how to lose weight fast and naturally

to lose weight. The explanation for this is if your body is struggling to locate fuel to function it will begin to burn calories from needed supplies for energy such as reducing your muscle mass. You want to accomplish getting your body to the stage where it has enough energy stores that it will burn calories from body fat vs. muscle mass.

How to lose weight fast with diet and exercise involves burning bodyfat. Exercises play a crucial role in getting your body to the point where it burns bodyfat. Performing exercises has a number of benefits to your fitness and overall development. Performing exercises will ultimately help improve your tone and

people have successfully used the diet because it is so easy and it is designed by a doctor.
You start the program by filling out a profile of age, gender, weight height and target weight. Once completed you will receive a complete diet profile.
Once you receive your diet profile you enter the first of the three phases of the program. Phase one last for two weeks. This is where you get rid of all your cravings by eliminating most starches, sugars, alcohol or fruits. This is to stabilize your blood work.
You can have lean meat, chicken,turkey,fish and shellfish. Eat lots of vegetables, eggs ,low fat cheese and certain types of nuts.
If you can make through the first two or three days of phase one you will be amazed how easy it is after that.
You will eat three times a day and

First of you must know that you did gain all of those weight because of the foods you eat. Not only that but how and when you eat your food. The first thing that you need to do is overhaul your meal plans. Create a meal plan of your own if you don't have one. You must eliminate all of the unhealthy foods that you eat, especially foods that are rich on fats and oil. Include fruits and vegetables in your meals. These are very rich in vitamins and minerals that the body needs. It is also a great source of fiber. Most important of all that you don't ever skip a meal. When you miss a meal your body goes to what they call a "starvation mode". When the body experience hunger, it will make you rebound or eat more in your next meal then instead of using the food as energy it will store the food turning it into fats. Keep your stomach guessing on when is the next meal by eating more often during the day. That doesn't mean you have to eat more. What I'm trying to say is that you should have at least 2 or 3 small snacks besides your 3 regular meals.

Nothing works on How to Lose Weight Fast more than doing a regular exercise. Most people expect that you have to go to the gym when you do some exercise. There are many ways that you could do some exercise without spending money how to lose weight fast by going into a gym. If you have a treadmill at home you could use it and start running for at least 30minutes a day. If you don't have a treadmill then you could run on the park. It is more effective if you could have your exercise before eating your breakfast. Weight lifting could not only make your muscles work but is a great way to increase your metabolism rate.

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Unemployment Hits 9.6%, But There&#39;s Good <b>News</b>, Too - Dan Bigman <b>...</b>

For the third month in a row, the US economy shed jobs according to the Labor Department's latest figures, out this morning. The bad news is pretty clear: the country lost 54000 jobs in August. The unemployment rate (though calculated ...

foreclosure auctions

Realtors are not reporting the true sold prices on homes.  Here are 2 examples.  If a home is listed on the MLS and then sells at a auction like Hudson & Marshal or RealtyBid, you can see the sold price online or if you attend the live auctions, see the house sell at open outcry auction.  The next day the houses are reported sold on the MLS but always at full price.

The example below sold for $115,000 at Realtybid but is listed as sold for $159,500 on the MLS.

Also, homes are listed on the MLS and sold on the HUD site.  You can see the sold area on HUD and the Bid Stats.  The house listed below sold on the Hud site for $90,061 but again was listed as sold for full price on the MLS $113,400.

These are only 2 examples, I have seen over 100 and assume it is occurring everywhere.  I understand that foreclosures are not included in the sales stats from the Realtor Assoc. but the stats they use are taken from the sold prices listed on the MLS.  They are all false.

Simply said, this means that any pricing data coming off Multiple Listing Services is fatally flawed, and if this observation is verified, could potentially be a simplistic means to misrepresent the true home price by up to 40% higher.

As for the examples, here is property 1 as represented by the MLS: note the price of $159,500

And below is the actual final auction price on the exact same property taken from RealtyBid:

The MLS certainly pulled all the correct information on the property... all except for the price.

Another example: 5572 Goodhue Ave, Rockford IL 61109. The house was sold in auction for a purchase price of $90,061 as the below screenshot from the HUD auction indicates:

Yet the very same property was listed on foreclosure.com, and subsequently pulled by Zillow, as having a value of $113,400

These are merely two examples.

We have a simple question: which price is the NAR, Case-Shiler, and every other resi real estate index service pulling: the higher or the lower. For the ongoing credibility of the suddenly green shoot free recoveryless recovery, we at least hope it is the correct one. Which is why we ask readers to advise us of any comparable bifurcations between paid and listed price on properties they may be aware of.

Suddenly David Rosenberg's claim that no properties over $750,000 sold in the past month doesn't seem all that outlandish...

Need-to-know No. 1: The fine print associated with the type of auction you're attending. If you plan to score your bargain-basement unit at the foreclosure auction on the steps of the county courthouse, consult with a local real estate attorney and make sure you conduct an exhaustive title search before you make your bid. It's possible to purchase one of these properties and still have to contend with other liens still on the property, like second (or third) mortgages, back property taxes and Homeowners Association (HOA) dues unpaid by the former owner.



Under the law in nearly half of the states, when you buy a place at the foreclosure auction, the former owner has anywhere from six months to a year after the auction to "redeem" their rights to the property, meaning they have the legal right to buy it back from you.



If you're buying the property at an auction of REO properties (Real Estate Owned by the bank), make sure you read 100% of the terms and conditions of the auction. Many auctions will allow you to get a property inspection -- go figure -- so you should. They will also often allow you to use a mortgage to finance your purchase, which the courthouse foreclosure auctions do not.



However, most of these REO auctions do take a non-refundable cash deposit from the auction winner, and do add some sort of "buyer's premium" on top of the winning bid -- some as high as 5%. That extra cash can make it tougher to get positive cash flow out of the place.



Get clear on the fine print before you buy at any property auction.



Need-to-know No. 2: Your numbers. Many a wanna-be investor thinks, "Hey -- it's a $50,000 condo. If I get $1,000 in rent -- I'll be making cash hand-over-fist." And there ends their cash flow analysis. Seasoned investors know, though, that there are always more line items to the story. If you're thinking about investing in even the cheapest of cheap condos, you still need to create a written cash flow projection, or pro forma, to see how feasible it is that the investment will actually pay off.



If you plan to finance your investment with a mortgage, you must factor in the mortgage payment, mortgage insurance (if you put less than 20% down), and closing costs. And, even if you are able to buy a cheap condo with cash, you still need to take into account the costs of HOA dues, property taxes, landlord's insurance, any utilities landlords pay in your neck of the woods (like water and gas), a property manager and repairs.



You should also include an allowance for long-term maintenance, possible special assessments by the HOA and vacancies -- every landlord deals with occasional months where no rental payments come in. And you should definitely have a chat with your tax adviser about the deductions you should factor in, and the income tax you may incur on the rental income.



Then, offset that -- on paper -- by the average rents being received by other landlords in the complex or the area. If you're only making $3.75 per month in the projections, you might decide that other investments are more sensible.



Need-to-know No. 3: Whether the HOA and the complex are healthy. Sacramento, Calif., real estate agent Stacey Wilson thought she'd scored, big-time, when she invested in a two-bedroom, two-and-a-half bath condo for $40,000 in September of 2009, especially since the place had gone for $175,000 in 2007. After closing, though, it quickly dawned on Wilson that the complex and the HOA were both broke.



"Take a look around and see whether things are in working order," Wilson advises prospective condo investors. "When things are broken, find out how long they've been broken." Wilson's complex has two pools and a sauna, but "none of them works -- and they haven't worked in years."



Also, Wilson's unit is in an HOA riddled with a sky-high rate of delinquent dues, so it can't afford to repair the pools and sauna, nor does it have the cash to replace the wood shake roofs on all the buildings. "We only have a couple of years of roof life left, and now the hazard insurance company is threatening to drop our coverage, because they see the wood roof as a fire hazard," Wilson explains. "It's really important to read every page of the HOA disclosures you get during escrow, and make sure they're solvent. If the HOA is broke, it can create a domino effect of problems."



Need-to-know No. 4: The landlord-tenant laws and restrictions of your city or HOA. Many urban areas, in particular, have rent-control and eviction-control laws that limit your ability to raise the rent, or to evict a tenant without having a particularly strong reason for doing so -- sometimes even requiring landlords to pay tenants to move out.



And because the percentage of owner-occupied units impacts the ability of an HOA's members to resell and refinance their homes (many banks won't offer mortgages in complexes with fewer than 75% of the units being owner-occupied), many HOAs put a cap on how many units can be rented out. If you're planning to buy the condo as a rental property, it behooves you to know how feasible and how desirable it is to be a landlord in that complex and town before you buy.



Need-to-know No. 5: Where goes the neighborhood. Wilson's foray into dirt-cheap condo investing turned into a true adventure when circumstances led to her moving into the property she thought she'd never live in. Turned out, the nighttime goings-on in her new neighborhood were unlike anything she ever expected from her exclusively daytime experiences in the area. Before investing in a discount condo, Wilson advises, act like someone house hunting for their personal residence, and "go by the place at night and on the weekends. You'd be surprised at how different a place can be at night."



The fact that a condo is so inexpensive might actually be a signal that the neighborhood may not be one you want to spend much time in, even as a landlord. Wilson says, with 20/20 hindsight, "If it's really cheap, it's probably not in the best place."
make money from home jobs

personal finances help

Solopreneurs often feel that they don't need a business plan, especially if they're not looking for financing.  Is this true? When do you need a plan? How complex does it have to be?

To help unravel the solo business plan mystery and the "how to" of it all, I turned to small business consultant, Doug Dolan. Here's what Doug has to say:

One of the top five questions I get from solopreneurs is, “Do I need a business plan?” My answer is always, yes. However, this doesn’t mean you need a formal plan. The detail, complexity and length of your plan will vary depending on these key factors:

1. The complexity of your business
2. The amount and source of your funding
3. The severity of the damages you will incur if your business fails

Business plans run the spectrum from a one-page outline or mini-plan to a 30-page formal business plan.

For example, if you wish to start an internet-based business using a meager portion of your savings to bring in some secondary, passive income through affiliate sales while working your day job, you can get started right away with a basic outline or mini-plan.

However, if you are passionate about designing a patentable, reverse osmosis water filtration system requiring a $500,000 investment (a combination of mortgaging your house, cashing out the kids’ college funds, and outside investment), a formal plan is necessary.

What is a mini-plan?
A mini-plan will range in size from one to 10 pages (whereas a formal plan may often span from 18 – 30 pages). So what’s in a mini-plan? At minimum, you need to have the following:

• Your UVP
• A definition of your prime prospect
• A list of your prime competitors
• The products / services you will offer
• Finances needed to reach profitability
• How you will utilize those funds
• Legal structure and other necessary licenses, permits and certifications
• A marketing plan (from ads, to social media, joint venture partners, etc….)
• Goals

What is a formal business plan?
If you do a search online for a “business plan template”, you will find a few different versions. So which do you use? Here are the sections an investor will want to see:

• Executive Summary
• Company Analysis
• Industry Analysis
• Customer Analysis
• Competitive Analysis
• Marketing Plan
• Operations Plan
• Management Bio(s)
• Financial Plans
• Appendix

What if you find yourself stuck (or simply fed-up with the process), where can you get help? You have a couple of options:

1. Do a search online for “free business plan templates”.
2. Buy a software package and fill out a template.
3. Seek out a SCORE or SBDC counselor to give you some free advice.
4. Hire a consultant (like me) to help you develop your plan and / or review and edit a final draft.
5. Hire a consultant or company to draft your plan from scratch.

Here are pluses and minuses with each of these scenarios.

Templates and software packages are simply tools. They don’t fill it out for you. Moreover, most of these options focus solely on the formal plan structure.

Seeking out a SCORE or SBDC counselor offers you a no-cost alternative, however, they will typically only help with reviewing a final plan … and often only a formal plan.

Hiring a consultant for a coaching or a review will cost you some of your start-up funds, however, you will receive more active, personal attention.

As for hiring a consultant to create a business plan for you, typically, this will cost you the most. While this will free up your time for other start-up activities, you will miss an excellent opportunity to get to know your business and your market. It is through market research and developing your plan where you gain the most insight. If you need to pitch investors, you had better know your plan forwards and backwards.

When creating a plan, let me stress a couple of key points.

1. Create a plan.
Don’t get started without a plan. It is your roadmap taking you from an idea to success. How long do you want that road to be? If you set up shop and start without a plan, chances are high, you will have to pull over along the way and ask for directions. Getting lost and asking for directions after the fact will cost you time and money.

2. If it doesn’t add up, take two steps back.
While doing additional research to complete your plan, you may find data that suggests your idea won’t make money. Don’t dismiss the negative information and only look for data that supports your idea. It is better at this point to go back to review and alter your idea and target market choice. Don’t try to sell yourself on a bad idea.

3. Have a pro review it.
If this is your first time creating a plan or if you are creating a plan for a business in an industry other than that of your previous work experience, let a successful entrepreneur review it. If you are creating a mini-plan, you may be able to start without having someone else reviewing it (although it wouldn’t hurt to let one successful entrepreneur take a quick look).

If you are creating a formal plan, you may want to consider passing it out to three pros. At least one of the three should be a successful professional with experience within your target industry while at least one should be an outsider.

Why?

First, with three pros, if there is a trend in their responses, you are less likely to dismiss what they have to say. Additionally, you will typically find that they each may give advice not provided by the other two.

Second, an industry insider will help you with the areas of your business you don’t know you don’t know while an outsider can tell you whether your plan is in plain enough English. Not everyone that you pitch your plan to will be from your target industry. You don’t want to miss out on securing money because your language confuses them.

If you have questions or find you are struggling with areas of your plan, leave a comment below or write me at doug@smallbizbreak.com.

Doug Dolan is a partner at Small Biz Break. Small Biz Break helps entrepreneurs expedite their new small business ideas to market and activates a buzz for their brand with multimedia services. Go to Small Biz Break to access their free business templates, forms and ebooks and to get more information about their small business startup and multimedia services.

Week after week, obsessive Mad Men fans call up retired advertising veterans, fashion historians, and businessmen to suss out what it was really like back in the sixites. But when Don Draper, the son of a prostitute, shockingly ended up getting slapped by an escort wearing a red bullet bra in the season-four premiere, did anyone think to call up a dominatrix and get her take on the scene's verisimilitude? Why yes, in fact: Vulture did. The scene raised so many questions: Does Don need a domme? And do dominatrices get to abuse guys as luscious and successful as Don Draper? On the eve of the prostitute's return in episode three, airing this Sunday, we asked professional dominatrix Mistress Pixie to help us understand some of what Don Draper may be in for. Now sit the fuck down and pay attention, slaves!!!

The slapping sex scene takes place on Thanksgiving day. Would you ever work on Thanksgiving?

Fuck yeah, could care less. Money is money.

This woman on the show, who is not a domme but an escort, mentions her family briefly. Do you ever offer any details of your personal life?

Not too much info in the beginning, but yes, after a few sessions, they like to talk; they become like friends, sort of. And they talk about themselves; it's like therapy.

This woman seems to be offering a little S&M along with sex. What do you think about that and do most dommes ever mix sex with domme work?

No, never. You never cross that line. A real domme never has sex with a client.



What if he's as adorable as Don Draper?

You never have sex, ever; you never cross that line. At least I don't — most don't. But it does annoy us when escorts also advertise themselves as dommes, because real dommes don't have sex. They should advertise themselves as escorts with fetish services. Real domme clients don't get off on sex, they get off on being dominated and humiliated: You give them nothing.

So having a client like Don doesn't turn you on?

No, but a gorgeous client is just an added bonus, a fun toy, more fun to torture.

Are your clients successful men like Don Draper?

Definitely. 90 percent of clients are powerful men: They are powerful at work, in their families, socially. They need a balance; S&M is a need. They need to feel weak and let go.

What kind of women are dommes?

Lots of very educated women, lawyers, woman with PhDs. We love what we do. We love to study psychology so we can fuck with their heads even more.

How's business been with the recession and all? Lots of these high-powered guys have lost their jobs. And Don's not doing great on the show: Sterling Cooper Draper Pryce is struggling and his finances are taking a hit because of the divorce.

Yeah, we got hit pretty hard two years ago when the recession started. You know, hiring a domme is a luxury. But business is back. You know, when times are so stressful, I guess the luxury becomes a necessity.

how to lose weight fast photo

CBS <b>News</b> - Daily Beast - Rebecca Dana | &quot;Perverse Hobby&quot; | Mediaite

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Coast Guard responding to rig fire Gulf of Mexico; people reported <b>...</b>

Enlarge Matthew Hinton, The Times-Picayune Matthew Hinton / The Times-Picayune A helicopter lands with survivors of the rig explosion at the Terrebonne General Medical Center in Houma all survivors walked off the helicopters Thursday ...

Alzheimer&#39;s Trade-off For Mentally Active Seniors - Science <b>News</b>

Stimulation delays cognitive decline, but disease advances quickly once it starts.

I want to rn About Effective Ways to Make Money From Home Package jhwcw

your garage does not mean that you can afford to skip the necessary steps for building a business.
Indeed, no matter what kind of business you intend to work on, you must be aware of the following:
1.- First, you need to know what are the ingredients that are necessary to make any particular business model work.
2.- Second, you need to commit yourself to learning the different skills involved in developing and running your business.
3.- Third, you need to draft a business
One of the most exciting ways to earn income is from home and the good news is that as technology advances so do number of opportunities to earn good money from home. Perhaps the best way to make money from home is through some kind of internet based business. It is important to think creatively and come up with new ideas as this will set you and your website apart and give you the competitive edge necessary to succeed online long term.
Blogging:
You are probably familiar with the concept of blogging and there are indeed many who make good money from it. The first key point to remember is that you want to own your blog so it is best to not use free hosted blogging solutions as this will reduce your chances of ranking well in the search engines. More than likely you are an expert at a certain topic and it is important also to make sure there is a demand for the content you will blog about. Use a free keyword tool like the Google keyword tool external to figure out whether the subjects you wish to blog on have a strong market on the internet. Remember that patience is key and it is also a good idea to not rely solely on one approach when it comes to earning money online.
Create interactive sites:
It is important to learn about creating sites that have user interactivity and ideally are even 100% user generated content sites. For instance, an article directory that gets content submitted by thousands of other people. However the key to success is to be unique so this will require a certain level of programming skill either on your part or you will have to hire a skilled programmer. There are many great tutorial sites to help you learn about web development using various technologies like php, MySQL and asp.net. PHP/MySQL is a great place to start as it has been used to create some very powerful and popular sites and it is also free to use. If you are not a programmer by profession then it can seem daunting to learn the necessary technologies however with practice it will get easier.
Create affiliate review sites:
There are tons of products being released each day and sold online. If you can create a site that organizes the products effectively and ranks them accurately then there is good chance you can make good affiliate commissions. Many of these products you review will also

Article source:
kshwc

A roundup of today&#39;s Apple <b>news</b>

Why has none of these so called "news" sites addressed this question? What's going to happen with all of the Apple TV's in our homes now? I would expect we see an OS update when the new version is released or sooner. 2 stars ↓↑report ...

Hot Air » Good <b>news</b>: Illegal immigration declines to only several <b>...</b>

Good news: Illegal immigration declines to only several hundred thousand per year.

Some Good <b>News</b> | Talking Points Memo

Over the weekend we brought you the news of the apparent arson attack at the construction site of the future Islamic Center of Murfreesboro, in Murfreesboro, Tennessee. The day after the incident, members of the congregation's board ...

t Fat Loss" and more free tips here: Weight Loss Tips.
he Best Way to lose weight fast is a mixture of mental ability and eating a well balanced diet. Your body and mind should be in the correct mind set. You have to set yourself goals that are attainable so that when each goal has been reached you can feel a sense of personal satisfaction.


you are no longer consistent.
Just make up for your mistake by eating twice as healthily as before. Remove temptation from your life (and your pantry!). Do your grocery shopping on a full stomach so you do not feel compelled to grab every snack in sight. Stock up instead on healthier alternatives, like whole grain foods.
Know the difference between a craving and real, honest-to-goodness hunger. When you hear that jelly doughnut a-calling, imagine yourself eating some other kind of food, like chicken, for instance. If you?re really hungry, you?ll want to eat whatever food comes to your mind. If anything other than that jelly doughnut seems like a bad idea, then what you have is a craving that must be ignored.
Eat smaller portions more frequently, about every three hours, because when you allow yourself to get hungry, it will be that much difficult to suppress your appetite and you will have a tendency to overeat.
Diet Plan # 3: Take Your Pick.
If you prefer a more rigid and quicker weight loss diet plan, try the famous South Beach Diet. It has three phases, the first of which takes two weeks long and is the most restrictive. Its specific menus do away with most of the carbohydrates you know and love, like bread, pasta, sugar, and alcohol, making it a seemingly difficult diet to hurdle. The Atkins Plan, on the other hand, provides three meals and one snack a day. It focuses on eating lean meat and eggs, and like the South Beach Diet, targets carbohydrates first.
The ideal would be to shed one to two pounds a week. Anything more than that would be too risky as it isn?t just unwanted


gduwz

A roundup of today&#39;s Apple <b>news</b>

Why has none of these so called "news" sites addressed this question? What's going to happen with all of the Apple TV's in our homes now? I would expect we see an OS update when the new version is released or sooner. 2 stars ↓↑report ...

Hot Air » Good <b>news</b>: Illegal immigration declines to only several <b>...</b>

Good news: Illegal immigration declines to only several hundred thousand per year.

Some Good <b>News</b> | Talking Points Memo

Over the weekend we brought you the news of the apparent arson attack at the construction site of the future Islamic Center of Murfreesboro, in Murfreesboro, Tennessee. The day after the incident, members of the congregation's board ...

managing personal finances

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Sicko throws puppies to death | The Sun |<b>News</b>

VIDEO emerges of blonde woman flinging helpless dogs into fast-flowing water.

Still No Earths, But Getting Closer - Science <b>News</b>

Two newly discovered planetary systems shed light on odds of forming terrestrial planets.

Celebrity <b>News</b> Roundup from PopEater: Aug. 31

Want to know what's going on with your favorite TV stars when the cameras aren't rolling? Check out the latest celebrity news from our friends.

personal finance and budgeting

Forget the coupon clipping. A straightforward, realistic budget is the best deal you'll ever find.



Why is a budget the best deal? Because, just like your childhood puppy your budget will always be there for you, no expiration dates, no fine print to yank away the savings after you've already been whipped into a furry of consumerism. If you care for your budget it will take care of you so that "saving" isn't just not unnecessarily spending an extra $5 at the grocery store this week; but actually saving money in a high yield savings account. Another great thing about a budget is that, again like your puppy, it will take you back even if you screw up.



Think outside the sale. For years I chased after deals and discounts like they were the oxygen keeping me alive. It didn't matter if I needed an item or not -- if there was a sticker advertising 60, 70, 80 or 90% off a gadget, I wanted to buy it. How could I pass up the savings?



It wasn't until recently that I realized a budget is the best deal you can find. After taking a few minutes to look at how to put together a budget I realized that it takes less time to set up and follow a budget than it does to look for deals every day of the week.



Thanks to great free personal finance management (PFM) tools from sites such as like Mint.com, Rudder and others you can easily create a budget and track how well you are following it each day. These tools will even send you a notification when you go outside of your budget so you aren't shocked at the end of the month. If you don't already have a successful budget don't start creating one yet. First go read these tips for setting realistic budget.



Advice on Budgeting

• Reverse Budget - A savings first solution from FiveCentNickel


• Budgeting basics - a Budget primer from Consumerism Commentary including suggestions on how to get started.

My personal favorite and current method of budgeting isn't so much a budget as it is smart spending. Ramit Sethi explains the model in his book I Will Teach You to Be Rich, calling it, "Conscious Spending." Instead of focusing on the minutia Sethi concedes that it is in fact OK to, "Spend extravagantly on the things you love, and cut costs mercilessly on the things you don't."



A budget may be the best deal, but that doesn't mean you need to give up on coupon clipping and bargain hunting; just make these tools that support your plan instead of the main focus. If you plan for your purchases, by saving up at SmartyPig or setting a goal in Rudder, you can still go looking for a deal on your next purchase and pay in cash. Trust me, there's something really incredible about paying in cash for the new camera that you've researched and found the best deal on.Thanks to great free personal finance management (PFM) tools from sites such as like Mint.com, Rudder and others you can easily create a budget and track how well you are following it each day. These tools will even send you a notification when you go outside of your budget so you aren't shocked at the end of the month. If you don't already have a successful budget don't start creating one yet. First go read these tips for setting realistic budget.



Advice on Budgeting

• Reverse Budget - A savings first solution from FiveCentNickel


• Budgeting basics - a Budget primer from Consumerism Commentary including suggestions on how to get started.

My personal favorite and current method of budgeting isn't so much a budget as it is smart spending. Ramit Sethi explains the model in his book, I Will Teach You to Be Rich, calling it, "conscious spending." Instead of focusing on the minutia Sethi concedes that it is in fact wise to "spend extravagantly on the things you love, and cut costs mercilessly on the things you don't."



A budget may be the best deal, but that doesn't mean you need to give up on coupon clipping and bargain hunting; just make these tools that support your plan instead of the main focus. If you plan for your purchases, by saving up at SmartyPig or setting a goal in Rudder, you can still go looking for a deal on your next purchase and pay in cash. Trust me, there's something really incredible about paying in cash for the new camera that you've researched and found the best deal on.

J.D.: Parents tend not to like parenting advice from parents either. You really can’t win. It’s a war zone re: parenting choices out there, and all that tells me is that overall families with kids are not feeling well-accommodated in the current economic structure.

Glad the family factor finally got mentioned though. Similarly our first cutting area would have to be kids’ extracurriculars, second would be quality of nutrition, third would be heat, then we’d sell the house or take on a tenant rather than lending our basement apartment to a friend.

Parenthood has three-quartered our income and nearly quadrupled our expenses. We didn’t have a car, for example, before the kids started begging for us to please get out of the city sometimes. And how do you say no to that if you can afford it? “No, kid. Go play in the parking lot. Trees aren’t all they’re chalked up to be.” Our only financial fat is kids’ activities. With two kids and no consumer debt, we have very little to cut re: grownup expenses. (Um, we get takeout once a week so I can stop cooking for a minute?)

Etc. etc..

That said I’m constantly looking for ways to bring a little in here and there while I’m mostly at home. This will get easier when they’re both in full day school. Day care + summer camps would cost more than my salary as an arts professional, so I opted to stay mainly at home for seven years. Opted being a strong word. It was a financial no-brainer, and I personally felt I had no choice. On the other hand other parents I know feel compelled to work full time because in their particular situation that makes the most sense. Truly every situation is different, and no doubt everyone is doing what they can to provide as much as they can for their kids.

Financial factors aside, some people freely admit to not being able to handle the stresses of at-home parenting. Self-knowledge is key to this gig. Better the kids are in daycare than cared for by a no doubt loving but resentful and unhappy parent. Loving the act of parenting and loving your children are two very different things.

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Forget the coupon clipping. A straightforward, realistic budget is the best deal you'll ever find.



Why is a budget the best deal? Because, just like your childhood puppy your budget will always be there for you, no expiration dates, no fine print to yank away the savings after you've already been whipped into a furry of consumerism. If you care for your budget it will take care of you so that "saving" isn't just not unnecessarily spending an extra $5 at the grocery store this week; but actually saving money in a high yield savings account. Another great thing about a budget is that, again like your puppy, it will take you back even if you screw up.



Think outside the sale. For years I chased after deals and discounts like they were the oxygen keeping me alive. It didn't matter if I needed an item or not -- if there was a sticker advertising 60, 70, 80 or 90% off a gadget, I wanted to buy it. How could I pass up the savings?



It wasn't until recently that I realized a budget is the best deal you can find. After taking a few minutes to look at how to put together a budget I realized that it takes less time to set up and follow a budget than it does to look for deals every day of the week.



Thanks to great free personal finance management (PFM) tools from sites such as like Mint.com, Rudder and others you can easily create a budget and track how well you are following it each day. These tools will even send you a notification when you go outside of your budget so you aren't shocked at the end of the month. If you don't already have a successful budget don't start creating one yet. First go read these tips for setting realistic budget.



Advice on Budgeting

• Reverse Budget - A savings first solution from FiveCentNickel


• Budgeting basics - a Budget primer from Consumerism Commentary including suggestions on how to get started.

My personal favorite and current method of budgeting isn't so much a budget as it is smart spending. Ramit Sethi explains the model in his book I Will Teach You to Be Rich, calling it, "Conscious Spending." Instead of focusing on the minutia Sethi concedes that it is in fact OK to, "Spend extravagantly on the things you love, and cut costs mercilessly on the things you don't."



A budget may be the best deal, but that doesn't mean you need to give up on coupon clipping and bargain hunting; just make these tools that support your plan instead of the main focus. If you plan for your purchases, by saving up at SmartyPig or setting a goal in Rudder, you can still go looking for a deal on your next purchase and pay in cash. Trust me, there's something really incredible about paying in cash for the new camera that you've researched and found the best deal on.Thanks to great free personal finance management (PFM) tools from sites such as like Mint.com, Rudder and others you can easily create a budget and track how well you are following it each day. These tools will even send you a notification when you go outside of your budget so you aren't shocked at the end of the month. If you don't already have a successful budget don't start creating one yet. First go read these tips for setting realistic budget.



Advice on Budgeting

• Reverse Budget - A savings first solution from FiveCentNickel


• Budgeting basics - a Budget primer from Consumerism Commentary including suggestions on how to get started.

My personal favorite and current method of budgeting isn't so much a budget as it is smart spending. Ramit Sethi explains the model in his book, I Will Teach You to Be Rich, calling it, "conscious spending." Instead of focusing on the minutia Sethi concedes that it is in fact wise to "spend extravagantly on the things you love, and cut costs mercilessly on the things you don't."



A budget may be the best deal, but that doesn't mean you need to give up on coupon clipping and bargain hunting; just make these tools that support your plan instead of the main focus. If you plan for your purchases, by saving up at SmartyPig or setting a goal in Rudder, you can still go looking for a deal on your next purchase and pay in cash. Trust me, there's something really incredible about paying in cash for the new camera that you've researched and found the best deal on.

J.D.: Parents tend not to like parenting advice from parents either. You really can’t win. It’s a war zone re: parenting choices out there, and all that tells me is that overall families with kids are not feeling well-accommodated in the current economic structure.

Glad the family factor finally got mentioned though. Similarly our first cutting area would have to be kids’ extracurriculars, second would be quality of nutrition, third would be heat, then we’d sell the house or take on a tenant rather than lending our basement apartment to a friend.

Parenthood has three-quartered our income and nearly quadrupled our expenses. We didn’t have a car, for example, before the kids started begging for us to please get out of the city sometimes. And how do you say no to that if you can afford it? “No, kid. Go play in the parking lot. Trees aren’t all they’re chalked up to be.” Our only financial fat is kids’ activities. With two kids and no consumer debt, we have very little to cut re: grownup expenses. (Um, we get takeout once a week so I can stop cooking for a minute?)

Etc. etc..

That said I’m constantly looking for ways to bring a little in here and there while I’m mostly at home. This will get easier when they’re both in full day school. Day care + summer camps would cost more than my salary as an arts professional, so I opted to stay mainly at home for seven years. Opted being a strong word. It was a financial no-brainer, and I personally felt I had no choice. On the other hand other parents I know feel compelled to work full time because in their particular situation that makes the most sense. Truly every situation is different, and no doubt everyone is doing what they can to provide as much as they can for their kids.

Financial factors aside, some people freely admit to not being able to handle the stresses of at-home parenting. Self-knowledge is key to this gig. Better the kids are in daycare than cared for by a no doubt loving but resentful and unhappy parent. Loving the act of parenting and loving your children are two very different things.

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Spectroscopic science <b>news</b>

These are my links for July 30th from 18:21 to 18:27: Space balls redux - I've reported on this ...

Real Estate <b>News</b>: A Glass House, Fannie&#39;s Losses and Low Mortgage <b>...</b>

Here's a look at real-estate news in today's WSJ: ... Real estate news and analysis from The Wall Street Journal. Federal Officials: No Plans for Expanding Refinance Programs. August 6, 2010, 9:59 AM ET ...

Analysis of NSIDC August 4 <b>News</b> | Watts Up With That?

NSIDC published their sea ice news yesterday, and this one is definitely worth a read. Yesterday I pointed out that the graph below seems to be inconsistent with other data, including NSIDC maps. ...

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Amidst the nation's worst economic recession since the Great Depression, and continuing problems in California with health care, education funding, home foreclosures, and lack of jobs, how do you explain the disgraceful spending by candidate Meg Whitman in her campaign to buy the governor's office.

According to campaign finance reports filed yesterday, Whitman has spent $99.7 million the past two years, a figure that the Associated Press notes climbs to $100.3 million when including donated services.

Those numbers, which shatter campaign spending records in California and presumably exceed the amount any candidate running for any office in the U.S. other than President has spent, signal a campaign that is out of control and that shows little regard for the real life of most Californians.

With more than 2.2 million Californians are out of work (Employment Development Department, July 16, 2010), at least 6.4 million are uninsured (U.S. Census Bureau as of 2007), and California ranks 41st in the U.S. in per capita spending per pupil (National Education Association rankings), such massive resources could surely be put to better use.

Those are just three of the many signs of crisis in California that show the appalling contrast with the outrageous spending spree by one billionaire candidate who seems to be driven by personal ambition and little else.

If Whitman, whose main qualification for office appears to be her unlimited wealth, really wants to help the state, there are many other ways she could use those resources to add real social value to our state, and help Californians who are hurting, who are sick, or to bolster our education system.

At the California Nurses Association/National Nurses United, we have calculated, with the help of our research arm, the Institute for Health and Socio-Economic Policy, other, more fruitful ways that $100 million could have been spent.

• Pay monthly unemployment benefits for 82,237 unemployed Californians. (Average unemployment benefit in California is $1,216) Source: Orange County Register, July 19, 2010



• Pay the unemployment benefits for two months for the 40,000 workers she would lay off. (The U.S. Department of Labor calculates that by its broadest measure, the U-6 rate which is defined as total unemployed, plus all persons marginally attached to the labor force, plus total employed part time for economic reasons, as a percent of the civilian labor force plus all persons marginally attached to the labor force, California has the highest unemployment rate in the nation, 21.9%.)

• Pay yearly health insurance premiums for 7,477 families. (Average yearly health insurance for family coverage $13,375) Source: Employer Health Benefits, Annual Survey 2009, Kaiser Family Foundation

• Fund 18,018 students at the Pell Grant maximum. (Pell Grant maximum for school year 2010-2011 is $5,550.) Source: United States Department of Education

• Pay for 11,447 pupils in California K-12. (Average expenditure per pupil in 2008-2009 school year was $8,736) Source: California Department of Education

• Pay the "fees" for 10,770 students to attend one of the University of California campuses for academic year 2009-2010. (Fees to attend UC are $9,285.) Source: University of California, Fees and Financial Aid

• By our calculations, help as many as 5,714 households avoid foreclosure The California Housing Finance Agency, the state's affordable housing bank, estimates it will help 40,000 or more households avoid foreclosure with principal write downs and other plans unveiled Wednesday. In all, the agency received $700 million for the relief programs. Source: James Wasserman, "California to help pay down homeowners' mortgage debt."

[Four out of the Top ten cities for housing foreclosures are in the Central Valley. Source: Realty Trac].

o Modesto is ranked second in the nation with 5,138 homes or 2.93 percent of all housing units in foreclosure in the first quarter

o Stockton is ranked fifth, with 6,327 homes in foreclosure, or 2.77 percent of the city's homes.

o Merced is sixth. It had 2,307 homes in foreclosure in Q1 or 2.76 of all homes.

o And Bakersfield is ninth in the nation, with 6,343 homes in foreclosure or 2.33 percent of all housing units]

• Hire as many as 1,755 new grad RNs in California for a year. Source: United States Department of Labor, Bureau of Labor Statistics, May 2008 Occupational Employment and Wage Estimates

I sought government assistance ONE time.  I mean actively go and get it, had a lawyer and everything and I got it. 

It was the TOUGHEST decision I ever made because I hated, I mean HATED the idea of relying on governmental help because I was raised to be independent but I had to do it.  I had to do it because I made a mistake unwittingly years ago (follies of youth) and I had to pay the piper as it were because it caught up with me and it was a bit of an act of desperation and had very little choice.  (bankruptcy)

I was taught not to look to the government for more than the execution of righteous laws, including and especially the Constitution, and its military defense of the country.   So this was little more than a handout from the government and because it bothered me so much, I actually went to therapy for a short while.  Things are fine now, as I said, this was years ago.

Because of the way I was brought up, and the way I am, I don't see how people can seek government help without trying other avenues first?  And I mean really trying.  Yeah, there are some legit cases, but then you know there are the loafers out there too, and this business of the unemployment benefits has been abused in recent times, especially since it has been certified that the Obeyme administration truly is anti-business and places to work at don't want to hire people in that kind of climate.  So you got two big problems here, the people taking advantage of a situation and the current government taking advantage of a situation and NEITHER one benefits in the end....except the government has tighter control.

So what are people to do?  The options are getting more and more limited these days.

-Jon

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