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Northeast Gardening: Money Matters - Part 15

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victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 20, 2013
8:44 PM

Post #9391925

Coming from here:

http://davesgarden.com/community/forums/t/1288812/

Money, saving, retirement, purchases, investing, etc. - this is the place!

New additions to the book collection - Peter Pan in Kensington Gardens, The Iceman Cometh (O'Neill) and Intruder in the Dust (Faulkner).
Jan23
Salem Cnty, NJ
(Zone 7b)

January 21, 2013
6:37 AM

Post #9392150

Cool. I should be getting a check soon for 2 pieces of silver that sold in an auction in Dec.

Jeff got a roll of pre glued wood veneer strip. You use a hot iron to adhere it to the edge. WHAT a time saver!!! Amazing. I keep telling him time is money. He made his own before. The kitchen is moving more toward completion. It has been a several year project. Window trim is up and more cabinets are being made to surround the vent hood and another pantry tower(for lack of a better word) that I will use to store sewing supplies and sewing machine. anxious to show it off at the roundup/plant swap at my house in May.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

January 21, 2013
7:18 AM

Post #9392198

yay Jan!
TIme IS money. I think I'm buying tiles today for backsplash. Sheets on mesh are a bit more than individual but will speed up a novice like me.

WHy am I so resistant to getting rid of the home landline? Really serves no purpose.

darius

darius
So.App.Mtns.
United States
(Zone 5b)

January 21, 2013
8:24 AM

Post #9392308

Jan, I've used both pre-glued veneer, and the old-fashioned kind that needs gluing. I never had much success with the pre-glued narrow strips for edges. I was much better with gluing larger surface areas but clamping was a bear. I need to replace the buckling rosewood veneer on the top of an antique chest I have, but it might be years before I (or my heirs) get around to it.

There used to be a place on the waterfront (in what was the run-down, seedy section near downtown Baltimore) that carried an incredible selection of both exotic hardwoods, hardwood veneers, and veneered 4 x 8 sheets. I bought marine-quality mahogany sheets from them for a boat I built, and over time, lots of other wood for small projects. Now, good veneers are hard to find (and solid wood almost impossible), at least in a place where you can see/feel/touch before selling your first-born to buy them.

Sally, I've done the small tiles on mesh... they're a great way to install decent-looking tile. Good Luck!

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

January 21, 2013
11:26 AM

Post #9392490

wow Darius, my dad took me to that wood place once, i was about fourteen so early seventies Neat place. We bought a hunk of balsa so I could try to carve a raccoon..

Well, we went to the local tile specialty place where our neighbor works, and got the individual tiles, but ON SALE, so good price, good advice, extra help if I need it, and gave some $ to local biz.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

January 21, 2013
11:28 AM

Post #9392494

wow Darius, my dad took me to that wood place once, i was about fourteen so early seventies Neat place. We bought a hunk of balsa so I could try to carve a raccoon..

Well, we went to the local tile specialty place where our neighbor works, and got the individual tiles, but ON SALE, so good price, good advice, extra help if I need it, and gave some $ to local "small" biz.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 21, 2013
11:29 AM

Post #9392496

Can you repeat that, Sally? ;)

This message was edited Jan 21, 2013 2:29 PM
Jan23
Salem Cnty, NJ
(Zone 7b)

January 21, 2013
12:23 PM

Post #9392544

Cool, Darius! We'll watch the edges he has done so far to see if there are any problems. Thanks for the info!

Yay, Sally. Glad you have a source of help if needed. I would be inclined to use the mesh myself. Supporting locals biz-priceless! Will you have it up by Friday? LOL. I am waiting to hear from DS.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

January 21, 2013
1:03 PM

Post #9392609

((agh how did that happen??)) working with new
mac book, maybe i swooshed between pages too enthusiastically!

Will you have it up by Friday?
LOL indeed!!! First challenge to clear off counter by then!

darius

darius
So.App.Mtns.
United States
(Zone 5b)

January 21, 2013
1:42 PM

Post #9392664

Oh, what I'd give for a new Macbook... except the $$ I don't have! I did just replace my 6 year old 17" Mac Laptop Pro with a slightly newer one (although only 6 months newer) with one that has an Intel processor, and even at that, there's a learning curve even with my same old applications.

After spending 2 days trying to convert from the rented Comcast cable modem to my own new cable modem and the new wireless modem with NO success, I called my sister's techie friend to come and help. He's never worked on a Mac so it was an interesting experience... finally had to bring in my sister's PC so he had something familiar to work with.

The problem turned out to be Comcast, not my new equipment.

By dropping our 2 Comcast telephone lines, plus their rental of cable/tv modems and changing the TV "package", I've lowered our Comcast bill from $209/month to $95/month, and without lowering my internet speed. The cost of the 2 VOIP phones (and a year of service connection for each) that we bought will be paid for in just one month of savings from Comcast.

Plus, all TV cable companies have cheaper options for TV than they ever advertise (I think it's required by law). You just have to ask, and then persevere. Turns out we can get ALL the same channels we normally watch (channels 1-180) for $50 cheaper per month. Who knew??

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 21, 2013
1:48 PM

Post #9392674

Yes, I have to look into that with FIOS. I am sure I am overpaying.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

January 21, 2013
2:12 PM

Post #9392702

THis is our first Mac product and yeah, different. DH just HAD to treat himself to it. I am still more comfortable with the PC.

Good going on the Comcast bill, Darius. I guess we should try to squeeze FIOS too.

I heard some author yesterday talking about the monopoly of cable companies, she referred mainly to Comcast. Said Koreans come here and laugh at our horrible expensive internet access.
coleup
annapolis, MD
(Zone 7b)

January 21, 2013
3:46 PM

Post #9392783

Echoing you and Sally, Darius, Awesome wood place where I could have lingered much longer than each visit would allow. We were boatbuilding, too. Did pick up some scrap pieces of exotic woods. So cool to see the grains and colors, feel and smells were transportative and stirred many a travel and adventure dream in me! What a wide wide world.
Jan23
Salem Cnty, NJ
(Zone 7b)

January 21, 2013
5:03 PM

Post #9392852

Will have to check I to a wood place and take DH on a field trip for his birthday!!

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 22, 2013
7:59 AM

Post #9393550

Ha! Even the former French President is moving to England to avoid the obscene 75% tax rate. So dumb to think people who CAN move, won't.
coleup
annapolis, MD
(Zone 7b)

January 22, 2013
9:29 AM

Post #9393639

Jan, here is a link to exotic wood in Annapolis!

http://exoticlumberinc.clickforward.com/?adid-2E343B92-B097-442c-BFA5-BE371E0325A2=1478313&kw-2E343B92-B097-442c-BFA5-BE371E0325A2=imported wood
Jan23
Salem Cnty, NJ
(Zone 7b)

January 22, 2013
10:02 AM

Post #9393675

Woot, woot!! Thanks, coleup

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 24, 2013
7:13 AM

Post #9395825

Apple down 10% so far. Not far from its 52 week low. Hmmmmm...

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 28, 2013
3:18 PM

Post #9400495

Not like it's real money.

http://www.detroitnews.com/article/20130128/AUTO0103/301280422

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

January 28, 2013
3:25 PM

Post #9400507

uuuunnnngggghhhhh
"Treasury noted that average cash pay was cut by more than 90 percent over the pay received before the bailouts." So these execs were soaking it up from their companies while the companies were circling the drain: nice.

"GM wanted to retain the employee and do something a little nice." YEah I want to retain my right to eat out unfast food, once in a while, and do something nice for my kids. But when I don't have the money, it can't happen.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 28, 2013
3:31 PM

Post #9400519

Leave it to the gov to always have our best interests at heart.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 28, 2013
4:32 PM

Post #9400572

My cousin's daughter won a 3/4 scholarship to St. John's. Of course, she want to go to Hofstra.

flowAjen

flowAjen
central, NJ
(Zone 6b)

January 28, 2013
7:37 PM

Post #9400764

I can't even watch or read any news anymore, I just sit there shaking my head in disbelief

Hear the new 4% service fee merchants want to start charging customers to balance out the fee the cc companies charge them?
This really makes no sense to me
We accept Visa/MC and Discover, Amex fees are too high. but for merchant services it's a small % of the total bill, now...if I charge extra 4%, that makes the total bill higher then the merchant service fee will be higher because it is a % of the total...so the merchant isn't making the $ it's the cc company. Don't they make enough $ off late fees and interest charges...geez!!!!!!!!!!!

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

January 29, 2013
12:08 AM

Post #9400906

That explains why my gym sent a letter- credit will be charged $3 per month, so we switched to auto payments from checking.
They don't make any money from US on late fees and interest- perish the thought!
; ^)
Gimme my rewards and don't even THINK we are running a balance.

If only the homeowners line of credit had rewards---SIGH

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 29, 2013
4:54 AM

Post #9400979

Not allowed in NY.
AYankeeCat
Fairfield County, CT
(Zone 6b)

January 29, 2013
6:57 AM

Post #9401116

Or CT. I try to pay with cash wherever I can because I know it costs the seller more and then prices have to go up to cover the fees.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 29, 2013
10:43 AM

Post #9401336

Oh goody!

http://thehill.com/blogs/on-the-money/economy/279857-report-fiscal-outlook-not-improved-by-debt-deal#ixzz2JOAYHF2u

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

January 29, 2013
1:32 PM

Post #9401607

victor, i've run out of mangled letter sequences to do justice to your news links!!!!!!!!!!!!!!!!!!!

Some small businesses really like your change , some banks charge to provide change, I was told once.

If I start using cash I'll have to start getting fifties!!!! twenties go frighteningly fast.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 29, 2013
2:20 PM

Post #9401644

Think you got it bad?? You have more $ than an entire country.

http://www.zerohedge.com/news/2013-01-29/zimbabwes-total-cash-hand-21700
Jan23
Salem Cnty, NJ
(Zone 7b)

January 29, 2013
3:40 PM

Post #9401757

I liked the last statement in parentheses of that report. Well, I didn't really LIKE it, but you understand what I mean I hope.

It is hard to keep up with you, Victor.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 30, 2013
5:35 AM

Post #9402295

Wow - GDP was negative in 4th quarter! And the most pressing issue is immigration...

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 30, 2013
6:31 AM

Post #9402352

Fed stimulus injected in Q4: $165 billion. GDP added in Q4: -$5 billion. Yikes.

flowAjen

flowAjen
central, NJ
(Zone 6b)

January 30, 2013
6:35 AM

Post #9402361

See the news about 1 of our wonderful Senators? UGH

Got a letter saying we make too much $ so we won't be getting our homestead rebate this year...hmmmmm

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 30, 2013
6:46 AM

Post #9402372

Yes - same senator whose illegal alien worker's arrest was delayed until after the election.

flowAjen

flowAjen
central, NJ
(Zone 6b)

January 30, 2013
7:53 AM

Post #9402438

uh huh, that would be the 1
son is doing a project on NJ and they want pictures of 1 of the Senators in it...do I have to???? UGH can't stand either 1 of them

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

January 31, 2013
6:01 PM

Post #9404251

Bargain! Hate to say told you so...

http://m.cnsnews.com/news/article/irs-cheapest-obamacare-plan-will-be-20000-family

flowAjen

flowAjen
central, NJ
(Zone 6b)

January 31, 2013
7:21 PM

Post #9404338

We're already paying 18,000 a year

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

January 31, 2013
7:43 PM

Post #9404369

We went really cheap with high deductible.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 1, 2013
5:23 AM

Post #9404603

Wow, Jen!

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 1, 2013
5:51 AM

Post #9404627

Disappointing jobs number once again. Broken record. 7.9% official unemployment rate. But...'10.8%: That's what the unemployment rate would be if the labor force participation rate was the same as in Jan. 2009.'

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 1, 2013
5:52 AM

Post #9404628

...and the Presidential Jobs Council was dissolved. Great job! They had not even met in over a year.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 1, 2013
5:54 AM

Post #9404631

'Broader U-6 measure remains constant at 14.4%.' That is the 'underemployment rate.'

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 1, 2013
8:37 AM

Post #9404785

victorgardener wrote:...and the Presidential Jobs Council was dissolved. Great job! They had not even met in over a year.


what a sad joke.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 1, 2013
9:15 AM

Post #9404821

...but, of course, the market is up!

flowAjen

flowAjen
central, NJ
(Zone 6b)

February 4, 2013
8:37 AM

Post #9408018

Note in utility bill, delivery fee charge is increasing $6 a year

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 4, 2013
9:14 AM

Post #9408070

Never goes down.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 4, 2013
9:15 AM

Post #9408071

Its the cost of all the labor, guys pushing the electrons into the wires...

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 4, 2013
9:16 AM

Post #9408072

And these days electrons are much fatter...
Jan23
Salem Cnty, NJ
(Zone 7b)

February 4, 2013
9:18 AM

Post #9408075

Pffftttt!!!!!

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 4, 2013
9:19 AM

Post #9408077

And that's precisely the sound they make as they are being squeezed...

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 4, 2013
9:23 AM

Post #9408080

Budget submitted to Congress late once again - four times in five years. Priorities.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 4, 2013
9:27 AM

Post #9408083

Wanna bet they ain't late to lunch at the most $$$ places in DC??

I'll be snorting randomly today with the visual of smushed electrons going pffffttt ...I think they look kinda like little Teletubbies


victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 4, 2013
9:55 AM

Post #9408116

I see them as more like the Michelin Man.

flowAjen

flowAjen
central, NJ
(Zone 6b)

February 4, 2013
11:02 AM

Post #9408172

Went to Disney on Ice with my daughter yesterday, they brought the Disney prices with them...$12 for cotton candy, I laughed at the guy and said "I don't think so!"

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 4, 2013
2:22 PM

Post #9408392

Last year, S&P was the first ratings agency to downgrade US debt. Today, the DOJ announced they are suing them - supposedly for their rating of mortgage debt during the housing crisis. Sounds fishy to me.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 6, 2013
5:25 AM

Post #9409960

Get used to this. Coming to a hospital near you...

http://www.dailymail.co.uk/news/article-2274151/NHS-scandal-Hospital-box-tick-culture-cost-hundreds-lives.html#axzz2K7oiawtn
schickenlady
Sherrie In, NH
(Zone 5a)

February 6, 2013
7:58 AM

Post #9410128

http://www.nytimes.com/2013/02/07/us/postal-service-plans-to-end-saturday-delivery.html?_r=0

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 6, 2013
10:20 AM

Post #9410235

Should have done that long ago.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 6, 2013
11:57 AM

Post #9410329

agreed on postal service. So un-proactive.

My glaucoma doc said his colleagues are dropping like flies due to upcoming changes with health care . And he says doctors are becoming "hospitalized"- coming out of school with debt $500K signing long contracts with hospitals.

There must be good money in health care- local hospitals are expanding, and making fancy rooms, nice decor...

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 6, 2013
12:00 PM

Post #9410331

Yes, for the mega-groups that own them. Not for docs.
wha
Pepperell, MA
(Zone 6a)

February 6, 2013
1:47 PM

Post #9410448

all we ever got on saturday was junk mail

flowAjen

flowAjen
central, NJ
(Zone 6b)

February 6, 2013
1:52 PM

Post #9410460

still don't understand how that saves them $ unless they were allowing the employees to work 6 days and paying overtime...but you would think if you work Saturday you get a day off during the week, just like any other job
GardenSox
Sacramento, CA
(Zone 9a)

February 6, 2013
2:01 PM

Post #9410468

You have to figure that reducing the days mail is actually delivered from 6 to 5 will decrease the cost of mail carriers by 16.6%. They should have a similar decrease in fuel costs and vehicle maintenance too.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 6, 2013
2:19 PM

Post #9410478

They work five days. Subs take the sixth day of five different routes. But now they will have to deliver six days of mail in five days, resulting in more OT. To boot, branches will still be open on Saturday. The huge loss figure you hear thrown around is BS. The PO, unlike everyone else, has to pre-fund the pension. They have been behind on those payments. That makes up a large % of this multi-billion figure used.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 7, 2013
7:00 PM

Post #9411627

As I always say, engineering and tech is the way to go, if you can hack it.

http://www.latimes.com/business/money/la-fi-mo-college-majors-20130204,0,3140035.story
schickenlady
Sherrie In, NH
(Zone 5a)

February 8, 2013
1:29 AM

Post #9411759

all the mail delivery vehicles are made of aluminium. They will NEVER rust.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 10, 2013
11:52 AM

Post #9414277

Here's the problem, in simple math:

"Typical married couple has paid $88,000 in Medicare taxes by retirement. They get $387,000 in benefits."

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 10, 2013
7:49 PM

Post #9414812

geeeeeez
Jan23
Salem Cnty, NJ
(Zone 7b)

February 11, 2013
6:17 AM

Post #9415123

WOW!!
AYankeeCat
Fairfield County, CT
(Zone 6b)

February 11, 2013
7:04 AM

Post #9415180

But Victor - you didn't take into account the future value of a series of payments! Say that working period is 35 years and a person gets paid twice a month (840 payments into medicare) and their medicare tax is $50 a pay period and the interest rate on their payments is 2 percent - that comes out to a whole lot more than you would think! Enough to cover the actual costs, in fact. Actually to come up with 88,000 paid in, the amount paid each paycheck would be more like $ 105.

Aren't you sorry I am snowed in?

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 11, 2013
7:15 AM

Post #9415197

Interest payments?!! HAHAHAHA!!! It is NOT kept anywhere. It pays for the people on Medicare at that point. Same as SS. That is the number one misconception out there.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 11, 2013
7:19 AM

Post #9415205

The other main problem is that there is no responsibility/accountability/penalty for people who choose to do unhealthy things like smoking and being overweight. That ads SO much to the cost of healthcare in the Medicare years. It's just not fair. And medical advances make it worse. I'll just take a pill. I'll just get a gastric bypass, etc. People in those groups need to pay way more than people who do the right thing.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 11, 2013
7:22 AM

Post #9415212

Should have added in the previous post that any excess after payments to current Medicare needs was/is spent somewhere else. There was never a 'lockbox' or dedicated account to hold reserves. That is why the pyramid scheme analogy is not so crazy. New people in the system pay for the older ones.
AYankeeCat
Fairfield County, CT
(Zone 6b)

February 11, 2013
8:06 AM

Post #9415296

Well - in their defense - those youngsters wouldn't be here without the elders!

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 11, 2013
8:09 AM

Post #9415306

No argument there! They just should have planned these things much better and paid more into them.
coleup
annapolis, MD
(Zone 7b)

February 11, 2013
10:01 AM

Post #9415435

YankeeCat, I read this article yesterday even though I,m not snowed in, because Victor gave no source for his simple math quote.
http://www.politifact.com/truth-o-meter/article/2013/feb/01/medicare-and-social-security-what-you-paid-what-yo/

It used to be that 16 workers put in to support the outgo to each retiree. Now it is down to two or three. Base of pyramid getting wobbly. Sure hope those three paying for me stay healthy and keep their jobs!

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 11, 2013
10:36 AM

Post #9415472

Yes, should have said I was quoting a tweet. But same net result. Coincidentally, I started working in '87, the first year of the higher SS taxes so until I stopped working, I, like everyone after me, paid the most. Unfortunately, the ones who paid in the most will likely collect the least.

This is why I take issue with the whole 'greatest generation' crap. Yes, they won the war and established the US as an economic power, but they left their kids and grand kids this bloody mess. Completely irresponsible.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 11, 2013
10:41 AM

Post #9415483

And yet, a top congressional leader can, without blinking an eye, proclaim that there is no spending problem. It's criminal.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 11, 2013
10:54 AM

Post #9415503

greatest generation prospered in a period when US had started reaping the benefits of huge investments in highway infrastructure and cheap gas and oil. But they did have to endure growing up in the shadow of WWI, Great Depression, WWII...all good training for working hard and not taking things for granted, including life.

Does not COngress enjoy excellent health benefits?

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 11, 2013
10:56 AM

Post #9415506

Yes, lessons they apparently did NOT learn. From a presumably fiscally prudent depression era generation came all these unpaid-for, feel-good social programs.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 11, 2013
10:58 AM

Post #9415507

Not to mention the other ticking time bomb - the unfunded public sector pensions. Wait until that joins the other ones.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 11, 2013
2:32 PM

Post #9415795

Used Groupon for the first time. They had a 50% deal at one of our fave local Italian restaurants.
AYankeeCat
Fairfield County, CT
(Zone 6b)

February 11, 2013
3:01 PM

Post #9415826

I've used them a couple of times. Just hate getting all the emails.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 11, 2013
3:41 PM

Post #9415861

Yes, that is a bit annoying.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 11, 2013
3:50 PM

Post #9415871

I use my gmail for those 'store' emails- and it is a chore trying to keep it cleaned out.
GardenSox
Sacramento, CA
(Zone 9a)

February 11, 2013
4:06 PM

Post #9415887

With Groupon I had to go in and adjust my e-mail settings. You used to be able to tell them how often you want to be e-mailed and restrict the types of deals you want to receive . . . I'm not sure if you can still do that though.
AYankeeCat
Fairfield County, CT
(Zone 6b)

February 12, 2013
5:05 AM

Post #9416354

I will give that a try. I like the restaurant offers but not the merchandise offers.

flowAjen

flowAjen
central, NJ
(Zone 6b)

February 12, 2013
6:50 AM

Post #9416465

oh yeah, just adjust your preferences

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 12, 2013
12:30 PM

Post #9416778

Shock!

http://www.marketwatch.com/story/losses-mounting-in-bank-bailouts-2013-02-12

flowAjen

flowAjen
central, NJ
(Zone 6b)

February 12, 2013
1:13 PM

Post #9416829

This sums up the whole mess...
" which is to say, that money is gone and is never coming back"
schickenlady
Sherrie In, NH
(Zone 5a)

February 12, 2013
5:00 PM

Post #9417052

Go to the movies, Nothing on the Major News stations tonight. Or go to bed

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 13, 2013
12:10 PM

Post #9417881

E Filed taxes on 2-10, State return is in the bank today.

Unfortunately, a delay on Federal due to education deductions.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 13, 2013
1:33 PM

Post #9417943

Wow, still waiting for statement from TD Ameritrade. Always last.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 13, 2013
1:43 PM

Post #9417954

The stupidity of the healthcare law, from The American Interest:


"It might seem odd that the law’s supporters should need to convince Americans to purchase a plan, given that those who don’t will be taxed. But the tax will be less expensive than the cost of coverage. The minimum tax per person will be $695 per year. Higher earning individuals will have to pay more: a couple who makes $100,000 per year, for example, will be taxed around $2,025. That may sound like a lot, but the CBO estimates that the annual premiums for the least-expensive plan offered under the new law would reach about $12,000 for a family and about $5,000 for an individual (all figures can be found here).
This means that for a lot of people paying the tax will be cheaper than buying insurance. And since the new law prevents insurance companies from denying you coverage or charging you more if you have a pre-existing condition, you can always buy a plan later if you develop an expensive medical condition.
Over time, more and more people are going to figure this out. Many healthy people (especially the young and the single) will just pay the tax, knowing they can get it later if they need to. In the meantime, everybody with expensive health care problems will flood into the system, driving up costs and premiums. Then even more healthy people will choose the tax over the increasingly expensive insurance premiums, in turn forcing premiums up even higher.
Keeping this dynamic from undermining the new health care system is going to be one of the biggest tests Obamacare will face. There may be ways around it. As of 2010 Massachusetts’s similar plan has successfully raised its insurance rate from about 90 percent up to 98.1 percent. But it will be a serious challenge. This glitzy “buy insurance now” marketing campaign is a sign that the government recognizes this vulnerability and fears it."
AYankeeCat
Fairfield County, CT
(Zone 6b)

February 13, 2013
3:39 PM

Post #9418125

But isn't $695 better than the $0 uninsured people are paying now? And are the expensive health care people in the system already - just not insured? Insurance payments keep going up no matter because health care insurance is a for profit business on top of the cost of health care.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 13, 2013
4:09 PM

Post #9418167

No, no and no. ;)

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 13, 2013
6:00 PM

Post #9418281

So the ability to make a profit is the primary driver of increase cost??? Wow. Check your long distance phone bill lately? Cost of your computer? Of almost any electronic device? Where thee is true open market and competition, prices almost always decrease over time.

One major misconception about healthcare and insurance companies is that there is competition. Every state makes their own rules. You CANNOT cross state lines to look for a better/cheaper alternative.

Do you think paying the legions of gov beaurocrats involved in healthcare decreases cost?! How about all the unnecessary tests docs have to order to cover their butts in case they are sued?

There are many reasons for skyrocketing costs, but the mere presence of a profit motive is not one of them. 20, 30, 40 years ago we had insurance companies involved. I would love to go back to those premiums!

There is not one area that gov has gotten involved in that has not seen dramatic increases in cost. Home loans, student loans, healthcare, transportation, insurance... The list goes on and on.
GardenSox
Sacramento, CA
(Zone 9a)

February 14, 2013
9:17 AM

Post #9418909

One thing healthy uninsured people should worry about, however, is the sudden and catastrophic medical problems that might occur before they choose to apply for health insurance. As far as I know, there's no mandate that insurance companies provide retroactive coverage to new members. So if someone is just waiting to be diagnosed with cancer or diabetes before they decide it becomes worth it to obtain health care coverage they could be in big financial trouble if they have a heart attack first and need triple bypass surgery followed by a stay in ICU.

Of course, ERs are required to treat anyone that comes in even if they don't have insurance so ultimately the people choosing not to buy coverage are just passing on the costs to those that do.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 14, 2013
10:14 AM

Post #9418958

Not so with the new law. They have to take anyone with any condition. That is why, coupled with the tax being much lower than premiums, the incentive is to stay uninsured until you need it.
GardenSox
Sacramento, CA
(Zone 9a)

February 14, 2013
4:02 PM

Post #9419230

Yes, it's true that they have to take someone with a pre-existing condition but there's absolutely no requirement that a health plan has to pay for services provided to enrollees prior to them enrolling in a health plan.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 14, 2013
6:49 PM

Post #9419361

my question is- sure they have to take me and my glaucoma for example..then they can raise my rate because of it right? So . I'll pay any way.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 15, 2013
5:22 AM

Post #9419626

Another case in point.

http://washingtonexaminer.com/article/2521626#.UR4q5vtz0PY.twitter

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 15, 2013
5:50 AM

Post #9419666

Out of touch???

http://thehill.com/homenews/house/283341-pelosi-congressional-pay-cut-undermines-dignity-of-the-job-

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 15, 2013
8:54 AM

Post #9419858

ugnthueeoerifhfjhisduhfur

(invented a new groan for this occasion)

Our county executive has refused his last mandated raises because he was not able to give any other county employes a raise either.
GardenSox
Sacramento, CA
(Zone 9a)

February 15, 2013
10:40 AM

Post #9419932

Sally - no, health plans will be prohibited from charging you more based on a pre-existing condition. They will only be able to establish rates based on age, geographic region, and family size for individual health benefit plans.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 15, 2013
11:20 AM

Post #9419962

Oh good. Thanks for that info, GardenSox.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 15, 2013
11:54 AM

Post #9419994

Not surprised. Something to keep an eye on.

http://www.bloomberg.com/news/2013-02-15/wal-mart-executives-sweat-slow-february-start-in-e-mails.html

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 15, 2013
1:12 PM

Post #9420073

Over 440,000 Federal employees make over $100,000 per year. Not sure if that includes benefits or not, In either case, it's just nuts.
wha
Pepperell, MA
(Zone 6a)

February 15, 2013
2:20 PM

Post #9420154

i am sure it does not include benefits - with the size of goverment today - i think over 40% of all workers ,440K is low

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 15, 2013
2:23 PM

Post #9420157

It's 21% of workforce. High to me.
wha
Pepperell, MA
(Zone 6a)

February 15, 2013
3:49 PM

Post #9420223

will have to look into this - i thought i saw something that said we had almost the same as greece

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 16, 2013
11:43 AM

Post #9421000

Gee, wonder why this gets no attention...

http://www.businessweek.com/articles/2013-02-15/facebook-gets-a-multi-billion-dollar-tax-break
schickenlady
Sherrie In, NH
(Zone 5a)

February 17, 2013
10:03 AM

Post #9421941

49.50 hours this week. No wonder why I am 1/2 dead.

flowAjen

flowAjen
central, NJ
(Zone 6b)

February 17, 2013
9:24 PM

Post #9422555

are they at least paying you ot?
schickenlady
Sherrie In, NH
(Zone 5a)

February 18, 2013
1:12 AM

Post #9422605

1st time I went ot. Isnt it a federal law unless your on salary or a contractor?
AYankeeCat
Fairfield County, CT
(Zone 6b)

February 18, 2013
7:46 AM

Post #9422953

It varies by state - what qualifies as OT.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 18, 2013
11:09 AM

Post #9423192

In addition to that Walmart internal email, another worrisome sign was in Nikon's earnings last week. Huge dropoff in sales. IN fact, they immediately discounted lots of their stuff - something they rarely do. Some of their top lenses are now hundreds lower until March 2.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 18, 2013
12:40 PM

Post #9423292

Bad signs on their own, combined are especially worrying since they represent opposite ends of the economy. Walmart - the discount stuff for the lower end of the income spectrum and Nikon for the higher, discretionary end. Could be isolated pockets. Maybe something more.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 18, 2013
12:55 PM

Post #9423312

More problems with healthcare law.

http://blogs.the-american-interest.com/wrm/2013/02/18/another-day-another-crack-in-obamacare/
Jan23
Salem Cnty, NJ
(Zone 7b)

February 18, 2013
2:06 PM

Post #9423397

The last sentence of that made me crack-up, but not in a good way. It said the lawmakers probably didn't read the proposals... I am sure many of them did NOT read it. After all, how many pages long was it?

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 18, 2013
2:13 PM

Post #9423415

Well over a 1000.

darius

darius
So.App.Mtns.
United States
(Zone 5b)

February 18, 2013
3:22 PM

Post #9423482

Well, nothing new. They didn't read the Patriot Act before they passed it, either. It wasn't printed and in their hands yet.
coleup
annapolis, MD
(Zone 7b)

February 18, 2013
3:30 PM

Post #9423491

schickenlady wrote:1st time I went ot. Isnt it a federal law unless your on salary or a contractor?


I have worked for three different plant merchandising companies. Only one allowed 'overtime' with prior approval. We were always getting reminders to not go over hours. The stores I worked in did 3-4 times the volume of sales as other stores and yet each store got the same # of merchandising hours. I would have made much more 'on commission' or a % of sales! Any way, suffice it to say that I was a lean mean merchandising machine at the end of each season!

When I owned a house cleaning company with employees paid on an hourly basis, I changed from hourly pay to pay per house cleaned well with no customer complaints. This allowed each cleaning team to finish their houses more quickly and thus do more houses and make more money than when they were paid by the hour. We all seemed to like it but I hated being "an employer"

coleup
annapolis, MD
(Zone 7b)

February 18, 2013
3:37 PM

Post #9423502

Are we headed for peak fertilizer? A look at P and K of the NPK.

http://www.motherjones.com/tom-philpott/2012/11/are-we-heading-toward-peak-fertilizer

Hey Darius how are you?

Thumbnail by coleup
Click the image for an enlarged view.

schickenlady
Sherrie In, NH
(Zone 5a)

February 18, 2013
4:24 PM

Post #9423548

arghh - my 1 store turned into 2 stores & this morning it turned into 3 stores. If it wasnt physical labor at 54 years old I would be fine. I am LOOKING for a different job. Freak Me!

flowAjen

flowAjen
central, NJ
(Zone 6b)

February 20, 2013
9:19 AM

Post #9425497

Ugh gas almost at $4!

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 20, 2013
12:19 PM

Post #9425645

Yep, been going up every week.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 21, 2013
1:17 PM

Post #9426912

Just read that gas is up 35 days in a row! Funny how there is just crickets from media.
coleup
annapolis, MD
(Zone 7b)

February 21, 2013
4:00 PM

Post #9427093

Some of you perhaps can remember those old wringer washers? And how flat clothes came out. Feeling like that last drop wrung out. Or like that Kingston Trio song about Charlie who couldn't get off the Boston MTA because when he got on the fare was one price but before he could get off it went up.

All the same usual explanations as to why...here's a new one

Maybe some global investor group wants to make a killing by replacing all of the pumps in all of the gas stations with ones that can calculate the price per gallon on a second by second basis with direct debit from bank account to boot, so we can all 'play the market' at the pump in real time! Day traders or day pumpers. And no 'hoarding gas as it spoils in under 30 days and can wreck new engines.

I swear that one pump I fill up at sees me get 28MPG but if I use the other three I get about 10 MPG less.
schickenlady
Sherrie In, NH
(Zone 5a)

February 21, 2013
4:29 PM

Post #9427140

Alway look to see if the pump has been inspected by the state and is not Expired. it has to be inspected to make sure the gallons are not over or under.

Also I know this is going to sound weird. If a tanker just comes in and dumps its load, Bubbles/Air will fill that underground holding tank. You put gas in your vehicle & the air dicipates and you have less gas. Also in the same time when they dump they are stirring up any water that has gathered over time. Not good it usually takes a good 12 hours to vent & realease.

Trust me = I know

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 21, 2013
6:39 PM

Post #9427268

Hearing tax refunds slow. Anyone get theirs yet?

This message was edited Feb 21, 2013 9:39 PM
coleup
annapolis, MD
(Zone 7b)

February 21, 2013
7:07 PM

Post #9427339

Kids in VT have theirs 3 weeks now. Still waiting on State. Me, I don't get one. boo hoo no government savings plan for me.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 22, 2013
5:15 AM

Post #9427578

Our State came immediately, our Fed gave a 'got yr return' message about 2 weeks ago. We had heard those with education deductions ( us) would be delayed.
wha
Pepperell, MA
(Zone 6a)

February 22, 2013
5:52 AM

Post #9427605

have not even filed yet

flowAjen

flowAjen
central, NJ
(Zone 6b)

February 22, 2013
7:49 AM

Post #9427747

haven't filed yet either
Jan23
Salem Cnty, NJ
(Zone 7b)

February 22, 2013
8:11 AM

Post #9427776

Not yet here, either

flowAjen

flowAjen
central, NJ
(Zone 6b)

February 22, 2013
8:17 AM

Post #9427780

If the country is trillions of $s in debt where does the $ come from for refunds?
coleup
annapolis, MD
(Zone 7b)

February 22, 2013
9:29 AM

Post #9427830

lol it is being printed as minting is too slow and costs more in raw materials or it is electronically recorded in the virtual treasury.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 22, 2013
9:43 AM

Post #9427848

I haven't filed yet either.
AYankeeCat
Fairfield County, CT
(Zone 6b)

February 22, 2013
11:55 AM

Post #9427981

I have filed.

darius

darius
So.App.Mtns.
United States
(Zone 5b)

February 22, 2013
12:00 PM

Post #9427994

Thankfully (but only in a few ways) I don't have to file.
AYankeeCat
Fairfield County, CT
(Zone 6b)

February 22, 2013
12:03 PM

Post #9428001

Just checked and both of my refunds are in my bank.
schickenlady
Sherrie In, NH
(Zone 5a)

February 22, 2013
12:04 PM

Post #9428003

schickenlady wrote:arghh - my 1 store turned into 2 stores & this morning it turned into 3 stores. If it wasnt physical labor at 54 years old I would be fine. I am LOOKING for a different job. Freak Me!


I have 3 stores again tomorrow & Monday. Ughh. One person is not made for doing 3 Stores as 2 stores is pushing it. I worked 49.5 hours last week with 2.

I am going to croak.

wha
Pepperell, MA
(Zone 6a)

February 22, 2013
1:50 PM

Post #9428098

be thankful you have a job.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

February 22, 2013
2:56 PM

Post #9428162

So many jobs are 'feast or famine' these days!

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 22, 2013
3:56 PM

Post #9428245

Abercrombie to close 50 stores.

flowAjen

flowAjen
central, NJ
(Zone 6b)

February 24, 2013
10:42 AM

Post #9429872

Glad A&F is closing stores, their visuals were as close to porn as you can get, totally not necessary to sell clothes and obviously not working for them

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 24, 2013
12:00 PM

Post #9429975

Yes, I agree.

Gas is ridiculous again.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 25, 2013
11:17 AM

Post #9431174

Just amazing.

http://p.washingtontimes.com/blog/inside-politics/2013/feb/25/furloughs-are-looming-feds-are-still-hiring/

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 25, 2013
1:16 PM

Post #9431329

The VP said today that Americans are no longer worried about the economy.

flowAjen

flowAjen
central, NJ
(Zone 6b)

February 25, 2013
2:55 PM

Post #9431453

They are so out of touch with real people
Jan23
Salem Cnty, NJ
(Zone 7b)

February 25, 2013
3:39 PM

Post #9431504

What is he smokin?

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 25, 2013
3:47 PM

Post #9431510

Mind-boggling. And they also deny we have a spending problem. You would think the apocalypse was coming with the sequester 'cuts'. What a joke. Then CBO says the actual cuts for '13 are 41 billion. This is in a budget of 3600 billion! They just spent over 70 billion of new, borrowed Chinese money on Sandy. It's just so out of control.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 25, 2013
4:42 PM

Post #9431579

More lunacy. So glad we had financial reform.

http://www.bloomberg.com/news/2013-02-20/why-should-taxpayers-give-big-banks-83-billion-a-year-.html

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 26, 2013
4:45 PM

Post #9432900

GAO audit says the healthcare law will add 6.2 trillion to the debt over 10 years.
schickenlady
Sherrie In, NH
(Zone 5a)

February 27, 2013
3:40 PM

Post #9433981

I guess I am going to be Edward Sissor Hands sister. Put an app in today for a Dental Assistant Job. In 1 hour I had a phone call & interview set up for Friday at 10 am. Now I get a phone call to do more with 3 stores as a Flower Fluffer and they want me to work tomorrow, Friday & Saturday. The guy from the 3rd store totally quit.

I am going to freak out and cut the flower bouquet's to look like a Black Rhinoceros and go to the Interview with the Dentist. Talk about freaking out.
AYankeeCat
Fairfield County, CT
(Zone 6b)

February 27, 2013
5:23 PM

Post #9434061

Just say you have a dentist appointment and need the time off - it isn't even a lie! Good luck on the interview.
Jan23
Salem Cnty, NJ
(Zone 7b)

February 27, 2013
5:26 PM

Post #9434066

Best wishes, Sherrie!!
schickenlady
Sherrie In, NH
(Zone 5a)

February 28, 2013
1:14 AM

Post #9434240

3rd store I was helping & filling in. Now the guy just quit. To do sales & inventory, 3 stores, 2 of them 30 miles apart is impossible. To get the product out & everthing done in 1 day I would have to work 16 hours.

Its just "untimely" and puts unwanted pressure on my pee brain. Dental Assistant is not a LABOR job & I went to school for it. Lets hold on & see. Friday 10 am... Unless I go Postal.
AYankeeCat
Fairfield County, CT
(Zone 6b)

February 28, 2013
6:44 AM

Post #9434377

Sherrie - you can't afford the stamps (to go postal - ummm - I hope that was funny...)

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 28, 2013
10:11 AM

Post #9434594

Ugh.

http://www.zerohedge.com/news/2013-02-28/delinquencies-student-loans-surpass-those-credit-card-debt
schickenlady
Sherrie In, NH
(Zone 5a)

February 28, 2013
4:19 PM

Post #9434876

Everyone wish me luck. I am going to the Interview to become a Dental Assistant tomorrow at 10:00 am. It will be a big decision. Flower Fluffer or Dental Assistant?
Jan23
Salem Cnty, NJ
(Zone 7b)

February 28, 2013
4:24 PM

Post #9434879

Praying for a great interview tomorrow, dear.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

February 28, 2013
4:26 PM

Post #9434883

Good luck! You will know which is better for you.

jumper2

jumper2
Huron, OH
(Zone 5b)

February 28, 2013
4:45 PM

Post #9434896

good luck!

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

March 1, 2013
7:16 AM

Post #9435336

good luck!!!!!!!!


Federal return is approved, deposit on march 4...
schickenlady
Sherrie In, NH
(Zone 5a)

March 1, 2013
8:10 AM

Post #9435390

Very interested in my work history. "IF" I get the job I will have to go to Tufts University to get Certified for X-rays and Cone-Beam Computed Tomography. Not hard, 2 day course & 225 bucks. Been there done it so Easy.

flowAjen

flowAjen
central, NJ
(Zone 6b)

March 1, 2013
8:22 AM

Post #9435399

good luck Sherrie!

Have to wait to finish our business taxes first then can do personal
AYankeeCat
Fairfield County, CT
(Zone 6b)

March 1, 2013
8:34 AM

Post #9435412

Wondering how Sherrie is doing on the interview.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 1, 2013
9:52 AM

Post #9435493

Happy thought of the day!

http://www.bloomberg.com/news/2013-03-01/druckenmiller-sees-storm-worse-than-08-as-seniors-bankrupt-kids.html
schickenlady
Sherrie In, NH
(Zone 5a)

March 1, 2013
11:11 AM

Post #9435561

Look above Yankee

Thumbnail by schickenlady
Click the image for an enlarged view.

AYankeeCat
Fairfield County, CT
(Zone 6b)

March 1, 2013
12:44 PM

Post #9435611

OK.
wha
Pepperell, MA
(Zone 6a)

March 3, 2013
11:18 AM

Post #9437521

every year at this time the state publishes a list of unclaimed cash in the paper - today my name was listed!

on further inspection there are quite a few people with my name and a bunch of them have unclaimed cash - not me though :)

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

March 3, 2013
11:40 AM

Post #9437537

I usually scan those lists but never get "lucky". I picture you looking at the paper and saying "wha..." LOL!

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 3, 2013
11:49 AM

Post #9437543

Maybe an unclaimed JM, Bill??
Jan23
Salem Cnty, NJ
(Zone 7b)

March 4, 2013
9:35 AM

Post #9438396

Hahaha, that was a good one, Sallyg!!

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 4, 2013
12:03 PM

Post #9438551

Another bad omen. Reportedly, the billionaires have been dumping stocks.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

March 4, 2013
1:33 PM

Post #9438664

uuuuugggggnnnngggghhh
What are they buying??? Empty mattresses?
Mark was reading me something about the number of US citizens who have given up their citizenship, higher recently (last few years VS before). In the hundreds, or thousand ish, not like millions but still..., the tax code did it.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 4, 2013
1:36 PM

Post #9438668

Yes, I read that. Still not that many. You see it better in high tax states. People leave in droves. CA, IL, NY...

flowAjen

flowAjen
central, NJ
(Zone 6b)

March 4, 2013
1:54 PM

Post #9438692

Seriously considering buying my own island!

When Warren Buffet is selling off USA stocks you better follow suit

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 4, 2013
1:59 PM

Post #9438701

He is.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 6, 2013
5:17 AM

Post #9440419

WH employs three full-time calligraphers, with their salaries alone totaling $277K. Incredible.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

March 6, 2013
5:38 AM

Post #9440442

Crap like that...Where is the leadership, when Congress gets a raise in the midst of all this? It's peanuts, but would mean something if the peanuts were at least thrown to the crowd instead of being eaten in the middle of the arena. And like the calligraphers, there are really a lot of peanuts, if thy would look for them.
I think we all know who in this feels they are "entitled" to government largesse...
wha
Pepperell, MA
(Zone 6a)

March 6, 2013
5:43 AM

Post #9440447

No day is complete without a lesson from our fabulous government full of really smart people.
I'M BITING THE BULLET TOO!!!
The President has been tasked with ordering government departments to cut roughly $100,000,000 ($100 million) from the $3,500,000,000,000 ($3.5 trillion) federal budget. This is the result of what you're hearing about: the sequester.
I'm so impressed by this sacrifice that I have decided to do the same thing with my personal budget. I spend about $2,000 a month on groceries, household expenses, medicine, and utilities, but it's time to get out the old budget cutting axe, go through my expenses with a fine tooth comb, and slash like our government.
I'm going to cut my spending by exactly the same ratio, 1/35,000 of my total budget. After doing the math, it looks like instead of spending $2,000 a month I'm going to have to slash that number by six cents.
Yes sir, from now on I'm going to have to get by on only $1999.94, but that's what sacrifice is all about! I'll just have to do without some things that are crucial -- all six cents worth. Thank heaven I can phase in this huge cut between now and 2014!
Question: Did Chicken Little actually think people wouldn't do the math?
That's the bet.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

March 6, 2013
7:16 AM

Post #9440552

wha, you're fantastic!!! Great post. I will join you. I just had one less raisin in my oatmeal. (stomach grumbling...mild sweat breaking out...errggh)

flowAjen

flowAjen
central, NJ
(Zone 6b)

March 6, 2013
8:27 AM

Post #9440640

That is great, Bill...love to see the #'s in real life comparison

did you hear the latest? to cut some $ they are cancelling WH tours, whoa boy, that will take a big chunk out of the spending, NOT!
wha
Pepperell, MA
(Zone 6a)

March 6, 2013
9:05 AM

Post #9440686

WH is supposed to be our house, tours should continue

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 6, 2013
12:32 PM

Post #9440917

I have seen that in emails about the analogy. It's old, though. Current sequester amount is 41 billion for this year out of 3.6 trillion.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

March 6, 2013
12:51 PM

Post #9440939

Top of my head
41 bil over 3.6 trill = 41/3600.
or $20.5 / $1800

Is the scale right?

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 6, 2013
1:12 PM

Post #9440967

Yes. A little over 1%. An absolute joke. Again, they 'created' (because they did not offset it) over 70 billion just weeks ago for Sandy aid. So it's really not even a cut at all.

flowAjen

flowAjen
central, NJ
(Zone 6b)

March 6, 2013
1:23 PM

Post #9440981

and I heard that the $ that we received for Sandy relief was borrowed from China

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 6, 2013
1:28 PM

Post #9440983

A good % of any borrowed money is.

Here is a dose of reality:

"Fitch Ratings says even after the sequester, America still needs another $1.6 trillion in deficit reduction to be on a sustainable path and another $3 trillion to put the nation’s debt-to-GDP ratio on a downward trajectory."

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 7, 2013
5:40 AM

Post #9441630

WH tour director salary went from 70K to 100K in the past four years, yet they shut down the tours in a tantrum.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 7, 2013
5:47 AM

Post #9441638

Terrible sign.

http://philadelphia.cbslocal.com/2013/03/06/study-shows-more-americans-are-raiding-401k-accounts-to-pay-bills/

flowAjen

flowAjen
central, NJ
(Zone 6b)

March 13, 2013
9:22 AM

Post #9448003

Business taxes done

So not only were we paying 10% more in payroll taxes last year than the previous year, we didn't have a good year because of the lousy summer , I owed $ to the state and this year we have to prepay a tax...what the heck!!!!

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 13, 2013
1:57 PM

Post #9448217

Really? Payroll tax reduction was still in effect last year. This year it's back to normal.

flowAjen

flowAjen
central, NJ
(Zone 6b)

March 13, 2013
8:48 PM

Post #9448594

That's the state of NJ for ya
schickenlady
Sherrie In, NH
(Zone 5a)

March 14, 2013
4:43 PM

Post #9449550

Private mony is going into the WH for an Agenda

flowAjen

flowAjen
central, NJ
(Zone 6b)

March 15, 2013
8:55 AM

Post #9450256

it's funny, but then again not too funny
[HYPERLINK@www.facebook.com]

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

March 15, 2013
12:02 PM

Post #9450429

Great video- sort of..! Better if it had been all fiction

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 17, 2013
10:25 AM

Post #9452359

Watch for Europe to rear its ugly head again.

This message was edited Mar 17, 2013 12:25 PM

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 20, 2013
11:38 AM

Post #9455951

Wow - WSJ reports 57% of Americans have less than $25K in savings/investments not incl their house! They will be working until they die.
wha
Pepperell, MA
(Zone 6a)

March 20, 2013
11:38 AM

Post #9455952

i find that hard to believe

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 20, 2013
11:39 AM

Post #9455956

It's shocking.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

March 20, 2013
11:50 AM

Post #9455969

Also, an alarming number of people have been raiding their 401(k) to pay bills. Awful.
wha
Pepperell, MA
(Zone 6a)

March 20, 2013
11:59 AM

Post #9455978

you mentioned that earlier - it is not anyone i know, i wonder what they consider an alarming number.

darius

darius
So.App.Mtns.
United States
(Zone 5b)

March 20, 2013
12:27 PM

Post #9456005

I don't find that shocking at all... remember, I live in the Poor South.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

April 6, 2013
9:17 AM

Post #9473634

Congress taking action on jobs reports
[HYPERLINK@www.facebook.com]

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

April 6, 2013
12:58 PM

Post #9473813

Cute! Wish I had snapshots for all my triplets' antics. I was too busy chasing them.
Jan23
Salem Cnty, NJ
(Zone 7b)

April 6, 2013
4:36 PM

Post #9474013

Lol, I am sure you were. It was hard enough with twins.

flowAjen

flowAjen
central, NJ
(Zone 6b)

April 8, 2013
8:15 AM

Post #9475900

1 of our earliest customers had gone out of business, finally got a check today from the bankruptcy court for our claim after 3 years... a whole whopping $70!!!! Woo hee!!!!
Jan23
Salem Cnty, NJ
(Zone 7b)

April 8, 2013
11:53 AM

Post #9476150

Is that a normal time period for such matters? I'm assuming that is only a percentage of your claim.

flowAjen

flowAjen
central, NJ
(Zone 6b)

April 8, 2013
1:07 PM

Post #9476256

Ya only 3.43% of the claim...court system is very sssssslllllllllooooooowwwwwww

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

April 8, 2013
4:18 PM

Post #9476537

How nice Jen (not). Rest assured the legal system made THEIR money off it! Maybe one of the lawyers can now hire you guys for a heat pump!

flowAjen

flowAjen
central, NJ
(Zone 6b)

April 15, 2013
8:44 AM

Post #9484772

Received a notice today from IRS dated 4/22...hmmmmmm, isn't it only the 15th?

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

April 15, 2013
11:43 AM

Post #9485038

wha???
See if its from last year, --, another nearly confounding possibility.
Jan23
Salem Cnty, NJ
(Zone 7b)

April 15, 2013
12:39 PM

Post #9485101

YIKES, hope it wasn't last year!
coleup
annapolis, MD
(Zone 7b)

April 15, 2013
2:30 PM

Post #9485221

Jen, I received one of those, too, but since a response from me is due by "30 days from the date of this notice" I figure it's all good and gives me more time!
Jan23
Salem Cnty, NJ
(Zone 7b)

April 16, 2013
5:38 AM

Post #9485753

Heehee, coleup.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

May 2, 2013
1:19 PM

Post #9505631

NPR had the author of Overdressed on Fresh Air today
http://www.amazon.com/Overdressed-Shockingly-High-Cheap-Fashion/dp/1591844614

Really interesting/---- subtitle The shockingly high cost of cheap clothing.

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

May 3, 2013
5:01 AM

Post #9506315

I want to read her book.

flowAjen

flowAjen
central, NJ
(Zone 6b)

May 3, 2013
6:19 AM

Post #9506431

Would love to read it, since I was in that industry

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

May 3, 2013
11:16 AM

Post #9506807

You can get the streaming audio of interview-- it was very interesting. "Fast fashion" analogous to fast food.
Bangladesh clothing workers paid $38 a month, CHina $200 ( source of data I don't know) A MONTH.
Americans buy approx 68 pieces of clothing a year. (not me!)

Jen- why is that commercial on that says "You all know JCPenney changed recently...We listened to you and are changing (back?)" Huh? meaning a year or two ago when they cleared out and became more clean looking, simple pricing? Any insight on the JCP situation which seems to have passed under my radar...?
Jan23
Salem Cnty, NJ
(Zone 7b)

May 3, 2013
1:29 PM

Post #9506972

68 pieces of clothes. Hence the need for room-size closets. Not me either. Even when I get things for the grandies I don't reach that. I get the grandies things at a resale event sponsored by the school where I used to teach.

The JCP stuff is news to me, also.

flowAjen

flowAjen
central, NJ
(Zone 6b)

May 3, 2013
8:13 PM

Post #9507353

The CEO that just got canned went in and changed the way their pricing worked, making changes without really having an idea what people want.

People want what is called "perceived value"
something can be $100 but if it's on sale from $120 they think they are getting a bargain even though the same exact item is in another store at $75 but since it never goes on sale they won't buy it cause they don't think they are getting a deal

I actually had that happen to me... we had toddler dress up sets $16.99 special value they never went on sale, had it on hold for a lady while she went into the mall to see if she found something "better" well she bought the SAME thing( I mean it was IDENTICAL) at Lord and Taylor for $39.99 but since she got it on sale, it was originally $50 she thought was getting a bargain...I was confused...ummmm"but you paid $40 for something you could have gotten for $17", I said to her, her reply "but I got it on sale!!!"

So anyway the last CEO went in and lowered the prices and wasn't running any true sales, so no one thought they were getting a deal.

BUT the problem the JCP started years ago when they started hiring people from outside the company that really had no clue how the company worked...AND there was a big boycott by Million Moms over some advertising...yes boycotts do work even though some companies don't want to admit it

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

May 3, 2013
10:47 PM

Post #9507438

THanks!
I have noticed things are 'on sale' at JCP now where last year ? they had tried that 'plain price' idea.
Now if only 'people' could be more intelligent.

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

May 4, 2013
4:28 AM

Post #9507543

Course the prices at A&F were already seriously overpriced from the beginning. It's the teenage clothing market that seems especially problematic. These have to be throw away styles and kids don't have lots of money to spend.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

May 7, 2013
7:13 AM

Post #9511650

the debate about Boston victim donation money is utterly macabre.

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

May 8, 2013
5:06 AM

Post #9512959

I'm glad I'm only reading the headlines, then. The attorney is handling it pro bono. He also distributed funds from 911. It is a totally thankless job for him.

It is nearly impossible to go to a store without having the option to add a donation. And the fund it growing. And the benefit events are continuing. Seems there ought to be enough money to go around.

flowAjen

flowAjen
central, NJ
(Zone 6b)

May 24, 2013
11:07 AM

Post #9532564

"Gov. Chris Christie declared the season open by cutting a 5.5-mile long ribbon"
wonder how much a 5 1/2 mile long ribbon cost? was it donated? or did the relief funds pay for it? really was THAT necessary?


received a Company store catalog, their beach towels are $32...Really? does anyone buy them?

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

May 24, 2013
11:24 AM

Post #9532583

I'd never buy a 32 dollar towel. THen again, they have to start there so they can go on sale, right?.
Treated ourselves to some fast fashion today. Liz Claiborne print Tshirt, Penney's, on sale, 10.49. Capris, Eddie Bauer, clearance, 10. Knit shirt, henly, ribbed, Eddie B, 4.99 clearance. Nike beefed up flip flops to replace the ones puppy gnawed on but still using, 20$. (Dog is now turning six years old this summer. I think I got my money's worth out o those) Passed by metric tons of fashion 'candy'= tissue thin thsirts and tanks in every color and print imaginable, everybody selling cardigans ( cause you freeze in the thin shirts)

flowAjen

flowAjen
central, NJ
(Zone 6b)

May 24, 2013
11:28 AM

Post #9532588

Yeah what is with the tissue shirts?

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

May 24, 2013
11:43 AM

Post #9532607

I do NOT like them. But I'm guessing the concept is XXX ++ number of individual items to sell per given ton freight from CHina.

flowAjen

flowAjen
central, NJ
(Zone 6b)

May 24, 2013
12:43 PM

Post #9532644

yep you're probably right

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

May 25, 2013
7:59 AM

Post #9533395

Since we're talking about sales, the Premium Outlets in MA, probably everywhere, have a Memorial Day sale. You get discounts for AAA membership, plus the coupons, plus the advertized half off discount prices= good savings. I was near one because my horrible work schedule meant I ended the day 70 miles from home. The fact the sales started Friday night was the silver lining, since noone was there on a rainy Friday night. I bought hefty cotton T's for the men here and for me at Eddie Bauer. Some discontinued colors were under four dollars with the sale. The handbag stores seemed especially inviting.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

May 25, 2013
3:37 PM

Post #9533809

We have an enclosed mall, built about thirty years ago, with four large department stores, theater, and all the small stores. Half the space is empty as we got a bigger better mall not too far away. This 'old' mall may close completely. Only thirty years old- huge space that will be empty, huge paved lots...so sad about the loss of open space and waste.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

June 24, 2013
7:12 PM

Post #9571969

Disturbing report today that 3/4 Americans are living paycheck to paycheck.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

June 24, 2013
7:24 PM

Post #9571983

or...government check to government check...

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

June 25, 2013
4:36 AM

Post #9572254

Some, but not all, of these folks are not living within their means.

We're getting an energy audit today. Signed up at the chamber of commerce street fair. They are free. The repairs and changes if we do do them won't be.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

June 25, 2013
4:42 AM

Post #9572260

Goodie- maybe you'll have hints for us.
That reminds me, we're currently enjoying our discount for a program in which the utility can cycle our AC compressor off in case of a power emergency.

flowAjen

flowAjen
central, NJ
(Zone 6b)

June 25, 2013
9:09 AM

Post #9572523

I would never allow them to control my a/c or heat...that's what programmable thermostats are for

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

June 25, 2013
12:38 PM

Post #9572830

Def agree about people not living within means. How many people 'struggling' have expensive cell phones, four or five TVs and the kids have $120 sneakers!

flowAjen

flowAjen
central, NJ
(Zone 6b)

June 25, 2013
1:42 PM

Post #9572929

Family I know declared bankruptcy but she bought both her kids kindles for their b-days

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

June 25, 2013
7:38 PM

Post #9573379

The peak rewards cycling program doesn't affect our thermostat at all, unless there is an emergency. Let's say four people on my block are signed up. They time our compressor cycles so that we as a whole only draw the amount for one at any time, no peak of all four at once. Last summer had plenty of heat and we never 'lost' our AC. Makes sense to me, money for nothing, and if there ever is a total emergency, we'll go to the basement.



flowAjen

flowAjen
central, NJ
(Zone 6b)

June 25, 2013
8:43 PM

Post #9573443

highly unlikely that people would be running same cycle, same amps at the same time, people have different efficiencies and different units, set at different temps
just another way they are trying to control our lives

jumper2

jumper2
Huron, OH
(Zone 5b)

June 26, 2013
7:40 AM

Post #9573813

made the last payment on my Tarus!!!! great feeling.

darius

darius
So.App.Mtns.
United States
(Zone 5b)

June 26, 2013
8:20 AM

Post #9573891

Good for you, Jumper!

My half-sister and I own this house (divided into sort of a duplex) outright, and neither of us have a vehicle payment. Great feelings all around, but even at that, our utilities and homeowner's insurance run over $6K a year. I hate to think what we'll do if one of us needs a new vehicle since we gave up credit (and credit cards) several years ago.

My truck is over 20 years old, and I think her Chevy is probably 8-9 years old. I put many, many more miles on my truck because all my medical appointments are out of state, and I shop at least once a month at grocery stores a hundred miles away for things I cannot get here ... whereas my sis stays in her 'cave' for the most part, and eats junk food.

With all the extra insulation I added to the attic 2 years ago, we seldom need to run the AC; being in the mountains helps. I still haven't solved why the elec. bill for winter heat is so high, probably an inefficient heat pump unit.

flowAjen

flowAjen
central, NJ
(Zone 6b)

June 26, 2013
8:55 AM

Post #9573929

Love that feeling when paying off a car

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

June 26, 2013
10:50 AM

Post #9574089

Look fwd to the day the mortgage is paid off!

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

June 26, 2013
11:50 AM

Post #9574145

cars and mortgage are ok --- now about that home equity line...
Jan23
Salem Cnty, NJ
(Zone 7b)

June 26, 2013
12:04 PM

Post #9574166

Woohoo, Jumper!!!

flowAjen

flowAjen
central, NJ
(Zone 6b)

June 26, 2013
4:08 PM

Post #9574540

Just got that pay off letter for home equity loan in the mail, I had forgotten about it

This message was edited Jun 26, 2013 7:08 PM

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

June 27, 2013
5:10 AM

Post #9575214

Regarding the energy audit. We learned it was "free" with our electric company. They put in a ton of high-efficient light bulbs that take forever to warm up and gave us one free led. One useful thing they said was to increase the insulation between our attached garage and the house.

flowAjen

flowAjen
central, NJ
(Zone 6b)

June 27, 2013
8:56 AM

Post #9575535

I hate those light bulbs that they FORCED on us

darius

darius
So.App.Mtns.
United States
(Zone 5b)

June 27, 2013
9:23 AM

Post #9575567

Me, too.
AYankeeCat
Fairfield County, CT
(Zone 6b)

June 28, 2013
12:22 PM

Post #9577216

Victor - are the solar panels you have paying off?

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

June 28, 2013
3:03 PM

Post #9577496

I assume so! Have not checked closely lately. Finished loan off a while back.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

June 30, 2013
6:09 AM

Post #9579815

Stormwater fees- what a mess.

Our school chief broke his contract and is leaving. Th e '"School board will decide what to do about the penalties of $10,000 a month for not giving written three month notice as required by his contract.:"
DECIDE??? WHAT DECIDE??? Its a %$^#$@%#^ CONTRACT!!
AYankeeCat
Fairfield County, CT
(Zone 6b)

June 30, 2013
7:55 AM

Post #9579945

%$^&#%#^ right!

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

June 30, 2013
11:53 AM

Post #9580243

I'm slowly changing the bulbs back. There may be a few places where we can tolerate a long warm up before a bulb is very bright. DH called them to see if they have any faster working ones, and the person on the other end suggested maybe not to turn the lights off so much ;)

I too am very interested in how people (ahem, Victor) are faring with solar power. We passed it up because the main spot for us is a flat roof which would require weights and we don't want leaks in the rubber roof. Still considering it here.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

June 30, 2013
12:25 PM

Post #9580299

SOme bulbs better than others- the senior apt where my MIL lives has some very slow onesin the bathroom . Actually, for the late night trips to potty thats not bad.
We unscrew one or more vanity lights to conserve elec. Most times we dont' seem to need all the light they can do.

DH is playing with solar panels from Harbor Freight. So far, pretty much just playing. Discovered that the compressor of the spare fridge pulls too much power to use it; we had hoped to hook up that one circuit to the solar.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

July 8, 2013
11:31 AM

Post #9591613

Staggering.



The U.S. Department of Agriculture estimates that a total of 101,000,000 people currently participate in at least one of the 15 food programs offered by the agency, at a cost of $114 billion in fiscal year 2012.

That means the number of Americans receiving food assistance has surpassed the number of private sector workers in the U.S.

According to the Bureau of Labor Statistics (BLS), there were 97,180,000 full-time private sector workers in 2012.

flowAjen

flowAjen
central, NJ
(Zone 6b)

July 8, 2013
11:36 AM

Post #9591622

geez
AYankeeCat
Fairfield County, CT
(Zone 6b)

July 8, 2013
11:49 AM

Post #9591644

i wonder how many of those ARE private sector workers.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

July 8, 2013
11:58 AM

Post #9591653

Lots of low wage earners probably are on it. This is the part-time job economy - especially with the healthcare law incentivizing it. Also, no doubt there is much fraud. On the radio this AM was a story of a CEO of a small company collecting welfare and food stamps. Not surprising to me at all.

flowAjen

flowAjen
central, NJ
(Zone 6b)

July 8, 2013
12:23 PM

Post #9591698

My hometown
http://www.nj.com/politics/index.ssf/2013/07/jon_bon_jovi_makes_1_million_gift_to_mary_pat_christies_sandy_charity.html#incart_river_default

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

July 8, 2013
1:25 PM

Post #9591795

Nice.

flowAjen

flowAjen
central, NJ
(Zone 6b)

July 8, 2013
1:47 PM

Post #9591839

this pic shows them walking past my old house!!!!

Thumbnail by flowAjen
Click the image for an enlarged view.

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

July 8, 2013
1:50 PM

Post #9591848

Hard to see any houses...;)

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

July 8, 2013
5:26 PM

Post #9592158

Re 'good' June jobs report:

"The number of persons employed part time for economic reasons (sometimes referred to as involuntary part-time workers) increased by 322,000 to 8.2 million in June. These individuals were working part time because their hours had been cut back or because they were unable to find a full-time job."

flowAjen

flowAjen
central, NJ
(Zone 6b)

July 8, 2013
7:21 PM

Post #9592329

Yeah sorry since it's a copied pic can't enlarge it anymore, ours was the one over Bon Jovi's right shoulder

Love how they make the #'s show what they want

flowAjen

flowAjen
central, NJ
(Zone 6b)

July 8, 2013
7:36 PM

Post #9592351

You can see our friend/former neighbor's house on the left and the front of our yard at 58 seconds
http://videos.nj.com/star-ledger/2013/07/video_gov_christie_and_jon_bon.html

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

July 8, 2013
8:02 PM

Post #9592377

No, I meant because of Christie...

flowAjen

flowAjen
central, NJ
(Zone 6b)

July 8, 2013
9:26 PM

Post #9592444

he is smaller than he used to be ;)

flowAjen

flowAjen
central, NJ
(Zone 6b)

July 10, 2013
12:33 PM

Post #9594245

the waste of $ is just insane!
http://americanmilitarynews.com/2013/07/military-commanders-fuming-at-34-million-base-no-one-will-use/

victorgardener

victorgardener
Lower Hudson Valley, NY
(Zone 6b)

July 10, 2013
2:30 PM

Post #9594392

No surprise. Meanwhile, on radio this AM, they said NYS Nat Guard troops losing two weeks this summer due to sequester. Priorities!

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

July 10, 2013
3:42 PM

Post #9594474

Hard for me to see why they have to spend money and tear the thing down. Give it to the Afghans, weren't we already building them schools? If we can't use it who gives a carp what they do with it?

flowAjen

flowAjen
central, NJ
(Zone 6b)

July 10, 2013
3:59 PM

Post #9594495

I would sell it to the Taliban, seems they have tons of $

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

July 11, 2013
3:39 AM

Post #9594903

And they are acting in the senate like our young people have to pay for the govt with their student loans.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

July 11, 2013
7:33 PM

Post #9595808

So, we had a Smart Energy Rewards day on Wednesday. We have the new Smart Meter and they called Tuesday and notified us we would earn $ if our usage was below our average. We upped the thermostat to 80 and scrupulously avoided laundry, vacuuming, washing dishes, LOL. Today they called and told us we earned $19 for reduced usage- ka ching! Expected a buck or two, something nominal.

Phase 2 of the solar refrigerator- DH took plastic containers, filled them, froze them downstairs and then we brought them up to the upstairs fridge. Penny saved is a penny earned!
AYankeeCat
Fairfield County, CT
(Zone 6b)

July 12, 2013
8:54 AM

Post #9596300

That is an amazing amount of money!

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

July 21, 2013
12:15 PM

Post #9607252

I just tried to buy a Walmart gift card online- my credit card got denied, then CITI texted my cell phone to confirm the charge. Second time an online charge has been confirmed before going through. I like it!

flowAjen

flowAjen
central, NJ
(Zone 6b)

August 28, 2013
7:34 AM

Post #9643775

15 count of gallon size storage bags 2 for $5, 1box of 30 count gallon size storage bags $2.79

Uhhhhh...hmmmmm, which should I buy?
Jan23
Salem Cnty, NJ
(Zone 7b)

August 28, 2013
8:43 AM

Post #9643856

I know, I know!!!!

flowAjen

flowAjen
central, NJ
(Zone 6b)

August 28, 2013
8:50 AM

Post #9643859

LOL

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

August 28, 2013
10:38 AM

Post #9643952

Yeah..

. but
seriously you should have an Aldi store. Pretty sure i paid 1 59 for 30
AYankeeCat
Fairfield County, CT
(Zone 6b)

August 28, 2013
10:51 AM

Post #9643961

I'm going to have to try Aldi.

flowAjen

flowAjen
central, NJ
(Zone 6b)

August 28, 2013
11:15 AM

Post #9643981

Aldi too far away, I'd spend more in gas $

flowAjen

flowAjen
central, NJ
(Zone 6b)

September 3, 2013
7:44 AM

Post #9649476

My friend's company is hiring CPAs

"My company is hiring in Atlanta, Austin, Baltimore, Bethesda (MD), Boston, Chicago, Glastonbury (CT), Long Island, New York, Roseland (NJ), Sacramento, Tysons Corner (VA), and White Plains (NY). Mostly audit/tax positions. Looking for CPAs with Big 4 or large local or regional accounting firm experience. "

let me know if have an interest

flowAjen

flowAjen
central, NJ
(Zone 6b)

October 2, 2013
7:58 AM

Post #9675817

Shopping for a car...What fun! NOT
I do like the test drives though
Trying to decide between sport and luxury

jumper2

jumper2
Huron, OH
(Zone 5b)

October 2, 2013
1:30 PM

Post #9676140

DS just lost his job. got a phone call yesterday to inform him the resturant he was working at closed. no notice, he worked there the night before.
Jan23
Salem Cnty, NJ
(Zone 7b)

October 2, 2013
6:19 PM

Post #9676398

Wow!! No indications there were problems?

jumper2

jumper2
Huron, OH
(Zone 5b)

October 2, 2013
6:44 PM

Post #9676420

none.
Jan23
Salem Cnty, NJ
(Zone 7b)

October 2, 2013
6:58 PM

Post #9676429

Hoping he finds something quickly.

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

October 2, 2013
8:11 PM

Post #9676483

Sorry to hear that jumper2

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

October 3, 2013
4:58 AM

Post #9676634

Sorry for what happened to DS and to all the employees. Hope he finds another job soon.

jumper2

jumper2
Huron, OH
(Zone 5b)

October 3, 2013
6:06 AM

Post #9676712

I hope so too. He has put in an application to my work place as a start.

flowAjen

flowAjen
central, NJ
(Zone 6b)

October 3, 2013
8:29 AM

Post #9676847

hope he finds another job

flowAjen

flowAjen
central, NJ
(Zone 6b)

October 3, 2013
8:32 AM

Post #9676850

I am surprised that car dealers are shocked when we ask them to find us a car with an engine and transmission that is made either in the US or Canada
Unreal...Mustang with stick...engine made in China!!!! REALLY! Does a person come with the car so he can run behind you and pick up the parts that fall off as you drive down the road?
wha
Pepperell, MA
(Zone 6a)

October 3, 2013
12:50 PM

Post #9677048

even if it is assembled here most of the parts are made in mexico, china, or malaysia

sallyg

sallyg
Anne Arundel,, MD
(Zone 7b)

October 3, 2013
1:49 PM

Post #9677095

THe community college sent an email reminding all staff of all the support programs that may be needed by the many families of students around this area (near DC) who may be affected by the shut down. Like food bank...
GIVE me a break. Most of these people make good money and enjoy great job security. THey can't survive a short term interruption?? JOIN THE REAL WORLD.
How about those service workers who normally feed and otherwise serve, and get tips from, all those federal workers who are staying home and cleaning out the fridge and getting caught up on housework.

Furloughs, salary freezes, hiring freezes, jobs cut in the middle of the night...thats what real people have been dealing with for several years.

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

October 4, 2013
5:17 AM

Post #9677586

On the car subject, seems easier to buy a Japanese brand to get it made in America. Are Ford engines made overseas too?

People in the community have been very riled up in general lately. For some, I expect to be hearing very sad stories about their hardships related to the federal budget shutdown. I am worried for the disabled and their families mostly, and those with questionable judgement will show up in Court.

flowAjen

flowAjen
central, NJ
(Zone 6b)

October 4, 2013
6:12 AM

Post #9677644

My friend's a social worker and her childrens' program was shut down but they said it's probably permanent.

Ford is hit or miss...Mustang with manual transmission engine is made in China, but automatic isn't the Ford Fiesta engine and transmission are Mexican and Brazilian
We took out a Ford Focus ST...what a zippy car! Engine made in Spain and tranny from Germany(very happy about that!!!, wish the engine was made in Germany!!!!)

We definitely want the important parts made by people that have been doing it for years and know what they are doing

Said there were disgruntled employees in Canada(can't remember what type of problems at the plant there, will look it up and get back) doing the new Camaro, so won't be even considering them

This message was edited Oct 4, 2013 10:43 AM

jumper2

jumper2
Huron, OH
(Zone 5b)

October 4, 2013
1:23 PM

Post #9677931

DS has an interview with my workplace on Mon. hope all goes well.
Jan23
Salem Cnty, NJ
(Zone 7b)

October 4, 2013
3:49 PM

Post #9678034

Praying it goes well!!

jumper2

jumper2
Huron, OH
(Zone 5b)

October 4, 2013
6:51 PM

Post #9678174

it's actually on Tues. I thought he said mon. thanks for the prayers!

RosemaryK

RosemaryK
Lexington, MA
(Zone 6a)

October 5, 2013
6:30 AM

Post #9678410

Fingers crossed for DS.

Oh where is that reliable car when we need one? I do have to say I have been very happy with my 2012 Honda CRV. Our kids will be needing reliable and inexpensive cars soon. Our fleet of old cars is wearing out and now DD1 finally got her license just before going back to college. I so wanted to win the new Mercedes (base car is $30,000) that public radio was offering as a fundraising prize. Seemed the odds were better than winning a lottery. DD2 who is car crazy is thinking about a Ford Focus. We do not believe the battery powered cars are a good investment if the car will get a lot of miles, especially.

flowAjen

flowAjen
central, NJ
(Zone 6b)

October 9, 2013
10:56 AM

Post #9682129

new
http://davesgarden.com/community/forums/t/1337246/

You cannot post until you register, login and subscribe.


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