Good points: I live 1300 miles away from all my family, so that air travel is a fact for me ... and sad, Southwest does not serve these shorter trips, the only place I like to change, but I have long, thick, curly hair. There is no way that one can hold 3 ounces bottles of hair styling products ziplock bag.
My mistake was being young and dumb and not knowing what I wanted to study at college. Not knowing much about finance and credit cards got me into the most trouble at that time. I think I racked up about $10,000 in credit card debt mostly from just paying the minimum balance and didn't understand compounding interest. (I didn't read or understand the fine print). However, a credit card is the easiest means of establishing a credit history, so it is a necessary evil in the credit history world.
After I got my first job, I hired a lawyer (I knew) to negotiate with the my creditors that I would pay off the remaining balance without compounding interest and cease using their cards, or file for bankruptcy. All my creditors choose the prior option.
The result of the negotiation was that I would pay a fixed monthly payment (fixed monthly sum of all my credit cards) to my lawyer, who would then have the hassle of dealing with the creditors. In the end, the negotiation stipulated that I had 48 months to pay off all the debt I had accrued.
I would've never been able to pay off my debt if the compounded interests wasn't waived. For two years, I sacrificed a lot of not going out and staying in, but I learned a valuable lesson about the hard knocks of life no college class ever taught me. Most importantly, I learned a lot about finance and learned how to budget and save.
Last year I was dating a man who refinanced his mortgage for another 30 years (he had paid almost 10 years of an original 30 year loan and only improved his interest rate by .5%), took on a 7-year car loan, and then a 4-year motorcycle loan. He also was trying to maintain fees on keeping a sailboat that was out-of-state. When his sister fell on hard times, he had to take out a cash advance from his credit card to loan his sister & she was indebted to him for $200. I realized he had no liquid cash and was living paycheck to paycheck, barely. This explained all the time we went dutch on dates (because he said he believed in women's equality), why he gave me 2 plastic tumblers for my birthday present the previous year (when I gave him Bose headphones for his), conveniently "forgot" my next birthday and told me "he just didn't believe in giving presents." I ran for the hills: he was 62 and I am 49, debt free except for my mortgage (which I refinanced to a lower rate and shorter term). His sad situation was an eye-opener and made me do things like keep up my already-paid-for car, keep adding to my emergency fund and savings, and pay off credit card bills in full in month--I didn't want to be in his situation when I got to his age.
I have been washing my hair with the baking soda mixture for almost 2 weeks now, I really like it! I didn't have the problem with my hair feeling dry because I have continued using conditioner afterward. I really like the baking soda better than shampoo, my hair seems less dry and frizzy. Also, no matter what shampoo I used, I generally had a sensitive scalp that would get itchy nearly every night. With the baking soda wash, I don't have that problem. Highly recommended!
I come from a science background so have to admit the wiring of my brain has a hard time understanding how homeopathy works. However, considering we only use a small percentage of our brain it's quite possible that our linear thinking of how "real" medicine works is limiting, narrow and sometimes even arrogant. Just because I don't understand it and it doesn't fit into my understanding of how to measure proof - then it's quackery? Homeopathy might be placebo or a combination of placebo and something else that many of us are ignorant to how it works. There are some phenomenal minds out there and throughout history that may have tapped into something that most people can't understand. If you told people in the 1800's that 400+ tons of metal carrying hundreds of people would one day fly in the air - I think they would have thought it quackery. I'm sure most of us don't completely grasp how an airplane stays in the sky but we see it working and we believe it without someone having to do a double blind study to convince us of it's individual active parts. Nor would that be helpful because so many variables keep that thing in the air. In fact this isolation of active ingredients and other variables in conventional science in a world and body or interacting variables impossible to isolate - makes me questions the usefulness of much of science we stake our health decisions on. There are numerous limitations to the empirical evidence derived from scientific double blind studies so it's unfortunate that many people use that as their only barometer of proof or safety.
I'd like to also point out that some of the conventional drugs that make it to market do not fair better than the placebo group in the double blind, clinical trials - especially in the anti-psychotic/anti-depressant arena and I'd guess that many others don't either. Considering the side effects of some conventional drugs have destroyed lives - I think the lack of side effects with homeopathy is understated above. I've lost one family member to cancer who did all the conventional treatments and it was a crappy way to spend the last 7 months of his life. I know it helps some people and depending on the kind of cancer I had - maybe I'd do it however this idea that people using homeopathy for something terminal are avoiding life saving conventional treatments is misleading to say the least. For many cancers the conventional treatments are prolonging life by a period of months - and they deal with the horrible side effects.
I think people need to be careful how they share their opinions. If I ever get cancer I would likely not go the chemo/radiation route after watching my family member go through it - however I would never tell someone that it's crap if they choose that path. Knowing the placebo effect is such a powerful thing - I don't want my ego and need to be right to effect the outcome of any treatment for someone else. There are plenty of other causes out there to put our energies to where we know we are making a positive difference and not causing anyone harm.
My own personal experience with homeopathics has been that it works sometimes but I'm not always sure how to use them and people using them incorrectly, especially thinking more is better can make them less effective. The other consideration is that improper storage of them can make them ineffective so that could be a factor in why they don't work for everyone. Recently my husband and I both got flu at the same time. With some homeopathics, healthy food and a good sleep I was better in less than 24 hrs. My husband did the antibiotics and painkillers and is still a mess over a week later. He's doing the homeopathics now which are either slowly working or the antibiotics kicked in later or his body did - I don't know but he still looks awful. I'm guessing starting the homeopathics early would be more effective.
Lastly my daughter at 3 years old had a bad case of pinworms. I didn't want to use the oral pesticide for family health history reasons so was going the ultra hygiene way of clearing them each night and bathing her each morning which would take weeks to interrupt the cycle this way. I did this for about 4 days which was becoming too time consuming. Went to see a homeopath - gave her the medicine and the following evening not a sign of them. Interestingly they took longer to work the next time she had a case - but not sure if I administered them correctly.
Between Dollar Tree for necessities and Aldi for groceries, you can save lots of money without really trying. Again, prices at both places can occasionally be beaten by sales at the local chains, but day in and day out, Dollar Tree provides exceptional value.
Just do it! My husband and I have been diving for a year and are eating healthier than ever. You just have to be smart about what you are taking: don't take things with mold on them, don't take things that smell too funky, don't take things with icky goo on them. After a few trips you will be able to tell what is good and what isn't; you aren't forced to take anything that you wouldn't feel comfortable eating. We always wash all of the produce (trunk loads!) and toss anything that looks bad. Once we got 15 lbs of strawberries..froze them for smoothies for a year!
If you are nervous about making the leap to food, start out small! I recommend Bed, Bath and Beyond, and Borders (esp since they are currently going out of business), and other like stores. We have gotten huge First Aid Kits with only the ibuprofen expired, an entire knife set, bathroom scale, magazines, book shelves, and trunks and trunks more for us and to give to friends.
As far as feeding your kids with it, use you best judgement regarding what you find. I would do it! I would at least try it just to see!
I wish I had learned by lesson at age 17! Age 17 is when I first realized what credit was. I bought a car - my dad co-signed and the credit union also gave me a credit card, thankfully with only a $250 limit. I had NO idea how credit cards worked. I actually thought that they put another $250 on it every month for me to spend. Talk about clueless! This didn't stop me from getting more cards and maxing them out. Around 19 or 20 I actually paid off all my debt - around $3000 worth. To celebrate I went to the mall and spent $1000. Oops! It took me the next 10 years and a failed marriage to realize how to be financially responsible. I am HAPPY to say I will be debt free in 3 months. :-)
I know I am in the minority here, but if it meant a dollar or two per person to get us back on track, I would donate. I agree with a lot of the comments, but I really believe that the government is a reflection of us. Whether one agreed or not with the decisions of the past 11 years, we all bear the responsibility of our country's actions.
On the other hand, I wouldn't mind seeing the banks "bail out" our government.
I agree with these. A good quality item doesn't always have to be super expensive.
Great list! I agree with everything especially soft toilet paper!
what is the soft toilet paper brand that you recommend? hehe i just wonder =)
This is what I need
Really Good suggestions here.
Mysha, your article is brilliant. Lot of good ideas, thanks.
Good points: I live 1300 miles away from all my family, so that air travel is a fact for me ... and sad, Southwest does not serve these shorter trips, the only place I like to change, but I have long, thick, curly hair. There is no way that one can hold 3 ounces bottles of hair styling products ziplock bag.
How much extra weight are you talking about?
My mistake was being young and dumb and not knowing what I wanted to study at college. Not knowing much about finance and credit cards got me into the most trouble at that time. I think I racked up about $10,000 in credit card debt mostly from just paying the minimum balance and didn't understand compounding interest. (I didn't read or understand the fine print). However, a credit card is the easiest means of establishing a credit history, so it is a necessary evil in the credit history world.
After I got my first job, I hired a lawyer (I knew) to negotiate with the my creditors that I would pay off the remaining balance without compounding interest and cease using their cards, or file for bankruptcy. All my creditors choose the prior option.
The result of the negotiation was that I would pay a fixed monthly payment (fixed monthly sum of all my credit cards) to my lawyer, who would then have the hassle of dealing with the creditors. In the end, the negotiation stipulated that I had 48 months to pay off all the debt I had accrued.
I would've never been able to pay off my debt if the compounded interests wasn't waived. For two years, I sacrificed a lot of not going out and staying in, but I learned a valuable lesson about the hard knocks of life no college class ever taught me. Most importantly, I learned a lot about finance and learned how to budget and save.
tweeted http://twitter.com/#!/oshkoshbgosh123/status/106608750676283395
i like wisebread on facebook
i would not donate to the government. they are already taking a lot from my paycheck!!
If I had lots of extra money maybe, but they also need to clean up their act and cut all the stupid excesses that they have.
Last year I was dating a man who refinanced his mortgage for another 30 years (he had paid almost 10 years of an original 30 year loan and only improved his interest rate by .5%), took on a 7-year car loan, and then a 4-year motorcycle loan. He also was trying to maintain fees on keeping a sailboat that was out-of-state. When his sister fell on hard times, he had to take out a cash advance from his credit card to loan his sister & she was indebted to him for $200. I realized he had no liquid cash and was living paycheck to paycheck, barely. This explained all the time we went dutch on dates (because he said he believed in women's equality), why he gave me 2 plastic tumblers for my birthday present the previous year (when I gave him Bose headphones for his), conveniently "forgot" my next birthday and told me "he just didn't believe in giving presents." I ran for the hills: he was 62 and I am 49, debt free except for my mortgage (which I refinanced to a lower rate and shorter term). His sad situation was an eye-opener and made me do things like keep up my already-paid-for car, keep adding to my emergency fund and savings, and pay off credit card bills in full in month--I didn't want to be in his situation when I got to his age.
I have been washing my hair with the baking soda mixture for almost 2 weeks now, I really like it! I didn't have the problem with my hair feeling dry because I have continued using conditioner afterward. I really like the baking soda better than shampoo, my hair seems less dry and frizzy. Also, no matter what shampoo I used, I generally had a sensitive scalp that would get itchy nearly every night. With the baking soda wash, I don't have that problem. Highly recommended!
if the system we have does not work why keep it going with donations no I will let this fix it's self with restructuring
I would add cheese to the list, as well as sandwiches. Even jam sandwiches on a heavy grain bread are not too bad.
I was going to try the breakfast cookies with a bit of jam in a hollow in the top.
I come from a science background so have to admit the wiring of my brain has a hard time understanding how homeopathy works. However, considering we only use a small percentage of our brain it's quite possible that our linear thinking of how "real" medicine works is limiting, narrow and sometimes even arrogant. Just because I don't understand it and it doesn't fit into my understanding of how to measure proof - then it's quackery? Homeopathy might be placebo or a combination of placebo and something else that many of us are ignorant to how it works. There are some phenomenal minds out there and throughout history that may have tapped into something that most people can't understand. If you told people in the 1800's that 400+ tons of metal carrying hundreds of people would one day fly in the air - I think they would have thought it quackery. I'm sure most of us don't completely grasp how an airplane stays in the sky but we see it working and we believe it without someone having to do a double blind study to convince us of it's individual active parts. Nor would that be helpful because so many variables keep that thing in the air. In fact this isolation of active ingredients and other variables in conventional science in a world and body or interacting variables impossible to isolate - makes me questions the usefulness of much of science we stake our health decisions on. There are numerous limitations to the empirical evidence derived from scientific double blind studies so it's unfortunate that many people use that as their only barometer of proof or safety.
I'd like to also point out that some of the conventional drugs that make it to market do not fair better than the placebo group in the double blind, clinical trials - especially in the anti-psychotic/anti-depressant arena and I'd guess that many others don't either. Considering the side effects of some conventional drugs have destroyed lives - I think the lack of side effects with homeopathy is understated above. I've lost one family member to cancer who did all the conventional treatments and it was a crappy way to spend the last 7 months of his life. I know it helps some people and depending on the kind of cancer I had - maybe I'd do it however this idea that people using homeopathy for something terminal are avoiding life saving conventional treatments is misleading to say the least. For many cancers the conventional treatments are prolonging life by a period of months - and they deal with the horrible side effects.
I think people need to be careful how they share their opinions. If I ever get cancer I would likely not go the chemo/radiation route after watching my family member go through it - however I would never tell someone that it's crap if they choose that path. Knowing the placebo effect is such a powerful thing - I don't want my ego and need to be right to effect the outcome of any treatment for someone else. There are plenty of other causes out there to put our energies to where we know we are making a positive difference and not causing anyone harm.
My own personal experience with homeopathics has been that it works sometimes but I'm not always sure how to use them and people using them incorrectly, especially thinking more is better can make them less effective. The other consideration is that improper storage of them can make them ineffective so that could be a factor in why they don't work for everyone. Recently my husband and I both got flu at the same time. With some homeopathics, healthy food and a good sleep I was better in less than 24 hrs. My husband did the antibiotics and painkillers and is still a mess over a week later. He's doing the homeopathics now which are either slowly working or the antibiotics kicked in later or his body did - I don't know but he still looks awful. I'm guessing starting the homeopathics early would be more effective.
Lastly my daughter at 3 years old had a bad case of pinworms. I didn't want to use the oral pesticide for family health history reasons so was going the ultra hygiene way of clearing them each night and bathing her each morning which would take weeks to interrupt the cycle this way. I did this for about 4 days which was becoming too time consuming. Went to see a homeopath - gave her the medicine and the following evening not a sign of them. Interestingly they took longer to work the next time she had a case - but not sure if I administered them correctly.
Between Dollar Tree for necessities and Aldi for groceries, you can save lots of money without really trying. Again, prices at both places can occasionally be beaten by sales at the local chains, but day in and day out, Dollar Tree provides exceptional value.
My phone doesn't have an Antenna Block on it. I have a Motorola Cliq 2. Maybe you could tell me where to find it?
Just do it! My husband and I have been diving for a year and are eating healthier than ever. You just have to be smart about what you are taking: don't take things with mold on them, don't take things that smell too funky, don't take things with icky goo on them. After a few trips you will be able to tell what is good and what isn't; you aren't forced to take anything that you wouldn't feel comfortable eating. We always wash all of the produce (trunk loads!) and toss anything that looks bad. Once we got 15 lbs of strawberries..froze them for smoothies for a year!
If you are nervous about making the leap to food, start out small! I recommend Bed, Bath and Beyond, and Borders (esp since they are currently going out of business), and other like stores. We have gotten huge First Aid Kits with only the ibuprofen expired, an entire knife set, bathroom scale, magazines, book shelves, and trunks and trunks more for us and to give to friends.
As far as feeding your kids with it, use you best judgement regarding what you find. I would do it! I would at least try it just to see!
I wish I had learned by lesson at age 17! Age 17 is when I first realized what credit was. I bought a car - my dad co-signed and the credit union also gave me a credit card, thankfully with only a $250 limit. I had NO idea how credit cards worked. I actually thought that they put another $250 on it every month for me to spend. Talk about clueless! This didn't stop me from getting more cards and maxing them out. Around 19 or 20 I actually paid off all my debt - around $3000 worth. To celebrate I went to the mall and spent $1000. Oops! It took me the next 10 years and a failed marriage to realize how to be financially responsible. I am HAPPY to say I will be debt free in 3 months. :-)
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I know I am in the minority here, but if it meant a dollar or two per person to get us back on track, I would donate. I agree with a lot of the comments, but I really believe that the government is a reflection of us. Whether one agreed or not with the decisions of the past 11 years, we all bear the responsibility of our country's actions.
On the other hand, I wouldn't mind seeing the banks "bail out" our government.
Nope--the rich Congress members need to raise taxes on their rich friends and rich large campaign donating corporations.