Hello, great article! You mentioned that people from China are saving a lot of money. (30 to 60%) Can you tell me what are they saving for? Are they saving for retirement, bigger purchases, etc.? If they are saving for retirement, do they invest their savings for appreciation, do they use savings accounts at a bank or do they keep their savings at home? And is there a difference between the young generation and the older generation in how they grow their savings? (investments, working harder?) thank you for your response. Matt
Please don't use baking soda on a regular basis on your teeth. Although the granules seem very fine, they are actually harsh to the teeth & gums when used too often.
Opt for tooth powders if you don't want to use toothpaste. You only need a pea size amount of tooth paste (think wasabi coated pea) for anyone above the age of 12, and half pea for ages 4-11, a smear or the size of a rice for anyone below.
Baking soda as toothpaste is also not good for folks watching their sodium levels.
I'd recommend baking soda 2 times per month max, for teeth. Your local RDH
Citi will not waive your annual fee if you open their account after joining military. It only applies to people who had Citibank account before joining the military, however AMEX offer waiver no matter what as long as you are Active-duty member.
P.s. Based on my experience :)
As recently as two years ago Fidelity refused to allow me to open a custodial IRA for my daughter. They acknowledged such an account's validity, but insisted it was their policy to not offer them. I was very surprised to see your article citing them as an option.
Hi there! I also live in Mexico and using barley is not necessary! I use brown rice instead and my German Shepard loves it! If you can't find brown rice you can substitute half white rice and half oatmeal. I use a standard bag of rice or half a bag of rice and the same amount of oatmeal.
Good luck!
dear Paul,
I would like to encourage you to expand your research beyond the FDA - federal death administration, an agency that is currently lobbying to keep GMO's from being labeled on our foods - a subject you didn't touch on. And, any brand of ultra pasteurized milk is an essentially "dead" liquid bereft of any nutritional benefit whatsoever - even if organic, it's not healthier, but serves only to improve profits for manufacturers and merchants from extended shelf life of products. Hidden GMO's in our foods are causing severe health issues with unsuspecting public and people need to know the truth about GMO's, and other impacts to health from pesticides and herbicides. Thank you for starting to help people begin to sort out truth from deception and understand what's in our foods. Keep researching (beyond the FDA BS) and keep reaching out to keep us informed on what we're taking in to our bodies
To help keep summer gatherings budget friendly, we usually ask everyone to bring something to share. Helps cut down the cost, and we can all still get together on a budget and enjoy each others company!
When guests ask what can they bring, ask for a side or dessert. You can make a pitcher of a signature drink, so you only have to buy one kind of alcohol instead of full bar.
What you say is true overall. It makes no sense at all to take on debt although some people have no choice. Be glad you're not one of them.
It DOES make sense to use credit cards to pay for as much as possible IF you can afford to pay off the balance each month. In that scenario, I (for example) make about $500 or more each year in cash back points.
So, yes--do you best not to take on debt. But DO use credit cards if you can pay off the balance each month...and earn money doing it.
I have to say that personally despite remembering certain positive experiences rather than things with close ones at the time they can also backfire in a way as some of them are tied to trauma of suffering an unclear, unexpected friendship later.
Dining out with friends above is listed? Now, isn't it a different matter or hamper on happiness if one spends a good bit of money treating a friend to dinner, but unfortunately loses that friend later through unclear breakup or even death? Also, wouldn't it drag down happiness if one has a memory of best hike or trip ever with a close friend, lover or family member, but after sometime that person separated, broke up or betrayed at worst?
Personally, my lifetime trips abroad to places in native India, Nepal, 6 countries in Europe, Canada, local hikes and silent Vipassana meditation retreats along with experiences at a yoga center have brought such joy with fullest positive memories.
What do you all say to what I have mentioned? Thanks!
Keurig is atrocious... mr. coffee pods somewhat less atrocious... and the coffee isn't even half good.
Carry has it right: get a cone-filter pour-over (or an aeropress), then put your money into a hopper-fed burr grinder (Capresso Infinity ... $89 at amazon for example.)
Burr grinding whole beans by the cup is by FAR the best thing you can do for general coffee quality. A hopper-fed grinder makes it easy. After that, just boil some water in the microwave in a pyrex cup, add a splash of cold water to cool it below a boil, then either pour-over or Aeropress.
Neither solution is quite as easy, but both ARE easy, and you won't believe how much better your coffee tastes. Seriously, it's going to blow your frikkin mind.
I am 27 and live with my boyfriend of 4 years. We currently rent at a little over 30% of our combined monthly income. I finished paying off my student loan debt about 2 years ago, but both my boyfriend and I have about 6k each in additional debt. By the way this is in San Diego, CA; in the top 10 most expensive cities to live in the nation. After doing lots of calculations, which included paying off debt, paying expenses, and contributing to my retirement account, I came to the conclusion that I need to save about $800 a month in order to afford a median down payment in San Diego in 7 years. That is 27% of my (only me, not boyfriend) monthly income, and that is after spending 30% on rent and contributing to my retirement account. Ultimately, at my current income, it means I have about $100 dollars to spend a week, which includes ALL expenses outside of rent, bills, and payments. So $100 a week to spend on gas, food, medical expenses that come up, any emergencies or travel, and leisure (which does not exist for us).
Realistically, it will take me 15-23 years to save for a median down payment at my current income. so I can be a home owner by 40, sweet!
I guess mobile technology will be essential to financial sustainability. Apps like Goodbudget, Concur, Xpenditure have been really useful for me. You could check the article about different expense managing apps on 212 Tax recently.
Special order cakes? When I went to pick it up, it looked like an amateur did it (segmented circles, uncentered lettering, diamonds on a cake when I said specifically NO DIAMONDS on the anniversary cake. they put two) . they said it would take hours to fix and offered me a refund at that point. But then, I changed my mind (30 min later) because they were so rude. (She was telling me how much money this is costing her). How can I get a refund?
My husband and I are doing the same thing. Divorce for financial reasons. We are no longer (legally) husband and wife on paper, but are in a loving and committed partnership. After the Obama Care disaster went down, my husband was no longer able to get medical insurance we could afford. It was at least $500 per month and covered nothing before the $5000 deductible was met. Due to the fact that the government refuses to make the bloodsucking insurance companies actually cover anything, we were forced to divorce so my husband could be treated for his many health problems. We did no lie when we were divorcing, we had irreconcilable differences. Neither of us could reconcile over that fact that we had to choose between healthcare and eating.
I host a potluck.
Hello, great article! You mentioned that people from China are saving a lot of money. (30 to 60%) Can you tell me what are they saving for? Are they saving for retirement, bigger purchases, etc.? If they are saving for retirement, do they invest their savings for appreciation, do they use savings accounts at a bank or do they keep their savings at home? And is there a difference between the young generation and the older generation in how they grow their savings? (investments, working harder?) thank you for your response. Matt
Please don't use baking soda on a regular basis on your teeth. Although the granules seem very fine, they are actually harsh to the teeth & gums when used too often.
Opt for tooth powders if you don't want to use toothpaste. You only need a pea size amount of tooth paste (think wasabi coated pea) for anyone above the age of 12, and half pea for ages 4-11, a smear or the size of a rice for anyone below.
Baking soda as toothpaste is also not good for folks watching their sodium levels.
I'd recommend baking soda 2 times per month max, for teeth. Your local RDH
Citi will not waive your annual fee if you open their account after joining military. It only applies to people who had Citibank account before joining the military, however AMEX offer waiver no matter what as long as you are Active-duty member.
P.s. Based on my experience :)
Potlucks! Or at a minimum BYOB.
Board games and munchies!
As recently as two years ago Fidelity refused to allow me to open a custodial IRA for my daughter. They acknowledged such an account's validity, but insisted it was their policy to not offer them. I was very surprised to see your article citing them as an option.
Ask people to pitch in and bring things or I cook something that's on sale and affordable, like chicken wings and potato salad.
We live on a boat so parties are small and casual. Usually one couple supplies food, the other provides alcohol.
And when you're enjoying a cockpit under the stars, what more do you need?
Hi there! I also live in Mexico and using barley is not necessary! I use brown rice instead and my German Shepard loves it! If you can't find brown rice you can substitute half white rice and half oatmeal. I use a standard bag of rice or half a bag of rice and the same amount of oatmeal.
Good luck!
dear Paul,
I would like to encourage you to expand your research beyond the FDA - federal death administration, an agency that is currently lobbying to keep GMO's from being labeled on our foods - a subject you didn't touch on. And, any brand of ultra pasteurized milk is an essentially "dead" liquid bereft of any nutritional benefit whatsoever - even if organic, it's not healthier, but serves only to improve profits for manufacturers and merchants from extended shelf life of products. Hidden GMO's in our foods are causing severe health issues with unsuspecting public and people need to know the truth about GMO's, and other impacts to health from pesticides and herbicides. Thank you for starting to help people begin to sort out truth from deception and understand what's in our foods. Keep researching (beyond the FDA BS) and keep reaching out to keep us informed on what we're taking in to our bodies
It doesn't work!!!
To help keep summer gatherings budget friendly, we usually ask everyone to bring something to share. Helps cut down the cost, and we can all still get together on a budget and enjoy each others company!
pot luck... doesn't matter if everyone just brings chips, it's more about being with friends than what food is brought.
When guests ask what can they bring, ask for a side or dessert. You can make a pitcher of a signature drink, so you only have to buy one kind of alcohol instead of full bar.
What you say is true overall. It makes no sense at all to take on debt although some people have no choice. Be glad you're not one of them.
It DOES make sense to use credit cards to pay for as much as possible IF you can afford to pay off the balance each month. In that scenario, I (for example) make about $500 or more each year in cash back points.
So, yes--do you best not to take on debt. But DO use credit cards if you can pay off the balance each month...and earn money doing it.
I have to say that personally despite remembering certain positive experiences rather than things with close ones at the time they can also backfire in a way as some of them are tied to trauma of suffering an unclear, unexpected friendship later.
Dining out with friends above is listed? Now, isn't it a different matter or hamper on happiness if one spends a good bit of money treating a friend to dinner, but unfortunately loses that friend later through unclear breakup or even death? Also, wouldn't it drag down happiness if one has a memory of best hike or trip ever with a close friend, lover or family member, but after sometime that person separated, broke up or betrayed at worst?
Personally, my lifetime trips abroad to places in native India, Nepal, 6 countries in Europe, Canada, local hikes and silent Vipassana meditation retreats along with experiences at a yoga center have brought such joy with fullest positive memories.
What do you all say to what I have mentioned? Thanks!
good article. However:
Keurig is atrocious... mr. coffee pods somewhat less atrocious... and the coffee isn't even half good.
Carry has it right: get a cone-filter pour-over (or an aeropress), then put your money into a hopper-fed burr grinder (Capresso Infinity ... $89 at amazon for example.)
Burr grinding whole beans by the cup is by FAR the best thing you can do for general coffee quality. A hopper-fed grinder makes it easy. After that, just boil some water in the microwave in a pyrex cup, add a splash of cold water to cool it below a boil, then either pour-over or Aeropress.
Neither solution is quite as easy, but both ARE easy, and you won't believe how much better your coffee tastes. Seriously, it's going to blow your frikkin mind.
Hi Eric, thank you for the app tips. Are the apps that you mentioned available for Android devices?
I am 27 and live with my boyfriend of 4 years. We currently rent at a little over 30% of our combined monthly income. I finished paying off my student loan debt about 2 years ago, but both my boyfriend and I have about 6k each in additional debt. By the way this is in San Diego, CA; in the top 10 most expensive cities to live in the nation. After doing lots of calculations, which included paying off debt, paying expenses, and contributing to my retirement account, I came to the conclusion that I need to save about $800 a month in order to afford a median down payment in San Diego in 7 years. That is 27% of my (only me, not boyfriend) monthly income, and that is after spending 30% on rent and contributing to my retirement account. Ultimately, at my current income, it means I have about $100 dollars to spend a week, which includes ALL expenses outside of rent, bills, and payments. So $100 a week to spend on gas, food, medical expenses that come up, any emergencies or travel, and leisure (which does not exist for us).
Realistically, it will take me 15-23 years to save for a median down payment at my current income. so I can be a home owner by 40, sweet!
I guess mobile technology will be essential to financial sustainability. Apps like Goodbudget, Concur, Xpenditure have been really useful for me. You could check the article about different expense managing apps on 212 Tax recently.
Special order cakes? When I went to pick it up, it looked like an amateur did it (segmented circles, uncentered lettering, diamonds on a cake when I said specifically NO DIAMONDS on the anniversary cake. they put two) . they said it would take hours to fix and offered me a refund at that point. But then, I changed my mind (30 min later) because they were so rude. (She was telling me how much money this is costing her). How can I get a refund?
Doing your own business is the highway to independence just drive carefully
My husband and I are doing the same thing. Divorce for financial reasons. We are no longer (legally) husband and wife on paper, but are in a loving and committed partnership. After the Obama Care disaster went down, my husband was no longer able to get medical insurance we could afford. It was at least $500 per month and covered nothing before the $5000 deductible was met. Due to the fact that the government refuses to make the bloodsucking insurance companies actually cover anything, we were forced to divorce so my husband could be treated for his many health problems. We did no lie when we were divorcing, we had irreconcilable differences. Neither of us could reconcile over that fact that we had to choose between healthcare and eating.
I am interested in making famous quotes
Quotes express the thoughts and ideals of what we're saying
A body in motion stays in motion !!