This information would be so useful for those young college students these companies love to go after. Bypass the identity theft coverage or missed payment insurance and put that extra money towards getting rid of your balance!!
Suze Orman's card is not a bad prepaid card, but it is nothing more than that either. It is not even the best prepaid card out there, as that distinction belongs to American Express' prepaid card, which comes with no monthly fees at all.
But what really bothers me is that Orman advertises her card almost like the solution to all of your financial problems, provided "you use it how I tell you to." The thing is, if the "unbanked," who constitute the vast majority of prepaid users, were always doing what they were told with their finances, they would never have been cut off of the banking system and come to rely on prepaid cards in the first place. http://blog.unibulmerchantservices.com/why-suze-ormans-prepaid-card-is-a-non-event
Beware! One of my cards frequently offers balance transfers, and even includes checks with my bill to make it oh so easy. The fine print includes a healthy fee for using them!
Sonja, I made the Delicious Homemade Gluten free bread for the first time. I have made other GF breads before, but this one sounded very good. I mixed the flour using the ratios for your flour mix. I then put the dry ingredients into my mixer and let them mix for about 5 minutes. I made the yeast before starting the flour. I then mixed the wet ingredients. The yeast was working so I added the yeast and wet ingredients to the mixer. I let it mix for about 5 minutes and the batter was very smooth. I put the batter in the warm stove area and it doubled in size in about 40 minutes. I then put the mixture in a baking pan (it punches down when you do this, so I let it rise until about 3/4 inch from the top of the pan. I put it in the oven set at 350 degrees. I checked it at 40 minutes and it was not done. I put it back in for 10 minutes, The temperature probe read 190 degrees, but the bread had shrunk down till it was only 3 inches high. It was still doughy in the middle when I sliced it. It tasted good. What did I do wrong that it would shrink? As far as the doughy, do I need to bake it longer?
Late fees are a drag. What we do in our household is spend this month's income next month. That way, we don't have to worry about bill due dates - we just pay the bill when they are do! However, we do have a reminder system like what you talked about in the article, but we use a task management program to remind us when bills are due.
Great roundup! I especially like that you included the article about handling financial emergencies - so important in today's economic climate! Thank you!
Denier of science? That's actually pretty funny, because I would say it is cholesterol-phobes who are more akin to the flat-earthers. LOL.
Keep in mind not to long ago the "best scientists" of the day were the ones who insisted the earth was flat and that the sun revolved around the earth - public derision, loss of patronage (in modern times that would be grant funding) and worse being served to the current paradigm skeptics isn't anything new. We really aren't as advanced as we think we are, and the Emperor's New Clothes story still has value.
Scientific knowledge doesn't progress in smooth linear fashion, but rather lurches and shifts in paradigms, even today. What makes you so convinced that the earnest scientists of the mid and late 20th century weren't as wrong, biased, and misguided about the cause(s) of CVD disease as the astronomers of the past were about the earth's shape and the universe? Progress in science, no matter how advanced, simply doesn't move in a linear fashion - a body of knowledge shifts in fairly radically paradigms.
Have you actually *looked* at the data instead of the poor excuse for science that is fed to us (and to physicians, I might add, who are NOT scientists)? The science simply doesn't say what you apparently think it does.
be·lief/biˈlēf/
Noun:
An acceptance that a statement is true or that something exists.
Something one accepts as true or real; a firmly held opinion or conviction.
Scientific knowledge isn't based on belief. It's based a rational review of the best available data. The data is always incomplete, so acceptance of the data is always conditional (and hopefully not based on grant funding or profit, ahem).
If you go directly to the data that was purported to support the cholesterol hypothesis of CVD as well as the diet-heart hypothesis (these two hypotheses are not the quite same, btw), you'll see that the majority of data was woefully inadequate to support either hypothesis. Now that much of the data has been retested and extensively refined, and new data has shed light leading to alternative hypotheses (such as systemic inflammation, just to name one), few currently working in the CVD research field still accept the original hypotheses; most have moved on to other hypotheses, though progress was certainly hindered and misdirected when grant funding pushed most researchers down the cholesterol rabbit hole (my scientist husband relies on grant funding to run his NIH funded lab at a leading not-for-profit biomedical research institute, so I know a bit about how this funding process works, btw, and it isn't always pretty - though he isn't involved specifically in CVD research).
Unfortunately, we are in still the midst of a CVD paradigm shift, heavily defended by entrenched economic, social, and bureaucratic forces, so growing the critical mass needed to overturn the failed cholesterol and saturated fat phobia paradigm of the past will take significant time. But for those truly interested in seeking knowledge, once the blinders are truly off, sometimes it does turn out that the Emperor is quite shivering and naked. ;-)
I don't currently use business cards but when I was working I did. I have thought about getting some to hand out to Moms. (Easier than finding a piece of paper!)
If your circumstances are such that saving is easy (for example, if you're living at home for a few months after finishing college and before you need to start making student loan payments), you'd be crazy not to save a huge percentage of your income.
It's just the fixation on "retirement" savings that seems wrong to me. There are so many other things to save for: security deposit on an apartment, an emergency fund, down payment on a car, and so on.
In fact, I'm kind of doubtful of the whole idea of "compartmentalizing" your savings. Yes, there are certain kinds of accounts (called "retirement" accounts) that have some tax advantages if you leave the money in there until you're 60 or so. But really, your whole pool of savings and investments (including the money in those accounts) should work together to support all your goals.
That post is mostly about how naming the accounts after your goals leads to making poor investment decisions, but it also leads to making poor saving and spending decisions as well.
Well, sorry to anyone who has had a problem with their Dyson, but my wife and I bought ours when we got married and have had no problems with it at all. We have been married for eight years going on nine now and three kids later and still have the same vacuum with no problems. So while I feel sorry for your that your investment didn't pan out for you ours has done more than we expected.
I don't use business cards as often as I did a decade ago, but they are always good to have nonetheless !
Thanks for the giveaway...I liked UPrinting.com on Facebook: bryan eason
Tried this recipe and was not too happy. Didn't rise as much as the photo shows and it is very spongy.
Ughh, I've hated those times we needed to go to the vet.
Thanks for the mention!
This information would be so useful for those young college students these companies love to go after. Bypass the identity theft coverage or missed payment insurance and put that extra money towards getting rid of your balance!!
Suze Orman's card is not a bad prepaid card, but it is nothing more than that either. It is not even the best prepaid card out there, as that distinction belongs to American Express' prepaid card, which comes with no monthly fees at all.
But what really bothers me is that Orman advertises her card almost like the solution to all of your financial problems, provided "you use it how I tell you to." The thing is, if the "unbanked," who constitute the vast majority of prepaid users, were always doing what they were told with their finances, they would never have been cut off of the banking system and come to rely on prepaid cards in the first place. http://blog.unibulmerchantservices.com/why-suze-ormans-prepaid-card-is-a-non-event
No I dont because I've always felt it was a waste of paper. Even at work I turn down company business cards for myself.
Although I do like the sample designs above.
Beware! One of my cards frequently offers balance transfers, and even includes checks with my bill to make it oh so easy. The fine print includes a healthy fee for using them!
Sonja, I made the Delicious Homemade Gluten free bread for the first time. I have made other GF breads before, but this one sounded very good. I mixed the flour using the ratios for your flour mix. I then put the dry ingredients into my mixer and let them mix for about 5 minutes. I made the yeast before starting the flour. I then mixed the wet ingredients. The yeast was working so I added the yeast and wet ingredients to the mixer. I let it mix for about 5 minutes and the batter was very smooth. I put the batter in the warm stove area and it doubled in size in about 40 minutes. I then put the mixture in a baking pan (it punches down when you do this, so I let it rise until about 3/4 inch from the top of the pan. I put it in the oven set at 350 degrees. I checked it at 40 minutes and it was not done. I put it back in for 10 minutes, The temperature probe read 190 degrees, but the bread had shrunk down till it was only 3 inches high. It was still doughy in the middle when I sliced it. It tasted good. What did I do wrong that it would shrink? As far as the doughy, do I need to bake it longer?
Larry
I liked UPrinting.com on Facebook.
Late fees are a drag. What we do in our household is spend this month's income next month. That way, we don't have to worry about bill due dates - we just pay the bill when they are do! However, we do have a reminder system like what you talked about in the article, but we use a task management program to remind us when bills are due.
Thanks for the excellent article! Appreciate it!
tweet https://twitter.com/#!/annedoggett/status/159026602230038530
I have used business cards years ago when I was working for an insurance company.
Great roundup! I especially like that you included the article about handling financial emergencies - so important in today's economic climate! Thank you!
I liked UPrinting.com on Facebook
JD,
Denier of science? That's actually pretty funny, because I would say it is cholesterol-phobes who are more akin to the flat-earthers. LOL.
Keep in mind not to long ago the "best scientists" of the day were the ones who insisted the earth was flat and that the sun revolved around the earth - public derision, loss of patronage (in modern times that would be grant funding) and worse being served to the current paradigm skeptics isn't anything new. We really aren't as advanced as we think we are, and the Emperor's New Clothes story still has value.
Scientific knowledge doesn't progress in smooth linear fashion, but rather lurches and shifts in paradigms, even today. What makes you so convinced that the earnest scientists of the mid and late 20th century weren't as wrong, biased, and misguided about the cause(s) of CVD disease as the astronomers of the past were about the earth's shape and the universe? Progress in science, no matter how advanced, simply doesn't move in a linear fashion - a body of knowledge shifts in fairly radically paradigms.
Have you actually *looked* at the data instead of the poor excuse for science that is fed to us (and to physicians, I might add, who are NOT scientists)? The science simply doesn't say what you apparently think it does.
be·lief/biˈlēf/
Noun:
An acceptance that a statement is true or that something exists.
Something one accepts as true or real; a firmly held opinion or conviction.
Scientific knowledge isn't based on belief. It's based a rational review of the best available data. The data is always incomplete, so acceptance of the data is always conditional (and hopefully not based on grant funding or profit, ahem).
If you go directly to the data that was purported to support the cholesterol hypothesis of CVD as well as the diet-heart hypothesis (these two hypotheses are not the quite same, btw), you'll see that the majority of data was woefully inadequate to support either hypothesis. Now that much of the data has been retested and extensively refined, and new data has shed light leading to alternative hypotheses (such as systemic inflammation, just to name one), few currently working in the CVD research field still accept the original hypotheses; most have moved on to other hypotheses, though progress was certainly hindered and misdirected when grant funding pushed most researchers down the cholesterol rabbit hole (my scientist husband relies on grant funding to run his NIH funded lab at a leading not-for-profit biomedical research institute, so I know a bit about how this funding process works, btw, and it isn't always pretty - though he isn't involved specifically in CVD research).
Unfortunately, we are in still the midst of a CVD paradigm shift, heavily defended by entrenched economic, social, and bureaucratic forces, so growing the critical mass needed to overturn the failed cholesterol and saturated fat phobia paradigm of the past will take significant time. But for those truly interested in seeking knowledge, once the blinders are truly off, sometimes it does turn out that the Emperor is quite shivering and naked. ;-)
I definitely use business cards...I have worked in community developmen for years and am always meeting people.
Business Cards are a great way to make a first impression, and most people will hold onto them for a while.
Yes I've used business cards. I mostly use them for marketing events and networking.
My tweet. https://twitter.com/#!/HSlater351/status/159000632471203840
I liked UPrinting.com on Facebook.
I don't currently use business cards but when I was working I did. I have thought about getting some to hand out to Moms. (Easier than finding a piece of paper!)
Yes, it's the habit of saving that's key.
If your circumstances are such that saving is easy (for example, if you're living at home for a few months after finishing college and before you need to start making student loan payments), you'd be crazy not to save a huge percentage of your income.
It's just the fixation on "retirement" savings that seems wrong to me. There are so many other things to save for: security deposit on an apartment, an emergency fund, down payment on a car, and so on.
In fact, I'm kind of doubtful of the whole idea of "compartmentalizing" your savings. Yes, there are certain kinds of accounts (called "retirement" accounts) that have some tax advantages if you leave the money in there until you're 60 or so. But really, your whole pool of savings and investments (including the money in those accounts) should work together to support all your goals.
I wrote about that a while back:
http://www.wisebread.com/the-one-big-lump-theory-of-your-money
That post is mostly about how naming the accounts after your goals leads to making poor investment decisions, but it also leads to making poor saving and spending decisions as well.
Thanks for the kind words!
Well, sorry to anyone who has had a problem with their Dyson, but my wife and I bought ours when we got married and have had no problems with it at all. We have been married for eight years going on nine now and three kids later and still have the same vacuum with no problems. So while I feel sorry for your that your investment didn't pan out for you ours has done more than we expected.
I like you both on Twitter @lisalmg and Tweeted: https://twitter.com/#!/lisalmg/status/158990748723855361