Oh no...JoAnn's files for bankruptcy
Annie Deighnaugh
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rob333 (zone 7b)
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Dad declared bankruptcy.
Comments (3)cube1067, Hi again, friend from way back when. I'm sorry about your father's pickle. Not a pleasant situation, for sure. Isn't it difficult to compehend how someone can continue making the same mistakes over and over? And as for learning lessons, there's no rule that we can only learn from our own foolish mistakes: we're fortunate if we can, keeping our eyes and ears open, learn from the mistakes that others make. If we don't boss our money - it'll boss us. Learning how money works is an interesting hobby - that pays well. I've spoken here approvingly previously about Canadian MoneySaver, a plain paper magazine with no ads and few illustrations - mostly text. They asked what subscribers wanted, so sponsored seminars with their resource people and meetings of the subscribers in a number of cities. The monthly meeting here was last night. On Tuesday evening, the editor came to speak in London and offered a number of good ideas about money management and tax savings. Son went with me, daughter wasn't able to. The overhead transparencies that he used are available at www.canadianmoneysaver.ca/tipsandtools. A number of useful concepts relevant for everyone, but some of the material is relevant for Canada only. Have a great weekend, everyone. ole joyful...See MoreQuestion Regarding Bankruptcy
Comments (18)"Fortunately we never used my income for daily living expenses. We are, however, missing our ability to make capital purchases." If I may be so bold, what did you use your income for? Did you use it to establish college funds for the kids and nest eggs for you and your spouse? That's the smart way of doing it, and I know a few people who have managed to do that, even where I am, in Washington, DC. What amazes me is that I own a townhome in one of the more expensive area of the nation, and I manage it on a single salary. I'll admit that my ex-wife and I bought when the market was low, but after she and I split I kept the house. It was EXTREMELY tight at times, and I'm still carrying too much credit card debt that I'm working on erasing. There were some really tight times when I truly thought I was going to have to either get rid of the house or plunge into the bankruptcy option. Then my job situation changed for the MUCH MUCH better, I'm sitting on nearly $150,000 equity in my home (housing prices in my community have gone NUTS in the last 3 years), I'm socking 23% of my paycheck away into a 401K (the maximum I can go) plus more into other funds, and I'm still keeping ahead on all of my other payments. I use my credit cards too much, there's no doubt about that, but I keep it to a dull roar, and over the past two years have erased about $5,000 of $12,000 in credit card debt and moved much of it to cards that have interest rates at or below 10%. Living within one's means isn't difficult for most people. It takes discipline and EDUCATION on the wise use of credit. That's the kicker. The credit card companies that were approving everyone and their 1-year-old brother (the agressive marketing of revolving credit to college and even high school students should be illegal, or heavily curtailed in my opinion) largely have only themselves to blame for their losses no matter how much they whine about it. They weren't educating people about credit use, and it's hurt a LOT of people. One of the things that I did with Navy Federal was write member educational materials on credit use....See MoreOh my gosh, did you see this? Beverly Hills housewives..so sad
Comments (15)No I don't know them, and my comments were harsh. Mainly because of that innocent little girl, now she will surely know that finances were part of the reason her Daddy hanged himself, and if it does not occur to her this year, within a few years and certainly when she's older, she'll most likely think back to her extravagant birthday party and blame herself. That is why I said what I did about her mother. That kid could have had a $15 cake from the grocery store, 8 friends and pin the tail on the donkey and been just as happy. That party was to indulge her mother's ego. But you know how I am about people not being personally responsible--and yes, it was his fault for not putting his foot down, but regardless as to how much she knew about their finances, her spending was over the top and vulgar. In fact, her life seemed vapid and vulgar, to me. As to many of them. Just what I deduce from what I'm shown, and what they agreed to be a part of. I don't know why I tune in when I do (haven't watched all the franchises, or any complete season) but it's like watching a train wreck....See MoreOh No! Gray Slime!!
Comments (65)"I will fight you with all my vigor if you are going to deprive me of my right to consume what has been proven safe food just because you feel it is revolting." What has been proven safe food is the real question for me. I don't trust the gov, any gov, to tell me what's safe to eat. Our processed food industries are full of practices meant to stretch real food by including a slew of "additives" that human beings were not meant to eat. Like wood pulp and cotton waste turned into cellulose gum, one of the most ubiquitous additives/stretchers - supplied by that arbiter of safety - none other than China. In fact, our bodies don't absorb it, don't use it. don't digest it. Who knows what adverse effects it has on our digestive systems? It's a filler - a stretcher, dead weight if you will. It's cheating. And the processed food manufacturers market it to us as extra FIBER. And just because cellulose gum has been used for many years and given the okay by the powers-that-be to be added into our foods doesn't make me believe that it is any way good for me. It's a Frankenfood, pure and simple. As for the pink slime uproar - people are angry because it is not just a piece of meat that has been ground and packaged that we have been buying - that we thought we were buying. We find out that this additive, however natural in origin, however safely processed, has been secretly added to our so-called ground beef. Secretly added. Yes. If you are not required to disclose it, that's being secretive. That's hiding information from the people. That's government agencies preemptively deciding it's okay not to disclose information because they know better than the people. That's lying. That's pulling the wool over our eyes. That's being in cahoots with the processors and not being on the side of the people. The processed food industry needs to be held accountable. People are more educated now. We want disclosure. We want transparency. We want to eat what you tell us we are eating. If it's 15% chemically-processed filler, then put it on the flipping label. Otherwise you are a cheater. An immoral cheater....See Morefaftris
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Annie DeighnaughOriginal Author