When soaking the rind overnight, is that in straight vinegar, or in vinegar mixed with sugar and cinnamon? What does the soaking do? Why is it discarded rather than re-used as the brine?
A real estate agent is not only supposed to sell homes, but to get the best price for the client.
When I was young and was a real estate agent, we can get the price at around 20% lower than advertised. This would cut into our commissions though.
Even if the client is not an immediate buyer (or doesn't even buy one), the contact itself with a potential client is worth the trouble.
Compensation can come in the forms of referrals and potential future transactions or if someone ones to get a bigger house.
I agree, the agent was an a-hole. However, you know some people are like that.
My rule is, never trust someone who has a conflict of interest. This includes salesmen, agents, brokers, etc. Their main priority is to make the sale, client's interest is only secondary.
Sorry if I sound scattered, tired. Heading for bed. ^_^
We don't even rinse the seeds before roasting. I do pull off any big clumps of goo, but otherwise roast the seeds as is, spread out on a sheet pan and brushed lightly with a little melted butter and sprinkled with salt. Yum!!! And the whole house smells wonderful, too :)
"Then again, if we must pay for other people's healthcare in the future, and obesity is associated with 1 out of every 5 dollars in US healthcare, then perhaps we need to find new ways to "encourage" good health?"
Easy. It's called charging fat-asses more for their health insurance. Comes as close as anything we're likely to see between eliminating the connection between unhealthy private behaviors and public costs.
Whoa Nelly! Get sick for a few days and come back to a whole string of comments. But they're all great!
To the questions about prospectuses, etc., my tip would be to see if you can have to get them at all. Most investment compaies will let you opt out. If you're not going to read them, there's no point in piling on the guilt by continuing to receive them. If you want them around just in case, HollyP's idea is good, too--make sure you don't have too many of them at once, 'cause those suckers are huge!
I love the tips about evaluating your finances once a year and the details on the spreadsheet. Basically, the secret to decluttering is to find what works for you and stick it out, even when you don't want to. For me, it's all of those times I say "well, I'll do it later" that make for clutter.
Really superbly written article. I might have to find that book of yours.
I think I'll buy a pumpkin just for eating this year. I'll wait until after halloween.
My plan is to make the seeds and tell me if this sounds too outrageous, but I think I might try to make a sort of lightly sweet custard pie of the flesh. : )
Actually I will really change the standard pumpkin pie recipe, I'll use dark molasses for sweetening, lots of vanilla, a little cinnamon, maybe the tiniest amount of nutmeg and that will be it. I do occasionally like those spicy pumpkin pies with all the Allspice, Nutmeg, Mace and Ginger, but not this time. I am going to model this after a sweet potato pie. Less spice, less sweet, less custardy, lots of earthy pumpkin flavor. Man, I'm making myself hungry.
Say this: "Oh, sorry, I'm totally out of cash. Actually, I was going to ask you if I could borrow ten bucks for lunch. Would you mind?"
I guarantee that this boss will never ask for a loan again for fear of being asked to reciprocate.
I, too, love these bright orange globes. Seeds, pumpkin flesh and rind. Roasted seeds. Pumpkin Pie. Pumpkin bread. Pumpkin Flan. Pumpkin challah bread. Pumpkin with maple syrup. Pumpkin tea from the rinds.
I have every intention of surfing the coupon sites for the best deals, etc but after about 2/3 minutes I feel like banging my head against the wall as there is just too much information on there. How does anyone find anything useful on these sites?
Debt is a really strange thing. We all know we should get into debt , we know high interest credit cards are bad and we know we shouldn't live beyond our means but we do. My experience is that I knew all of this and yet still got heavily into debt and I really do think you need the jolt and shock of being there before you finally decide to take the bull by the horns and do something about it.
Ok, it's been long enough for everyone to try a batch,,, or two. How did it turn out? What different recipes did you try? Its fall in the northern hemisphere, apple season, time for Apple Jack. That is a fermented and then distilled apple cider. Leaving a lot of the flavours behind, don’t strip it clean.
I like the idea of these but my favorite is the one where you can work anywhere in the world. I think this is a huge decision but with real advice and guidance it could be easy.
I would love to take the plunge and see more of the world.
Really good article. I have received a FREE book from www.MysteryShopperMan.info. It has loads of information on mystery shopping and merchandising. I think it's a great beginner guide for Mystery Shoppers and it comes with an updated list of about 400 MS companies.
I completely agree - great post! With all the information available on the Web alone, everyone can make their savings goals come true. Planning and researching is so important - why risk any of your money if you can avoid it? "First things first -- know what you are signing up for!" is the PERFECT way to express it - how much do we lose with hidden fees and charges? http://mozo.com.au/savings-accounts is a fantastic site I visited when I was researching - it's a financial product comparison site and saves so much hassle. Good luck saving :) Thanks!
as to the "bill paying" part:
our plan is very simple... three piles
#1 unopened bills
#2 opened bills
#3 paid bills
as snowbirds, we don't use online, as it gets too confusing with address changes etc.
our accounting system is also simple... a simple net asset spreadsheet, kept on Google Docs.
Two main asset types 1. Liquid 2. non-liquid:
headings:
Interest bearing accounts by source with a last column that lists the date of last update.
Debt balances (same update date column)
List of physical assets with "mark to market" value
(cars, house, valuable goods)
@Blanche Gregory - Thank you for the comment, and you are indeed asking the right questions. I also see that you are from Canada (you gave yourself away with the reference to GICs and RRSPs)!
There is a lot I could contribute to your query:
Yes, you can transfer ownership to your kids now, but once it's theirs, it's theirs. (Eg: be careful of giving them the house if you live in it). Depending on the asset, the sale price matters too (sometimes gifts can't be arranged).
RRSPs can't be given to kids early, and there are tax consequences to your estate when you pass away with RRSPs and no spouse. Even with the kids marked as direct beneficiaries, your estate will have to pay tax on the full amount of the RRSPs as income on your final tax return. If there are no assets to cover this liability off, your kids will have to pay.
You may be able to better structure your finances with an insured annuity , but without your specific details, I can't say for sure.
You are thinking along the right lines....now you need to see a financial planner, who can tailor an estate plan for you. I hope this helps a little!
When soaking the rind overnight, is that in straight vinegar, or in vinegar mixed with sugar and cinnamon? What does the soaking do? Why is it discarded rather than re-used as the brine?
A real estate agent is not only supposed to sell homes, but to get the best price for the client.
When I was young and was a real estate agent, we can get the price at around 20% lower than advertised. This would cut into our commissions though.
Even if the client is not an immediate buyer (or doesn't even buy one), the contact itself with a potential client is worth the trouble.
Compensation can come in the forms of referrals and potential future transactions or if someone ones to get a bigger house.
I agree, the agent was an a-hole. However, you know some people are like that.
My rule is, never trust someone who has a conflict of interest. This includes salesmen, agents, brokers, etc. Their main priority is to make the sale, client's interest is only secondary.
Sorry if I sound scattered, tired. Heading for bed. ^_^
We don't even rinse the seeds before roasting. I do pull off any big clumps of goo, but otherwise roast the seeds as is, spread out on a sheet pan and brushed lightly with a little melted butter and sprinkled with salt. Yum!!! And the whole house smells wonderful, too :)
"Then again, if we must pay for other people's healthcare in the future, and obesity is associated with 1 out of every 5 dollars in US healthcare, then perhaps we need to find new ways to "encourage" good health?"
Easy. It's called charging fat-asses more for their health insurance. Comes as close as anything we're likely to see between eliminating the connection between unhealthy private behaviors and public costs.
my strategy is know what i want to buy and then look around deals website to see if i can find better price or deals
I usually use my leftover pumpkin as soup. Just add chicken broth, spices , parsley, and cream/half and half with salt.
I will also recommend using e-tools such as Mint.com or Quicken. Here is my experience with them at http://www.mewithoutdebt.com/2009/09/quicken-and-mint.html
Whoa Nelly! Get sick for a few days and come back to a whole string of comments. But they're all great!
To the questions about prospectuses, etc., my tip would be to see if you can have to get them at all. Most investment compaies will let you opt out. If you're not going to read them, there's no point in piling on the guilt by continuing to receive them. If you want them around just in case, HollyP's idea is good, too--make sure you don't have too many of them at once, 'cause those suckers are huge!
I love the tips about evaluating your finances once a year and the details on the spreadsheet. Basically, the secret to decluttering is to find what works for you and stick it out, even when you don't want to. For me, it's all of those times I say "well, I'll do it later" that make for clutter.
Hello,
Really superbly written article. I might have to find that book of yours.
I think I'll buy a pumpkin just for eating this year. I'll wait until after halloween.
My plan is to make the seeds and tell me if this sounds too outrageous, but I think I might try to make a sort of lightly sweet custard pie of the flesh. : )
Actually I will really change the standard pumpkin pie recipe, I'll use dark molasses for sweetening, lots of vanilla, a little cinnamon, maybe the tiniest amount of nutmeg and that will be it. I do occasionally like those spicy pumpkin pies with all the Allspice, Nutmeg, Mace and Ginger, but not this time. I am going to model this after a sweet potato pie. Less spice, less sweet, less custardy, lots of earthy pumpkin flavor. Man, I'm making myself hungry.
What if swoopo always make their own bidder wins with ridiculously high bid?
They don't have to ship the product since fake user won and they will only get the bid money!
SCAM?? Swoopoo SCAM or not? Time will tell!
Say this: "Oh, sorry, I'm totally out of cash. Actually, I was going to ask you if I could borrow ten bucks for lunch. Would you mind?"
I guarantee that this boss will never ask for a loan again for fear of being asked to reciprocate.
I, too, love these bright orange globes. Seeds, pumpkin flesh and rind. Roasted seeds. Pumpkin Pie. Pumpkin bread. Pumpkin Flan. Pumpkin challah bread. Pumpkin with maple syrup. Pumpkin tea from the rinds.
it'really funny! congratulations to the author!
I have every intention of surfing the coupon sites for the best deals, etc but after about 2/3 minutes I feel like banging my head against the wall as there is just too much information on there. How does anyone find anything useful on these sites?
Debt is a really strange thing. We all know we should get into debt , we know high interest credit cards are bad and we know we shouldn't live beyond our means but we do. My experience is that I knew all of this and yet still got heavily into debt and I really do think you need the jolt and shock of being there before you finally decide to take the bull by the horns and do something about it.
Ok, it's been long enough for everyone to try a batch,,, or two. How did it turn out? What different recipes did you try? Its fall in the northern hemisphere, apple season, time for Apple Jack. That is a fermented and then distilled apple cider. Leaving a lot of the flavours behind, don’t strip it clean.
I like the idea of these but my favorite is the one where you can work anywhere in the world. I think this is a huge decision but with real advice and guidance it could be easy.
I would love to take the plunge and see more of the world.
Really good article. I have received a FREE book from www.MysteryShopperMan.info. It has loads of information on mystery shopping and merchandising. I think it's a great beginner guide for Mystery Shoppers and it comes with an updated list of about 400 MS companies.
I started MS about 2 months ago and I love it.
Keep up the great work.
The costco list was pretty helpful. I have also complied a list of what to buy at Costco. I have also included what to avoid at Costco as well. You can find the list at http://www.mewithoutdebt.com/2009/10/what-to-buy-at-costco-and-what-to-a...
I completely agree - great post! With all the information available on the Web alone, everyone can make their savings goals come true. Planning and researching is so important - why risk any of your money if you can avoid it? "First things first -- know what you are signing up for!" is the PERFECT way to express it - how much do we lose with hidden fees and charges? http://mozo.com.au/savings-accounts is a fantastic site I visited when I was researching - it's a financial product comparison site and saves so much hassle. Good luck saving :) Thanks!
Hobbie=Cash That sounds great!
...but only $420 to travel for 30 years...
...why don't we just send all our Seniors on round-the-world trips for the rest of their lives and pocket the savings?
OJ works too.
as to the "bill paying" part:
our plan is very simple... three piles
#1 unopened bills
#2 opened bills
#3 paid bills
as snowbirds, we don't use online, as it gets too confusing with address changes etc.
our accounting system is also simple... a simple net asset spreadsheet, kept on Google Docs.
Two main asset types 1. Liquid 2. non-liquid:
headings:
Interest bearing accounts by source with a last column that lists the date of last update.
Debt balances (same update date column)
List of physical assets with "mark to market" value
(cars, house, valuable goods)
@Blanche Gregory - Thank you for the comment, and you are indeed asking the right questions. I also see that you are from Canada (you gave yourself away with the reference to GICs and RRSPs)!
There is a lot I could contribute to your query:
You are thinking along the right lines....now you need to see a financial planner, who can tailor an estate plan for you. I hope this helps a little!