Make your own income, hire a plumber. Total unnecessary. Men are useless in the family plan.
Posted By: exactly on 2006-12-26
In Reply to: Hmmmm - sm
x
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that's nonsense! I make a six-figure income all my myself being an MT. Hubby has no need to wor
xx
Make a list of budget/spending priorities for your self employment income
Dave Ramsey's book has a irregular income planning sheet. Basically you list your expenses with the cash flow sheet. With any steady income you allocate it. For irregular income, make a list from the cash flow sheet of what needs to be paid first. Keep a culmulative total.
We have 2 phones, family plan with 200
free text messages and my bill is only 65.
Alltel - about $120/mo family plan with 3 phones. sm
i like the alltel circle. most of my family has alltel as well and those that don't, i put 10 #s in my circle, any network, any phone # land or cell. we have unlimited nights and weekends, unlimited mobile to mobile. i have 350 texts and my daughter has unlimited texts and web for $19.99/mo added in that bill. i think towers for different providers are different for different areas though so you might wanna check out what is most popular in your area. i am in the south.
T-Mobile, approx. $60/month for family plan
We have 2 phones with 700 minutes, unlimited mobile to mobile, unlimited evenings and weekends. We don't do the text messaging stuff, so don't know how much that would cost to add on.
that's just disgusting and unnecessary...nm
nm
that was rude and unnecessary.
x
You don't need a plumber. You just need a little know-how.
I had the same issue not long ago. Liquid drain cleaners didn't work. I needed to use an old-fashioned plunger, and to do that I had to get the drain stopper out. There's a nut that has to be loosened under the sink. Once everything is cleared and you put it back together, you can set it so that the stopper isn't locked into place again, and you can just lift the stopper out whenever you want. Go to the link below or cut and paste: http://www.askthebuilder.com/550_Removing_Clogs_From_a_Bathroom_Sink.shtml
For those who think the foreskin is useless
The foreskin represents 50% to 80% of the skin system of the penis.
The average foreskin has over three feet of veins, arteries, and capillaries, 240 feet of nerve fibres, and over 20,000 nerve endings.
The foreskin is as sensitive as the fingertips or the lips of the mouth. It contains a richer variety and greater concentration of specialised nerve receptors than any other part of the penis.
Just as the eyelids protect the eyes, the foreskin protects the glans and keeps its surface soft, moist, and sensitive. It also maintains optimal warmth, pH balance and cleanliness.
Apocrine glands in the foreskin produce antibacterial and anti-viral proteins such as lysozyme, which is also found in mother's milk.
One of the foreskin's functions is to facilitate smooth gentle movements between the mucosal surfaces of the two partners by its rolling action along the shaft and over the glans during intercourse.
http://72.14.235.132/search?q=cache:WLsKLG1eYP4J:www.norm-uk.org/function.html+%22the+foreskin+functions&hl=en&ct=clnk&cd=1&gl=in
you may need to check with a plumber first
We would love to put one in but our plumber told us since our basement was finished there was no way of installing one (since you have to mess around with the pipes in the walls) without tearing out some walls first.
Top 10 Useless Body Parts.
When you're sick you may feel that certain body parts are more trouble than they're worth. And in some cases, you'd be right. While the human body has evolved and adapted significantly since the caveman days, a few biological traces of our prehistoric ancestors still remain with us in the form of freeloading body parts we lug around with us, but have no use for. Take a gander at the top offenders!
10. Plica semilunaris
You may not know it, but you have a third eyelid. Pull open the two more noticeable eyelids and take a look -- it's located right in the corner by the tear duct. This small third eyelid is left over from what's known as a "nictitating membrane," which is still present in full form in some animals including chickens, lizards and sharks.
9. Body hair
No doubt we were once hairier. Up until about 3 million years ago, we were covered with body hair. But by the time Homo erectus arrived, the ability to sweat meant we could shed our woolly ways.
8. Sinuses
Doctors don't really know much about sinuses -- only that we have a lot of them. Possibilities for their function range from insulating our eyes to changing the pitch and tone of our voice.
7. Adenoids
Adenoids trap bacteria, but they're also prone to swelling and infection. Just ask any 7-year-old. Luckily, our adenoids shrink with age and are often removed, along with ...
6. Tonsils
Also prone to swelling and infection. If you still have them when you reach your 30s, it's almost an accomplishment.
5. Coccyx
More useful as a game-winning Scrabble word than as part of the anatomy, the coccyx or tailbone, is made up of several fused vertebrae left over from the olden days when we had tails.
4. Arrector pili
When we were hairier (see No. 9), the arrector pili made the hairs stand on end when we needed to appear bigger and scarier. Now, it just gives us goose bumps.
3. Wisdom teeth
Back in the day, when we ate mammoth meat off the bone and didn't floss afterward, our teeth tended to fall out. Therefore, when those reserve molars, aka "wisdom teeth," came in, they were welcomed. Nowadays, fluoride and dental plans have made them just a huge pain.
2. Appendix
Darwin claimed the appendix was useful for digestion during our early plant-eating years; it's dwindled down to little since we started eating more digestible foods.
1. Male nipples
Because, why?
Is anybody's husband a plumber? I have a problem...sm
Our master bathroom has a sink that just won't drain as it should. It's my husband's side, and he shaves over the sink, so one would think it's just clogged with whiskers/shavings. But no amount of Liquid Plum'r or Drano will help. I can't for the life of me get the stopper out to see if something else is down there, though I can't imagine how that's possible. Really, theres no getting the stopper out.
So I'm wondering if it's possible that something in the stopper mechanism might have broken/flapped closed...something minor but just enough to cause this. It WILL drain eventually, but it's a pain waiting for it. I guess it's pretty hard to diagnose without seeing it, but I'm trying to avoid a plumbar housecall if possible. Anybody have a similar problem?
explain to young girls how dumb and useless these celebs are.
nm
Why don't you hire someone there to cut it - sm
maybe every other time or once a month to give you a break. My DH bought a $2500 tractor to cut our 5 acres(4 to cut) in the next county and has not done it once as yet, though he just had to have that tractor so he could cut the property He always has some excuse not to cut it. The tractor does get used on our 1 acre here at the house, but that is about it now (he used to cut the grass at a local church but no more). We have a local guy cut it maybe 2 x a year for $120 a pop. Obviously we are not maintaining it to look pretty. We have it cut it when it gets 2-3 feet tall basically. Last year we got away with only 1 time, not quite sure how we did that though.
Do It Yourself? or Hire Out?
Just curious--how much do you do yourself around the house? When do you pay others to do the work?
When we bought the house in the country, the previous owner was telling me about: the guys who plow her driveway, her cleaning lady, and she offered to give me the name of her window cleaner.
We don't pay others to do what we can do ourselves. I do the: cleaning, gardening, window-washing, painting. DH does the lawn, small repairs, clears the driveway, etc.
Only time we pay someone else is when the job requires more expertise than we have--for instance having the heater repaired, or major electrical work (DH can do the small stuff).
I even ripped down the 4 foot stockade fence in the back yard, tilled my vegetable patch, dug up some medium-sized bushes, etc. myself.
So, how much are you willing to do? where do you draw the line? Why?
First thing I'd do would be to hire
an honest, trustworthy Financial Advisor, who happens to be my brother's best friend of 25 years.
Yep, then they can hire the cast of ER.
x
That is true but the owners who hire them
should be held accountable. The American roofing/contruction co owners that do not want to pay their share of tax or pay a descent wage to a legal worker should be held accountable. The immigrants working illegal are just trying to make a living. (Yes it's stealing and wrong and I do not approve. Especially when they bring their whole families here.) The owners of these company are the real cheats though. They buy big vans and pick them up and drop them off. It's horrible wages are so low for hourly workers now. :(
Every now and then I hire my neighbor's daughter - sm
who is now 15 to babysit my 2 (7 and 8). She has 2 younger brothers (6&7) so plenty of experience being around younger kids (plus her mom is right up the road if there is a problem). I pay her $5/hour and usually a $5 tip to boot. Kids have a blast with her too, so it all works out.
Seems to me, agency so glad to hire out MT, just
x
airlines hire seniors
If you live near airport, airlines hire seniors for customer care type activities which vary and you get flight benefits.
All the kids should pitch in to hire help. Shouldn't all be on
:P
Then you're lucky!! Yes! I would hire her to do it and I think $15 is great! (nm)
x
I'd still hire a local general contractor.
Whether modular or traditional stick-built, there are a million details, legalities and regulations involved - and you'll likely still need some local subcontractors. A good general contractor can save you a ton of grief and bad experiences.
It is o.k. to hire firends to do the work cheaper,
but this lady is crazy! Do not give her any money, a deal is a deal and the husband is happy. If she needs some money, she should ask her husband for it.
Because meds and utilities are going sky high and no one will hire them nm
....
Total shock
That's all I have to say. 
I am in total agreement with you.
I have been working today and just thinking about not ever having to do any business with anyone who talks like the ones I have done today. I laughed the other day when 1 on here asked when did she go from Transcriptionist to interpreter. You may not know this, but years ago we got a difficulty factor, just for dictators like we have to do day after day now, unbelievable, isn't it? None of those dictators could even approach what we hear now. It is irritating. Some days I have taken off a little early when I know I am having 1 after the other, can make up that time another day- just too irritating and getting on my nerves to continue.
I am a total believer and do believe that
kids see things before they are old enough to think they are not supposed to. I still will smell my dad's aftershave every so often. I just think of it as he is coming around to see how I am doing. (My BF thinks I am crazy by the way.)
total witch
you are a stalker and i am reporting you
WalMart also contracts out companies they know hire illegals. There was
not too long ago.
Maybe next time hire a company that employs US citizens ; )
x
You just nailed it. Companies hire illegal immigrants.
zz
Honestly, if I were you, I would hire a real estate agent to help
xx
As long as you have an income
As long as you have an income you file. Over 70 is for social security where you can earn as much as you want and still collect your full SS. Boy is that was true all of the rich would be lying about their ages so that they did not have to pay taxes.
Too much house for you on your income...
especially with a new baby and all that requires...take into consideration if you have car payments, credit card payments, student loans, plus utilities, etc. Talk to a mortgage lender, what is your mortgage rate going to be, how much can you put down on the house, see what the lender says. Don't get in over your head...some people want it all right away, instant gratification. Take your time. Good luck
probably since any income is taxable
income for the year it is received. That is why you get a statement of earnings for it.
It is possible to increase your income
Pay off the house! Congratulations!:-)
Is it possible to increase you income temporarily to put towards the cc debt? Can your dh work side jobs or a second job?
After you pay off the house, I would start pay off the cc from the smallest balance first.
200
2K
4K
10K
I would not withdraw from retirement but stop paying it right now. After you pay off the house, put all your money into paying off the cc debt.
For the 4K and 10K I would write them a letter and try to get a lower APR.
If your income has been cut in half (sm)
I have to ask - what are you spending the money on? Rent is the first thing you should pay, then food, and then transportation. If you are worried about paying credit cards first, or some other debt, you are cutting your own throat.
I would advise you to do some looking at Dave Ramsey. He has several excellent books, available usually from the local library.
Also, as for the husband, sit down with him and talk to him - I don't know if you have done this or not, but his playing the video games may be a way for him to escape. If he has always been responsible in the past, then his irresponsibility now is probably a defense mechanism.
You both need to step back and take the emotion out of it. If you are not able to do that, the situation is not going to improve. You both have to show commitment to making the relationship work, even on so little money.
If you have a pastor or some sort of mentor/advisor, that might be a good place to start, once you have talked to your husband. A neutral party who can look at the situation from all sides can help.
Good luck, from someone in similar shoes.
HC
Thanks. I am total IC and work for one company..sm
and I have worked for them for 3 years. I do have a FED ID #, as my employer requested that I have one when I first started. Hence, I also have a business name, but I file under my SS# and my personal name, not my business. I thought maybe that would make a difference. I still have the letter, as I keep all of that stuff *just in case.* I know that being an IC, we are *suppose* to file quarterly and I did read somewhere that there may be fines involved if you don't, so I did not think too much about it when it happened. I file in April and everything is in their officed prior to the 15th, so that could not be a reason why the fine, either. Needless to say, I am confused. Maybe I will seek out an accountant this year and leave all that stuff in their hands. It is getting to be a drag and too time consuming for me anyway. just trying to save a buck, even though I know it is deductible. thanks for answering me. I appreciate it.
My stepmother and father (a total man's man)
just had their bathroom remodeled and had a big sunken tub put in just so he could take baths. He is 64 and in very good health, but finally realized how good a tub soak feels. My step-mom tends to light candles for him and add bubbles and he loves everybit of it. BTW, she often joins him as well. they also have weekly at home massages by a masseuse. Men need to slow down a little sometimes and enjoy the gentler things in life.
This Southern Gal is in total agreement with you! Nothing else need be said.
d
This will be total and much needed catharsis....
I am almost 54 years old and the permeating thought in my brain is that I am "a monstrosity," something my mother called my sister and I because we were tall. My father is still alive at 86 and says about some "pretty little thing." THAT drives me INSANE because I am not. He asks when I am going to play piano for him, and I laugh, but I think, "Never, because you have always criticized me." Still does. God help us all. That's the thing that has totally messed up my brain. I am a "monstrosity" and will never be a "pretty little thing." There. Now I have said it on the internet.
But, FYI, I am not a tall humongous woman, I am just tall and not a "pretty little thing." There, I typed it and that's almost like saying it out loud.
This thread ROX!
My husbsand is a total embarrasement
He thinks boxer shorts are shorts to wear at home when company comes over.
I bought him a nice denim lined shirt/jacket that he took to our seamstress and had 2" round buttons to replace the "normal" looking buttons. I swear, all he needs now is a Tonka Truck to complete the look of a properly dressed 2 year old.
HELP!!!! I think things need to start vanishing when I do laundry!
Those total sons of you-know-whats.
My situation was not QUITE the same.... It turned out I was the other woman; the guy I was dating and thought I was exclusive with turned out to have a fiance he didn't bother to tell me about. Looking back, there were a few hinky things I should have noticed, but they weren't the usual things, so I was thrown off my guard.
I do have a very good male friend whom I call my adopted big brother. (He's married, has been for decades, and his wife is aware that we are friends/business associates.) I asked him flat-out why men cheat, and he said (a) because they can, and (b) the thrill of the chase, or some bullhockey like that, that we testosterone-deficient females can't seem to understand, I guess. He also bluntly told me that I probably was not the only one, i.e. the only "other woman." I would not be surprised if that were true, but I never actually found out, since the SOB (and I do NOT mean 'short of breath') married the fiance and left town.
My best friend put it rather succinctly, when we were discussing another topic:
Men don't change, and women just learn to be abused gracefully. (Because this too is a form of abuse.)
Family is great but I am never back in my hometown where family is... So I always have extended fami
You can always pick your friends your stuck with your family. An Xmas for me is where my husband and kids come home to. It is what you make it!
Well, in a bank he would be handling money, so I think it's a legit reason to not hire. sm
To me, it makes perfect sense to not hire someone based on poor credit when that person would be working in an environment such as a bank, handling funds, etc. I see less reason to do so in other jobs, but in a bank, sure, it seems only logical to me. Sorry.
if we get to their 75,000 annual income qualification
then they can qualify us for that. 
How do you manage at income tax time?
Do you file separate returns?
Would you also want your income taxed at the 40% rate?
At one time England did that. The friends we had in Cananda said they were taxed to death on their income, but they were pretty pleased with their healthcare. There is no easy solution.
That puts me in the low income bracket. . . SM
Wonder why I don't quality for any help if that is the case. I have no medical insurance and was just at the ER and it cost me $1800 (so far as lab work not returned yet) to wait for 5 1/2 hours altogether and get a port and three meds administered with a CT scan of head. They charged me $396.00 for the attending on duty to talk to me 15 seconds after the resident saw me. A nurse told me in the ER that they would trim some of the cost for me, but when I called the hospital they said I did not quality. A working person falls between the cracks. Makes me angry they could not help me at all.
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