I'm the proud mummy of two very busy American staffies, and have not to this day found a toy that they cannot destroy! I've found two things that provide them with a few hours of enjoyment:
1. Fill a used CARDBOARD milk carton with water plus abit of milk/stock/grated cheese/dog treats and freeze it solid. I give them the whole thing, and they have fun ripping off the cardboard and then demolishing the frozen goodies inside!
2. A coconut makes a really good durable ball - ok, obviously not for throwing and fetching, but my girls have fun scooting it around the yard with their noses, as they work out how to get to the edible bit inside! And yes they do demolish the coconut eventually.
I'm going to buy some fleece and try to make one of those huge knot ropes, they sound really good! (although I don't know how long it will last - worth a shot!)
I really needed to read every word of this. I graduated only a year ago and will be starting my second $32,000-$34000 job in two weeks after completing the last two weeks at my current job. Presently, I am a banker. And it is very difficult for me to digest what I see everyday. There are some elders that have a $70,000-$200,000 in their retirement savings and are living comfortably. And then there are those that have managed to save $10,000 which is commendable, but not enough to live with minimal stress in the latter years of estimated life. I often stress and wonder when I will ever be able to put enough aside to ensure stability later. However, as you pointed out, when jumping in head first and paying a fairly sizeable amount to school loans, car note, rent, among other things, a hefty monthly contribution is not realistic. So thank you. I have a much more realistic and guiltless approach.
Spraying yourself with Listerine works well and you smell great!! I used it in Montana while we were haying and it seemed to work great. You do have to keep spraying yourself every couple of hours but Listerine is pretty cheap compared to bug spray.
Cute! I would also say consider who you are going to see. If the next day is just hanging around the house, is the shower necessary if you have just been sitting in an office all day?
I would like to know what mortgage calculator he is using, because when I figured it at 5% without the taxes and insurance, it came to about $386,000 over 30 years. That is of course with no money down.
Even with 20% down, you are still paying over $300,000.
I am guessing they have the interest and taxes in there with no money down, which most people may not be able to get.
I think that you are giving the three other brokerages a very unfair advantage compared to Charles Schwab and Fidelity Julie. If you are going to mention account minimums it's important to mention how easy it is to waive them, and not just by monthly contributions!
With Charles Schwab there is no minimum balance, opening deposit, or monthly transaction requirement as long as you link with a Schwab Bank High Yield Investor Checking Account which you can do when you open the account. There are no minimums for either accounts and you could even leave the checking account at $0 balance... though with the benefits (ATM fee refunds and no foreign exchange fees) I'm not sure why you would want to. You could keep both accounts at $0 without penalty.
You could do the same with Fidelity Account (Brokerage) and Cash Management (Their version of checking). It offers ATM fee refunds (which post daily) but has a 1% foreign exchange fee when taking money out abroad (most banks charge 3%). But again, you would be subject to no opening deposit or minimum monthly balance, opening deposit, or transaction requirement. You could have both accounts at $0 without penalty.
Very good article and you cover all the big points.
My parents and I got a storage unit in '06 out of necessity. We needed to store almost a house worth of stuff during renovations. Problem is, not everything got put back into the house after the renovations.
Over the past 7 years we have moved into smaller units while "thinning the herd" or junk. On average, we likely spent $200/mo or a total of $17,000 - enough to have bought a new car.
Put in this perspective, I feel sick, but in a good way. It is better to take a blow to one's ego and realize nothing I held onto was worth this much, than to continue dumping money into a black hole.
Hmm...while you certainly can spend a lot of money on knitting, I've found that it has saved me money, especially when it comes to baby shower gifts. I once knit a baby blanket for a friend because I was broke-ish, I knew that most of her friends would either be buying multiple smaller items or one huge item off her registry, so I started knitting, and I felt really good and unashamed, when she opened my gift at her shower. Everyone oohed and aahed at the fact that I had made something cute by hand, and it meant a lot to my friend that I had put time and effort into it. Two years later, she still uses it. It terms of time, I guess it was expensive (if you put an hourly rate on it) but it was an acrylic blanket I made from yarn on sale (or cheaper with a coupon) from Michael's, with needles I already owned.
I found a pair of quality shoes that fit me well and are in excellent condition. $2.99! I recently found several other pairs that I wish fit me. Sure, many of the shoes are battered and unappealing and those I wouldn't buy. You've got to hunt out the good ones.
Only in a wealthy society can people afford to be so squeamish. That said, I'm not out to convert anyone. I'm happy not to have the competition!
I have a gift for my dad, and I will be calling him to wish him a happy Father's Day, but I will be volunteering at our local no-kill shelter's adoption day, so that hopefully some of the cats and/or dogs get a new forever father and home that day, too!
What I have found that works for shoes, is to spray them inside HEAVILY with Lysol disinfectant spray, (or generic brand), and let them dry overnight. For white sneakers, wash in bleach, baking soda, and hot water in washing machine, letting them soak for about ten minutes, then letting them dry outside in the sun.
Wow thanks Camilla great article. I had no idea that eCardExchange existed. I just saved $150 on gift cards for my dad, grandpa, god father, brother n laws. This is awesome!
Hey folks. This is a no-brainer. I got one too. I didn't apply for it so that was my first red light. Therefore, I cut it into pieces and tossed the pieces into the trash. That's what all of you should have done. I would never put money onto a card I've never heard of and didn't ask for in the first place. This is just common sense.
This week I was dignosed with celiacs, and after a few days of being distraught over the fact I couldn't find cheap real bread ever again. The hunt was on to make my own all purpose flour to use in everything.
Just made this bread for dinner to accompany a wonderful soupy chicken casserole and wow, this bread recipe was infact amazing! Except the only difference I made was using two teaspoons of Guar gum, instead of xanthan gum, worked the same I'm guessing, and the bread turned out light, fluffy, and so yum! Well worth trying! 100% love this bread! Helped that it was easy to make too!
THANKYOU, you are a true blessing for providing this recipe!
I am going to try mixing up a lot of garlic in Mineral oil & adding some of the ingredients mentioned here to spray on my lawn and shrubs where I do a lot of gardening.
There is a product called "Mosquito Barrier" which sounds very good & is expensive. It states that it would be very hard to duplicate it.
But I will try! If I have to spray after a rain, so be it. Those things eat me alive!
The foods you eat and not drinking enough water can play a huge role in having more body odor. Eating more fresh fruit and vegetables and drinking water rather than soda or even tea/coffee can help flush your system so your liver and kidneys work better and thus you are retaining less toxins.
We are fortunate to have a grey water set up where the water from the shower is sent outside to water the garden. Thus no real water waste. Bear in mind baby powder and perfume simply mask the smell rather than dealing with it. Plain old corn starch is also a better 'powder' than baby powder.
Now that summer is here and it was 100* today, I took my Dr Bronner liquid hemp and lavender soap outside and after planting more vegetables and refilling the bird baths I washed my hair with the garden hose. Got clean hair, environmentally sound soap in the garden from washing my hair, and I feel much cooler.
Oh and wear 100% cotton or linen clothing that is looseer in summer because unlike synthetics they don't hold wetness in but wick it away and evaporate it.
I buy gift cards at a discount from giftcardrescue.com or cardpool.com. In fact, I bought two Regal cards today at a 12% discount. In addition, my husband and I now qualify for the senior discount.
Everything I own is in a few boxes at my mom's house or in my backpack. The freedom to have gotten rid of nearly everything and hit the road is amazing.
I'm the proud mummy of two very busy American staffies, and have not to this day found a toy that they cannot destroy! I've found two things that provide them with a few hours of enjoyment:
1. Fill a used CARDBOARD milk carton with water plus abit of milk/stock/grated cheese/dog treats and freeze it solid. I give them the whole thing, and they have fun ripping off the cardboard and then demolishing the frozen goodies inside!
2. A coconut makes a really good durable ball - ok, obviously not for throwing and fetching, but my girls have fun scooting it around the yard with their noses, as they work out how to get to the edible bit inside! And yes they do demolish the coconut eventually.
I'm going to buy some fleece and try to make one of those huge knot ropes, they sound really good! (although I don't know how long it will last - worth a shot!)
I find the following answer works best.......
"What's your greatest disappointment?"
"Alton Towers"
I really needed to read every word of this. I graduated only a year ago and will be starting my second $32,000-$34000 job in two weeks after completing the last two weeks at my current job. Presently, I am a banker. And it is very difficult for me to digest what I see everyday. There are some elders that have a $70,000-$200,000 in their retirement savings and are living comfortably. And then there are those that have managed to save $10,000 which is commendable, but not enough to live with minimal stress in the latter years of estimated life. I often stress and wonder when I will ever be able to put enough aside to ensure stability later. However, as you pointed out, when jumping in head first and paying a fairly sizeable amount to school loans, car note, rent, among other things, a hefty monthly contribution is not realistic. So thank you. I have a much more realistic and guiltless approach.
The way I usually do by making breakfast for my wife and then taking her out to do something fun for both of us.
Spraying yourself with Listerine works well and you smell great!! I used it in Montana while we were haying and it seemed to work great. You do have to keep spraying yourself every couple of hours but Listerine is pretty cheap compared to bug spray.
How often would you use this combination?
Cute! I would also say consider who you are going to see. If the next day is just hanging around the house, is the shower necessary if you have just been sitting in an office all day?
I would like to know what mortgage calculator he is using, because when I figured it at 5% without the taxes and insurance, it came to about $386,000 over 30 years. That is of course with no money down.
Even with 20% down, you are still paying over $300,000.
I am guessing they have the interest and taxes in there with no money down, which most people may not be able to get.
I think that you are giving the three other brokerages a very unfair advantage compared to Charles Schwab and Fidelity Julie. If you are going to mention account minimums it's important to mention how easy it is to waive them, and not just by monthly contributions!
With Charles Schwab there is no minimum balance, opening deposit, or monthly transaction requirement as long as you link with a Schwab Bank High Yield Investor Checking Account which you can do when you open the account. There are no minimums for either accounts and you could even leave the checking account at $0 balance... though with the benefits (ATM fee refunds and no foreign exchange fees) I'm not sure why you would want to. You could keep both accounts at $0 without penalty.
You could do the same with Fidelity Account (Brokerage) and Cash Management (Their version of checking). It offers ATM fee refunds (which post daily) but has a 1% foreign exchange fee when taking money out abroad (most banks charge 3%). But again, you would be subject to no opening deposit or minimum monthly balance, opening deposit, or transaction requirement. You could have both accounts at $0 without penalty.
Very good article and you cover all the big points.
My parents and I got a storage unit in '06 out of necessity. We needed to store almost a house worth of stuff during renovations. Problem is, not everything got put back into the house after the renovations.
Over the past 7 years we have moved into smaller units while "thinning the herd" or junk. On average, we likely spent $200/mo or a total of $17,000 - enough to have bought a new car.
Put in this perspective, I feel sick, but in a good way. It is better to take a blow to one's ego and realize nothing I held onto was worth this much, than to continue dumping money into a black hole.
WOW! Amazing hope it works in the UK - what a find. I love home made brews & tricks :)
I need to do this exercise.
Hmm...while you certainly can spend a lot of money on knitting, I've found that it has saved me money, especially when it comes to baby shower gifts. I once knit a baby blanket for a friend because I was broke-ish, I knew that most of her friends would either be buying multiple smaller items or one huge item off her registry, so I started knitting, and I felt really good and unashamed, when she opened my gift at her shower. Everyone oohed and aahed at the fact that I had made something cute by hand, and it meant a lot to my friend that I had put time and effort into it. Two years later, she still uses it. It terms of time, I guess it was expensive (if you put an hourly rate on it) but it was an acrylic blanket I made from yarn on sale (or cheaper with a coupon) from Michael's, with needles I already owned.
I found a pair of quality shoes that fit me well and are in excellent condition. $2.99! I recently found several other pairs that I wish fit me. Sure, many of the shoes are battered and unappealing and those I wouldn't buy. You've got to hunt out the good ones.
Only in a wealthy society can people afford to be so squeamish. That said, I'm not out to convert anyone. I'm happy not to have the competition!
I have a gift for my dad, and I will be calling him to wish him a happy Father's Day, but I will be volunteering at our local no-kill shelter's adoption day, so that hopefully some of the cats and/or dogs get a new forever father and home that day, too!
What I have found that works for shoes, is to spray them inside HEAVILY with Lysol disinfectant spray, (or generic brand), and let them dry overnight. For white sneakers, wash in bleach, baking soda, and hot water in washing machine, letting them soak for about ten minutes, then letting them dry outside in the sun.
Wow thanks Camilla great article. I had no idea that eCardExchange existed. I just saved $150 on gift cards for my dad, grandpa, god father, brother n laws. This is awesome!
my best friend is having a slumber party and im going to make her a gift for inviting me but I don't know what to make....any sugggustions ?
Hey folks. This is a no-brainer. I got one too. I didn't apply for it so that was my first red light. Therefore, I cut it into pieces and tossed the pieces into the trash. That's what all of you should have done. I would never put money onto a card I've never heard of and didn't ask for in the first place. This is just common sense.
Some great tips here. We are in the process of going paperless throughout the house and you have given me a few extra things to look at!
This week I was dignosed with celiacs, and after a few days of being distraught over the fact I couldn't find cheap real bread ever again. The hunt was on to make my own all purpose flour to use in everything.
Just made this bread for dinner to accompany a wonderful soupy chicken casserole and wow, this bread recipe was infact amazing! Except the only difference I made was using two teaspoons of Guar gum, instead of xanthan gum, worked the same I'm guessing, and the bread turned out light, fluffy, and so yum! Well worth trying! 100% love this bread! Helped that it was easy to make too!
THANKYOU, you are a true blessing for providing this recipe!
These are GREAT! Thanks!
I am going to try mixing up a lot of garlic in Mineral oil & adding some of the ingredients mentioned here to spray on my lawn and shrubs where I do a lot of gardening.
There is a product called "Mosquito Barrier" which sounds very good & is expensive. It states that it would be very hard to duplicate it.
But I will try! If I have to spray after a rain, so be it. Those things eat me alive!
The foods you eat and not drinking enough water can play a huge role in having more body odor. Eating more fresh fruit and vegetables and drinking water rather than soda or even tea/coffee can help flush your system so your liver and kidneys work better and thus you are retaining less toxins.
We are fortunate to have a grey water set up where the water from the shower is sent outside to water the garden. Thus no real water waste. Bear in mind baby powder and perfume simply mask the smell rather than dealing with it. Plain old corn starch is also a better 'powder' than baby powder.
Now that summer is here and it was 100* today, I took my Dr Bronner liquid hemp and lavender soap outside and after planting more vegetables and refilling the bird baths I washed my hair with the garden hose. Got clean hair, environmentally sound soap in the garden from washing my hair, and I feel much cooler.
Oh and wear 100% cotton or linen clothing that is looseer in summer because unlike synthetics they don't hold wetness in but wick it away and evaporate it.
I buy gift cards at a discount from giftcardrescue.com or cardpool.com. In fact, I bought two Regal cards today at a 12% discount. In addition, my husband and I now qualify for the senior discount.
Everything I own is in a few boxes at my mom's house or in my backpack. The freedom to have gotten rid of nearly everything and hit the road is amazing.