost around 1000 depending on the model and u can rent them out for 75-100 a day in a matter of time ull make ur money back, around here at least in the warmer months its a must have for any family parties
We have two lab mixes and one old cat. We haven't changed much since the economic downturn. We give our dogs and cat really good packaged food. We exercise the dogs as often as we can and on occasion we buy treats, when there is a deal.
Our dogs love apple cores and watermelon rinds. They will eat most veg/fruits. We are careful to make sure it won't hurt them(no grapes, no onions, etc.). Our dogs also love popcorn from the hot air popper and of course what hits the floor is theirs. My wife makes organic treats for our dogs and they love them. Making our own treats cost pennies when compared to store bought treats.
While we do take our pets to the vet for regular checkups and shots we save money by having healthy pets. Whats true for humans is true for our pets, an oz. of prevention is worth a pound of cure. When appropriate, we use human otc drugs as they tend to be cheaper by 50% or more than what we can get at the vet. We also use the internet to find the best deals on flea/tick and other animal specific drugs and our vet will match the deal. Next time you need everyday meds just ask you vets office if they will match the internet price.
One way to save money on a trip to the vet is caned pumpkin. Whenever our dogs are having digestive issues like vomiting, diarrhea, or even some spotty blood in their stool(usually due to eating a pork bone). Pumpkin spoon fed to your dog really works wonders for an illness that will only last a meal or two. A bland diet of cooked mushy rice in combination with the pumpkin works wonders. Yes, we do spoon feed our dogs when they are sick. Everyone feels better when they are babied a little.
As for grooming we use natural soaps for ourselves and since its safe for us we use it on them. For spot cleaning we use baby wipes(as opposed to dog specific wipes which can cost four times the amount and is the same thing just a different package or we use an old rag and plain water. Yes, my wife brushes our dogs teeth and they get the occasional cow femur which gives them something to play with and helps keep their teeth healthy. These bones are safer for dogs than rawhide(as they can become lodge in the dogs digestive track0 or pork bones (as they can splinter and can cut up their digestive tracks as well).
We use the cheapest generic kitty litter for our cat because she is allergic to anything else. As often as not our cat plays with our baby's toys as store bought toys.
We keep one thing in mind: Tim The Enchanter, Naughty, Naughty Zoot, and KC aren't pets they are family.
Mostly I just keep a lookout on things that will make my dogs happier and healthier that won't cost me more money.
My dogs sleep on memory foam beds because I bought a memory foam topper for my bed in a king size (my bed is a queen and there was no price difference for the larger size) and trimmed the extra to create new orthopedic inserts for their beds.
I buy lots of bone-in meats so that I can trim the fat and cut out the bones to set aside for dog treats (go easy on the fat, dogs don't benefit anymore from a high-fat diet than humans do). You can cook this with additional foods like veggies to make it more nutritious.
For grooming, baby shampoo is literally the best you can get for your dog. It's gentle on their skin, tear-free and they smell fantastic (it's also very cheap if you go for generics). Brushing also goes a long, long way. You can save a lot on grooming costs if you learn how to cut/file their nails, clean their ears and brush them thoroughly everyday.
Vitamins, the ridiculously expensive "necessity" that pet stores love for you to buy. By all means browse these aisle, especially if you brought a pen and pad with you. Write down dosage information and ingredients for your favorite doggie vitamin. Then, head over to your local drugstore and buy the main ingredient there! Just make sure to be very careful with the dosage. When I found out the most important ingredient in healthy skin and coat vitamins was just Omega 3, I ditched my $20 bottle for a $3 bottle of fish oil "treats" from Sam's Club!
My dogs have always eaten cheapo food. The way that I'm treating them is that I'm spending a lot more time with them now. Unemployment will do that.
Hey,
It was totally factfull!
I loved it
I love sushi too!
At school, I'm studying about japanese and the teacher
told us to do a topic about Japan stuff.
So I chose sushi.
i'm still working on it...:)
Thanks for your info! :)
I loved it1
Carry on with the hard work!!
Keep smiling!! :) hehe!!
From Sheuk-yeeng!! Tan!! :) hehe lol
I buy my dog's dry food at Sam's (Beef and More), Frontline at Costco, and for his teeth,I give him oxtails as a once or twice weekly treat. I take him to one of the best vet's in our area. He's not just a dog to me, he's my 10 year old baby. I'd do anything humanly possible for him.
I have found Amazon is the cheapest for flea treatments such as Frontline. We also buy glucosamine at Costco.
He goes to a vet that handles a lot of farm animals and she is pretty reasonable. Food is not that large of an expense. Doggie bones buy them on sale.
This is not really something the plan can choose to do or not do other than by amending their plan document. As Money Girl states above, the plan has to be administered per the plan document and they must stick to the vesting schedule. Not doing so could result in the plan being disqualified resulting in all employees' balances being subject to taxation, the company being fined, and basically, no 401(k) plan for the employees still at the company. I have had some plans indicate that they are laying off someone but want to go ahead and "vest" the employees. They have good intentions but vesting those employees early would mean they need to vest all employees early. To do otherwise may be found to be discriminatory by the DOL.
i am frugal in many ways (second hand furniture, thrift shopping for clothes, home cooking instead of eating out) but my dog's health and wellbeing are *not* something i am frugal with. she eats high quality food (innova) which is expensive, and we go to the best vet practice in chicago (also expensive) but when i adopted her i committed to take care of her, so those expenses are more than worth it, she is so healthy. she doesn't get store bought snacks, just bits of apple or carrot (which she loves). she is as happy with a paper grocery bag to destroy as she would be an expensive toy. mostly she needs love and attention, which are free. if you have a pet, their health is your responsibility -i think you can skimp on toys if you need to (because lets face it playing with people is the most fun anyway as far as they are concerned), but i don't think you should skimp on their well-being. there are SO many ways to be frugal in our daily lives (cutting out luxuries), adequate vet care is a *need* not a luxury, and should not be an area one skimps on. just imho
... that I have seen have been uniformly dreadful. They tend to be formulaic and don't give a sense of who this person really is. They seemed to have been prepared by people who had no clue about the requirements of the industries in which these people wanted to find work.
A number of good points. There's a few things you can change to cut your insurance premium; simple changes like increasing security. People often look around for the cheapest insurance estimates. Actually if one changed simple things to make you less risky, you would probably save just as much money.
Just to be clear: what this means is they don't owe you this money. What you're asking for is kind of a good-faith type thing. As in, "Hey, do me a solid and give me a break. You're firing me and if you want to do this the "right" way, how about helping me out with the unvested part of the 401k?
I'd rather that than "resume help"
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I have 2 dogs and 5 cats. Too many, but I can't say "no" when a homeless kitten stares me in the face! For the kitties, the best toy I ever got was an inexpensive laser pointer. After I go to bed, I shine the laser pointer around the room, and first there's one, then two, then three, sometimes five kitties chasing it around like maniacs!
For the dogs, I mix one large tub regular yogurt, 1 cup pnut butter, and 2 ripe bananas (without their skins of course) in the blender or food processor. Give it all a whirl, and then pour into about 18 dixie cups and freeze. My dogs love them!