Saving early means having to save less later when you will have the income for the things you want. I would rather save 10% now than 22% later. Additionally, if your employer is matching your contribution then you are giving up free money if you don`t put in the minimum.
I liked your article. Here in the UK, where I live, television is almost as dominant as it is in the USA and it seems to be growing in influence. I always feel encouraged when I come across other people who have taken television out of their lives, such as yourself and some of those who have posted in response to your article. I know a people who don't have TV personally, probably because I am so vocal about it, but I also like to come across people on the internet. I have just set up a social networking site for people who have got television out of their lives, or who might want to. It is open to everyone and has no political or other agenda. I would very much encourage people to check it out - lifewithouttv.org - and let me know what they think. It has lots of useful material on it.
Hahaha. I totally thought about adding that, but then I thought - nobody would bring a sex toy, right? Guess I was wrong. However, I would have looooved to be at that party. Sounds like a great time!
I sincerely doubt Philip is encouraging excess spending. He does have a point about not earning interest - why not invest in something with higher returns than a 401K will currently give you?
I still like making mix tapes. OK, well, they are CDs, but you can personalize them and even record your own voice as an intro to some of the tracks. It's not a bad way to reach out across long distances, too - if your grandmother has a CD player (mine does not).
My favorite part of the holidays is time off to spend on myself. I opted out of the holiday craziness many years ago, and now I enjoy watching everyone else run around like crazy people getting all stressed while I take a bubble bath and read some good books! :)
I would like to add: do not bring sex toys as your White Elephant gift, even though you know that the party host would find it hilarious. I learned this recently from a friend who went to a party that he thought would be filled with young, wild artists that turned out to be attended mostly by older, retired people.
I love getting away to spend time with my family. I'm not at my house, so there's not a lot of projects I have to do. I don't know a lot of people in town so I don't have a lot of social obligations (although I know a few people, so I can go see them to take a break from my family). I get to play with all my nephews' cool toys and taunt my brother-in-law's fish, and curl up with the cats to read or watch DVDs after all the little people go to bed. Mostly, it's about taking a break from the rest of my life and spending time reconnecting with my family. Oh, and fruitcake. Mom makes great fruitcake (totally not kidding).
My favorite part about the Holidays is:
when the stockings are filled, after the gifts are wrapped and placed under the tree, in the evening listening to Christmas music and warming in the glow of the logs burning in our fireplace, sitting there with my wife, remembering Christmases past.
My favorite part of the holidays is the sense of anticipation...of seeing family and friends, sharing homemade food, admiring decorations, and soaking up the atmosphere.
I love getting together with my family at my mom's house. It's truly just like old times when we all gather there and Christmas seems like the only time that happens. I love our kids getting to play with their seldom-seen cousins and getting to see their parents act like goofballs together. It just says "Home" to me and I hope my children feel the same way one day.
I have been offering discount dental plans to groups and individuals for ten years, and there has never been an incident during that time that someone came back and reported that they did not save enough money to at least pay for their membership plan. Compared to insurance pricing, the cost to buy a discount plan is typically 10% of what you pay for insurance, and the value is significant. Most people save an average of 50% whenever they visit a dentist, and they can use their plan right away for immediate savings and as often as they want. Consumers win.
Dentists win because they fill up empty chair time, there is no cost to participate as a provider, and they get immediate payment at the time of service without the hassle of filing claims and waiting to get paid.
Overall, I would say that discount dental plans are valuable to both consumers and to the dental industry. Even the National Assocation of Dental Plans agrees.
My favorite part of the holidays is focusing my children and myself on what this season is really all about, the birth of our Lord and Savior Jesus Christ and all that means or should me to us all. Sacrificial giving, selflessness, brotherly love, kindness, compassion. Demonstrating the characteristics of Christ not only during the Christmas season but all year long, each moment of every day exemplifying and glorifying the One that we celebrate at Christmas. HAPPY BIRTHDAY JESUS!!!
Saving early means having to save less later when you will have the income for the things you want. I would rather save 10% now than 22% later. Additionally, if your employer is matching your contribution then you are giving up free money if you don`t put in the minimum.
I liked your article. Here in the UK, where I live, television is almost as dominant as it is in the USA and it seems to be growing in influence. I always feel encouraged when I come across other people who have taken television out of their lives, such as yourself and some of those who have posted in response to your article. I know a people who don't have TV personally, probably because I am so vocal about it, but I also like to come across people on the internet. I have just set up a social networking site for people who have got television out of their lives, or who might want to. It is open to everyone and has no political or other agenda. I would very much encourage people to check it out - lifewithouttv.org - and let me know what they think. It has lots of useful material on it.
Regards,
Jim Goddard
Hahaha. I totally thought about adding that, but then I thought - nobody would bring a sex toy, right? Guess I was wrong. However, I would have looooved to be at that party. Sounds like a great time!
my favorite part is the smells. Cinnamon, peppermint, fires, Christmas trees, roasts, sides, etc. It's the part that keeps me happy year after year.
I sincerely doubt Philip is encouraging excess spending. He does have a point about not earning interest - why not invest in something with higher returns than a 401K will currently give you?
I still like making mix tapes. OK, well, they are CDs, but you can personalize them and even record your own voice as an intro to some of the tracks. It's not a bad way to reach out across long distances, too - if your grandmother has a CD player (mine does not).
My favorite part of the holidays is time off to spend on myself. I opted out of the holiday craziness many years ago, and now I enjoy watching everyone else run around like crazy people getting all stressed while I take a bubble bath and read some good books! :)
I would like to add: do not bring sex toys as your White Elephant gift, even though you know that the party host would find it hilarious. I learned this recently from a friend who went to a party that he thought would be filled with young, wild artists that turned out to be attended mostly by older, retired people.
I already like you on FB.
I enjoy watching the schmaltzy movies and listening to the sentimental songs with my family.
Christine
Shopping in stores with Xmas music and decorations!
Like you on FB.
Eating lots of treats that are only available this time of year. And seeing how excited my dog gets when he receives a new toy. :)
The only people that are going to agree with this article are the people looking to justify their excess spending. This is poor advice.
The best part is Christmas Day, when we can forget the stress of the season and sit around, relax, and enjoy our presents.
I love getting away to spend time with my family. I'm not at my house, so there's not a lot of projects I have to do. I don't know a lot of people in town so I don't have a lot of social obligations (although I know a few people, so I can go see them to take a break from my family). I get to play with all my nephews' cool toys and taunt my brother-in-law's fish, and curl up with the cats to read or watch DVDs after all the little people go to bed. Mostly, it's about taking a break from the rest of my life and spending time reconnecting with my family. Oh, and fruitcake. Mom makes great fruitcake (totally not kidding).
My favorite part about the Holidays is:
when the stockings are filled, after the gifts are wrapped and placed under the tree, in the evening listening to Christmas music and warming in the glow of the logs burning in our fireplace, sitting there with my wife, remembering Christmases past.
My favorite part of the holidays is the sense of anticipation...of seeing family and friends, sharing homemade food, admiring decorations, and soaking up the atmosphere.
I love getting together with my family at my mom's house. It's truly just like old times when we all gather there and Christmas seems like the only time that happens. I love our kids getting to play with their seldom-seen cousins and getting to see their parents act like goofballs together. It just says "Home" to me and I hope my children feel the same way one day.
The cookies, obviously!
I liked you on Facebook.
I have been offering discount dental plans to groups and individuals for ten years, and there has never been an incident during that time that someone came back and reported that they did not save enough money to at least pay for their membership plan. Compared to insurance pricing, the cost to buy a discount plan is typically 10% of what you pay for insurance, and the value is significant. Most people save an average of 50% whenever they visit a dentist, and they can use their plan right away for immediate savings and as often as they want. Consumers win.
Dentists win because they fill up empty chair time, there is no cost to participate as a provider, and they get immediate payment at the time of service without the hassle of filing claims and waiting to get paid.
Overall, I would say that discount dental plans are valuable to both consumers and to the dental industry. Even the National Assocation of Dental Plans agrees.
Sharing a meal with my extended family. The combination of food and company is always a special joy.
My favorite part of the holidays is focusing my children and myself on what this season is really all about, the birth of our Lord and Savior Jesus Christ and all that means or should me to us all. Sacrificial giving, selflessness, brotherly love, kindness, compassion. Demonstrating the characteristics of Christ not only during the Christmas season but all year long, each moment of every day exemplifying and glorifying the One that we celebrate at Christmas. HAPPY BIRTHDAY JESUS!!!
So much yum here! I want to make ravioli right now.