Whenever we go out my wife always gets offered free drinks if she is separated from me in the bar for whatever reason and she always accepts the offers but says that I want one too!
So far, everyone who has hit on her has seen the funny side when I step into the picture but we only get one free drink each before it falls flat!
I find that the best way I can find room in my head to think is to go for a long walk without my cell and I find that by the time I get back home, I have a clearer idea of what I need to do and how.
Great tip. I've actually recommended it to a close friend and the creative possibilities that were opened for that person were a major surprise.
Try to include your To-Be's in that list, and not only To-Do's.
Subscribed, stumbled, and RT'd.
A lot of the people who do Telemarketing are unable to shovel snow or cut the grass. Some are kids trying to pay their way through collage by working a part time job or a single mom who has a low education and has no other option. To me any job that is not against the law is as you put it an "Honorable JOB!" Just because you do not like the job does not make it a bad job or something someone should be ashamed of doing!
I was a single mother with 3 kids and trust me I would have been very happy to sit in a chair in a call center and call YOU every night so I could put food in my children's tummies!!!!
Like everyone say just don't answer the phone or ask to be put on their do not call list. For goodness sake, try to show some compassion & respect for a fellow human!
After signing up on the do not call list and then also going through each place we do business with and call to not give our info to 3rd party affiliates the phones pretty much stopped. Now any call that comes in I look up on google and it usually comes up as a scam call or someone spoofing a legitimate phone number. We screen those now with our voice mail. With a senior in the household we get our share of the shady calls for donations as we seem to have ended up on a senior sucker list.
There are a lot of these sites now but most phone numbers I look up on google tend to be listed on http://whocalled.us/
This article is so enlightening I actually shed a tear. I have just become at peace with myself and am now sympathizing with my junk mail. Some real person actually mailed this to me. I just can't treat it like the trash that it is. That would just be so evil. Ohhh give me a moment while I dry my eyes....
Okay, I'm sitting by the phone right now, anticipating a live telemarketer's angelic voice. My evening will not be complete until I am blessed with the opportunity to purchase the unknown treasure which I have unknowingly been deprived of for so long.
OUCH! I just slapped the sense back into myself. For a moment there I almost gave sympathy and respect to a total stranger for the simple fact they are a person with a job.
Sarcasm OFF: Telemarketers get the same treatment as my junk mail. Well sort of. I don't yell at my junk mail before I shred it.
I let them start their spiel, then set the phone down on the counter or bed, and walk away. When I hear the dial tone, I hang up the phone. The only time they're wasting is their own.
For fruit that's past its prime, you can also make butters, jams, jellies, preserves and pastes in addition to smoothies. Or freeze it for use later in baking projects.
Also.. I had VPI briefly, I found it pretty worthless since they didn't cover anything they should have...
On the other hand I have a friend who says its been awesome for her, one of her cats has gotten sick several times from swollowing strings, floss, rubber bands and they covered that expense.
Insurance is a gamble, I've chosen to create a 'pet emergency account' as one of my ING accounts to cover most things, their regular care is all budgetted. The emergency account isn't fully built up yet but once it is I'll feel that they are taken care of and I'll know how far I can go in spending on medical care for them.
I figure with pets that once you take on the responsibility they rely on and trust you to take good care of them, they believe completely that you'll make them better. A car doesn't care that it has a dent in it, but no one questions the cost of fixing that, yet people are always saying 'its just a cat/dog' when you spend the same amount making them feel better. A pet improves your life, your health and mental well-being.
re the response from Kitty Doggins: Getting pure bred 'vanity' pets from a breeder or pet store and letting your pets is self-indulgence and perpetuating a system that doesn't work but domesticated animals should have homes and good lives. Get your pet from someone who can't keep theirs, a animal rescue group or a shelter (cheaper anyway) and make sure they're fixed. You're saving a life that will benefit yours. I have two cats and a bird that were all rescues, none will have litters/young, the bird cost a little from the shelter, the cats I found on the street (and was unable to find their owners).. As a single woman in an expensive city it means I'm more content to stay home with their company rather than just going out for the sake of having life around me.
Re this list: I really recommend getting a water fountain, cats don't like stale water, mine completely ignored their water dish but would come running for the sink when it was dripping until I got the fountain. What little it costs me in electricity (I only run it during the day) will likely save me when it comes to urinary tract infections in my male cat and helps with the female cat's hairballs, will likely help both avoid kidney problems and diabetes so it will save me in medical costs, helps me cut down on expensive wet food and keeps them healthy and happy.
I'd really agree on the comment to get your fitness up before you tackle London. It would also be worth picking up an A-Z (you can get a compact version from newsagents or street vendors) so that you can get an appreciation for how things (especially the centre of London) fit together so that you're not catching and changing on the the tube to get somewhere that's 500 metres away from your destination.
Also, try and see if there's a bus to your destination rather than the tube, as its so much nicer to see where you're going rather than taking the tube.
*Don't get the Heathrow Express from the airport. Its a rip-off - just get the tube which also goes to Heathrow. If you're flying in/out from one of the other airports (Luton, Gatwick, Stansted) check as many of the other ground transport options as the train is ridiculously expensive.
*If you're out and about and want some lunch a lot of British supermarkets such as Marks and Spencer do pre-packaged sandwiches which are quite reasonably priced. Obviously you can make your own. For something a bit heartier, pubs and some restaurants have lunchtime specials.
*I found lastminute.com's British site really handy for buying tickets for plays and musicals. Start looking when you know what dates you're going to be there and sign up to their newsletter. The cheaper tickets are often for weeknights or matinees, but I rarely paid more than 10 or 15 pounds for all of the big shows.
*If you are travelling outside of London - for any longer journeys try and book your tickets well in advance so you can get the discounted seats.
*If you want to see some football (soccer), for the more popular teams, try and keep an eye out for early rounds of cup ties (FA Cup or Carling Cup) as these are not usually as popular as the regular games where you'll often have trouble getting a ticket and if you do it'll be very expensive. If you are just going for the atmosphere maybe try a lower division team where you'll get lots of true fans which will contribute more to the atmosphere rather than the premiership where a lot of fans are happy to sit back and be entertained. Do your research though as if you're not a hardcore fan you probably don't want to turn up to a West Ham-Millwall cup tie.
I don't understand why anyone would care about telemarketers who are intruding and forcing their way into my home without an invitation. Leave me along - get a decent job - this is an ignorant occupation meant to prey on the lonely and uneducated. How do these telemarketers live with themselves?
This new 6,500 credit will definately make me more motivated about moving into a larger and much needed home than I previously have been.Finally something to help the lower middle class income worker!We struggle to get by without all the perks of those with lower incomes and those who have enough and don't need the perks.
I bought my first house this summer. The tax credit is already spent at the ACE hardware, Home Depot, Crate and Barrel, and at local reupholsterer. Between fixing the previous houseowner's stupid houseflip fubars and buying curtains that I like, I'd say that I'm pretty confident that this $8000 has gone straight from the IRS into the local economy.
I guess I was a fool for buying my house in late 2008. Hell at that time, they weren't even discussing a 2009 credit. I guess the financial bailout to Banks and the impending doom was too great of focus. I'm not really complaining about the credit, but I wince every time I hear the 8,000 tax credit for this year and now into the next brought up. It seems like it passes my ears at least once a day, do to various forms of media hype, like if you didn't saturate the media enough, people might now find out about this credit.
I think that this credit is somewhat a continuance of the ill advised policies that lead to the housing bubble. Just because someone can't afford a house/new car/bank implosion doesn't mean we should support them so they can. Some ppl are never meant to be homeowners and the like, but that isn't politically popular.
For those of you who want to look your best and not spend " a fortune" at the cleaners, try this. Wash your washables at home and then bring them to the cleaners to be pressed. At most places this is a forty percent discount service. Additionally, have your sweaters "cleaned only". Also a big savings and you can delint them yourself.
It pains me to think what your wardrobe must look like with the care that it has received. If you had found a reputable dry cleaner you would not have to deal with any button issues. The next time you hand wash your silk blouse and try to finish it yourself, please take a good hard look at what the result is in the mirror. The people who care what they look like will gladly pay for skilled service and feel that the cost is justified.
I think the move-up credit will do very little to stimulate the jumbo loan 400K plus housing market. Which at the current time is all but frozen and is compounded by the fact that banks are sitting on huge shadow inventories. Banks have little incentives to loan these days (with LIBOR and interbank rates so low and spreads high.. this on top of crumbling balance sheets). Home owners who have larger mortgages and a bit of equity having lived in a residence 5+ years also have little incentive to 'move up'. Closing/realtor costs and fees, timing a contingency purchase, hassle of moving, isn't normally worth such a credit. Why not just pay the points and refi to a lower rate and stay in your current home, which many such homeowners already have?
I also believe that the 6K housing credit will continue to stimulate the lower-middle and lower end spectrum of housing along with the booming FHA loan market. The lower-end market is hot due to lower capital requirements and the availability of near-prime rates even for FHA loan participants. Another mini-bubble if you ask me (well at least in SoCal).
Just one correction, which I am personally affected by and covered in this article on the home buyer credit extenstion. The income qualification limits are NOT retroactive. The higher income limits are only for homes purchased after Nov. 6, 2009. That is, the existing MAGI phase-outs of $75,000 to $95,000 or $150,000 to $170,000 for joint filers still apply to purchases on or before Nov. 6, 2009.
well apparently you failed to read and understand it's a PRE_PAID not a credit card and its no different than the mail delivery ads for stores, anyways you cannot do anything with it , unless you load your own money on it!! DUH!! How is that illegal? And whats the big scare when its nothing against your credit, since its not a Credit Card--
The best place to get high quality suits at great prices is A and G Clothing in Chicago located in the Merchandise Mart. For a great suit, go to their website at: http://www.aandgclothing.com/
The number to reach them is 312-245-0377.
They are selling three great suits for $350 right now. I just picked up six of them, and they are as high quality as suits I bought at Brooks Brothers.
I also told me friend about this who runs a hotel and they outfitted all their employees efficiently and for less money than their past purchases. I think they even outfit some Four Seasons Hotels.
My grandpa gets calls asking for donations from all kinds of organizations. He does give donations annualy, but they keep calling every day... How to stop non-profit solicitation calls?
Whenever we go out my wife always gets offered free drinks if she is separated from me in the bar for whatever reason and she always accepts the offers but says that I want one too!
So far, everyone who has hit on her has seen the funny side when I step into the picture but we only get one free drink each before it falls flat!
I find that the best way I can find room in my head to think is to go for a long walk without my cell and I find that by the time I get back home, I have a clearer idea of what I need to do and how.
It's all very well knowing the correct answers but you have to show that you mean what you say because interviewers will see right through it.
Great tip. I've actually recommended it to a close friend and the creative possibilities that were opened for that person were a major surprise.
Try to include your To-Be's in that list, and not only To-Do's.
Subscribed, stumbled, and RT'd.
A lot of the people who do Telemarketing are unable to shovel snow or cut the grass. Some are kids trying to pay their way through collage by working a part time job or a single mom who has a low education and has no other option. To me any job that is not against the law is as you put it an "Honorable JOB!" Just because you do not like the job does not make it a bad job or something someone should be ashamed of doing!
I was a single mother with 3 kids and trust me I would have been very happy to sit in a chair in a call center and call YOU every night so I could put food in my children's tummies!!!!
Like everyone say just don't answer the phone or ask to be put on their do not call list. For goodness sake, try to show some compassion & respect for a fellow human!
After signing up on the do not call list and then also going through each place we do business with and call to not give our info to 3rd party affiliates the phones pretty much stopped. Now any call that comes in I look up on google and it usually comes up as a scam call or someone spoofing a legitimate phone number. We screen those now with our voice mail. With a senior in the household we get our share of the shady calls for donations as we seem to have ended up on a senior sucker list.
There are a lot of these sites now but most phone numbers I look up on google tend to be listed on http://whocalled.us/
This article is so enlightening I actually shed a tear. I have just become at peace with myself and am now sympathizing with my junk mail. Some real person actually mailed this to me. I just can't treat it like the trash that it is. That would just be so evil. Ohhh give me a moment while I dry my eyes....
Okay, I'm sitting by the phone right now, anticipating a live telemarketer's angelic voice. My evening will not be complete until I am blessed with the opportunity to purchase the unknown treasure which I have unknowingly been deprived of for so long.
OUCH! I just slapped the sense back into myself. For a moment there I almost gave sympathy and respect to a total stranger for the simple fact they are a person with a job.
Sarcasm OFF: Telemarketers get the same treatment as my junk mail. Well sort of. I don't yell at my junk mail before I shred it.
I let them start their spiel, then set the phone down on the counter or bed, and walk away. When I hear the dial tone, I hang up the phone. The only time they're wasting is their own.
For fruit that's past its prime, you can also make butters, jams, jellies, preserves and pastes in addition to smoothies. Or freeze it for use later in baking projects.
Also.. I had VPI briefly, I found it pretty worthless since they didn't cover anything they should have...
On the other hand I have a friend who says its been awesome for her, one of her cats has gotten sick several times from swollowing strings, floss, rubber bands and they covered that expense.
Insurance is a gamble, I've chosen to create a 'pet emergency account' as one of my ING accounts to cover most things, their regular care is all budgetted. The emergency account isn't fully built up yet but once it is I'll feel that they are taken care of and I'll know how far I can go in spending on medical care for them.
I figure with pets that once you take on the responsibility they rely on and trust you to take good care of them, they believe completely that you'll make them better. A car doesn't care that it has a dent in it, but no one questions the cost of fixing that, yet people are always saying 'its just a cat/dog' when you spend the same amount making them feel better. A pet improves your life, your health and mental well-being.
re the response from Kitty Doggins: Getting pure bred 'vanity' pets from a breeder or pet store and letting your pets is self-indulgence and perpetuating a system that doesn't work but domesticated animals should have homes and good lives. Get your pet from someone who can't keep theirs, a animal rescue group or a shelter (cheaper anyway) and make sure they're fixed. You're saving a life that will benefit yours. I have two cats and a bird that were all rescues, none will have litters/young, the bird cost a little from the shelter, the cats I found on the street (and was unable to find their owners).. As a single woman in an expensive city it means I'm more content to stay home with their company rather than just going out for the sake of having life around me.
Re this list: I really recommend getting a water fountain, cats don't like stale water, mine completely ignored their water dish but would come running for the sink when it was dripping until I got the fountain. What little it costs me in electricity (I only run it during the day) will likely save me when it comes to urinary tract infections in my male cat and helps with the female cat's hairballs, will likely help both avoid kidney problems and diabetes so it will save me in medical costs, helps me cut down on expensive wet food and keeps them healthy and happy.
jeeeezus... people are such sheep and are eager to believe the worst about something, especially you "Concerned Mommy". Idiot.
I'd really agree on the comment to get your fitness up before you tackle London. It would also be worth picking up an A-Z (you can get a compact version from newsagents or street vendors) so that you can get an appreciation for how things (especially the centre of London) fit together so that you're not catching and changing on the the tube to get somewhere that's 500 metres away from your destination.
Also, try and see if there's a bus to your destination rather than the tube, as its so much nicer to see where you're going rather than taking the tube.
*Don't get the Heathrow Express from the airport. Its a rip-off - just get the tube which also goes to Heathrow. If you're flying in/out from one of the other airports (Luton, Gatwick, Stansted) check as many of the other ground transport options as the train is ridiculously expensive.
*If you're out and about and want some lunch a lot of British supermarkets such as Marks and Spencer do pre-packaged sandwiches which are quite reasonably priced. Obviously you can make your own. For something a bit heartier, pubs and some restaurants have lunchtime specials.
*I found lastminute.com's British site really handy for buying tickets for plays and musicals. Start looking when you know what dates you're going to be there and sign up to their newsletter. The cheaper tickets are often for weeknights or matinees, but I rarely paid more than 10 or 15 pounds for all of the big shows.
*If you are travelling outside of London - for any longer journeys try and book your tickets well in advance so you can get the discounted seats.
*If you want to see some football (soccer), for the more popular teams, try and keep an eye out for early rounds of cup ties (FA Cup or Carling Cup) as these are not usually as popular as the regular games where you'll often have trouble getting a ticket and if you do it'll be very expensive. If you are just going for the atmosphere maybe try a lower division team where you'll get lots of true fans which will contribute more to the atmosphere rather than the premiership where a lot of fans are happy to sit back and be entertained. Do your research though as if you're not a hardcore fan you probably don't want to turn up to a West Ham-Millwall cup tie.
I don't understand why anyone would care about telemarketers who are intruding and forcing their way into my home without an invitation. Leave me along - get a decent job - this is an ignorant occupation meant to prey on the lonely and uneducated. How do these telemarketers live with themselves?
This new 6,500 credit will definately make me more motivated about moving into a larger and much needed home than I previously have been.Finally something to help the lower middle class income worker!We struggle to get by without all the perks of those with lower incomes and those who have enough and don't need the perks.
I bought my first house this summer. The tax credit is already spent at the ACE hardware, Home Depot, Crate and Barrel, and at local reupholsterer. Between fixing the previous houseowner's stupid houseflip fubars and buying curtains that I like, I'd say that I'm pretty confident that this $8000 has gone straight from the IRS into the local economy.
I guess I was a fool for buying my house in late 2008. Hell at that time, they weren't even discussing a 2009 credit. I guess the financial bailout to Banks and the impending doom was too great of focus. I'm not really complaining about the credit, but I wince every time I hear the 8,000 tax credit for this year and now into the next brought up. It seems like it passes my ears at least once a day, do to various forms of media hype, like if you didn't saturate the media enough, people might now find out about this credit.
I think that this credit is somewhat a continuance of the ill advised policies that lead to the housing bubble. Just because someone can't afford a house/new car/bank implosion doesn't mean we should support them so they can. Some ppl are never meant to be homeowners and the like, but that isn't politically popular.
For those of you who want to look your best and not spend " a fortune" at the cleaners, try this. Wash your washables at home and then bring them to the cleaners to be pressed. At most places this is a forty percent discount service. Additionally, have your sweaters "cleaned only". Also a big savings and you can delint them yourself.
It pains me to think what your wardrobe must look like with the care that it has received. If you had found a reputable dry cleaner you would not have to deal with any button issues. The next time you hand wash your silk blouse and try to finish it yourself, please take a good hard look at what the result is in the mirror. The people who care what they look like will gladly pay for skilled service and feel that the cost is justified.
I think the move-up credit will do very little to stimulate the jumbo loan 400K plus housing market. Which at the current time is all but frozen and is compounded by the fact that banks are sitting on huge shadow inventories. Banks have little incentives to loan these days (with LIBOR and interbank rates so low and spreads high.. this on top of crumbling balance sheets). Home owners who have larger mortgages and a bit of equity having lived in a residence 5+ years also have little incentive to 'move up'. Closing/realtor costs and fees, timing a contingency purchase, hassle of moving, isn't normally worth such a credit. Why not just pay the points and refi to a lower rate and stay in your current home, which many such homeowners already have?
I also believe that the 6K housing credit will continue to stimulate the lower-middle and lower end spectrum of housing along with the booming FHA loan market. The lower-end market is hot due to lower capital requirements and the availability of near-prime rates even for FHA loan participants. Another mini-bubble if you ask me (well at least in SoCal).
Just one correction, which I am personally affected by and covered in this article on the home buyer credit extenstion. The income qualification limits are NOT retroactive. The higher income limits are only for homes purchased after Nov. 6, 2009. That is, the existing MAGI phase-outs of $75,000 to $95,000 or $150,000 to $170,000 for joint filers still apply to purchases on or before Nov. 6, 2009.
well apparently you failed to read and understand it's a PRE_PAID not a credit card and its no different than the mail delivery ads for stores, anyways you cannot do anything with it , unless you load your own money on it!! DUH!! How is that illegal? And whats the big scare when its nothing against your credit, since its not a Credit Card--
The best place to get high quality suits at great prices is A and G Clothing in Chicago located in the Merchandise Mart. For a great suit, go to their website at: http://www.aandgclothing.com/
The number to reach them is 312-245-0377.
They are selling three great suits for $350 right now. I just picked up six of them, and they are as high quality as suits I bought at Brooks Brothers.
I also told me friend about this who runs a hotel and they outfitted all their employees efficiently and for less money than their past purchases. I think they even outfit some Four Seasons Hotels.
...Maybe a friend could proofread your comments....
My grandpa gets calls asking for donations from all kinds of organizations. He does give donations annualy, but they keep calling every day... How to stop non-profit solicitation calls?