zondag 24 april 2011

A freezer full of meat: Food protection gone wrong

A Freezer Full of MeatSo, I made a good life, two years ago, when I camp decided to on some steaks. I own a large freezer and I had plenty of room in there. The cuts I like (shoulder, Porterhouse, rib-eye steak, and so on) would go every two weeks in my local supermarket in the sale, and if I would find a sale of cuts, which I like, I would to anything you buy. Would some days they have so much supply, that I end up with a shopping cart of high with meat stacked. Yes, I have a lot of funny looks.

I thought, I was damn smart. It was hedge diet. I was now, buy quality meat for a very reasonable price, so I it a year or longer later enjoy could, if the costs at some point, would be almost certainly higher.

My plan, but was on me. These days, I eat only rarely red meat. I lost it slowly, and for some strange reason my desire. I still like chicken, Turkey, fish and pork, but the delicious love story that I had with red meat, a food item I thought I would never tired, is no longer.

So, now I find myself trying to limit the waste and financial loss as best I can. I gave away some last summer to friends and neighbors who like to grill. I sold some to a close friend of me $0.50 on the dollar for a series of frozen packages numbers (they like to their German Shepherd only the best feed.) agreed in the other I'm not sure what to do is. I will soon be moved to, and the meat will not likely survive the relocation.

Anyone need some old, but still very pink meat? Labels: Food, frugality, security, hoarding, meat, steak



View the original article here

Add the snowballs!

I've been flat out since I got back and finally got to the round will be reviewed in the light of the numbers of the March. We are still spending too much Food to buy, so I'm task this month for our food and the reduction of the expenditure. I'm going to buy all coffee/lunch packages when I am on the road this month.  I packed lunch and take a thermos instead. Only it seems to me obsessed to get rid of this debt-to-the minute, all things!

I had the opportunity to pay the extra $ 500 off payday debt this week and if all goes to plan I hope to snowball, a total of $ 3000 + This month. That takes me close to the first credit card-Citibank-paid off and I'm going to kill it completely in April.

I've been listening to Dave Ramsey, and keep me motivated and debt follow-up reports on the FPU class. It helps keep me focused. I only left the debt!


View the original article here

The art of complaints

The Art of ComplainingMy husband and I volunteer as a host family for a Russian student at our University. About spring break Masha went to see her mother and spent a day and a half in Chicago O'Hare International Airport because their flight was late, they cause their connection to miss.

Masha and I had lunch after their journey, and she told me about their martyrdom while awake 18 hours straight, going counter counter is from flights, was not sleeping and not even to study the luxury with.

"You must write a letter," I told her.

"I no idea how to do," said Masha.

Their dilemma was rooted not only in a cultural difference, but a new generation. With the technological simple E-mail and instant messaging have many people today simply not know how to write a good old-fashioned letter of complaint. However, I have found that, even in the electronic age, a hard copy letter with several CCs, an all power has its own.

As we sat, half wait for our dinner I trade a draft, United Airlines, which began with "Love customer representative." We told her story in detail, including a poignant line, "my American friends couldn't believe that I not even airport vouchers for a Cinnabon purchase get."

Like me letter Masha advised a hardcopy to United, CCing any official entity which could think they, including the Russian Embassy.

Two weeks later she received a letter apology and a voucher for $150 on their next flight.
When I enter middle ages, I discovered that it was actually an art and effectiveness to the complaint. And there are rules.

You look first to the right person which complain. If you had a problem with Wal-Mart of employee, complains but not to this person, this person Manager. Not you shy away from questions, for a supervisor. If I was difficult to negotiate, to a late fee with discover delete the representative who was phone said there nothing I could do. I asked for his Manager. As a result I could never, on account as long-term customers, above, at the end had not only receive a refund on the late fee but also my promotion rate have restored.

Secondly, make sure that you evidence your complaints-have a defective product, input or witnesses.

Thirdly, you follow the old aphorism that honey is more effective than vinegar. Not screaming you, and have a Hissy fit-in particular, if you're a woman like you be be as hysterical instead of right violated. Try to keep to the facts as far as possible, but not shy away from honest and sane vocation, such as insert, "I have shop have all been here my life and never saw such a poor customer service." "As a long-time and loyal customer, I am disappointed in your treatment."

Finally, appeasement hit before a reasonable and acceptable. When my husband and I literally of a Wal-Mart employees when buying an iPhone were chastised, I complained to the Manager and told him that I am happy with a case for our problems deluxe phone. We went home with the case.

Last week I bought a Roomba from KMart. When I bought it, the clerk asked if I wanted the three year warranty, which I declined. When I got home, I discovered that the Roomba were used. I again immediately it KMart for a replacement. While at the service desk, comp I asked the Secretary when KMart would be willing to me the guarantee for the inconvenience. You called her manager, and it was made. I went from the store, as consumers happy and well balanced.

If you believe in business transaction you did wrong were have, not your tongue bite, but respond in a reasoned and respectful manner. You will be surprised by the results. Labels: Doles, complaints, Consumer_rights, Durgagi, KMart, Letter_writing, United_Airlines, Wal-Mart



View the original article here

zaterdag 23 april 2011

April Bump Update …

It is time for the monthly Bump Update …

3 March:

Sonogram pics could not something clearer-it is a boy. Discovering this information, I think I am much less cautious with my food choices. When I thought it was a girl, I ate fruit and planted. Baby boy may now fruits and veggies … and spicy jalapeƱo burgers. It is a boy. He can take it like a man.

4 March:

I inform baby boy who wake up hours between 6 a.m. and 9: 00 a.m., not 9: 00 p.m. to 06: 00 Baby spends the next 24 hours kicking incessantly proves its full control over the situation.

7 March:

My husband said I am the least emotional pregnant person he ever met … when I raised him to the floor, blocked him until he could not breathe, and demanded he says it.

10 March:

I thought my mother with a baby would finally stop asking me to have one – and she did.

She asks now only when I plan to have another.

15 March:

Considered writing a press release:

Dear mothers (and you know what you are): you are not in a competition for the gold metal in the world's most difficult pregnancy. I am sorry your pregnancy/delivery/husband was appalling. My, have so far been pretty cool and I want to live in my dream world, the rest will be the same. Do not feel the need to share the same stories over ... and over ... again and again. I wanted to hear the first time.

19 March:

The week before every doctors appointment, I bump up my usual workout routine with slightly longer walking or exercise a little further each day. Every time I see a nurse with her Clipboard, standing near the scale, I think I weigh for the biggest Loser … in reverse.

24 March:

Concerned that almost 6 months, I still don't need maternity clothes. Is this baby also growing?

25 March:

Suddenly need maternity clothes. Belly popped as a Turkey timer.

Posted by BEK's 7 April 2011 at 5: 00 AM in:), about me | 8 comments»
You can skip to the end and leave a response. Pinging is not allowed.

Original debt: $ 38, 495.86Added debt: $ 1, 781.50Total debt: $ 40, 277.36Paid: $ 31, 928.65Remaining: $ 8, 348.71Cash savings: $ 2,700.00distributed onAuto Loan 1: $ 0.00credit Card: $ 0.00 Student loans: $ 8, 348.71Auto loan 2: $ 0.00vet loans: $ 0.00

View the original article here

Seriously?!?!?

I swore I would never talk about the stupid making home affordable bluff * cough * I mean, the application again as it has been a nightmare and we have given up hope of everyone but they called me last night. They wanted to, I know my file had been driven to the supervisor and is currently under review.

No, I am not going to get my hopes up, and no, I will not spend hours chasing paperwork, they will lose again and again, but I guess we'll see what happens?

Weird.

Posted by BEK's 15 March 2011 at 5: 00 AM home ownership, making home affordable Program | 6 comments»
You can skip to the end and leave a response. Pinging is not allowed.

Original debt: $ 38, 495.86Added debt: $ 1, 781.50Total debt: $ 40, 277.36Paid: $ 31, 928.65Remaining: $ 8, 348.71Cash savings: $ 2,700.00distributed onAuto Loan 1: $ 0.00credit Card: $ 0.00 Student loans: $ 8, 348.71Auto loan 2: $ 0.00vet loans: $ 0.00

View the original article here

Sort of "stuff".

Preparation of the layoffs will continue! I have spent all day yesterday, the sales of the listing, and more ' stuff ' that we no longer want or need to sort. Can I get the things that could be used to pay a little money, but I do not really flea market easily. So, if I may decide, on the basis of a list of eBay: "; See what I can find second hand store or other ways to get money from them. It is difficult, because I really do not know the value, so I do not want to be copied. Things are, inter alia, the
stamp collectionsbadge collectionscollectible booksold chinalots and paintingsgood the image of the English framesantique clothesold gramaphoneold music from old ornaments, I am down, moving, that are going to take me a little longer to deal with the etcSo. The document that you've been thinking of is the furniture. Our home has a large 4 bedroom home with the two mentioned, and, on the one hand, and the office. We only need enough furniture for 2-3 bedroom house with so much it has to go. I am also the father of the furniture here as well. I made an inventory of furniture pieces, we have: 1 Queen double bed1 bed2 one beds2 lounge suites (3 lounges and 2 armchairs) 2 dining tables and chairs (1 x 8 seater; 1 x 4-seater) 2, computer desks1, a large wooden desk2 sideboards2 bookcases2 Office chairs4 the wooden bedside lamps tables2 less drawers1 aquarium1 treadmill1 bookcases2 cheststhe use of the gym1, for a total of bike3 coffee table2x tables1 to 4 drawer for sewing cabinets2x2 application cabinetsv application to the mailbox. large 3 mailbox Laundry cupboard and 1 wardrobe2 Pianos are planning on moving my children, because this year, but they are not good, taking much of the furniture with them. It will feel good about this move. The more I get rid of now, the less I need to be compressed. But I need to provide enough to also keep the House well for sales (hopefully, 12 months). I feel like things are coming together, though. I know what you want to keep and do not care about the furniture.

As more space, then delete to facilitate us to paint and renovate.  We sell ' stuff ' in the money will go to pay off the debt. OK, better get back to it!

Check out the comedy clip about "stuff":
"all in the House is that it covers, pile of stuff" George Carlin


View the original article here

vrijdag 22 april 2011

(B) of a fight ends … now

I called the b of a in today to check the status of our application for making home affordable program. After passed 7 times, I finally was moved to someone who knew what they were talking about (very few and very far between). He looked through my program and told me about my tax information to 2009 was not in my file.

"I stare at an exact copy of the information I sent. Treasures 2009 was there. " I replied.

"Well mam, I can only tell you what I see," he said, annoyed. "Even the pay cheque stubs you sent was from September. It is too old. "

"It is because I submitted the application in SEPTEMBER. They were current when I sent them ", I said angrily.

"No customer service will accept the old municipality and missing information on the tax. You will need to send anything, "he said coolly.

"Spend hours collecting and packaging information, only to have you lose it and try for three months?" I asked.

"Looks that way, not the" he replied.

I get it.

Finally, I get it.

I understand why people get so fed up, they walk away. I get why they dismember their homes when they leave. I get why our neighbour his house on fire when he was forced to leave. I get why there is so much anger.

We started this process a year and a half ago and I am still stuck at square one.

I must admit, I picked up the phone immediately after again down at Bank of America and dialed our bank. I had plans to end our mortgage checking account just to get attention for this terrible, terrible bank. Miss a payment? Or two? Or ten? Yes, perhaps they would actually get a hint that the fight has just begun, and now I'm ready to play dirty.

About 20 seconds to listen on a particular bad rendition of a Yanni vocals, Hung I.

Who's kidding? As much as I dislike them and wish ill on them as a company, I refuse to change who I am. They may be the largest group of course dirty liar, but I am not.

Thank you to Bank of America to make me miserable. Thanks for reminding me that I cannot stand that under his thumb. Thanks for inspiring me debt free including loan because every minute with you in my life is too long.

Posted by BEK's 31 January 2011 at 5: 00 AM home ownership, making home affordable Program | 23 Comments»
You can skip to the end and leave a response. Pinging is not allowed.

Original debt: $ 38, 495.86Added debt: $ 1, 781.50Total debt: $ 40, 277.36Paid: $ 31, 928.65Remaining: $ 8, 348.71Cash savings: $ 2,700.00distributed onAuto Loan 1: $ 0.00credit Card: $ 0.00 Student loans: $ 8, 348.71Auto loan 2: $ 0.00vet loans: $ 0.00

View the original article here