Books!? around here theres the habatat, the goodwill, and a store of old books. Habitat and goodwill have an entire corner of there space for books that are on shelves that are about 7 ft high. the old used book store is unbelievably stocked with old books. all of the walls are covered with shelves of books. roll after roll after roll of racks, all full of books. Smelly, dusty books. I got to thinking, what good would it do to donate more books to these places? I even wonder how that old used book store stays in business since the books sell for .50 cents. I was thinking of just throwing them into the recycle bin and let the weekly garbage pick-up service pick them up. I heard they have people go through the recycle stuff.
I have to say that is an excellent list. I ve been in the process of decluttering for the past two years, at least. There's so much old stuff been laying around here for decades that I give up most of the time. It's too confusing and I just dont want to be aggravated with it. Mom is 94 and is totally crippled with arthritis and has alzheimers. She has tons of clothes, shoes, make-up, and cheap jewelry. Also, there are tons of old photos. Should old photos be on this list? To me , that is another confusing issue. I ask myself, what value do these old photos have to me or anyone. I havent looked at these photos in 40 or 50 years. there are pictures of mom and dad from back in the 40's. the only value they have is a sentimental value. And so its a big dilemma.
My friend gets the hiccups almost every weekend (probably from drinking too much beer!) but it always leaves him aggravated and annoying, and they stay for at least a half of an hour. A nursing student I know said to fill a cup to the top with water and sip it off the counter with no hands and it would work EVERY time, but it doesn't! I'm going to have to keep this list around for the next time this happens to my friend- I think I'll try the tickling one first just to torture him, and possibly make them go away too. Thanks!
Thanks for the good advice, I had never thought to look for pants to make into shorts. My favorite things to look for are blazers, jackets and leather coats; I've bought three really nice leather coats over the past few months all for less than $10 each. I excited for winter to arrive so I can wear them!!
I play the lottery once in awhile, but never win. I'd like to learn blackjack and craps, which seem like they're more fun and challenging. In the end, however, all forms of gambling are guaranteed to take all of your money. The house always has the edge.
When you consider the odds, lotteries are perhaps the worst bet one can make.
Who is her target audience, poor people in the third world or middle class people from developed countries trying to get out of the 9-5 rut? People easily spend more than $17,000 in a year.
Good insight. I try very hard to educate clients (or prospective clients) that investing is not really a means to "wealth". Typically, investing allows someone to earn a reasonable rate of return on their existing wealth, and to maintain the wealth they have already accumulated through earned income or business profits.
As you indicated, other than inheritance, building a business (including investment real estate) is the primary way most wealthy American have accumulated significant wealth. Ultra-rich CEO's and professional athletes are rare (as a % of the population).
The point that should be taken is that people should build a lifestyle that is well within their means, and enjoy it to the fullest. If somewhere along the line, wealth is found, then that's just gravy!
I will buy the occasional lottery scratch ticket, and I buy one Powerball chance per drawing when it's $100 million or more. I have played slots and blackjack at casinos but haven't been in years.
Point #5 is my rule #1 in my Personal Finance Religion, which states "Never Pay Interest on Credit Card", and its many correlations (never pay bank fee, never pay late fee, etc).
I'm pretty sure my bank hates me, but I basically look at my credit card as an extension to my checking account. If I cannot cover that amount, I don't pay for it.
Oh, the only other rule I have in my religion is #2 "Never pay for parking if you can help it". This means I don't visit Oldtown Pasadena as often as they want me to.
I have an uncle who makes a very low annual salary. Although he doesn't have a wife or kids, spending his money on lottery tickets every week is just simply unreasonable. He complains when he can't come on family trips because he has to work, he always complains when he feels like he is giving less to his nieces and nephews for birthdays, he pretty much has the "the world is against me attitude", when in reality, he spends his money on lottery tickets hoping to win the big bucks rather than being smart with saving. Just like you said, it's unrealistic to hope for something without taking action in doing the smart things that will plausibly get you there.
I think the "I'll start saving when I make more money" thought is one of the most detrimental to your financial future. Like you said, instead of thinking this, these people should be saying "I make so little, that saving would be a better idea than spending it all". This will not only allow people to build up savings and get into the habit of not spending everything, but seeing a bank account grow will be incentive to keep going. Once you see those numbers going up, you'll be motivated and interested in seeing them grow even more.
The best "fail-safe" way to get rid of the hiccups. I've had Gastric Bypass, and let me tell you, you get the hiccups. Put a straw in water and while drinking it, take both hands, use your thumbs to plug your ears, and your pinky fingers to plug your nose, then drink......I kid you not! My nephew taught me that one, and people doubt me, but it works every time. He learned it from his first grade teacher. Try it. Looks funny, but when your pouch (stomach) hurts, it is SO WORTH and laughs you may get.
I do not gamble
https://twitter.com/starkeee/status/215593943134515200
Also I like you on Facebook.
No, I don't gamble. Would rather make extra money in a less risky way!
Books!? around here theres the habatat, the goodwill, and a store of old books. Habitat and goodwill have an entire corner of there space for books that are on shelves that are about 7 ft high. the old used book store is unbelievably stocked with old books. all of the walls are covered with shelves of books. roll after roll after roll of racks, all full of books. Smelly, dusty books. I got to thinking, what good would it do to donate more books to these places? I even wonder how that old used book store stays in business since the books sell for .50 cents. I was thinking of just throwing them into the recycle bin and let the weekly garbage pick-up service pick them up. I heard they have people go through the recycle stuff.
I have to say that is an excellent list. I ve been in the process of decluttering for the past two years, at least. There's so much old stuff been laying around here for decades that I give up most of the time. It's too confusing and I just dont want to be aggravated with it. Mom is 94 and is totally crippled with arthritis and has alzheimers. She has tons of clothes, shoes, make-up, and cheap jewelry. Also, there are tons of old photos. Should old photos be on this list? To me , that is another confusing issue. I ask myself, what value do these old photos have to me or anyone. I havent looked at these photos in 40 or 50 years. there are pictures of mom and dad from back in the 40's. the only value they have is a sentimental value. And so its a big dilemma.
My friend gets the hiccups almost every weekend (probably from drinking too much beer!) but it always leaves him aggravated and annoying, and they stay for at least a half of an hour. A nursing student I know said to fill a cup to the top with water and sip it off the counter with no hands and it would work EVERY time, but it doesn't! I'm going to have to keep this list around for the next time this happens to my friend- I think I'll try the tickling one first just to torture him, and possibly make them go away too. Thanks!
Thanks for the good advice, I had never thought to look for pants to make into shorts. My favorite things to look for are blazers, jackets and leather coats; I've bought three really nice leather coats over the past few months all for less than $10 each. I excited for winter to arrive so I can wear them!!
Always used http://discountengine.co.uk/ and it's the best
I play the lottery once in awhile, but never win. I'd like to learn blackjack and craps, which seem like they're more fun and challenging. In the end, however, all forms of gambling are guaranteed to take all of your money. The house always has the edge.
When you consider the odds, lotteries are perhaps the worst bet one can make.
I liked Wise Bread on Facebook.
NO, I don't gamble! I don't even gamble in the stock market! I hate the risk.
Who is her target audience, poor people in the third world or middle class people from developed countries trying to get out of the 9-5 rut? People easily spend more than $17,000 in a year.
Good insight. I try very hard to educate clients (or prospective clients) that investing is not really a means to "wealth". Typically, investing allows someone to earn a reasonable rate of return on their existing wealth, and to maintain the wealth they have already accumulated through earned income or business profits.
As you indicated, other than inheritance, building a business (including investment real estate) is the primary way most wealthy American have accumulated significant wealth. Ultra-rich CEO's and professional athletes are rare (as a % of the population).
The point that should be taken is that people should build a lifestyle that is well within their means, and enjoy it to the fullest. If somewhere along the line, wealth is found, then that's just gravy!
You are welcome!
Like you on FB.
Tweeted reply:
https://twitter.com/KelRo1/status/215477689035915266
I will buy the occasional lottery scratch ticket, and I buy one Powerball chance per drawing when it's $100 million or more. I have played slots and blackjack at casinos but haven't been in years.
Point #5 is my rule #1 in my Personal Finance Religion, which states "Never Pay Interest on Credit Card", and its many correlations (never pay bank fee, never pay late fee, etc).
I'm pretty sure my bank hates me, but I basically look at my credit card as an extension to my checking account. If I cannot cover that amount, I don't pay for it.
Oh, the only other rule I have in my religion is #2 "Never pay for parking if you can help it". This means I don't visit Oldtown Pasadena as often as they want me to.
I have an uncle who makes a very low annual salary. Although he doesn't have a wife or kids, spending his money on lottery tickets every week is just simply unreasonable. He complains when he can't come on family trips because he has to work, he always complains when he feels like he is giving less to his nieces and nephews for birthdays, he pretty much has the "the world is against me attitude", when in reality, he spends his money on lottery tickets hoping to win the big bucks rather than being smart with saving. Just like you said, it's unrealistic to hope for something without taking action in doing the smart things that will plausibly get you there.
I have some thoughts on this, but now I'm not so sure they're real either ...
I agree. Those are great suggestions anyone can work towards.
I think the "I'll start saving when I make more money" thought is one of the most detrimental to your financial future. Like you said, instead of thinking this, these people should be saying "I make so little, that saving would be a better idea than spending it all". This will not only allow people to build up savings and get into the habit of not spending everything, but seeing a bank account grow will be incentive to keep going. Once you see those numbers going up, you'll be motivated and interested in seeing them grow even more.
Here are some other ways that work for me:
- Hold your breath for as long as you can.
- Breathe inside a paper/plastic bag.
- Drink a glass of water.
The best "fail-safe" way to get rid of the hiccups. I've had Gastric Bypass, and let me tell you, you get the hiccups. Put a straw in water and while drinking it, take both hands, use your thumbs to plug your ears, and your pinky fingers to plug your nose, then drink......I kid you not! My nephew taught me that one, and people doubt me, but it works every time. He learned it from his first grade teacher. Try it. Looks funny, but when your pouch (stomach) hurts, it is SO WORTH and laughs you may get.