And this shows the truth regarding the 'rich' and who pays what. The top 5% has taken a larger share of all income earned, BUT has paid a bigger chunk of all Fed taxes - at a higher rate of increase than the income. The well-worn class warfare argument is totally bogus. It was way more valid decades ago. With half of all Americans paying ZERO Fed taxes, it is mind-boggling to hear over and over that the ones who ARE paying most of it need to pay their 'fair share.'
True, Cathy. And, ironically, there have been fewer prosecutions of Wall St people SINCE the crisis (ie., in the past four years), than in decades! Just yesterday the DOJ announced NO charges against Goldman nor any of its employees. A simple look at Goldman's political friends will explain why.
Yep, Google is very scary. Think they're entitled to everything and individuals are entitled to nothing. Other countries are much better at getting after them. Here they are very connected politically, as is FB.
Google and political ties: I'm sure I'm on every Homeland Security 'watch list' because I rant and rail against the government's war on real food in posts on my Google-operated blog. The FBI has now redefined dissent as "treason", and stockpiling a supply of food for your family as a treasonous act.
FB is NOT only what you give it. SO many reports of them doing all kinds of stuff without your knowledge or permission - like selling your info to advertisers. Just the other day was a report that they track what sites you go to if you do not log off. That is crazy.
I agree that the gov has gone nuts with people with food/rainwater etc. The 'dissent is treason' sounds like a bit much though. They would not be so stupid to say that publicly even if they felt that way.
Couple that with this "Face Deal" technology and it seems to me like we're not that far away from our faces being linked to our bank accounts . . . Which I find unsettling. And I'm not really technologically averse. This just seems way too Big Brother for me.
Sounds like my new job! almost. I'm considering it more money than I had before, an entry into a new organization with many similar positions suing similar skills to what I just learned. After three shifts I have pretty much mastered all the possible complexities. Now the real boredom begins. Capturing images of old student records from microfiche, convert to data, link to records. We're talking YEARS, decades , of stuff. and many orgs must be going through this kind of records conversion. Plus all new student records get scanned and linked.
But i'll keep my eyes open with the old job and the new job to move up..
It's very hard to differentiate between 'college as a way to better your brain' and ' college as a ticket to a better career/life."
How about req'd classes for say, police officers? Where does literature really impact their job performance? AA degrees, are they good tools to screen candidates? Do they at least indicate that the candidate can commit to a learning program? Or that they are minimally stable enough, personally, to complete the program?
I see moves towards job development in high schools- STEM schools, magnet schools in our county that focus more narrowly beginning in high school. Is it good, or bad? Is it all about getting skilled workers (drones) for the Corporation?
Sherrie, despite my possibly offensive rose colored glasses post above--I know it's hard out there and I hope it gets better for you.
It's just too discouraging for me to think about the steep competition and limited opportunities I have.
It is OK - other than I am being "part of the problem". I have a "day job" so I am financially OK - I just love having someones who have to pay attention to me! (As opposed to my house where the cats ignore what I say.) LOL
Feel really bad for young people. Read the other day that the avg start salary for college grads (all majors combined) is just $27K, down 10% in the past four or five years. I started at $30K 25 years ago!!
Can't imagine you ever being fat and sassy, Sallyg. Heehee.
I think my college cost somewhere between $2 and 3 thousand a year.
Snacks, ugh. I'm going to a women's conference in Philly tonight and tomorrow. Don't even want to think of parking plus... Food. Tonight won't be bad cuz we will eat before we go, but my DIL, who is pregnant, needs to have food with her. Not allowed to bring any food in to the venue. Apparently they look through your bags. Of course they want you to buy your food there. That's how they make their money. Tomorrow, we'll either bring our lunch and leave it in the car so we can tailgate, or bite the bullet and buy inside. We could ride in another car, but because DIL is pregnant and always goes early we are driving up separately. That would have saved some money, but I am thinking this isn't going to be cheap.
Sooo looking forward to this. Mandisa will be there. Patsy Clairmont, who is a riot. Kurt Warner's wife. Just some of the line-up. Should be fun. An arena full of women singing. A joy to hear!
I drove through central Oregon this summer and was amazed by the number of windmills dotting the landscape. They are enormous. They were too far away for me to get a good perspective as far as actual size goes but I could see them from so far away that I knew they were huge. Hundreds of them, all spinning pretty slowly but given their size I think the fact that they were spinning at all meant it was probably generating a fair bit of energy.
Here is a picture of a hand drawn map of the village where my grandparents were born. Note the wind mills in the lower left , adjacent to the wheat fields. Grind grain or pump water for irrigation good old wind power! And since 1880's generate electricity!
I think that wind farms, etc are important steps in a diverse sustainable energy basis for this country. At least as important is that the manufacturing of the turbines and parts is being done here, retooling our manufacturing base and keeping jobs here. Jen, just googling 'wind turbines' shows a number of manufacturing sites across the country.
Sally, I heard that same report on public radio about the ocean wave electricity generating project in Oregon today and though it may seem small, that it will generate electricity mechanically without the use of hydrolics is so important as we all know that oil and water don't mix!
In 1979, they installed the (then) world's largest windmill on Howard's Knob in Boone, NC, with blades scanning 200' tip to tip. The $6.2 million, ten-story, 350-ton, 2 MW was built by General Electric. It was dismantled in 1983 following complaints about the noise from residents. The windmill was also very expensive to operate. It was considered evidence that renewable energy was clumsy and unworkable. http://www.radford.edu/wkovarik/envhist/RenHist/4.Wind.html
I moved to Boone several months after it was installed, and always heard complaints from the locals of noise and TV interference.
By the way, a woman who is a long-time DG member (sugarweed) worked on that installation. What looks like the box for the controls for the windmill was the size of a house trailer.
In the early 1980s wind-generated electricity cost as much as 30 cents per kilowatt-hour. Now, state-of-the-art wind power plants at excellent sites are generating electricity at less than 5 cents/kWh. (American American Wind Energy Association). Costs are continuing to decline as more and larger plants are built and advanced technology is introduced.
darius- quote "Now, state-of-the-art wind power plants at excellent sites are generating electricity at less than 5 cents/kWh. (American American Wind Energy Association). Costs are continuing to decline as more and larger plants are built and advanced technology is introduced"
Halelujah, finally some good news on the Money Matters thread
I had seen a show about that other type- so glad they are in use. Look much less deadly to birds too.
There is a ' Darrieus" wind turbine style too- (wikipedia) they must not have checked their spelling. LOL
"Main problem has been for the gov to try to create a market that does not exist. The so-called green economy has to be born out of necessity, market-driven and privately supported."
Let's try that with oil, shall we? It is a necessity, after all. Fossil fuel subsidies in the last 5 years have been $ 72 billion, in the same time, $1 billion went to solar.
—BP, Chevron, ConocoPhillips, ExxonMobil, and Royal Dutch Shell—these five oil companies combined made a record-high $137 billion in profits in 2011—up 75 percent from 2010—and have made more than $1 trillion in profits from 2001 through 2011. This exceeds the previous record of $136 billion in profits in 2008.
"According to figures released by the Bureau of Labor Statistics (BLS), only 58.3 percent of Americans over the age of 16 are currently employed. That's the lowest percentage in the past year—so things are getting worse, not better. But things haven't just gotten worse over the past 12 months; they've also gotten worse since the recession ostensibly ended and the recovery ostensibly began.
In fact, for an amazing 38 consecutive months, the percentage of Americans who are employed has been lower than the percentage who were employed during the recession. According to the BLS, the low-water mark for employment during the recession was 59.4 percent, while the high-water mark for employment during the "recovery" has been 59.3 percent. That's right: When it comes to the percentage of Americans who are employed, every month of the "recovery" has been worse than any month of the recession."
I am not really surprised by that number as (according to the US Census Bureau) as of July 2011, 13.3% of the US population is over 65 years old and another 23.7% are under 18. So, if my math is correct, 37% of the population is the majority of the 58.3 %. I realize that the numbers I have are a little different because the BLS is using 16 as the working age, however more people have turned 65 in the past 13 months - so maybe the comparison isn't too far off. During the Depression I could find that there were 6.7 million people over 65 as the "Baby Boom" hadn't happened yet. :) It is us Baby Boomers that are swelling the ranks of the jobless by retiring.
No way that is the driving force, Cat. First of all, we are talking about three years, not 10 or 15. This is a short-term crisis driven by the horrid economy, not the long-term demographic trend. Secondly, how many Boomers are ACTUALLY retiring at 65 now with all the uncertainty about their financial well being in retirement. Doubt it's very high.
Chicago teachers are the highest paid in the country. Over $70K avg salary alone - not counting benefits. Pay only 3% of their healthcare. Were offered 16% over four years in a city that is broke. They decided to strike instead. They want 30%. Only 56% graduation rate. Average FAMILY in Chicago makes $47K.
I believe our economic problems are the result of disregulation and credit gone wild. Both parties contributed to this. The other thing is the automization of whatever manufacturing there is, while we are shifting into the information era. Hopefully young people are getting enough skills for the new jobs. The US economy will depend upon immigration because we need workers with sufficient skill to take over the new jobs. My concern for the baby boomers is whether mutual funds will collapse once enough shares are taken out of the 401k plans by retirees. The last impression alone is causing some worry, because gold does not seem to be a safe alternative. Seems smart investors still have to go with the US economy once all is said and done.
The primary problem that caused this financial mess and deep recession was the housing bubble. Plenty of blame to go around but the MAIN causes were, a) the crazy push to get mortgages to people who would never pay. This started as a reaction to discrimination against WORTHY minorities, but became what we now know. b) Three acts by the government in the late 90's enabled problem a) to take off - 1) the reversal of the Glass - Steagall Act, which separated traditional banking from the riskier financial business. This was pushed by then Treasury Secy Robert Rubin. He of Goldman Sachs. 2) The decision in the 90's NOT to regulate derivatives, and, most important of all, 3) allowing Fannie Mae and Freddie Mac to back up banks in their risky bundling and reselling of sub-prime mortgages. One can easily google to see who was behind all of these aspects.
Rosemary this is not a criticism, but why do we need immigration when the Current populace is unemployed?
How do we employ enough people when mechanization replaces so many manhours, and with superior precision and reliability in many cases?
Less uninsured people means lower health care costs for all of us because we end up paying for those without insurance anyway! Also the cost of health insurance was only up 4% this year - much smaller increase than in recent years.
Did not see the 4% figure. That sounds way low to me. Source??
It says most of the new insured are young adults. As a group, they will increase the cost to all of us, not decrease, because they are much less likely to have serious problems that go undetected until too late in the ER. That IS the case for older uninsured people. This trend will not continue either. As the article says, the dumb law encourages individuals and businesses NOT to get insurance because the tax is lower than the premium.
At the moment- I wish the health insurance companies would get the he# ouuta the way. I 'feel ' like they just suck up way too much money to administer between patients and providers... grumble grumble. If they were fair about statistics, how come our clean colonoscopies don't earn us a discount? It's all 'pre existing (denilal) and no reward for certification of absence of disease.
Cat - forgot to comment on your other link. You said the cost of health insurance was up only 4% this year. The article points out that it is only premiums that are up that much so far - not the cost of health insurance. It goes on to say that more people are paying higher out of pocket for their care. That is not something to celebrate. Also, as a percentage of their shrinking income, health costs are taking an even larger bite. As I posted yesterday, median income is lowest since '95. Middle class is getting decimated.
Well yet another bailout announced by the Fed - so-called QE3 (quantitative easing where they leave rates alone, but keep buying more treasury bonds) to begin. I really don't see why this one would work where the others did not. What small businessman will now hire someone because the Fed is buying Treasuries???
Back to personal finance - has anyone really taken the time to try to estimate how much $ they will really need in retirement?? I will admit I have not. We just save as much as we can. Lots of variables, of course, like where you will be living. We will DEF not be in NY. Would like a small place, little or no maintenance and want to be able to travel.
What are your thoughts? Will you move? What do you want to be able to do?
Haven't really taken any time to look at finances when we retire other to look at those ss statements you get periodically telling you how much you're going to get a month...you know if I die now my kids will get more a month then if I live till retirement? what the heck!
I have done the retirement budget for my financial advisor. Every time I see him I have to update the amounts because utilities and taxes on my house keep going up. Also my vet bills are astronimical(sp)! I really can't retire until the cats go over the rainbow bridge. I have already planned to only take in Foster Cats when I retire so that I won't have the vet bills.
I think about retirement every week, every time there is a crazy day at work. There is no actual way to know when to retire because there is no way to predict investments, real estate or future health care costs and needs. I have figured it best by knowing when I can collect half of my husband's social security benefit at age 66 1/2, what I can save now into a variety of accounts with different risks, and what my pension will be. I consider also what I can do now to earn some money in retirement. If I decide to get nationally certified to do my work, would i enjoy some travel to do that, etc. Before I spend any money I ask what the return from the investment will be, even if it's to go out to dinner, because I need to relax, etc.
have not done anything about this either other than to save what we can. do not plan on moving as i have spent to much time building this yard. My wife would move today. I just tell her we need to be able to carry two properties for a year as i would need the time to move every rock/tree/bush i could!
I get depressed when I think about retirement - so I try not to think about it and try not to spend any money that I can avoid spending. I know that I will have to move to another State and then I get depressed about trying to un-hoard my house before I can put it on the market. Then I eat chocolate and feel much better!
In theory- we are open to the idea of downsizing to get out of Mary-Tax-Land. I saw with my mom how caring for a house became difficult. In reality though- that was where she had all her happy memories of raising her kids. And me, this house, has mine. It'll be tough. Also for short term, this is a good location for our own kids to jump off out of college.
Plenty of fast food.
(ba dump- dump- tchchch)
Downsizing and changing location can mean also having to build a new social network and learn a new area. THe older you are when you do that, the more challenge I think it would be.
I have a Sister in Virgina who is always telling me about the tax breaks there - no income tax on Social Security income for seniors for one. I have a Sister in Arizona and would move there except that they are selling their property with the guest house that I was scheming to rent! I can't go back to California - too expensive! When I was teaching two classes a year, I could pay my property tax from that, but now that it is one class and that is a maybe, I better plan on moving. Of course my house may not be worth enough to have anything left over from the sale . . . I NEED CHOCOLATE!
First the location, then the concept- DH has said he has no interest in having to fix up an older home himself. I kinda like the idea of some of those historic houses with their great layouts. But we have friends who've gone that route- historic in Salisbury MD- and it ain't no picnic, financially or work wise. Cedar roof, wooden exterior painting, rotted bathroom subfloor., no central AC, tiny cramped kitchen, so much maintenance on old wood. Used it as beach-ish 2nd house.
We have always thought about what we would NEED in retirement, so never spent a lot for vacations, except for the last two years. Always went camping. We don't eat out much either. We would like to move out of NJ someday. However we have grandies around the corner. That speaks volumes!!! But, there is no guarantee they will stay here forever. We would like to be near at least one of our kids. My in-laws moved to VA which was halfway between NJ and GA where their kids lived and they only saw them a couple of times a year. It was a major effort to drive there with a van full of kids to visit them. So we determined that when the time came we would like to be near family.
Have been trying to build up a portfolio that we could use to bolster SS. I am slowly purging the stuff in the house cuz it's just stuff. The kids have gotten things they want, so... When my folks moved in here we probably could have opened an antique store with the things they brought. I have attachment to some things, but in reality I could get rid of a lot.
Our decision to be made now is whether we want long-term care insurance. We are waiting on our financial guy with a number for the premium. My mom had it, but we didn't use it, cuz I was able to keep her here at home. Is this something you all have considered? Do you consider it worthwhile? Why or why not?
All my mother's extra health policies (like a cancer policy) were wasted money. Even if she had a long-term care policy, it wouldn't have done much good as far as what it provided. She lost her real property assets through misguided financial management not too long before her stroke, but Assisted Living facilities would have eaten it up in a heartbeat anyway.
The real need is for folks with a spouse to look at what they need if one is stricken so the other can still survive while the other is maintained with care.
My mom would never have used it- She was self sufficient (me a half hour away) till quite late, and her medicare and retirement health benefits covered everything she ever needed in hospital and rehab (hip replacement, byppass, stents, chronic leukemia, over about fifteen year span not all at once!) I think she'd have just died rather than go to assisted living. OTOH, my BIL sister was just diagnosed with alzheimer's. She's getting rough, she lives with her mother, who naturally hoped that the DD would be the helper to the mom. There is a genetic component, doc said. Yet her older brother (69) and her mother (88) are both not affected- Who the heck ever knows.
RIght now we don't feel we have any extra cash to even consider it. and given my grumpy feelings on insurance co's, I'd rather buy bonds.
I considered and rejected long term care insurance. The chances of using it is 50-50 I am told. Of my 4 Grandparents there was maybe 6 month of long term care between them and I have better health than they did. Also I have in my medical directives that I am not to be given anything to extend my life if I get to long term care.
Nothing galls me as those who seem to take advantage of our precious elders. Ugh!!! Best laid plans... Mom's Medicare and supplemental insurance covered most everything, 'cept her meds. The hospice care was cheaper than a facility anyway. I need to stay on the good side of our DDILs. Heehee
Yes, that is another thing we need to do is the medical directives and update our wills.
We have had long term insurance for a long time. When you are young when you start, it is very reasonable. I def think it's worth it. Enables you to stay in your home vs being institutionalized, among other things.
One item to consider with the living will issue- on a frail elderly patient, unless otherwise directed, they would have to do a full (aggressive) resuscitation on cardiac arrest. Spare the details, it is not something you'd want to put that patient through.
Google has very fine restaurants for their employee's (closest Boston), Say they buy 360 lbs of delmonico steaks and only serves 100 lbs. The rest goes in the trash. Everything they dont serve goes in the trash. Its a pitty they dont send it to food shelters.
victorgardener wrote:Great charity that I have given to for years - City Harvest - goes around to restaurants, diners, delis, etc., and collects leftovers to feed the poor.
I've often thought there should be a similar program to redistribute the millions of starter veggies, annuals, perennials, shrubs and trees that are trashed every season and go to our landfills instead of even being composted.
When I lived in Asheville, there was "The Blue Bus" that provided a free hot bowl of soup, a salad and a slice of bread daily in the scuzzy part of downtown to anyone who lined up. The hippy guy behind it was driving through Asheville when the bus broke down, so he stayed. Every evening he went around and collected produce and day old bread that he prepared on the bus in huge ss vats, and had proper 2 or 3 stage washing vessels to clean the bowls and utensils. He disappeared after a couple of years... the City officials probably shut him down.
If anyone needs a credit card there is this offer from Chase with no interest until Jan 2014 and no charge for balance transfers. I love these zero interest cards although it does encourage me to spend more than I should. I don't want to get in trouble so I changed the . in the link to DOT. I just get behind with all the vet bills and my house payment went up $80 a month partially because my homeowners insurance went up 33% last year and the escrow had been calculated before the change. I have got to move out of Connecticut when I retire - no choice - it is too expensive here.
Wow - 33% in one year?!! Probably influenced by the two storms last year? Yes, it is discouraging knowing you HAVE to move for retirement. We want to always be near the kids - especially when they are married and have kids - but the best retirement places are not always the best jobs places.
My Flat Liner job. 2 weeks I will be getting a reassement for a raise. Yippee. Found out I am earning paid vacation time. Yippee.
Now the light at the end of the tunnel. I found out today that the company has taken on a new client. Only took 15 stores throughout New England. I had to sign a form I would not talk about companies business between each other. OK so, what I am leaning to is I could get another store, not 1 but maybe 2.
Not only that they will need Supervisors!!!! :-) Me Me Me Lets wait & see. :-)
Wish it was the fiscal cliff crumbling! I'm paying lots of attention to emerging growth mutual funds in my retirement account right now. Unlike stocks I can pull out quickly. Account manager said lots of people are putting it all there. I wouldn't do that!
After what was said in last nights debate, it looks like high interest paying stocks might do allrignt too. In order to have these accounts that are still growing well, I don't spend money.
Google's shares were slammed today when their earning's were accidentally released during market hours. They lost a ton of money and shares dipped 9% before they actually halted selling. Of course, this doesn't bode well for a lot of the other tech companies not to mention what it says about the companies that would have been paying Google money for advertising.
Son loves chocolate chip waffles, I usually buy the Eggos cause it's just fast and easy on school mornings
Went to buy some today the 24 count was 6.99!!!! YIKES, needless to say I bought the no name brand this time
Another bad day for the stock market - this time it was Apple's turn to lead the way down. Apparently investors didn't like the pricing on the new iPad Mini. The stock was down 3% today and is down about 13% from its high of $705 a month ago.
Actually, the cost of living in SW Virginia isn't bad... there's just a lack of the "city" conveniences we have come to enjoy. 6 years ago I paid $89K for this 19 acre property with house, run-down barn, outbuildings, spring... and creekfront. Most of the land is steep, and wooded, but what's around the house is enough for several gardens.
Down now. Even McDonald's sales down for the first time in a decade. I see worse times on the near horizon. I see Israel now attacking Iran sooner than later. Higher taxes no matter what happens with the fiscal cliff. Continued Euro problems, as I have said now for months and months. No real good news out there at all.
schickenlady wrote:I will be going into the "Holiday Mode" = More hours more sore muscles. Good Grief. I am still not sold on this job. It is a LEAN job. Better then nothing but very lean & not reliable.
The company I work for Key Floral picked up another chain of supermarkets but only took on 15 of the stores throughout the NE.
I am taking on another store starting Monday. I will now hove 30 hrs per week big :-)
See all these companies that just layed off a bunch of people in the US?
- Research in Motion Ltd.
- Lightyear Network Solutions
- Providence Journal
- Hawker Beechcraft
...- CVPH Medical Center
- US Cellular
- Momentive Performance Materials
- Brake Parts
- Gameforge Berlin
- Vestas Wind Systems
- SRA International
- Majestic Star Casino and Hotel
- Center for Hospice NY
- Lower Bucks Hospital
- Oce North America
- United Blood Services Gulf
- Atlantic Lottery Corporation
- Welch Allyn
- Dana Holding
- Boston Scientific
- Smith & Nephew
- Abbott Labs
- Kinetic Concepts
- St. Jude
- Hill Rom
- Darden Restaurants
- Umatilla Chemical
Add Northrup Grumman, our local division announced yet another layoff, of primarily executive and managerial positions this time- of course, since the engineering and tech ppl have been laying off for a couple years now. Radar systems for airports and defense.
Thats great schickenlady! So glad it paid off to try it at starter level.
Bill, I was SCREAMING that during the debates. No fiscal cliff discussion and no healthcare law discussion. Almost no stimulus discussion. What a joke.
I love how this fiscal cliff crap is framed as this crisis that has 'fallen from the sky' and now requires real leadership and compromise. These are the same morons who came up with and agreed to this in the first place! It was and is a horrible idea. Amazing.
Many families with kids and grandkids aren't going to be able to sustain themselves in a large populated area for much longer.
Some of my friends are looking to relocate to a property large enough for 2-3 generations of their families with a large garden area, berries and fruit trees, maybe room for a milk cow or two, and some fowl for eggs and meat. A property capable of having several houses if needed, not all in one house, LOL.
Having said that, I would have taken my mother in after her stroke if I'd had another bedroom. She would have had better food and more personal care than the $5,000/month assisted living provided.Plus, research is showing that healing is improved by a supportive environment.
My perspective is that we don't have a good alternative to supporting the US. What country is doing a better job? I am still shocked every day at how badly we as a nation are using the new media, and how easily we are manipulated by it. Neither presidential candidate said anything with any content about how to address the US debt. This is the same situation FDR had. His government was facing a transition from the agrarian society to an industrial one, when investors goofed it up. Now that we are post industrial, we are amidst another major economic revolution.
I didn't see the Warren interview. This is her first elected office so she is learning the ropes of politics. I wonder if I could have handled the press any better in her shoes.
So far, no signs that i should change my investment strategy in any significant way yet except to put some funds in a safe investment to help our kids pay for college and to make retirement plans, which is already done. Even as campaign rhetoric avoided the fiscal cliff, the financial markets have known about it all along. We are getting pressure from the panic sellers, who are themselves losing a lot of money though. A financial aid is Dollar Cost Averaging. i'd like to know how many people used that strategy to buy securities when the prices were high so if prices went down, they would get a better value in the next buy-in month. We have such amazing technology, but there is so little information in the public's hands about where the real hazards and strengths are within our economy.
Darius has an interesting perspective, one which is people-centered, and I wish you success. There are relatives in both my side and in my DH's side who have tried to do that. It is hard to handle unexpected property taxes and expenses of upkeep. One young niece-in law wants to take over the family farm but make it organic. She is only now waking up to the economic management she would have to learn about, so she is leaving her much dreamed about college because it would cause her to start out in debt from college costs.
We are fully expecting our kids to have to live with us after college. THis era of going out on your own right away, and of buying second homes and retirement homes, is fast going away. The best home plan in my mind is those that have separate but somewhat equal 'master bedroom' setups.
I might not be the greatest gardener but I have yet to meaningfully offset my food costs the way I garden on this half acre suburban lot. I think I lose a lot of efficiency of scale. Yet making the move to a rural area might mean giving up on employment.
You can have a big garden but there is no possible way, 1 person can take care of it. NO WAY, NO HOW.
I have always thought of a community garden. Break it up into 8' x 16' or 8 x 8 and everyone takes care of their own space and everyone shares. Then again with the way some young people think today - I dont even want to go there.
The community garden movement is growing in my region. it is very hard to preserve the old farmlands from entirely going into housing developments, so I applaud when a group is successful. Someday we may really need more local produce.
Sally, I was thinking along the lines of "when employment gives up on you" rather than giving up employment to move more rural.
Sherrie, when my mother was growing up, her dad had a paid position (until the Great Depression) which paid major things requiring cash, like property taxes, utilities, etc. He also did the major farm work like plowing, but each kid had responsibility for at least one food in the garden.
No way could I manage enough garden to feed several people. I do make a dent in my food budget by what I grow and preserve, and it gets a little better each year as I'm healing the soil. I still have to attribute lower yields because I'm constantly experimenting to see what works best to grow nutritionally dense foods, something not necessarily available in local organic foods.
If I just had one able (and interested) person younger than my 72 years, I could produce more in my garden.
Rosemary i am thinking that it is a deval thing - she acted the same way early on at a media event assuming he would answer all questions instead of taking the lead on obvious questions directed to her. she certainly did not look or act like this during any of the debates. time will tell although i would want someone who is a senator to act like one from the get go.
I don't know anyone who has seriously discussed entitlement reform claim that the chunk of it is something other than ss, medicare and medicaid. And when you hear about reform, it is usually ss and medicare. Just because most of the people receiving these benefits are not lazy bums, it does NOT make it any less of a crisis. If the money is not there, it is not there. Unfortunately, these programs HAVE encouraged dependency over the decades. SS, for example, was never meant to be what it has become. Go back and read what FDR said about it at the time of its inception. It was an EMERGENCY fund, not a retirement fund. And guess what - even he encouraged private accounts in ss. Gasp!
As for the class warfare argument that the 'rich' need to pay more to help on the deficit - a 100% tax rate on the upper income group would not even fully reduce the CURRENT annual deficit! Therefore, it would not even reduce the overall, accumulated national debt. It is so obvious that it is the spending that is the problem, but no one has ever had the guts to do anything about it - just like in Europe. Future is bleak.
The Quote "There are 47 percent of the people who will vote for the president no matter what. All right, there are 47 percent who are with him, who are dependent upon government, who believe that they are victims, who believe the government has a responsibility to care for them, who believe that they are entitled to health care, to food, to housing, to you-name-it -- that that's an entitlement. And the government should give it to them. And they will vote for this president no matter what. ... These are people who pay no income tax. ... [M]y job is not to worry about those people. I'll never convince them they should take personal responsibility and care for their lives."
Yeah, but we people in DG might vote for policies to make sense! And gardeners aren't the only ones who are "grounded." Sadly, I am hearing about families that just keep totally indulging their kids without teaching responsibility. There will never be an end to "entitlement."
The company I work for Key Floral picked up another chain of supermarkets but only took on 15 of the stores throughout the NE.
I am taking on another store starting Monday. I will now have 30 hrs per week big :-)
UGHHH - I dont think I can handle taking on another store in the Holiday Mode. I go to the New store & met the lady that I will be taking her place, and she is one GRUMPY older lady. I dont think I can handle doing 2 store deliveries on the same day. I will give it 2 weeks. I told my supervisor I wont leave her hanging. I shouldnt of been shoved into Holiday Mode. At work @ 6 and just getting home @ 6. I think I will run for President.
Thursday is delivery day for both stores. But now they are chaning it to Monday for Thanksgiving.
My 6-7 hour day (in my store) is Poooof, Nothing. Now the Holiday Mode I will have to do my 6 or so hours, go home at 2 and go back at 4 to 7.
How am I going to do 2 stores on the same day and it take me 45 mins to get to the 2nd store? I am not a mathamatician but the numbers are not sounding appealing.
I CANT BE AT BOTH STORES! Maybe my supervisor is trying to drive me crazy.
Market continues to swoon. I think it will continue even if some 'agreement' on the fiscal cliff is announced. It will bounce immediately after that, but then reality comes back. Corporate profits are down. Other taxes, fees, mandates, regulations going ahead unabated.
Cool - let's see those states negitiate their own trade agreements with every single country in the world that they want to trade with, build and maintain public works and roads, handle epidemics without the CDC, print their own currency and postage, provide for protection of their citizens from civil unrest, natural disasters and foreign (including other state) powers - for a start.
I believe most states def would be better at most of those functions. Most of the 'new jobs created' in the past four years have been in those states. Majority of food stamps and welfare recipients are in the other states. Just facts.
Mem - you're under the illusion that the Feds actually DO the things you stated. With the exception of coordinating a response to an epidemic and, of course, negotiating trade deals, they primarily give block grants to do all the other things. That's one of the major gripes of states. We send money to DC and then have to beg for some to come back. Makes no sense. Then, on top of that, they make all these rules and mandates and don't pay for them.
As for negotiating trade deals, these states would have an EASIER job of it since most of them are right to work states.
Dang. Had a guy check out my dishwasher. Motor shot! Sears Kenmore really sucks these days. Will replace with Whirlpool. Though about 10 or 11 years old, it really was not used that much. We wash by hand unless a large load.
TX has ample resources which could make it possible for the state to be a fairly strong country financially. Oil and gas, seaports, livestock, fruit and produce, farming, industry, etc.
But yes, WHA is correct. It is a statement ~ a peaceful means of protest.
At one point TX had retained the right to secede when it initially joined the union but has since forfeited that right.
Some states' have refused gov't funding so they can mandate what is best for that state... one being Montana which refused federal funds for the roads thus able to set the speed limits best suited for their specific conditions. The feds mandate education, etc by jerking the states financial chain threatening to withhold funds. Some of the more financially sound states are saying... keep it, we will control our own.
FlowAjen ~ come on down... you'd be welcome although I can't say we don't see hurricanes. lol
I used to like our governor...he announced that we shouldn't be surprised that our taxes will increase to cover recovery costs...WHAT??? We already pay crazy taxes AND pay to get on our own beaches AND pay to park down the shore
Not that there is any federal disaster $ to be had, but there should be.Then there's Insurance coverage(if you live in a 100 year flood plain you were required to have flood insurance) It may take awhile to raise $ so maybe these house won't be back up next year and maybe we shouldn't rebuild on the barrier islands
Here is what ;came up on my Facebook on the Hostess bankruptcy:
Hostess is in bankruptcy for the second time since 2009 and a major factor in their inability to succeed is that over the past eight years, they were owned by Wall Street investors that were restructuring experts, managers from other non-baking food companies, and now a liquidation specialist. There was no plan for Hostess to succeed and it appears that was the objective all along.
Hostess’s failure was compounded by having six CEO’s in 8 years who had no experience in the bread or cake baking industry, and despite their financial woes, the company’s CEO got a 300% salary increase from $750,000 to $2,250,000, and other top executives received raises worth hundreds-of-thousands of dollars; all while the company was struggling. Instead of acknowledging the lack of competent leadership and exorbitant executive salaries as contributing to the company’s decision to close its doors, CEO Gregory Rayburn issued a statement saying, “We deeply regret the necessity of today’s decision, but we do not have the financial resources to weather an extended nationwide strike.” However, Rayburn and Hostess management claimed the strike would be responsible for closing plants even before there was a strike, and they had made plans to close plants whether or not workers accepted the Draconian wage and benefit cuts the company offered, or if they went on strike.
Hostess workers previously made numerous concessions to keep the company afloat, but they were not enough for the company’s management so they stopped making contractually-obligated contributions to employee’s pensions to save money. The employees stayed on the job until management offered a new contract cutting wages and benefits an extra 27 – 32 percent that prompted employees to strike and thus become scapegoats for Hostess’s demise. What Hostess failed to tell the public is that plans were in the works to close plants months before offering to slash workers’ wages. According to the company’s 1113 bankruptcy court filing earlier this year, they planned to close at least nine bakeries as part of its reorganization plan in addition to the three bakeries that were to be closed as a result of the company’s planned sale of its Merita division. In a November article, St. Louis Mayor Francis Slay said, “I was told months ago they were planning on closing the site in St. Louis, and there was no indication at that time it had anything to do with the strike the workers were waging.”
Sorry, but that is overtly political. Fact is a bankruptcy JUDGE was calling the shots since the first bankruptcy. A few thousand union bakers decided they would rather liquidate the company than continue under COURT ORDERED cuts. So instead 18,000 lose their job entirely. Yeah, that's fair. To me, that is the economic equivalent of a suicide bomber, plain and simple.
This year, we're going to kick off the holiday shopping season with
the most exciting Black Friday in our history. And yes, we're going to
start our Black Friday--on Friday.
I know that some retailers are opening on Thanksgiving this year. But
spending Thanksgiving with family is one of America's greatest
traditions. Since jcp was founded on the Golden Rule, I'm proud to
honor this tradition by keeping our stores closed on this special day.
I hope our customers and employees all enjoy a wonderful holiday with
And when we open at 6:00am the following day, we'll be honoring
another great American tradition--Black Friday--with our one big sale
of the year.
And that's just the start. On Black Friday, we also launch our Merry
Christmas America campaign. We'll be giving away 80 million
commemorative buttons, 20 million of which will win a great gift.
Simply get a button at jcp, then visit jcp.com/christmas and enter the
code on your button to see if you've won. You'll get another
button-and another chance to win--every time you visit jcp during the
holiday season (while supplies last).
Secretary of Treasury wants to entirely eliminate debt ceiling. What can go wrong??! Don't we all call our credit card company and ask them to raise or even eliminate our credit limit entirely when we show we cannot pay down our balance? Aren't they so happy to help?? Twilight Zone.
Twinkies- Lets DUMP the senior managers and use all that money to keep the underlings working as long as they will. They probably know what to do just as well. What a load of carp. Didn't the senior managers earn big salaries before on the premise that they knew how to manage, and not go out of business.? Insane.
And yeah, you only have to talk to your neighbors to know the recovery is struggling.
I am happy to have you hijack the thread with your work schedule because it is so much better than you not working and being worried and depressed! Go Sherrie, go! (Although, I do miss the pretty cups and saucers...)
My girlfriend and me. We alternate houses and she does the turkey and hosts this year. Then we go to the movies. On Christmas we eat out (I already have a Groupon for a favorite Indian Restaurant in Downtown New Haven) and then we go to the movies.
The best part is that she is NOT going to make pumpkin pie with soy milk this year! Woo Hoo!
After doing this for a number of years we have lists of "never agains" like brussel sprouts, marshmallows on sweet potatoes, that stupid canned green bean, mushroom soup and fried onion ring casserole, etc.
One year she insisted that I hadn't cooked the turkey to a high enough temperature and I had to put it back in the oven. That was the famous Kalahari Turkey year. (She has promised never to tell me how to cook the turkey again.)
My homeowners insurance went from $ 884 in 2011 to $1089 in 2012 and $720 in 2013, WTF? Now I have to read the entire policy to see why it is so much lower. My house payment is set prior to the mortgage company getting the insurance bill - so last year they didn't raise the payment to cover the HUGE increase, so this year my payment is $80 a month more to cover last years increase and this years insurance at the $1089 - which is only $ 720. Anyone else thing I should change insurance companies?
We have Erie with car and home both, one assumes some sort of 'better' deal. I doubt it can hurt to shop around.
Last time I shopped, one of them asked specifically if we had a trampoline. Remember all the hoo ha about trampolines?
Years ago the company I worked for provided a leased car, a Mercedes sedan, because often I had to take medical doctors to lunch or dinner. Mercedes had a chart of car colors based on accident stats. White was the best, then the various cream colors, then pale colors. Red and Blue were in the group with the most accidents... and red cars get more attention on the highways from the police.