Dude, as much as I'm sure that "redistribution of wealth" is a term that gets you all riled up, THAT IS WHAT GOVERNMENTS DO. They redistribute wealth. The roads you drive on were paid for with redistributed wealth. The schools you attended? Redistributed wealth - TAXES.
It's taxes. Taxes pay for **** that everyone uses. If you don't think that that's OK, then you probably need to find a libertarian paradise where you can fend for yourself.
One red rose. I think it cost a dollar including a few tendrils of baby's breath and a snip of ribbon to hold it all together. I gave the rose to my date, my beautiful date, our first date, just before dinner. Last week we celebrated our 32 anniversary; I gave her a red rose.
My best investment was my temperpedic bed. It cost quite a bit initially but has yielded 6 years and counting of great nights of sleep and rest. Therefore, I have functioned better and had much higher quality of life during my waking hours.
I wish I could say that I always packed my lunch, but there are too many days when lunch isn't a break, but another client meeting or networking power hour, so I end up buying a lot of times!
I LOVE Clean House!! I love $40/day too, but didn't realize it was airing at such an early hour.
I will NOT watch Extreme Couponing. I prefer to actually follow store policies and not obtain coupons less-than-reputably to get deals on food. The people on that show should really be ashamed of themselves.
Thanks for the tips. I know that the yogurt parfait (yogurt, berries/fruit, and granola) is getting popular at restaurants so I put that on my list. Usually, though I don't necessarily go to the trouble of creating a great presentation and just mix them together, which is sounds like you do. Sometimes I use organic Muesli as a substitute for granola.
It is good to note that you should follow dietary restrictions. Some people need to avoid things with sugar, for example but hopefully there is something for everyone here. One of the benefits of a homemade breakfast to avoiding some not-so-good-for-you stuff that can be added in from items at the grocery store or restaurant.
But a Ponzi scheme is a particular thing. Being bankrupt doesn't make you a Ponzi scheme. (And, of course, Social Security isn't bankrupt—it's making payments to retirees right on schedule, and there's no reason to think it won't go right on doing so.)
As for the Social Security trust fund money having been invested in US Treasury securities, why does that worry you? Do you think the US isn't good for the money? Even during the debt ceiling crisis, no one was suggesting that the US wouldn't make payments on the debt. (The question was whether not paying some of the other bills would nevertheless be a default.) If you're really worried that the US won't pay its debts, you're in a small minority: the US can currently borrow for 10 years at 2.06%.
I can't say I agree with you Staci. In most applications for mid-level or upper level management it is required to post a range salary in your application. The point is, a prospective employee should do their research as to what salary is appropriate to the level of experience when compared to the level of the position. I recently applied for upper level management from within and was required to list such a range. Odds are that if you took the time to do the proper research, the company has usually done the same and your salary ranges should be somewhat similar.
Love this guide, but since I do not have cable, it's not very useful. I'll most likely watch some of these shows in the future when they come to Hulu or Netflix. There are a couple of money saving shows on over-the-air channels that are also worth checking out. If you have the bunny ears check your local TV channels.
The best investment I ever made was to have our back yard professionally landscaped. We took out some money from our HELOC to make our deary back yard into a space we could use to entertain friends, host birthday parties, holiday cook-outs, etc. We have since (6 yrs ago) paid off the loan and have created many happy memories with family and friends in that beautiful space. Further, having a nice space for parties means we don't have to have our birthday parties at the local playland which is $300 a party. Sometimes now when we're trying to save $, we'll actually host a dinner party outdoors because for less than the price of dining out (family of 5), we can feed and entertain ourselves *and* friends with a delicious bbq all while saving $ and building friendships! I think that's a good return on our investment.
My wife and I did this as soon as we were married in July (I took the lead, but she provided plenty of input). Most importantly, creating a financial plan has brought us much closer together. We are planning for long term goals, and are keeping each other in check with spending. All of our pay goes into one joint account, and we have a detailed list of all necessary bills that we pay. We each get $50 a week for personal spending money that can be used for anything. We have budgeted until the end of next year, and it looks like we'll be able to pay off $40,000 in student loans by the summer.
Great tips! I agree that both partners must be involved and in the know of what is going on with their finances, but another mistake that is made my families is to have the less financially-savvy member take charge of the money. This causes couples to lose money in the long run (think missed investment opportunities).
Social security is a ponzi scheme because it is bankrupt and illegitimate. It's short on money because of a slowing population rate, aging population and mandated entitlement growth. The so-called "trust fund" is nothing more than govt IOUs--if you read the SSA's own FAQ they explain that all money paid into the trust fund by workers is spent immediately through the govt's general fund and replaced with "special securities" which is doublespeak for US Treasuries aka IOUs.
Retirees did pay into a bogus scheme and they're being rewarded for their foolish largess by sapping the productivity of young workers while bankrupting the entire nation.
Make sure to clean your desk if that's were you eat. I recently read that desks have more germs than a toilet seat. Yuck!
I agree with Meg, you need a lunch buddy or else it'll be very sad seeing everyone leaves the office for lunch.
My problem with brown bagging was time (I was super busy!) but it was also difficult to transport my meal without making a mess. Your tip about setting the table is smart!
Hallelujah! I finally see someone other than myself shooting down the "Oh Noes! What about the Baby Boomers! They are draining all the SS!". It seems like no one ever looked into the SS commission that was put together in the 80s that anticipated the issue.
Now, if the War Chest would give back all the money it has "borrowed" from Social Security then we wouldn't have to have this false scare of it not being there for you when you retire...so let's get rid of it! *palm/face*
When our son and daughter-in-law were married in 2005, we gave them a nice check and the book by Elizabeth Warren, All Your Worth. They took it to heart and manage their money according to her advice. It has paid off for them in spades!
Every day for breakfast I eat yogourt, berries, and home made granola. It's easy, healthy and delicious.
Eating eggs is definitely an inexpensive way for breakfast, you should be limiting yourself to no more than 2 eggs a week due to the cholesterol. A great alternative is using egg whites. Just as good and packed with protein.
City Pockets! It's a place to stash all of the daily deals you've purchased, and you can sell ones you have a change of heart on - or buy someone else's.
Other workouts to lose stomach fat that you can do at home include squats and sit-ups. These are the workouts for abs that are done at the gym but you can do them at home without spending hundreds of dollars for a personal trainer. Simply stand in an open area — a lounge room will do — with your arms relaxed by your side and your feet shoulder length apart. Make the motion like you’re going to sit on a chair and go down until your stomach makes a 90 degree angle with your knees. Keep repeating this motion for between five and ten minutes, then alternate with some jogging on the spot of other stretches.
Sit-ups are abs workouts that can be done in the privacy of your own home. A great tip to getting a good workout for your stomach early on in the sit-up process is to hold a heavy ball or package in your hands while you’re doing the sit-ups. This will help to strengthen your core as well as your upper arm muscles.
" Its another step closer to socialism," - a long slow step I guess since Social Security has been making retirment payments since about 1935. When will Social Security tip us into Socialism? :)
I pack my kids lunches every day except Friday - that's the day of the week they are allowed to buy lunch from school. I also pack my husband's lunch. It is much cheaper and healthier. This year I am enjoying the bento method, and I am including more fresh vegetables and fruits in their lunches. So far, so good!
What I find most unfortunate is how uneducated even politicians are. How can people with so many degrees get into power with so little financial common sense? Why is it the governments role to provide for a generation of individuals? Or why did those in power at the time believe they needed a program to pay for the lives of the elderly? I'm not saying they should be put out to pasture, or left hanging, rather, this was never the role the government was meant to play in the first place.
Its another step closer to socialism, which if you have ever studied other countries using that system they have always failed. I think better financial education would have done far more good to help the baby boomers than in effect telling them, "When you're older you'll be taken care of".
This belief only creates entitlement mentality, instead of the people figuring out how to create value in the world, even at an older age. I just hope that sooner rather than later, more people will take it upon themselves to educate themselves instead of looking to businesses and government for their well being.
You didn't mention this "generous" person's nationality. It sounds like every Greek man I ever knew!
Love your suggestions. I like oatmeal in the morning when it's cold. When it's hot, I go for Muesli with cold milk. A pb&j sandwich is also tasty!
Dude, as much as I'm sure that "redistribution of wealth" is a term that gets you all riled up, THAT IS WHAT GOVERNMENTS DO. They redistribute wealth. The roads you drive on were paid for with redistributed wealth. The schools you attended? Redistributed wealth - TAXES.
It's taxes. Taxes pay for **** that everyone uses. If you don't think that that's OK, then you probably need to find a libertarian paradise where you can fend for yourself.
One red rose. I think it cost a dollar including a few tendrils of baby's breath and a snip of ribbon to hold it all together. I gave the rose to my date, my beautiful date, our first date, just before dinner. Last week we celebrated our 32 anniversary; I gave her a red rose.
My best investment was my temperpedic bed. It cost quite a bit initially but has yielded 6 years and counting of great nights of sleep and rest. Therefore, I have functioned better and had much higher quality of life during my waking hours.
I wish I could say that I always packed my lunch, but there are too many days when lunch isn't a break, but another client meeting or networking power hour, so I end up buying a lot of times!
I LOVE Clean House!! I love $40/day too, but didn't realize it was airing at such an early hour.
I will NOT watch Extreme Couponing. I prefer to actually follow store policies and not obtain coupons less-than-reputably to get deals on food. The people on that show should really be ashamed of themselves.
Thanks for the tips. I know that the yogurt parfait (yogurt, berries/fruit, and granola) is getting popular at restaurants so I put that on my list. Usually, though I don't necessarily go to the trouble of creating a great presentation and just mix them together, which is sounds like you do. Sometimes I use organic Muesli as a substitute for granola.
It is good to note that you should follow dietary restrictions. Some people need to avoid things with sugar, for example but hopefully there is something for everyone here. One of the benefits of a homemade breakfast to avoiding some not-so-good-for-you stuff that can be added in from items at the grocery store or restaurant.
Plus, here is some more info on eggs: http://www.health.harvard.edu/press_releases/egg-nutrition
But a Ponzi scheme is a particular thing. Being bankrupt doesn't make you a Ponzi scheme. (And, of course, Social Security isn't bankrupt—it's making payments to retirees right on schedule, and there's no reason to think it won't go right on doing so.)
As for the Social Security trust fund money having been invested in US Treasury securities, why does that worry you? Do you think the US isn't good for the money? Even during the debt ceiling crisis, no one was suggesting that the US wouldn't make payments on the debt. (The question was whether not paying some of the other bills would nevertheless be a default.) If you're really worried that the US won't pay its debts, you're in a small minority: the US can currently borrow for 10 years at 2.06%.
I can't say I agree with you Staci. In most applications for mid-level or upper level management it is required to post a range salary in your application. The point is, a prospective employee should do their research as to what salary is appropriate to the level of experience when compared to the level of the position. I recently applied for upper level management from within and was required to list such a range. Odds are that if you took the time to do the proper research, the company has usually done the same and your salary ranges should be somewhat similar.
Love this guide, but since I do not have cable, it's not very useful. I'll most likely watch some of these shows in the future when they come to Hulu or Netflix. There are a couple of money saving shows on over-the-air channels that are also worth checking out. If you have the bunny ears check your local TV channels.
The best investment I ever made was to have our back yard professionally landscaped. We took out some money from our HELOC to make our deary back yard into a space we could use to entertain friends, host birthday parties, holiday cook-outs, etc. We have since (6 yrs ago) paid off the loan and have created many happy memories with family and friends in that beautiful space. Further, having a nice space for parties means we don't have to have our birthday parties at the local playland which is $300 a party. Sometimes now when we're trying to save $, we'll actually host a dinner party outdoors because for less than the price of dining out (family of 5), we can feed and entertain ourselves *and* friends with a delicious bbq all while saving $ and building friendships! I think that's a good return on our investment.
My wife and I did this as soon as we were married in July (I took the lead, but she provided plenty of input). Most importantly, creating a financial plan has brought us much closer together. We are planning for long term goals, and are keeping each other in check with spending. All of our pay goes into one joint account, and we have a detailed list of all necessary bills that we pay. We each get $50 a week for personal spending money that can be used for anything. We have budgeted until the end of next year, and it looks like we'll be able to pay off $40,000 in student loans by the summer.
Great tips! I agree that both partners must be involved and in the know of what is going on with their finances, but another mistake that is made my families is to have the less financially-savvy member take charge of the money. This causes couples to lose money in the long run (think missed investment opportunities).
Social security is a ponzi scheme because it is bankrupt and illegitimate. It's short on money because of a slowing population rate, aging population and mandated entitlement growth. The so-called "trust fund" is nothing more than govt IOUs--if you read the SSA's own FAQ they explain that all money paid into the trust fund by workers is spent immediately through the govt's general fund and replaced with "special securities" which is doublespeak for US Treasuries aka IOUs.
Retirees did pay into a bogus scheme and they're being rewarded for their foolish largess by sapping the productivity of young workers while bankrupting the entire nation.
Make sure to clean your desk if that's were you eat. I recently read that desks have more germs than a toilet seat. Yuck!
I agree with Meg, you need a lunch buddy or else it'll be very sad seeing everyone leaves the office for lunch.
My problem with brown bagging was time (I was super busy!) but it was also difficult to transport my meal without making a mess. Your tip about setting the table is smart!
Hallelujah! I finally see someone other than myself shooting down the "Oh Noes! What about the Baby Boomers! They are draining all the SS!". It seems like no one ever looked into the SS commission that was put together in the 80s that anticipated the issue.
Now, if the War Chest would give back all the money it has "borrowed" from Social Security then we wouldn't have to have this false scare of it not being there for you when you retire...so let's get rid of it! *palm/face*
When our son and daughter-in-law were married in 2005, we gave them a nice check and the book by Elizabeth Warren, All Your Worth. They took it to heart and manage their money according to her advice. It has paid off for them in spades!
Every day for breakfast I eat yogourt, berries, and home made granola. It's easy, healthy and delicious.
Eating eggs is definitely an inexpensive way for breakfast, you should be limiting yourself to no more than 2 eggs a week due to the cholesterol. A great alternative is using egg whites. Just as good and packed with protein.
City Pockets! It's a place to stash all of the daily deals you've purchased, and you can sell ones you have a change of heart on - or buy someone else's.
Other workouts to lose stomach fat that you can do at home include squats and sit-ups. These are the workouts for abs that are done at the gym but you can do them at home without spending hundreds of dollars for a personal trainer. Simply stand in an open area — a lounge room will do — with your arms relaxed by your side and your feet shoulder length apart. Make the motion like you’re going to sit on a chair and go down until your stomach makes a 90 degree angle with your knees. Keep repeating this motion for between five and ten minutes, then alternate with some jogging on the spot of other stretches.
Sit-ups are abs workouts that can be done in the privacy of your own home. A great tip to getting a good workout for your stomach early on in the sit-up process is to hold a heavy ball or package in your hands while you’re doing the sit-ups. This will help to strengthen your core as well as your upper arm muscles.
" Its another step closer to socialism," - a long slow step I guess since Social Security has been making retirment payments since about 1935. When will Social Security tip us into Socialism? :)
I pack my kids lunches every day except Friday - that's the day of the week they are allowed to buy lunch from school. I also pack my husband's lunch. It is much cheaper and healthier. This year I am enjoying the bento method, and I am including more fresh vegetables and fruits in their lunches. So far, so good!
I pack my lunch.
What I find most unfortunate is how uneducated even politicians are. How can people with so many degrees get into power with so little financial common sense? Why is it the governments role to provide for a generation of individuals? Or why did those in power at the time believe they needed a program to pay for the lives of the elderly? I'm not saying they should be put out to pasture, or left hanging, rather, this was never the role the government was meant to play in the first place.
Its another step closer to socialism, which if you have ever studied other countries using that system they have always failed. I think better financial education would have done far more good to help the baby boomers than in effect telling them, "When you're older you'll be taken care of".
This belief only creates entitlement mentality, instead of the people figuring out how to create value in the world, even at an older age. I just hope that sooner rather than later, more people will take it upon themselves to educate themselves instead of looking to businesses and government for their well being.