Iron your clothes as soon as they get out of the washing machine. Your clothes will be softer, not wrinkled and the dampness from the clothes will make free steam so your iron doesn't have to work that hard and when you "line dry them" they will dry much quicker
I put in a lot of time online. However, I can't let that chain me to a desk, especially getting around without a car. And lugging a heavy 15-inch laptop only makes sense some of the time. So the best investment I made was in 2010 when I dug myself out of a hole and got a Palm Pre Plus. Since then, I got a Pre 2 and then a Veer--and still plan to get a Pre³ and TouchPad, even if that means scouring eBay and Craigslist.
I hope that HP's recent ads about spinning off their hardware division include plans for that new spinoff company to license webOS and make new hardware--and faster than the typical ramp-up time of a year or more. While some of the recent TouchPad buyers may have just been looking for a good deal, I think some saw an opportunity to get a great device.
Being a single mother i think my smartest invesemet was the quality time i was able to give my daughter, she is now a grown woman we sometimes find ourself laughing at some of the things we did together, Time go so fast and you cant get it back i thank god i push somethings aside an invested in my child life. Now thats an investment of a lifetime.
Thanks for the giveaway! I occasionally bring a lunch, but not often. I know it's the frugal choice, but I need an excuse to get out of the office for an hour, and I seriously cannot stand the unrelated-gross-foods-mingling-indiscriminately aromas that permeate office kitchens and lunchrooms. When I get my food out of the microwave, it comes out smelling like someone else's lunch! Gross! (I do bring drinks and snacks, though!)
Getting into a car accident with a 5,000 deductible and realizing i only had 2,000 in the bank. I might as well of not had any insurance, but the low premium appealed to me. It taught me about insurance and always to prepare for the unexpected
Buying a home, even though the market is down, overall I think it i still a wise investment. No matter what the market, I;d rather pay a mortgage and get the tax deduction, than pay a high rent and get nothing in return:)
Why are the wise people of our government forgetting about us , a low income baby boomer population. We are trying too keep up with the vast majority of out society in maintaining the basics of the multimedia and , being of a low income bracket, we seem to be forgotten.
I, myself would love to learn how to text on a smartphone and would learn how to search the web on a smartphone, hold and use an E-Reader.
It seems as if we should be able too be able to conform and become a viable foundation . even though we are a low income
the best investment i ever made was marrying my husband! The last 10 years have been the best years of my life;with my hubby. Learning about life together:)
Easy: Carry your money ON you. If you're wearing jeans, then keep money in your pocket. If you're wearing a dress, then get a money belt that's worn under your dress. Keep the decoy cards and small bills in your purse along with all the stuff we women keep in purses (makeup, tissues, etc). So, the burglar grabs your purse, sees the bills and fake credit cards, and thinks he has everything. You only lose a purse filled with easily replaceable items.
Of course, savvy criminals read articles like this one, and now they know about the decoy trick.
On the last, orange liqueurs, if you get to Mexico get some Controy Licór de Naranja ("liquor of orange"). Follow the recipe on the bottle (maybe backing off on the Naranja but be sure to use fresh limes, and perhaps add a dash of agave nectar) to make the best margaritas! Regrettably you can't buy it in the US.
I'm not sure if this has been pointed out because I haven't read the other posts but:
This article is ridiculous.
"Similarly, the same can be said of the other claims, regarding pesticides and hormones. First, hormones will always be present in milk; it's part of the biology of a cow. [...] So, again another inflated claim. And by the way, Vitamin D3 is added to all milk…it is also a hormone."
The box doesn't say that the milk is completely free of hormones. It says that they do not ADD ADDITIONAL GROWTH HORMONES that are not naturally made in the cow. This isn't an inflated claim; you just decided to translate "no added hormones" to "no hormones whatsoever."
I think the smartest investment I ever made was getting my kids there first HP desktop 13 years ago. Now they are computer literate and doing great in life.
401k plans don't work. Really, they don't work. They're not working out for baby boomer retirees now, and they're don't going to work for future retirees as the sole retirement savings plan (myself included!).
1. You can't count on a 401k to get you out of a crisis situation like a medical emergency or disability. Yes, you can withdraw early usually without penalty for these situations, but that basically kills your savings then and there. When you're out of funds, you're out for life.
2. 401k's rely on the the health of the market *when you decide to withdraw funds*. So if the market is looking ugly when you want to retire, you're in trouble. Throw out that plan to retire at 60, because you'll have to work 'till 65 to weather the market. That's happening to retirees right now.
3. 401k's have no inflation protection. This makes most "safe" investments losing bets over the long term. By design, social security weathers inflation by increasing benefits based on shifts in the cost of living.
To be clear, 401k plans and social security are two different beasts entirely. Saying that 401k's are better than social security is straight up misdirection. It's a red herring because they serve different purposes.
401k plans are about sheltering your savings at tax-payers expense for generating profit the long term. It's an investment that may or may not pan out. There's a reason why 401k plan providers and fund analyses make no guarantee about future outcomes. It's always a gamble.
Social security is insurance that allows workers to make decisions that benefit the overall economy (like consumer spending and other investments like buying a home) without having to save for every unexpected outcome. It benefits older workers AND younger workers the same because social security is not just about providing retirement benefits, it's about providing for a minimum social safety net for workers.
Conflating the two as a public vs. private retirement plan (as many of the commenters do here) doesn't further the conversation about the merits or shortcomings of each program, and why either may be beneficial (or not) for workers.
My best investment was in what I love cooking. Because of my interest in food I developed ways to make my kettle korn the best in the SF Bay Area. It allowed me to develop other flavor that my competitors copied.
Smartest investment was getting a degree in Liberal Arts and then a graduate degree in Political Science. The skills needed to think and make decisions, and the knowledge gained, have served me well into my 76th year. It has also enabled the gaining of many social skills and relationship skills necessary in today's complex world.
In addition to marrying my wife, my second best investment was buying a home computer when they first came out back when I was in college. I bought an original Mac, and had to put my car up as collateral for the loan to buy it. That computer got me through my bachelors and masters degrees. Having computer experience got me my first real job out of college.
One thing my parents taught me was to listen before speaking. I have learned how to do many things by listening. I have also earned the respect of others by listening.
The best investment I ever made was paying for a lawyer and the immigration fees to get my wife here from China. The dividends I have received are too many to mention!
Iron your clothes as soon as they get out of the washing machine. Your clothes will be softer, not wrinkled and the dampness from the clothes will make free steam so your iron doesn't have to work that hard and when you "line dry them" they will dry much quicker
I put in a lot of time online. However, I can't let that chain me to a desk, especially getting around without a car. And lugging a heavy 15-inch laptop only makes sense some of the time. So the best investment I made was in 2010 when I dug myself out of a hole and got a Palm Pre Plus. Since then, I got a Pre 2 and then a Veer--and still plan to get a Pre³ and TouchPad, even if that means scouring eBay and Craigslist.
I hope that HP's recent ads about spinning off their hardware division include plans for that new spinoff company to license webOS and make new hardware--and faster than the typical ramp-up time of a year or more. While some of the recent TouchPad buyers may have just been looking for a good deal, I think some saw an opportunity to get a great device.
Being a single mother i think my smartest invesemet was the quality time i was able to give my daughter, she is now a grown woman we sometimes find ourself laughing at some of the things we did together, Time go so fast and you cant get it back i thank god i push somethings aside an invested in my child life. Now thats an investment of a lifetime.
I tweeted!
http://twitter.com/FakeGradSchool/status/115999876579459072
I like you on Facebook!
Thanks for the giveaway! I occasionally bring a lunch, but not often. I know it's the frugal choice, but I need an excuse to get out of the office for an hour, and I seriously cannot stand the unrelated-gross-foods-mingling-indiscriminately aromas that permeate office kitchens and lunchrooms. When I get my food out of the microwave, it comes out smelling like someone else's lunch! Gross! (I do bring drinks and snacks, though!)
Getting into a car accident with a 5,000 deductible and realizing i only had 2,000 in the bank. I might as well of not had any insurance, but the low premium appealed to me. It taught me about insurance and always to prepare for the unexpected
Gambling. You might as well flush your money down the drain
Buying a home, even though the market is down, overall I think it i still a wise investment. No matter what the market, I;d rather pay a mortgage and get the tax deduction, than pay a high rent and get nothing in return:)
The best investment I ever made was setting up savings accounts for both my young children, in 15 years they will be able to go to college.
Why are the wise people of our government forgetting about us , a low income baby boomer population. We are trying too keep up with the vast majority of out society in maintaining the basics of the multimedia and , being of a low income bracket, we seem to be forgotten.
I, myself would love to learn how to text on a smartphone and would learn how to search the web on a smartphone, hold and use an E-Reader.
It seems as if we should be able too be able to conform and become a viable foundation . even though we are a low income
The smartest investment I ever made was buying my first home on a 15 year mortgage. We will have it paid off in 2 years and will be debt free!
the best investment i ever made was marrying my husband! The last 10 years have been the best years of my life;with my hubby. Learning about life together:)
Easy: Carry your money ON you. If you're wearing jeans, then keep money in your pocket. If you're wearing a dress, then get a money belt that's worn under your dress. Keep the decoy cards and small bills in your purse along with all the stuff we women keep in purses (makeup, tissues, etc). So, the burglar grabs your purse, sees the bills and fake credit cards, and thinks he has everything. You only lose a purse filled with easily replaceable items.
Of course, savvy criminals read articles like this one, and now they know about the decoy trick.
On the last, orange liqueurs, if you get to Mexico get some Controy Licór de Naranja ("liquor of orange"). Follow the recipe on the bottle (maybe backing off on the Naranja but be sure to use fresh limes, and perhaps add a dash of agave nectar) to make the best margaritas! Regrettably you can't buy it in the US.
The best investment i ever bought was my car in 1998. It is a 1998 hyundai elantra and has over 300,000 miles on it.
I'm not sure if this has been pointed out because I haven't read the other posts but:
This article is ridiculous.
"Similarly, the same can be said of the other claims, regarding pesticides and hormones. First, hormones will always be present in milk; it's part of the biology of a cow. [...] So, again another inflated claim. And by the way, Vitamin D3 is added to all milk…it is also a hormone."
The box doesn't say that the milk is completely free of hormones. It says that they do not ADD ADDITIONAL GROWTH HORMONES that are not naturally made in the cow. This isn't an inflated claim; you just decided to translate "no added hormones" to "no hormones whatsoever."
I think the smartest investment I ever made was getting my kids there first HP desktop 13 years ago. Now they are computer literate and doing great in life.
Answer: Pack! I normally pack a lunch using a reusable cloth lunch bag but I'm ever so tempted to get a nice bento box...
401k plans don't work. Really, they don't work. They're not working out for baby boomer retirees now, and they're don't going to work for future retirees as the sole retirement savings plan (myself included!).
1. You can't count on a 401k to get you out of a crisis situation like a medical emergency or disability. Yes, you can withdraw early usually without penalty for these situations, but that basically kills your savings then and there. When you're out of funds, you're out for life.
2. 401k's rely on the the health of the market *when you decide to withdraw funds*. So if the market is looking ugly when you want to retire, you're in trouble. Throw out that plan to retire at 60, because you'll have to work 'till 65 to weather the market. That's happening to retirees right now.
3. 401k's have no inflation protection. This makes most "safe" investments losing bets over the long term. By design, social security weathers inflation by increasing benefits based on shifts in the cost of living.
To be clear, 401k plans and social security are two different beasts entirely. Saying that 401k's are better than social security is straight up misdirection. It's a red herring because they serve different purposes.
401k plans are about sheltering your savings at tax-payers expense for generating profit the long term. It's an investment that may or may not pan out. There's a reason why 401k plan providers and fund analyses make no guarantee about future outcomes. It's always a gamble.
Social security is insurance that allows workers to make decisions that benefit the overall economy (like consumer spending and other investments like buying a home) without having to save for every unexpected outcome. It benefits older workers AND younger workers the same because social security is not just about providing retirement benefits, it's about providing for a minimum social safety net for workers.
Conflating the two as a public vs. private retirement plan (as many of the commenters do here) doesn't further the conversation about the merits or shortcomings of each program, and why either may be beneficial (or not) for workers.
My best investment was in what I love cooking. Because of my interest in food I developed ways to make my kettle korn the best in the SF Bay Area. It allowed me to develop other flavor that my competitors copied.
Smartest investment was getting a degree in Liberal Arts and then a graduate degree in Political Science. The skills needed to think and make decisions, and the knowledge gained, have served me well into my 76th year. It has also enabled the gaining of many social skills and relationship skills necessary in today's complex world.
In addition to marrying my wife, my second best investment was buying a home computer when they first came out back when I was in college. I bought an original Mac, and had to put my car up as collateral for the loan to buy it. That computer got me through my bachelors and masters degrees. Having computer experience got me my first real job out of college.
One thing my parents taught me was to listen before speaking. I have learned how to do many things by listening. I have also earned the respect of others by listening.
The best investment I ever made was paying for a lawyer and the immigration fees to get my wife here from China. The dividends I have received are too many to mention!