Any tips for a college student with only a toaster and a microwave to cook? She can not eat at the dining hall because they do not understand contamintation. The bacon is gluten free yet they cook it on bread to absorb the grease. yikes!
The big bad faceless corporation is all at fault! Who cares if you screw them! They are evil anyway! They are the ones that caused this entire financial collapse and it is their fault that my house value has plummetted and the stock market crashed!!!
I hear many people reciting the above. They take the attitude that "I am going to screw them because they already screwed me!" Is the banking industry to blame for all of this? Yes and no. The banking industry relaxed lending standards, something, I might add, those who fight for social justice have been demanding for years (because home ownership is a right blah blah blah). Of course they did not do this out of the kindness of their hearts they did it to cash in (via mortgages, fees, etc.) in the boom in home prices. Everyone is prequalified, everyone can buy a house! What happened is that many people who were not qualified got approved. Houses, even ones in bad areas and in bad shape were all of a sudden worth ridiculous amounts. People bought them, and when things went bad, they did what you did and they walked away. Those of you who wish to blame the banking industry need to realize that they are only a part of the equation, you are the other part to that equation! I know friends who bought 2 and 300,000 homes knowing full well they could never afford it, but they counted their OT wages. Now that they have no OT they can't pay their mortgage and they expect me and the rest of the country to bail them out. Kudos to you for walking away! You get to start over anew while people like myself who work hard and honor their debts get to pay for yours. Thanks for that, I mean really it's not bad enough I have to support the hordes on welfare or the idiots in washington, I really had too much money anyway. Since my home value plummetted perhaps I too will walk away? Then the rest of you can pay for my mistake too! God forbid I should "gasp" take PERSONAL RESPONSIBILITY for making dumb decisions and bad choices, I mean no one does that anymore do they?
I haven't used NetSpend and won't be using it, but from what I am reading, Netspend is simply a checking account with a slightly different look. It seems like some here might be confused, so I thought I would comment on the similarities and disadvantages that I see regarding a NetSpend card compared to a checking account.
Similarities:
1. $10/month for the card - This is the same as an account fee than many banks have with their account. Many times you can get a checking account with no fee.
2. Only spend the money that you have loaded onto the account - This is the concept of a debit card. While a credit card is debt, a debit card is spending the money you have in your checking account, just like the NetSpend card.
3. No overdraft fees - Unless they are letting customers continue to spend money after their account goes negative (essentially providing free credit), then I assume a NetSpend card stops working after going negative. Most checking accounts have the option of Overdraft protection, which will also block the account from spending too much.
Disadvantages:
1. ATM Withdrawals - $2.95 charged by NetSpend plus the ATM fees (often $2 or $3 for each transaction where I live). So regardless of how much you withdraw (even if it's only $20), you are likely going to pay $5-$6 for your money. A bank usually has it's own ATMs that often charge you nothing for using them, and some banks (such as my own) reimburse customers for all ATM charges, regardless of what company owns the ATM.
2. No Branches and cash/check deposit fees - Since there are no bank branches, they charge a fee when you deposit cash or checks. Banks don't charge a fee for depositing cash or checks. Bank branches also allow you to talk to meet with a representative in person if you need help. Calling a customer service line is your only option with NetSpend.
3. Other fees - Fees for checking your balance by phone or having no account activity don't exist for most bank accounts. NetSpend charges $.50 for a balance inquiry and $5.95/month for "account maintenance" if you don't use the card for 90 days.
Many people don't have the option for a checking account. While a checking account is likely less expensive (as long as you shop around to find a good account with overdraft protection and low or no fees), a NetSpend card can be a good option for someone that can't get a good checking account.
It would be quite difficult, but I'm sure I could. The only people that really contact me are my mom, my boyfriend, and only a handful of friends. I commute and live at home, and all these people have the number for the home phone. I skype with my boyfriend, although he does like to check in with me via text message throughout the day. Mostly the phone is used for texting. I honestly don't use it that much for the $50 a month that I pay!
In addition to using newspaper as a fire starter, I save my empty toilet paper rolls and tightly roll up sections of newspaper large enough to fit inside and burn it as a fire log. Can use in a fire pit also.
i let my sister use my fav cd for like 5min and i got it back and there were a lot of scratches on it i learned two things that i should not let my older sister use my stuff and toothpaste works on getting scratches out... thank you guy on the video ;D
I buy coupons on E Bay quite often. I can never get coupons for the organic food items my family used a lot. On E Bay I can get them and usually is groups of 20 coupons. I bought Cliff Kids Z bar coupons in a group of 20 that were for a dollar off. I paid around $3.50. They didn't say "Do not Double" so instead of just $20.00 off it was $40.00 off minus the $3.50 I paid.
I'm going to put it inside the bottom of my cabinets after reading this. I never thought to sell it on EBAY. Very interesting. I remember people puttin git in their shoes to absorb bacteria and odor. I especially like #6. I have used it as a weed barrier before I lay down mulch in my garden. It works well. It's also great at the bottom of the garbage for odor and easy clean up.
Hi I agree with all these points. I've been buying used since I was in high school. Everyone always made fun, but they can just stick it! nicely. :)
I do, however, want to comment about the outbreak of bed bugs. I recently shopped at the local Goodwill and at the end of my trip started to think about whether there were any there? And, whether I should stop buying second hand? Should I just buy at rummage sales where I can judge the people better - ha! right. The clerk told me they have seen them once or twice and take measures with new stuff. But, how can you be sure? Sometimes I buy items that can't be "roasted" in the dryer.
I do agree with you that many people start investing to early. There is need for huge care and knowledge when you are investing in market specially in stocks. Stock investments need huge knowledge and wisdom.
I always start with secondhand stores. And I'm with you on the "quality" issue. Seven years ago I paid 99 cents for a clock-radio from the St. Vincent de Paul thrift shop. It's so old it has those little cards that flip over. But it sounds great and it wakes me up just as nicely as an expensive new clock-radio would.
The best investment I ever made was the financial investment in my first degree-a BA in English. Sure, there has been an economic advantage to the degree as a credential (although other undergraduate degrees may provide a better ROI), but as far as I'm concerned, the payoff has been in my drastically improved critical thinking and problem-solving skills. These pay off both personally and professionally and are more than worth the price I paid!
My best investment is my nursing degree & licence. I was working dead end jobs & now that I'm a registered nurse-I have job security & the knowledge that I'll be able to find a job almost anywhere in the U.S. I did have to take out over $30,000 in student loans but I also have the option of getting those loans forgiven if I choose to work in a area that is in deep need of nurses. Many of my college classmates who had different majors are either unemployed or underemployed so I'm definitely better off. Overall I believe my investment has paid off.
The best investment I made was buying my Dell laptop never had one before always a desktop! I love it because I can use it late at night in bed without having to sit at my deck and being sick all the time I still can do things online from my warm bed ! Im greatful I have it would be lost without it!
tishajean@ charter.net
In lieu of child support I asked for my ex to put money into a four-year college program for our two boys. It was a third of what he was supposed to pay, only lasted for five years of payments (instead of the fifteen he had left for court-ordered support, and as an aside it relieved a ton of tension because he rarely paid child support, hating to do so). He gave me the money each month for five years, like clock work and I paid off the two plans. The oldest has already used his, and the second-oldest is going to use it for his two years at the uni (opting to take two years at the community college first, while living at home...this is his first semester). The college plans pay tuition in full, whatever the cost when it comes time to use them, and the earlier you start it, the less expensive it is. Easily THE best investment I've ever made.
The best investment I ever made was my daughter's dancing lessons, costumes and competitions. She was a Nintendo "couch potato" when she started and blossomed into a self confident, poised and beautiful young woman. Our family had experienced a tragedy and her dancing was a bridge back into living and facilitated our healing in many ways. It is by far the best investment I have ever made and I do not regret a penny or second that we spent on it.
Any tips for a college student with only a toaster and a microwave to cook? She can not eat at the dining hall because they do not understand contamintation. The bacon is gluten free yet they cook it on bread to absorb the grease. yikes!
remember when you went to the doctor - and paid with a chicken?!
The big bad faceless corporation is all at fault! Who cares if you screw them! They are evil anyway! They are the ones that caused this entire financial collapse and it is their fault that my house value has plummetted and the stock market crashed!!!
I hear many people reciting the above. They take the attitude that "I am going to screw them because they already screwed me!" Is the banking industry to blame for all of this? Yes and no. The banking industry relaxed lending standards, something, I might add, those who fight for social justice have been demanding for years (because home ownership is a right blah blah blah). Of course they did not do this out of the kindness of their hearts they did it to cash in (via mortgages, fees, etc.) in the boom in home prices. Everyone is prequalified, everyone can buy a house! What happened is that many people who were not qualified got approved. Houses, even ones in bad areas and in bad shape were all of a sudden worth ridiculous amounts. People bought them, and when things went bad, they did what you did and they walked away. Those of you who wish to blame the banking industry need to realize that they are only a part of the equation, you are the other part to that equation! I know friends who bought 2 and 300,000 homes knowing full well they could never afford it, but they counted their OT wages. Now that they have no OT they can't pay their mortgage and they expect me and the rest of the country to bail them out. Kudos to you for walking away! You get to start over anew while people like myself who work hard and honor their debts get to pay for yours. Thanks for that, I mean really it's not bad enough I have to support the hordes on welfare or the idiots in washington, I really had too much money anyway. Since my home value plummetted perhaps I too will walk away? Then the rest of you can pay for my mistake too! God forbid I should "gasp" take PERSONAL RESPONSIBILITY for making dumb decisions and bad choices, I mean no one does that anymore do they?
I ran across a deal on a deal website a while back, some software package from Staples for $0 after rebate.
Someone pointed out you could buy a $30 off $150 Staples coupon code on ebay for a couple of bucks and end up MAKING MONEY on the deal.
I tried it and it worked, but it felt kind of scammy/scummy. I still don't quite understand how that worked, or where the money came from.
I haven't used NetSpend and won't be using it, but from what I am reading, Netspend is simply a checking account with a slightly different look. It seems like some here might be confused, so I thought I would comment on the similarities and disadvantages that I see regarding a NetSpend card compared to a checking account.
Similarities:
1. $10/month for the card - This is the same as an account fee than many banks have with their account. Many times you can get a checking account with no fee.
2. Only spend the money that you have loaded onto the account - This is the concept of a debit card. While a credit card is debt, a debit card is spending the money you have in your checking account, just like the NetSpend card.
3. No overdraft fees - Unless they are letting customers continue to spend money after their account goes negative (essentially providing free credit), then I assume a NetSpend card stops working after going negative. Most checking accounts have the option of Overdraft protection, which will also block the account from spending too much.
Disadvantages:
1. ATM Withdrawals - $2.95 charged by NetSpend plus the ATM fees (often $2 or $3 for each transaction where I live). So regardless of how much you withdraw (even if it's only $20), you are likely going to pay $5-$6 for your money. A bank usually has it's own ATMs that often charge you nothing for using them, and some banks (such as my own) reimburse customers for all ATM charges, regardless of what company owns the ATM.
2. No Branches and cash/check deposit fees - Since there are no bank branches, they charge a fee when you deposit cash or checks. Banks don't charge a fee for depositing cash or checks. Bank branches also allow you to talk to meet with a representative in person if you need help. Calling a customer service line is your only option with NetSpend.
3. Other fees - Fees for checking your balance by phone or having no account activity don't exist for most bank accounts. NetSpend charges $.50 for a balance inquiry and $5.95/month for "account maintenance" if you don't use the card for 90 days.
Many people don't have the option for a checking account. While a checking account is likely less expensive (as long as you shop around to find a good account with overdraft protection and low or no fees), a NetSpend card can be a good option for someone that can't get a good checking account.
It would be quite difficult, but I'm sure I could. The only people that really contact me are my mom, my boyfriend, and only a handful of friends. I commute and live at home, and all these people have the number for the home phone. I skype with my boyfriend, although he does like to check in with me via text message throughout the day. Mostly the phone is used for texting. I honestly don't use it that much for the $50 a month that I pay!
In addition to using newspaper as a fire starter, I save my empty toilet paper rolls and tightly roll up sections of newspaper large enough to fit inside and burn it as a fire log. Can use in a fire pit also.
i let my sister use my fav cd for like 5min and i got it back and there were a lot of scratches on it i learned two things that i should not let my older sister use my stuff and toothpaste works on getting scratches out... thank you guy on the video ;D
I buy coupons on E Bay quite often. I can never get coupons for the organic food items my family used a lot. On E Bay I can get them and usually is groups of 20 coupons. I bought Cliff Kids Z bar coupons in a group of 20 that were for a dollar off. I paid around $3.50. They didn't say "Do not Double" so instead of just $20.00 off it was $40.00 off minus the $3.50 I paid.
I currently don't have a cell phone. Haven't had one in over a year.
I'm going to put it inside the bottom of my cabinets after reading this. I never thought to sell it on EBAY. Very interesting. I remember people puttin git in their shoes to absorb bacteria and odor. I especially like #6. I have used it as a weed barrier before I lay down mulch in my garden. It works well. It's also great at the bottom of the garbage for odor and easy clean up.
Hi I agree with all these points. I've been buying used since I was in high school. Everyone always made fun, but they can just stick it! nicely. :)
I do, however, want to comment about the outbreak of bed bugs. I recently shopped at the local Goodwill and at the end of my trip started to think about whether there were any there? And, whether I should stop buying second hand? Should I just buy at rummage sales where I can judge the people better - ha! right. The clerk told me they have seen them once or twice and take measures with new stuff. But, how can you be sure? Sometimes I buy items that can't be "roasted" in the dryer.
Any thoughts?
Guest
Thanks
I've been a lawyer for thirty years. I did look into this and in my opinion it is illegal. I was just asking what Paul's perspective was.
I do agree with you that many people start investing to early. There is need for huge care and knowledge when you are investing in market specially in stocks. Stock investments need huge knowledge and wisdom.
I always start with secondhand stores. And I'm with you on the "quality" issue. Seven years ago I paid 99 cents for a clock-radio from the St. Vincent de Paul thrift shop. It's so old it has those little cards that flip over. But it sounds great and it wakes me up just as nicely as an expensive new clock-radio would.
The best investment I ever made was the financial investment in my first degree-a BA in English. Sure, there has been an economic advantage to the degree as a credential (although other undergraduate degrees may provide a better ROI), but as far as I'm concerned, the payoff has been in my drastically improved critical thinking and problem-solving skills. These pay off both personally and professionally and are more than worth the price I paid!
My best investment is my nursing degree & licence. I was working dead end jobs & now that I'm a registered nurse-I have job security & the knowledge that I'll be able to find a job almost anywhere in the U.S. I did have to take out over $30,000 in student loans but I also have the option of getting those loans forgiven if I choose to work in a area that is in deep need of nurses. Many of my college classmates who had different majors are either unemployed or underemployed so I'm definitely better off. Overall I believe my investment has paid off.
smartest investment I've ever had was buying google at its IPO price
My best investment was my laptop! I was so stuck in the deskjet era. Love the portability and ease.
Thanks for the chance to win
nolagirl727 at yahoo dot com
The best investment I made was buying my Dell laptop never had one before always a desktop! I love it because I can use it late at night in bed without having to sit at my deck and being sick all the time I still can do things online from my warm bed ! Im greatful I have it would be lost without it!
tishajean@ charter.net
Buying my home was the best investment. Tax brakes and all in these times are greatly needed.
My best investment was marrying my husband. Twenty-six years and six children later, we are still going strong.
In lieu of child support I asked for my ex to put money into a four-year college program for our two boys. It was a third of what he was supposed to pay, only lasted for five years of payments (instead of the fifteen he had left for court-ordered support, and as an aside it relieved a ton of tension because he rarely paid child support, hating to do so). He gave me the money each month for five years, like clock work and I paid off the two plans. The oldest has already used his, and the second-oldest is going to use it for his two years at the uni (opting to take two years at the community college first, while living at home...this is his first semester). The college plans pay tuition in full, whatever the cost when it comes time to use them, and the earlier you start it, the less expensive it is. Easily THE best investment I've ever made.
The best investment I ever made was my daughter's dancing lessons, costumes and competitions. She was a Nintendo "couch potato" when she started and blossomed into a self confident, poised and beautiful young woman. Our family had experienced a tragedy and her dancing was a bridge back into living and facilitated our healing in many ways. It is by far the best investment I have ever made and I do not regret a penny or second that we spent on it.
The smartest investment I ever made, was buying a computer. I have used the computer for everything. Including winning lots of sweeps!
itsjustme62613 at gmail.com