It's 50/50 for me. Half the time I remember to pack my lunch and the other half I either don't have time or forget to grab it on my way out the door. I also find that I often eat more healthy foods when I buy them onsite. For example, I'll load up on salad from the salad bar rather than just brining a sandwich from home.
The smartest investment I ever made was purchasing a home in New Jersey when I was just 24 years old, before the prices skyrocketed. When I sold I made quite a tidy profit, that I was able to use as a large down payment on the next house. I was the first of my friends to become a homeowner when many in NJ couldn't afford to buy.
I usually bring my lunch, but sometimes I go through phases where I buy every day! Today I'm treating myself to lunch out since I'm going to run errands on the lunch hour.
The smartest invest I made was for a set of external hard-drives. I learned the hard way that you should always have a back-up for your computer - especially if you use it for a business.
I agree 1000% yes one thousand percent! this is nothing but being greedy and a fool! I live in Canada where we have laws against that kind of thing. A coupon in most cases has a limit of one per customer and can't be combined with other offers. Why would a person wish to clear a shelf when other people are in need too....... I would feel really bad taking food from the mouth of a hungry mother and child who are in the store to spend their last dollar on supper only to discover that their store is out. I know how this is because it has happened to me before, I went into a store with my last dollar just to get something and they were out, not due to thieves who steal from people who need it but just because of demand, which is how it should be. And one more thing....... how do they keep making this show? it's the same thing every time a greedy person who hords steals hundreds of dollars of food away from people who need it and then they break the till and go home.....
Thank you so much for sharing your experience. I too am in the midst of losing my home. With this comes feelings of failure, shame, and stupidity. It helps to hear from others going through the same situation. It helps to see you are not alone in this.
I could not give a crap about the ""environment""...the trillions of insects/chemical producing sea creatures on "Mother Earth" produce a larger amount of toxic chemicals (killing eachother, birds, animals, humans and sealife) in 1 Day than all nations/companies/militaries/medical facilities/etc. do in a 2 Year period.
It is clear that "nature" is a bigger threat to "nature" than we "humans" are.
American Waste...such as rope, twine, bottles (Glass and Plastics), nylon, metal cans, plastic bags, polymers and other items which are dumped into the ocean and find thier way into Third World countries SAVE LIVES. These pieces of garbage are used in 100's of different ways (especially in South America and by the South Pacific Islander nations). Africans do recieve these items through different ocean currents...but seem to just sit under trees starving to death waiting for a U.N. handout rather than making use of the trash they have access to.
The smartest investment I've ever made was deciding to go back to school to pursue an Architecture degree. It's currently putting me thousands of dollars in debt, but for the first time in my academic life, I can honestly say that I'm truly happy with my decisions and the direction in which I'm going.
The smartest investment I've made was to purchase a high end luxury car at well below book value, very well made, used (9 years old) ....a one owner with very low mileage ...that has performed like a champ for me for the last six years with no maintenance other than an oil and filter change.
The best career advice I've ever read is contrary to most career advice: Work hard to gain mastery of a subject or skill, and the interest or passion will follow - rather than vice versa.
I'd have to say purchasing our first house that needed a lot of work. I got a great deal and I fixed the house. Even in this current housing market, I'm still coming out ahead.
I hope this isn't too cliche but I'm going to say my marriage. When our first child was born, it was tempting to make life all about the baby, but my husband and I really worked at keeping our relationship close and even though our child is still in elementary school, I can see the day not *that* far off in the future when our next is empty and we have hopefully decades together still. The investment we made in our relationship is already paying off, since we have more "couple time" now, and it will really pay off when it's just the two of us again. Thank you for the giveaway!
this is exactly why i have chosen not to buy a home. i may always be a renter which at the moment is perfectly fine with me. i am a single female. as a renter i do not have to worry about maintenance, a yard, property taxes, etc. i am so, so, SO glad that i did not buy a home when others kept telling me to do so about 5 years ago! i knew what i could afford and a home (with a mortgage) just wasn't it.
In addition to Mindless Eating, a must-read is The Portion Teller. Both are excellent books. My way to keep the portions reasonable when dining out is to ask for the to-go box as soon as I start eating. I pack up enough for another meal and always have enough left on my plate to satisfy a normal appetite.
seriously, i think you're sense of self-righteousness will definitely have you suffereing from embarrassment one day.
My question to people like you: If the bank decides to close your account because you *MAY* be a risk to them, its ok. If a LLC decides to walk away from a rental property, when they already own 14, because cost to repair isnt fiscally sound, its ok. If a person walks away from their house investment, all of a sudden you're disgusted with them? I think you're arrogant and sanctimonious AND HYPOCRITICAL, and honestly not someone I would want to be around.
And, if you were living in a house that was overvalued by 120k, and had to make 60k worth of repairs, i know for a FACT you would walk away too, so walk a mile in someone else's shoe, you'll sound like less of a fool.
The very best investment I ever made was in myself! A few years ago, I was a divorced mom with few prospects. I took my last bit of money and started my own business. It was slow going at first, but I am making a decent life for us!
Hi Maggie! Im 29, lost my first house to foreclosure (not knowing everything i should have known), but I now own 2 properties, one bought with cash. I had to take the hit to my credit, although a year later its getting right on track. I HAD to lose that house to learn the lesson I now know. So, as I wait the requisite 4 years for when I can get a conventional loan again (at higher premium), Ive learned the REAL value of homes, how to buy only what you can afford, and to NOT be gullible again. I am on my way to early retirement now, but its all because of what I learned going through foreclosure.
For those that judge others, if someone decides to walk away, you have no right to judge them. They are suffering the consequences, and you shouldnt be casting any stones. This can definitely happen to anyone.
Dobie, you're personalizing lenders just the way they want you to.
There used to be a similar compact with employment in this country -- you stayed at a company for years -- decades, even -- as long as you wanted to and as long as you kept your nose clean. America grew fat and happy on this plan. Now, the incessant drive for quarterly profits (even at the expense of long-term prospects) gets rid of older employees simply because they're more expensive than younger employees; entire lines of business are sold off or dissolved because the powers that be don't like the percentage of profit being made. It took a while, but most American workers wised up and realized they had to take care of their own careers -- and that it was gravy for the employer if their staff stuck around long enough for them to earn back any investment in the employee.
And now this is happening with "strategic default". Tried to talk with your lender about restructuring your mortgage payments when one of you loses your job? Had to sell a house recently due to illness or death or divorce and couldn't wait however many years it will take for housing prices to approach where they were? You'll find that "good faith" you mentioned has vanished into thin air.
We did our bit with an appropriate down payment and regular mortgage payments. We improved the house year by year, in a way that most people would find attractive. Then, in 2009, we had to sell the place. The price of the house declined every few months for more than a year as it got showings but no offers. Our house was competing with half-a-dozen similar homes already on the market and a growing number of short sales and foreclosures.
We ran the numbers: there was no way we could rent it at a market rate and not keep losing money, and, based on market projections, there was no way we'd ever make back in the sale price a few years of mortgage payments for a house we couldn't occupy. So ... forget about saving for retirement and other major expenses (car repairs, etc.)? Or realize that the market had been gamed by many people who chose NOT to deal in good faith, and walk away?
A mortgage is a business deal. The lender makes plenty after your 15 or 30 years of payments. If they have helped manipulate the market to a loss, they certainly can share in that grief, too.
we're make-lunchers. There's no place in town to get a non-deep fried lunch anyways.
It's 50/50 for me. Half the time I remember to pack my lunch and the other half I either don't have time or forget to grab it on my way out the door. I also find that I often eat more healthy foods when I buy them onsite. For example, I'll load up on salad from the salad bar rather than just brining a sandwich from home.
The smartest investment I ever made was purchasing a home in New Jersey when I was just 24 years old, before the prices skyrocketed. When I sold I made quite a tidy profit, that I was able to use as a large down payment on the next house. I was the first of my friends to become a homeowner when many in NJ couldn't afford to buy.
I always pack my lunch. Better food and cheaper!
I Like you on Facebook as Selene Montgomery
We're retired, so no work issues. If we're home, we eat lunch at home. If we're traveling, we pack a sandwich and eat while moving.
kg4rmt at arrl dot net
The easiest way to avoid this is to not buy appliances from Best Buy in the first place.
I usually bring my lunch, but sometimes I go through phases where I buy every day! Today I'm treating myself to lunch out since I'm going to run errands on the lunch hour.
The smartest invest I made was for a set of external hard-drives. I learned the hard way that you should always have a back-up for your computer - especially if you use it for a business.
I agree 1000% yes one thousand percent! this is nothing but being greedy and a fool! I live in Canada where we have laws against that kind of thing. A coupon in most cases has a limit of one per customer and can't be combined with other offers. Why would a person wish to clear a shelf when other people are in need too....... I would feel really bad taking food from the mouth of a hungry mother and child who are in the store to spend their last dollar on supper only to discover that their store is out. I know how this is because it has happened to me before, I went into a store with my last dollar just to get something and they were out, not due to thieves who steal from people who need it but just because of demand, which is how it should be. And one more thing....... how do they keep making this show? it's the same thing every time a greedy person who hords steals hundreds of dollars of food away from people who need it and then they break the till and go home.....
Thank you so much for sharing your experience. I too am in the midst of losing my home. With this comes feelings of failure, shame, and stupidity. It helps to hear from others going through the same situation. It helps to see you are not alone in this.
I could not give a crap about the ""environment""...the trillions of insects/chemical producing sea creatures on "Mother Earth" produce a larger amount of toxic chemicals (killing eachother, birds, animals, humans and sealife) in 1 Day than all nations/companies/militaries/medical facilities/etc. do in a 2 Year period.
It is clear that "nature" is a bigger threat to "nature" than we "humans" are.
American Waste...such as rope, twine, bottles (Glass and Plastics), nylon, metal cans, plastic bags, polymers and other items which are dumped into the ocean and find thier way into Third World countries SAVE LIVES. These pieces of garbage are used in 100's of different ways (especially in South America and by the South Pacific Islander nations). Africans do recieve these items through different ocean currents...but seem to just sit under trees starving to death waiting for a U.N. handout rather than making use of the trash they have access to.
The smartest investment I've ever made was deciding to go back to school to pursue an Architecture degree. It's currently putting me thousands of dollars in debt, but for the first time in my academic life, I can honestly say that I'm truly happy with my decisions and the direction in which I'm going.
The smartest investment I've made was to purchase a high end luxury car at well below book value, very well made, used (9 years old) ....a one owner with very low mileage ...that has performed like a champ for me for the last six years with no maintenance other than an oil and filter change.
The best career advice I've ever read is contrary to most career advice: Work hard to gain mastery of a subject or skill, and the interest or passion will follow - rather than vice versa.
I'd have to say purchasing our first house that needed a lot of work. I got a great deal and I fixed the house. Even in this current housing market, I'm still coming out ahead.
I hope this isn't too cliche but I'm going to say my marriage. When our first child was born, it was tempting to make life all about the baby, but my husband and I really worked at keeping our relationship close and even though our child is still in elementary school, I can see the day not *that* far off in the future when our next is empty and we have hopefully decades together still. The investment we made in our relationship is already paying off, since we have more "couple time" now, and it will really pay off when it's just the two of us again. Thank you for the giveaway!
this is exactly why i have chosen not to buy a home. i may always be a renter which at the moment is perfectly fine with me. i am a single female. as a renter i do not have to worry about maintenance, a yard, property taxes, etc. i am so, so, SO glad that i did not buy a home when others kept telling me to do so about 5 years ago! i knew what i could afford and a home (with a mortgage) just wasn't it.
In addition to Mindless Eating, a must-read is The Portion Teller. Both are excellent books. My way to keep the portions reasonable when dining out is to ask for the to-go box as soon as I start eating. I pack up enough for another meal and always have enough left on my plate to satisfy a normal appetite.
seriously, i think you're sense of self-righteousness will definitely have you suffereing from embarrassment one day.
My question to people like you: If the bank decides to close your account because you *MAY* be a risk to them, its ok. If a LLC decides to walk away from a rental property, when they already own 14, because cost to repair isnt fiscally sound, its ok. If a person walks away from their house investment, all of a sudden you're disgusted with them? I think you're arrogant and sanctimonious AND HYPOCRITICAL, and honestly not someone I would want to be around.
And, if you were living in a house that was overvalued by 120k, and had to make 60k worth of repairs, i know for a FACT you would walk away too, so walk a mile in someone else's shoe, you'll sound like less of a fool.
The very best investment I ever made was in myself! A few years ago, I was a divorced mom with few prospects. I took my last bit of money and started my own business. It was slow going at first, but I am making a decent life for us!
Hi Maggie! Im 29, lost my first house to foreclosure (not knowing everything i should have known), but I now own 2 properties, one bought with cash. I had to take the hit to my credit, although a year later its getting right on track. I HAD to lose that house to learn the lesson I now know. So, as I wait the requisite 4 years for when I can get a conventional loan again (at higher premium), Ive learned the REAL value of homes, how to buy only what you can afford, and to NOT be gullible again. I am on my way to early retirement now, but its all because of what I learned going through foreclosure.
For those that judge others, if someone decides to walk away, you have no right to judge them. They are suffering the consequences, and you shouldnt be casting any stones. This can definitely happen to anyone.
Dobie, you're personalizing lenders just the way they want you to.
There used to be a similar compact with employment in this country -- you stayed at a company for years -- decades, even -- as long as you wanted to and as long as you kept your nose clean. America grew fat and happy on this plan. Now, the incessant drive for quarterly profits (even at the expense of long-term prospects) gets rid of older employees simply because they're more expensive than younger employees; entire lines of business are sold off or dissolved because the powers that be don't like the percentage of profit being made. It took a while, but most American workers wised up and realized they had to take care of their own careers -- and that it was gravy for the employer if their staff stuck around long enough for them to earn back any investment in the employee.
And now this is happening with "strategic default". Tried to talk with your lender about restructuring your mortgage payments when one of you loses your job? Had to sell a house recently due to illness or death or divorce and couldn't wait however many years it will take for housing prices to approach where they were? You'll find that "good faith" you mentioned has vanished into thin air.
We did our bit with an appropriate down payment and regular mortgage payments. We improved the house year by year, in a way that most people would find attractive. Then, in 2009, we had to sell the place. The price of the house declined every few months for more than a year as it got showings but no offers. Our house was competing with half-a-dozen similar homes already on the market and a growing number of short sales and foreclosures.
We ran the numbers: there was no way we could rent it at a market rate and not keep losing money, and, based on market projections, there was no way we'd ever make back in the sale price a few years of mortgage payments for a house we couldn't occupy. So ... forget about saving for retirement and other major expenses (car repairs, etc.)? Or realize that the market had been gamed by many people who chose NOT to deal in good faith, and walk away?
A mortgage is a business deal. The lender makes plenty after your 15 or 30 years of payments. If they have helped manipulate the market to a loss, they certainly can share in that grief, too.
They CAN do that. It doesn't mean that they will.
Goodbye! No one will miss you. Take your anger and enjoy it all by yourself, on other blogs, with other angry people who have no empathy.