You don't need extra software for screenshots. Every keyboard has a "Print Screen" (or Prnt Scr) button. Just press that. It copies a screenshot to the clipboard which you can then paste into Word, Outlook, or the free Paint program that comes with all versions of Windows. No extra software required. Alt+Print Screen will capture only the currently open app.
I never buy wrapping paper or holiday cards before the holiday, only the day(s) after at deeply discounted prices. Dec 26 shopping is a great holiday tradition-- it's the only way we have all of the Christmas decorations that we have-- I'd never pay full-price for seasonal items!
"But the mortgage banks decided to mitigate this risk by putting these people in homes they had no chance of being able to afford. They did this because they could fulfill these government mandates and still profit greatly by selling these houses (after the owners foreclosed) at a much higher price than the original mortgage, thanks to inflation of housing prices."
Please check your facts before posting....foreclosures have been a nightmare for most banks due to house price deflation. Foreclosures didn't pick up until after home prices collapsed. If you owned a house and couldn't make the payments, but had a profit due to house price inflation. the rational move would be to sell the house into what was then a hot housing market.
How many corporations would still be around if they were run like our government?? The answer is "none".
The government has failed:
1) To balance the budget despite public outcry against it.
2) Has failed to properly fund Social Security so the future taxes will have to climb precipitously our participants will have to face sharp cuts in benefits.
3) Has driven Medicare to the brink of insolvency
4) Has run the post office to the brink of bankruptcy
5) Amtrak - continue to post huge losses
6) The 'War on Poverty' started in the 60's, yet $tt's later, poverty levels are still on the rise.
This isn't about Dems vs Repugs, both sides are equally at fault...its about an increasingly flawed systems where lobbyists and campaign backers have more pull than the electorate.
I work with DOVE Chocolate and wanted to let you know that we also have amazing sugar free products! For more information on all of the products we have please visit our website at www.dovechocolate.com or follow us on Twitter!
Happy Holidays!
Madison
The DOVE Chocolate Team
Twitter: Dove_Chocolate
"you don't trust the government but you trust a company that's only out for profit?"
The real question is who do you trust least and who do you have the most recourse against. I have been in contact with my representatives, and have only gotten a form letter in response. Representational government only works when our elected officials respresent those who voted for them. In this country, our elected officials appear to be more beholden the the lobbyists and big campaign backers than to the single voters.
At least I can sue an insurance company with some hope of winning.....
The government is better at legislating, not running large complex operations.
Kind of disappointed that all but one of these services/products cost money (and some even have high cost monthly subscriptions - a personal finance cardinal sin). What's even more disappointing is that many of these services have free alternative versions. For instance, SnagIt, has a free alternative product called Jing which is developed by the same company. SocialOomph doesn't sound to be much more advanced than Tweetdeck.
The best way to be prepared in case of parking or speeding tickets, is to not speed or park illegally. This also saves money. According to fueleconomy.gov:
While each vehicle reaches its optimal fuel economy at a different speed (or range of speeds), gas mileage usually decreases rapidly at speeds above 60 mph.
You can assume that each 5 mph you drive over 60 mph is like paying an additional $0.24 per gallon for gas.
The real value of a book is in the reading. it's just as good when it's old as when it's new. Cost wise there is no comparison, used books are very inexpensive. reading is a great joy.
Since the boys are still at home we've made a tradition, (like Andrienne), of getting a new ornament or two for them each year. Tuesday Morning and Pier One are my favorite places, but there have been nice glass ones at Dollar Tree and our local thrift store too. This year we combined one son's stash with a few of the family's to decorate the tree. Lovely.
I buy gift wrap that can be used for other occassions, like last year's red polka dot (birthdays) and gold metalic (weddings).
This year we started using reusable cloth gift bags for the immediate family. I plan to keep my eyes open for appropriate fabric in the discount bins after Christmas and make up a bunch more.
Last year, I needed a new suit jacket for work and was browsing through Banana Republic after Christmas. I found a perfect jacket that had started at $150 and was marked down a lot. After adding in my $10 birthday gift from them, I finally bought the jacket for $17!
I'm opting to stock up on gift wrap and accessories and also some baby items for upcoming showers and baby arrivals. Electronics are always nice too but only if the deals are sweet enough.
You loose a lot of your heat through your feet. Wearing socks (cotton or wool) and slippers around the house will keep you toasty warm. Don't wear your street shoes in the house but have clean socks and slippers to change into. Wearing clean socks to bed is better than throwing on an extra blanket.
I hate going out and shopping so for the most part I buy online. That said I rarely purchase items after Christmas because I am so busy with other things like work to go out buying more stuff.
Traveling for me, is hardly frivolous. That's the problem when associating value with certain things. Everyone is different, and what is important to you, frivolous to you, very well could be different than what I believe.
We love shopping after Christmas. We typically pick up any Christmas lights then since they are almost reasonable in price at that point. We also get gift wrap then for the next year. My favorite purchases have been the gifts wrapped up in holiday wrap that end up clearanced as a result of the packaging. Years ago I bought a great tie rack that way for 75% off - it finally died this year and I am hoping to find a repeat deal at Target this year.
I used to go crazy stocking up on wrapping paper - and as a result, we haven't had to buy any in years and probably won't for a few more years :) But the smartest buy was the gift boxes. I got a whole bunch at WM the morning after Christmas one year and now we reuse and reuse and reuse. Perfect!
Yes, I usually do go shopping the weekend after Christmas because most years I/my family have out-of-town guests who need to be entertained...well, unfortunately living in NJ w/close proximity to NYC = shopping. I would prefer to stay out of the malls altogether but everyone else seems to want to shop. Anyway, these past few yrs I've discovered the joys of buying heavily discounted Christmasy-themed cosmetics and lotions that are perfectly and usable albeit outdated packaging. Also, Christmasy packaged teas and cocoa mixes are my vice.
..So I make sure that I have all the wrapping paper I need (since I only use gold and white to match my tree) and lots of Christmas cards too.
My favorite item to buy is definitely CHOCOLATE! You can get great chocolate at an unbelievable price just because it is wrapped in holiday colors. I'm okay with eating it in red or green for a few months...tastes just as good!
I buy all kinds of things during the post holiday clearance sales!
I have an incredibly legnthy gift list - I fill a load of it during this time - I keep a written list so I don't have to remember any of it and pack it away - cuts down on the rest of my year's shopping.
I buy toys to give as birthday gifts
Housewares for Christmas presents for grownups
Candy and such too [I just gave away two boxes of Godiva with a beautiful Christmas ribbon and ornament tied on - they were still perfect - I know because we opened one last week ourselves LOL]
Holiday decorations - lawn things and house things, ornaments too
You don't need extra software for screenshots. Every keyboard has a "Print Screen" (or Prnt Scr) button. Just press that. It copies a screenshot to the clipboard which you can then paste into Word, Outlook, or the free Paint program that comes with all versions of Windows. No extra software required. Alt+Print Screen will capture only the currently open app.
I never buy wrapping paper or holiday cards before the holiday, only the day(s) after at deeply discounted prices. Dec 26 shopping is a great holiday tradition-- it's the only way we have all of the Christmas decorations that we have-- I'd never pay full-price for seasonal items!
"But the mortgage banks decided to mitigate this risk by putting these people in homes they had no chance of being able to afford. They did this because they could fulfill these government mandates and still profit greatly by selling these houses (after the owners foreclosed) at a much higher price than the original mortgage, thanks to inflation of housing prices."
Please check your facts before posting....foreclosures have been a nightmare for most banks due to house price deflation. Foreclosures didn't pick up until after home prices collapsed. If you owned a house and couldn't make the payments, but had a profit due to house price inflation. the rational move would be to sell the house into what was then a hot housing market.
How many corporations would still be around if they were run like our government?? The answer is "none".
The government has failed:
1) To balance the budget despite public outcry against it.
2) Has failed to properly fund Social Security so the future taxes will have to climb precipitously our participants will have to face sharp cuts in benefits.
3) Has driven Medicare to the brink of insolvency
4) Has run the post office to the brink of bankruptcy
5) Amtrak - continue to post huge losses
6) The 'War on Poverty' started in the 60's, yet $tt's later, poverty levels are still on the rise.
This isn't about Dems vs Repugs, both sides are equally at fault...its about an increasingly flawed systems where lobbyists and campaign backers have more pull than the electorate.
Hi Julie!
I work with DOVE Chocolate and wanted to let you know that we also have amazing sugar free products! For more information on all of the products we have please visit our website at www.dovechocolate.com or follow us on Twitter!
Happy Holidays!
Madison
The DOVE Chocolate Team
Twitter: Dove_Chocolate
"you don't trust the government but you trust a company that's only out for profit?"
The real question is who do you trust least and who do you have the most recourse against. I have been in contact with my representatives, and have only gotten a form letter in response. Representational government only works when our elected officials respresent those who voted for them. In this country, our elected officials appear to be more beholden the the lobbyists and big campaign backers than to the single voters.
At least I can sue an insurance company with some hope of winning.....
The government is better at legislating, not running large complex operations.
This article is very interesting, keep us posting..
Kind of disappointed that all but one of these services/products cost money (and some even have high cost monthly subscriptions - a personal finance cardinal sin). What's even more disappointing is that many of these services have free alternative versions. For instance, SnagIt, has a free alternative product called Jing which is developed by the same company. SocialOomph doesn't sound to be much more advanced than Tweetdeck.
The best way to be prepared in case of parking or speeding tickets, is to not speed or park illegally. This also saves money. According to fueleconomy.gov:
While each vehicle reaches its optimal fuel economy at a different speed (or range of speeds), gas mileage usually decreases rapidly at speeds above 60 mph.
You can assume that each 5 mph you drive over 60 mph is like paying an additional $0.24 per gallon for gas.
The real value of a book is in the reading. it's just as good when it's old as when it's new. Cost wise there is no comparison, used books are very inexpensive. reading is a great joy.
John DeFlumeri Jr
Since the boys are still at home we've made a tradition, (like Andrienne), of getting a new ornament or two for them each year. Tuesday Morning and Pier One are my favorite places, but there have been nice glass ones at Dollar Tree and our local thrift store too. This year we combined one son's stash with a few of the family's to decorate the tree. Lovely.
I buy gift wrap that can be used for other occassions, like last year's red polka dot (birthdays) and gold metalic (weddings).
This year we started using reusable cloth gift bags for the immediate family. I plan to keep my eyes open for appropriate fabric in the discount bins after Christmas and make up a bunch more.
Last year, I needed a new suit jacket for work and was browsing through Banana Republic after Christmas. I found a perfect jacket that had started at $150 and was marked down a lot. After adding in my $10 birthday gift from them, I finally bought the jacket for $17!
I'm opting to stock up on gift wrap and accessories and also some baby items for upcoming showers and baby arrivals. Electronics are always nice too but only if the deals are sweet enough.
I don't buy because buying something I don't need because it is on sale doesn't save me money.
You loose a lot of your heat through your feet. Wearing socks (cotton or wool) and slippers around the house will keep you toasty warm. Don't wear your street shoes in the house but have clean socks and slippers to change into. Wearing clean socks to bed is better than throwing on an extra blanket.
I hate going out and shopping so for the most part I buy online. That said I rarely purchase items after Christmas because I am so busy with other things like work to go out buying more stuff.
Traveling for me, is hardly frivolous. That's the problem when associating value with certain things. Everyone is different, and what is important to you, frivolous to you, very well could be different than what I believe.
We love shopping after Christmas. We typically pick up any Christmas lights then since they are almost reasonable in price at that point. We also get gift wrap then for the next year. My favorite purchases have been the gifts wrapped up in holiday wrap that end up clearanced as a result of the packaging. Years ago I bought a great tie rack that way for 75% off - it finally died this year and I am hoping to find a repeat deal at Target this year.
What do you get for the guy who BUYS everything? I got him tickets to the Harlem Globe Trotters.
I used to go crazy stocking up on wrapping paper - and as a result, we haven't had to buy any in years and probably won't for a few more years :) But the smartest buy was the gift boxes. I got a whole bunch at WM the morning after Christmas one year and now we reuse and reuse and reuse. Perfect!
Yes, I usually do go shopping the weekend after Christmas because most years I/my family have out-of-town guests who need to be entertained...well, unfortunately living in NJ w/close proximity to NYC = shopping. I would prefer to stay out of the malls altogether but everyone else seems to want to shop. Anyway, these past few yrs I've discovered the joys of buying heavily discounted Christmasy-themed cosmetics and lotions that are perfectly and usable albeit outdated packaging. Also, Christmasy packaged teas and cocoa mixes are my vice.
..So I make sure that I have all the wrapping paper I need (since I only use gold and white to match my tree) and lots of Christmas cards too.
My favorite item to buy is definitely CHOCOLATE! You can get great chocolate at an unbelievable price just because it is wrapped in holiday colors. I'm okay with eating it in red or green for a few months...tastes just as good!
I buy all kinds of things during the post holiday clearance sales!
I have an incredibly legnthy gift list - I fill a load of it during this time - I keep a written list so I don't have to remember any of it and pack it away - cuts down on the rest of my year's shopping.
I buy toys to give as birthday gifts
Housewares for Christmas presents for grownups
Candy and such too [I just gave away two boxes of Godiva with a beautiful Christmas ribbon and ornament tied on - they were still perfect - I know because we opened one last week ourselves LOL]
Holiday decorations - lawn things and house things, ornaments too
A $400 leather coat for $100!!!!! I wear that thing everywhere.
Doctors are mor likely to have Porsches
I stock up with a great supply of skin salt scrubs, vitamin E oil etc in Santa jars at 90% off