Gas card? Lottery tickets? Paid magazine

• gift ideas for high tech men who have everything - ThankfulMT
  • Gas card? Lottery tickets? Paid magazine - subscription? Certificate for massage? nm
    • Thanks nm You have the best ideas about everything! - ThankfulMT

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Credit cards have long been a very good deal for people who pay their bills on time and in full. Even as card companies imposed punitive fees and penalties on those late with their payments, the best customers racked up cash-back rewards, frequent-flier miles and other perks in recent years.

Now Congress is moving to limit the penalties on riskier borrowers, who have become a prime source of billions of dollars in fee revenue for the industry. And to make up for lost income, the card companies are going after those people with sterling credit.

We pay off our balance every month. If they do this (punish those who have sterling credit) Ridiculous!! I'll stop using my CC and pay by cash or check.

So much for reform.

things (like maybe a birdhouse or Indian things) that come in packs of 10 - 12 to put together. A little more expensive but I use to order things like that for my cub scout den.

My husband had access to scrap wood and a wood shop.  He cut out (10 or 12) pieces for a tool box.  The kids loved hammering them together.  (kinda a bigger project.) 

Maybe plant something that would be ready to plant outside later?  Maybe a project for when it gets closer to being warmer. 

I would put the question in the "search" box.  Even ask for projects for President's Day or whatever holidays are coming up! 

I know a guy who won the TX lottery several weeks ago, along with some othe co-workers - it was 12 million but after it is split up - they should each get about $200,000 - give or take (since he hasn't filed income tax in over 5 years - he may not get that much - as he filed this year - so it is a red flag) - but the whole thing is being held up because one of the men will not give his social security number to the lottery commission - i don't know what his reason is - but this is keeping all the others from their winnings.  I guess it pays to know who you are doing business with - even if it is combining funds to buy lottery tickets.

was your experience? Thanks!

Her and 2 of her friends.  Should be interesting.  LOL.  Don't forget Bobby Sherman in that group. 

My point was it's a good amount of pay for the hours put in.  There are lots of jobs where the pay doesn't come any where close to what is deserved (sound familiar?), but that's not exclusive to the teaching profession.

If parents would be parents, teachers could be teachers.  When my son was in high school I always attended the parent-teacher night.  One of his teachers said something that rang so true.  When I asked how my son was doing he replied, "He's doing great.  Every parent I've met tonight has a son or daughter who is doing just great.  Of the ones who are lost, struggling and failing, I have yet to meet one of their parents tonight."  We talked for a bit and he told me regardless of the phone calls to home, the letters, the one-on-one time with a student in trouble, the parents never pitched in, never made an effort, and he was losing the battle with those that needed help.  

I will never say say teachers have it easy.  Teaching is a tough job.  A social worker has a tough job.  A roofer has a tough job.  A nurse has a tough job.  Where does it end?  There are a multitude of underpaid professionals in our society.  If you go into the teaching profession for the love of the job, so be it.  You know, or should know, what the average salary is before you make the decision to get your degree.  Eyes should be wide open. 

Back to the beginning: hour for hour, day for day, if the time clock was punched, the salary and benefits a teacher earns is pretty darn good.  Go after the parents for them to do THEIR job so the teacher can do what his/her salary reflects: TEACHING. 

What I am wanting from someone is an hour each morning (M-F) to do:
1) Make 2 beds (changing sheets 2 times a week)
2) Vacuum 1000 sqft (with about 300 of it not carpet - sweep)
3) Unload dishes from dishwasher/load any dirty ones
4) Swish the toilet down and wipe down the bathroom sink/mirror
5) Drop any trash at the trash bin as they leave

My questions:
1) Do you think this is reasonable to be done in an hour?

2) I am thinking of offering $15 an hour...Too much? Too little?

Thanks

I live in a mobile home I bought excessively used.  It is fully paid for.  My car is 1996 and while it has 123K for mileage, it is still running just fine and I am told will go to 200K.  It is paid for.  I own a lovely piano, paid for.  Clothing I either make or buy on the sale tables from Walmart.  I especially like that most of my tops only cost me $3 or $5.  I take good care of my clothing and much of it I have had for several years.  Since I have chosen carefully I like what I have.  Same for shoes. Same for what little costume jewelry I have.  Same for my budget bedding.  I buy household stuff second hand because I like certain tacky nick nacks from the 1950s.  I even shop for the lowest prices at second hand shops. 

Now, I have not had a vacation in 13 years, it is true.  I am just now getting used to having to take 2 full days off every week and managing those 2 days without sitting down to work is hard.  I do, however, have a lovely home and no debt.

I only work one job and I do pretty well ($40K a year).  I am able to have enough taxes withheld not to worry about it.  I have insurance too.  After that, I can pay my bills and I manage to put back about $500 to $700 a month, depending on my line counts.  I have no idea what I am saving for right now, but it feels good to watch the numbers climb.  I literally put every fourth paycheck in the savings account.  I DO eat what I want when I want.  I have also stock piled canned foods because of food prices.  I buy lost leaders at the grocery store for the most part.  If it has a store special tag on it, I am going to choose it over something else.

I am at a point where I don't use the car, but about twice a month to go the bank, which is not close enough to walk to.  There is no place close I'd go out to eat even if I were inclined, which I am not.  I am an avid sale and clearance shopper, and while I am not longer at the point in my life where this is a necessity, it is so ingrained (did I spell that right?) that I can't stop.  Some people may get off on buying an expensive item, but I get my thrills out of seeing how little I can spend to get what I want.  Example is a flat pack entertainment center I wanted. Original price was $120 and I got it for $32.  Nothing wrong with it and it was easy to put together, just clearing out for new styles.  I had wanted one for a year before I bought this one, but found that price and jumped on it with great joy. 

Since I know perfectly well that working harder and longer is not really an option, I chose to cut my spending and now I am really happy.