I have looked on craigslist before too but never found a legit, good job to apply for. You said you did so before, do you have any additional tips for finding someting as you had done?
I really wish I could go back & tell myself in college to not take out those loans. Wonder if the people in those college offices get a kick back or something on the loans… or do they just have no concept of reality & finances?
Colleges need students to bring in money -- people who don't enroll don't contribute any tuition, fees (bigger than you think!), room and board, etc to the operation. People in "those offices" are there to get students enrolled and keep them enrolled. There is NO personal or institutional incentive to discourage students from enrolling and/or borrowing. Some people might be better off working more, enrolling for fewer hours, and borrowing (much) less. People in "those offices" are NOT financial advisors - they are "selling" education.
Can you use real sand instead of play sand? Just a thought i'd like to show my boyfriends neices how to do it. Maybe it could bring us closer if i'm doing something fun with them.
1. Though Philip and I discussed moving your IRA to a fund family, for those of you who may just be investing with a discount broker, their customer service can do this for you just as easily.(I say discount broker as I assume anyone interested in a blog like this would not be using a full service broker!)
2. Another benefit to rolling over is it gives you the opportunity to get and, and hopefully sell, the company stock that you may have accumulated as part of a company matching program.(For those of you who may be buying company stock in a 401k your own contribution, seriously reconsider getting those eggs out of that basket. Picure you worked at Bear Stearns and did that...you'd be facing probable layoff with Bearn Stearn stock funding your retirement...)
3. Philips sage advice applies to 403b accounts as well, for those of you who work for hospitals or schools.
If you screw up the details of the rollover, you can cost yourself a lot in unnecessary taxes.
The fact is, though, it's not so hard to get this right--the fact that it can be screwed up is no reason to leave your money where it is. As Scott says, the customer service people at the fund you're moving to can give you all the details that you need to know to get it right.
The 401k has to be rolled DIRECTLY into your IRA, otherwise you can be subject to penalties if you have it cashed in or transfered to you, outside of your IRA. The easiest way to make sure you don't screw this up is to contact the fund family you are moving it to and say "do this for me". They'll send you a form to make this happen.
It's always been possible for people who aren't especially smart to be successful. Being smart was an advantage for lots of other things, but for being successful (in the sense of being able to provide for a family), it was much less important than many other characteristics. It's just been in the last few decades that being smart became such a leg up in general.
Of course, the expression really begs the question: Is becoming rich really your goal? Everybody wants to support their family in comfort, but once you accomplish that, going on to become wealthy may not be the most important thing you could be doing.
I run a shopping magazine relating to coupons and deals, where anyone can suggest coupons. I would invite everybody to be a part of our community, and for obvious reason thanks for the information and in particular thanks to Guest comments on March 21, 2008 - 20:32, where the analysis worth reading.
I still think it's possible for people who aren't all that smart to be successful.
I barely graduated high school, don't have a college degree, and yet by simply taking action on what I have learned I have done very well.
There are plenty of not so smart (to put it nicely!) people who have achieved great success (and there will continue to be more) simply by gaining enough knowledge about something such as real estate or business - and then acting on it.
Too many smart people are broke because they spend the majority of their time learning, but not enough time doing.
Currently in my situation I'm trying to do a little of both until my entrepreneurial endeavors take off. I'm currently working a decent paying day job and working my business in my spare time. By combining the two options, I hopefully mitigate some of the risk of entrepreneurship while possibly decreasing my wealth timeline.
The problem is that it takes up the majority of my days, every day.
You know what?? I don't need any of those to get myself to work. Everyday..5 days a week. I don't need milk..to buy milk liquid Tide does not help me pay my income tax. Gas is not cheap!!!!
Great post! I have gotten those in the mail for my 401k and ROTH IRAs and wondered how to read them. I filed them from last year, but now I'll have to go back and look them over! Thanks again!
Our home was recently destroyed in a fire and we suffered a complete loss. No one can really comprehend how much everything you have ever owned actually costs. Making an inventory and adding those numbers up to ensure that you are properly insured is critical. We use the photo method described to get photos of serial numbers, etc. You won't remember the title of every book on your bookshelf, or what brand of coffee maker you owned during a stressful situation. Having it all photographed does the "remembering" for you. I have since bought a portable hard-drive to back my computer up to, and "in case of fire" I just have to grab this one tiny box (and my cat). We lost all important papers (social security cards, passports, tax returns, receipts, etc.) not to mention photos, credit/debit cards, etc. Get a fire AND water-proof safe to put these items in. When there is a fire there is also a flood (the fire department floods your house with water) so plan for both happening at the same time - what isn't burned will be flooded. Keep lists of pharmacy phone numbers (you'll need to replace your daily meds right away), utility phone numbers, and other important information (no one actually remembers their insurance policy number) in your Gmail or with a friend/family member. Other important phone numbers to note that you'll have to contact fairly quickly: your child's (or your) school, your boss, your insurance agent, your health insurance company, a local vet and/or boarding facility, a local hotel, your bank. It seems harsh to think of these things, but you will be very grateful if you suffer such a loss. Hopefully with a little preparation you can get back on your feet again as quickly (and painlessly) as possible.
As the economy changes, industries come and go. Therefore you cannot always do what you love for a living. My brother loves to build houses... but he don't be doing that anymore ... because he needs to support his family.
Different things work for different people. But, the best thing to do is stay on top of that is going on. Rich Dad, Poor Dad author Robert Kiyosaki, has a new book called Financial IQ. The idea is that the economy is in constant change, and you have to read constantly to realize is 1) or 2) or both the best way for you to get ahead - with your current economic situation.
Reading is perhaps the foundation to building wealth. Donold Trump reads constantly (2 books a week), just to keep up with his financial planning.
Different things work for different people. Rich Dad, Poor Dad author Robert Kiyosaki would probably say that weakeconomist's Dad reminds him of his "Poor Dad" but what does he know?
Most probably need a combo of good income and frugality to get rich but some have such good income, they'll never need to become frugal and some are so frugal they may never need to make much money in order to live happily.
The millionaire next door is a great book, however many of the people those authors worked with over the years were self made entrepreneurs. That doesn't kill the argument, just being an entrepreneur forces you to learn the frugal lifestyle "next door" talks about
The truth is, just find something you love to do. If you love your work, you'll likely never retire because you don't want to. Money will no longer be the reason you work. Look at Warren Buffet, or just my own dad. He's a professor and could retire now. He won't because its his life's work and he'll never be "finished" with it.
If you own stock in a corporation and only look at the annual reports, you're committing investment sin #1. Don't buy something you don't understand. Learn how to break down a cash flow statement and the statement of earnings. Balance sheets are important, just remember they are a moment in time statement. Not a summary.
I concur with comment number one, learn how to compare statements with their closest competition. All the ratios are meaningless without a basis of comparison.
Hello,
That was a great article, thanks! However, would you clarify something? Where do you find the "telecommute" option on Craigslist? And is it only for certain larger cities?
Paypal 'regretted' to help me, too, when I had a dispute. The seller claimed he had been 'hacked' and lost all his transactions, etc. But Paypal - and ebay - postured themselves as safety members, as well as the supposed 'safe harbor' section of ebay.
Nope.
Now, I buy with money orders. It takes longer, it's inconvenient, but I'm safe.
Well some a-hole smaked their car door into mine.....sob! I cant tell you how pissed I am.....anyway,a hairdryer you say.......did anybody even think about a heat gun???.....borrowin one tomorrow to try
Well some asshole smaked their car door into mine.....sob! I cant tell you how pissed I am.....anyway,a hairdryer you say.......did anybody even think about a heat gun???.....borrowin one tomorrow to try
I have looked on craigslist before too but never found a legit, good job to apply for. You said you did so before, do you have any additional tips for finding someting as you had done?
Thanks so much!
Brian
I really wish I could go back & tell myself in college to not take out those loans. Wonder if the people in those college offices get a kick back or something on the loans… or do they just have no concept of reality & finances?
Colleges need students to bring in money -- people who don't enroll don't contribute any tuition, fees (bigger than you think!), room and board, etc to the operation. People in "those offices" are there to get students enrolled and keep them enrolled. There is NO personal or institutional incentive to discourage students from enrolling and/or borrowing. Some people might be better off working more, enrolling for fewer hours, and borrowing (much) less. People in "those offices" are NOT financial advisors - they are "selling" education.
Can you use real sand instead of play sand? Just a thought i'd like to show my boyfriends neices how to do it. Maybe it could bring us closer if i'm doing something fun with them.
roughly what is the proof of the final product? thanks
1. Though Philip and I discussed moving your IRA to a fund family, for those of you who may just be investing with a discount broker, their customer service can do this for you just as easily.(I say discount broker as I assume anyone interested in a blog like this would not be using a full service broker!)
2. Another benefit to rolling over is it gives you the opportunity to get and, and hopefully sell, the company stock that you may have accumulated as part of a company matching program.(For those of you who may be buying company stock in a 401k your own contribution, seriously reconsider getting those eggs out of that basket. Picure you worked at Bear Stearns and did that...you'd be facing probable layoff with Bearn Stearn stock funding your retirement...)
3. Philips sage advice applies to 403b accounts as well, for those of you who work for hospitals or schools.
If you screw up the details of the rollover, you can cost yourself a lot in unnecessary taxes.
The fact is, though, it's not so hard to get this right--the fact that it can be screwed up is no reason to leave your money where it is. As Scott says, the customer service people at the fund you're moving to can give you all the details that you need to know to get it right.
The 401k has to be rolled DIRECTLY into your IRA, otherwise you can be subject to penalties if you have it cashed in or transfered to you, outside of your IRA. The easiest way to make sure you don't screw this up is to contact the fund family you are moving it to and say "do this for me". They'll send you a form to make this happen.
It's always been possible for people who aren't especially smart to be successful. Being smart was an advantage for lots of other things, but for being successful (in the sense of being able to provide for a family), it was much less important than many other characteristics. It's just been in the last few decades that being smart became such a leg up in general.
Of course, the expression really begs the question: Is becoming rich really your goal? Everybody wants to support their family in comfort, but once you accomplish that, going on to become wealthy may not be the most important thing you could be doing.
I run a shopping magazine relating to coupons and deals, where anyone can suggest coupons. I would invite everybody to be a part of our community, and for obvious reason thanks for the information and in particular thanks to Guest comments on March 21, 2008 - 20:32, where the analysis worth reading.
Good points.
I still think it's possible for people who aren't all that smart to be successful.
I barely graduated high school, don't have a college degree, and yet by simply taking action on what I have learned I have done very well.
There are plenty of not so smart (to put it nicely!) people who have achieved great success (and there will continue to be more) simply by gaining enough knowledge about something such as real estate or business - and then acting on it.
Too many smart people are broke because they spend the majority of their time learning, but not enough time doing.
Currently in my situation I'm trying to do a little of both until my entrepreneurial endeavors take off. I'm currently working a decent paying day job and working my business in my spare time. By combining the two options, I hopefully mitigate some of the risk of entrepreneurship while possibly decreasing my wealth timeline.
The problem is that it takes up the majority of my days, every day.
You know what?? I don't need any of those to get myself to work. Everyday..5 days a week. I don't need milk..to buy milk liquid Tide does not help me pay my income tax. Gas is not cheap!!!!
Great post! I have gotten those in the mail for my 401k and ROTH IRAs and wondered how to read them. I filed them from last year, but now I'll have to go back and look them over! Thanks again!
Our home was recently destroyed in a fire and we suffered a complete loss. No one can really comprehend how much everything you have ever owned actually costs. Making an inventory and adding those numbers up to ensure that you are properly insured is critical. We use the photo method described to get photos of serial numbers, etc. You won't remember the title of every book on your bookshelf, or what brand of coffee maker you owned during a stressful situation. Having it all photographed does the "remembering" for you. I have since bought a portable hard-drive to back my computer up to, and "in case of fire" I just have to grab this one tiny box (and my cat). We lost all important papers (social security cards, passports, tax returns, receipts, etc.) not to mention photos, credit/debit cards, etc. Get a fire AND water-proof safe to put these items in. When there is a fire there is also a flood (the fire department floods your house with water) so plan for both happening at the same time - what isn't burned will be flooded. Keep lists of pharmacy phone numbers (you'll need to replace your daily meds right away), utility phone numbers, and other important information (no one actually remembers their insurance policy number) in your Gmail or with a friend/family member. Other important phone numbers to note that you'll have to contact fairly quickly: your child's (or your) school, your boss, your insurance agent, your health insurance company, a local vet and/or boarding facility, a local hotel, your bank. It seems harsh to think of these things, but you will be very grateful if you suffer such a loss. Hopefully with a little preparation you can get back on your feet again as quickly (and painlessly) as possible.
whiners - get a job, work hard, save some money and stop complaining about people who do better than you
Is the egg a substitute for the banana? I'm not a fan of bananas mixed in with other foods, but I really like the idea of it being a flourless cookie.
As the economy changes, industries come and go. Therefore you cannot always do what you love for a living. My brother loves to build houses... but he don't be doing that anymore ... because he needs to support his family.
Different things work for different people. But, the best thing to do is stay on top of that is going on. Rich Dad, Poor Dad author Robert Kiyosaki, has a new book called Financial IQ. The idea is that the economy is in constant change, and you have to read constantly to realize is 1) or 2) or both the best way for you to get ahead - with your current economic situation.
Reading is perhaps the foundation to building wealth. Donold Trump reads constantly (2 books a week), just to keep up with his financial planning.
Different things work for different people. Rich Dad, Poor Dad author Robert Kiyosaki would probably say that weakeconomist's Dad reminds him of his "Poor Dad" but what does he know?
Most probably need a combo of good income and frugality to get rich but some have such good income, they'll never need to become frugal and some are so frugal they may never need to make much money in order to live happily.
Philip, I love your name.
The millionaire next door is a great book, however many of the people those authors worked with over the years were self made entrepreneurs. That doesn't kill the argument, just being an entrepreneur forces you to learn the frugal lifestyle "next door" talks about
The truth is, just find something you love to do. If you love your work, you'll likely never retire because you don't want to. Money will no longer be the reason you work. Look at Warren Buffet, or just my own dad. He's a professor and could retire now. He won't because its his life's work and he'll never be "finished" with it.
If you own stock in a corporation and only look at the annual reports, you're committing investment sin #1. Don't buy something you don't understand. Learn how to break down a cash flow statement and the statement of earnings. Balance sheets are important, just remember they are a moment in time statement. Not a summary.
I concur with comment number one, learn how to compare statements with their closest competition. All the ratios are meaningless without a basis of comparison.
Hello,
That was a great article, thanks! However, would you clarify something? Where do you find the "telecommute" option on Craigslist? And is it only for certain larger cities?
thanks,
Monica
Thanks for the tips! I, too, love using the coupon codes, and I'm excited to see extra codes that include free shipping!
Paypal 'regretted' to help me, too, when I had a dispute. The seller claimed he had been 'hacked' and lost all his transactions, etc. But Paypal - and ebay - postured themselves as safety members, as well as the supposed 'safe harbor' section of ebay.
Nope.
Now, I buy with money orders. It takes longer, it's inconvenient, but I'm safe.
Well some a-hole smaked their car door into mine.....sob! I cant tell you how pissed I am.....anyway,a hairdryer you say.......did anybody even think about a heat gun???.....borrowin one tomorrow to try
Well some asshole smaked their car door into mine.....sob! I cant tell you how pissed I am.....anyway,a hairdryer you say.......did anybody even think about a heat gun???.....borrowin one tomorrow to try