Posted at 08:00 PM in Free, Frugal, Health, Money Saver | Permalink | Comments (0)
Posted at 02:00 AM in Alternative Income Streams, Docu, Investing, Options | Permalink | Comments (0)
Starting in 2011, any bank or other payment settlement company that processes credit cards, debit cards, and electronic payments such as PayPal will have to issue information returns telling the IRS what merchants receive. The new returns are Form 1099-K, Merchant Card and Third-Party Payments.
Posted at 10:00 PM in Current Affairs, Entrepreneurship, Money, Taxes, Web/Tech | Permalink | Comments (1)
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I use these sites to get my freebies (links optimized for Firefox)
Today I got my free slurpee (Mango flavored). When I go back on July 11th, I'm doing the Coca Cola!
Posted at 01:17 PM in Food and Drink, Free, Frugal, Money Saver | Permalink | Comments (0)
Posted at 09:30 AM in Books, Free, Frugal, Money Saver | Permalink | Comments (0)
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Private-industry employers spent an average of $27.42 per hour worked for total employee compensation in December, while total compensation costs for state and local government workers averaged $39.60 per hour.
The average government wage and salary per hour of $26.11 was 35 percent higher than the average wage and salary of $19.41 per hour in the private sector. But the percentage difference in benefits was much higher. Benefits for state and local workers averaged $13.49 per hour, nearly 70 percent higher than the $8 per hour in benefits paid by private businesses.
The California legislature took a reckless gamble that makes Wall Street's bankers look cautious. At the top of a bull market, they enacted a huge pension boost for public-safety and industrial unions. The bill reconfigured the compensation formula for pension benefits of all public-safety employees who retired on or after January 1, 2000. It let firefighters retire at age 50 and receive 3% of their final year's compensation times the number of years they worked. If a firefighter started working at the age of 20, he could retire at 50 and earn 90% of his final salary, in perpetuity. One San Ramon Valley fire chief's yearly pension amounted to $284,000—more than his $221,000 annual salary.
Sources: WSJ & Washington Times
Posted at 07:15 PM in Current Affairs, Government, Money, Taxes | Permalink | Comments (0)
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Posted at 09:49 AM in Alternative Income Streams, Docu, Eco, Entrepreneurship, Environment, Green | Permalink | Comments (0)
Posted at 08:00 AM in Frugal, Money Saver | Permalink | Comments (0)
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The dangers of high fructose corn syrup as well as aspartame are well documented. Blue Sky soda is healthier but expensive. So if you still enjoy soda (like I do), what are your options?
Make your own. The equipment is very basic and the key is choosing your extract. While there are many sites to get the goods, I use Leeners. It's a one stop shop for making all sorts of stuff - beer, wine, mead, cheese, yogurt, ice cream, even mustard and hot sauce.
Posted at 09:30 PM in Current Affairs, Food and Drink, Frugal, Health, Money Saver | Permalink | Comments (0)
Technorati Tags: cheap, do it yourself, frugal, frugal living, saving money, soda, sustainable living
The U.S. title-insurance industry faces increasing pressure from regulators to justify the fees charged to consumers for ensuring they have clear ownership of their homes, Title insurance can range from several hundred to several thousand dollars!
So here is what you do. Early in the process of buying a home or refinancing, let your real-estate agent and lender know you will select your own title insurer. Research title-insurance costs online and check whether there are fees on top of the premium (in many states, consumers pay separate fees to the agents for that research, on top of the premiums).
Posted at 12:15 PM in Banks, Current Affairs, Housing, Money Saver | Permalink | Comments (0)
Posted at 09:31 AM in Alternative Income Streams, Bonds, Docu, Investing, Options | Permalink | Comments (0)
Posted at 10:30 AM in Food and Drink, Frugal, Money Saver | Permalink | Comments (0)
Spread your peanut butter on a toilet paper roll.
Roll it in birdseed

Hang it on a tree branch.
Posted at 09:00 AM in Eco, Environment, Frugal, Green, Money Saver | Permalink | Comments (0)
Posted at 12:00 PM in Alternative Income Streams, Entrepreneurship, Swagbucks | Permalink | Comments (0)
Posted at 05:00 PM in Alternative Income Streams, Entrepreneurship, Money | Permalink | Comments (0)
Posted at 08:11 AM in Beauty, Frugal, Money Saver | Permalink | Comments (0)
In 1913, the entire federal tax law, plus explanations and other related material, fit into a single 400-page volume. Today, they total 40,500 pages in 22 volumes. And the list below shows you all the taxes that have been added. Yet the government is broke??????
Posted at 11:00 AM in Government, Taxes | Permalink | Comments (0)
Check out this YouTube video of a news report out of Salt Lake City, Utah, about the issue. It's illegal in Utah to divert rainwater without a valid water right. Utah isn't the only state with rainwater collection bans. Colorado and Washington also have rainwater collection restrictions that limit the free use of rainwater. Laws restricting water collection have been on the books for more than 100 years in some cases.
I wish environmentally conscious readers would start standing up to government bullies like true patriots. Instead, they simply want to limit our use of fossil fuels and regulate how many children we can have.
Posted at 07:00 PM | Permalink | Comments (1)
Deuteronomy 15:11 "For the poor will never cease to be in the land; therefore I command you, saying, 'You shall freely open your hand to your brother, to your needy and poor in your land.'
First, let me say that you can make money in stocks whether they go higher or lower. Secondly, I never understood why people are so eager to pay the payroll (social security) tax. That is 7.65% of your income and people under 40 will never see what they paid in. Finally, blowing your money or keeping it in an account that pays less than 1% means you are going backwards financially.
Posted at 12:15 PM in Frugal, Investing, Money | Permalink | Comments (0)
Source: Uploaded by user via Who Knew? on Pinterest
Posted at 11:00 AM in Current Affairs, Eco, Frugal, Green, Money Saver | Permalink | Comments (0)
Source: Uploaded by user via Who Knew? on Pinterest
Posted at 10:00 PM in Current Affairs, Food and Drink | Permalink | Comments (0)
These days, the motto is "risk on, risk off".
So when you see 10yr and 30yr US Treasury Bonds rise in price (fall in yield), stocks will ultimaetly sell off. Flight to safety play.
Look at Portugal, Spain, and Italy bond yields. When they rise, stocks will ultimately sell off. Risk aversion play. Notice how the WSJ fails to give investors complete data!
Here are some facts for those of you who follow the mindless chatter on CNBC or any stock market blog:
Amounts outstanding on the global bond market increased by 5% in 2010 to a record $95 trillion. Government bonds accounted for 43% of the value outstanding at the end of 2010, up from 39% a year earlier. The US was the largest market with 39% of the total followed by Japan (20%). The considerable growth means that at the end of 2010 it was much larger than the global equity market which had a market capitalization of around $55 trillion.
Posted at 05:00 PM in Bonds, Current Affairs, Debt, Investing, Stocks | Permalink | Comments (0)
Posted at 12:15 PM in Current Affairs, Food and Drink, Frugal, Money, Money Saver | Permalink | Comments (0)
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