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I am not your 'Yes (wo)-Man'

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Earning a little cash back while you shop

Earning a little cash back while you shop

Do you shop online and have a PayPal account?  If you do, and you aren't saving money through a referral site, you are losing money!  I have been a member of BigCrumbs.com for quite some time.  The way it works is that I go to BigCrumbs.com, sign in, and shop through their site.  When I find a store I want to shop from, I click on the store through Big Crumbs and whatever I buy, I make commission on.  Advertisers pay Big Crumbs and Big Crumbs pays me.   If I shop from December 1st - 31st, I will receive a payment on February 15th in my PayPal account.  It's worked out pretty well for me. I've earned $104 so far this year.  Rosemary just joined and has already earned $20 cash back. I'm a CrumbEarner, which means that I earn less on my purchases, but can earn commission on what people buy when they sign up through me.  Rosemary is a Crumb Saver, so she earns more on her purchases!  Either way, its a nice income boost when you have to buy stuff for the holidays (and throughout the year) anyways.  If you'd like to sign up under me, please follow my link and click to sign up/join while you are on that page!

 

 

 

I took the time this morning to type out all of the websites that participate on Big Crumbs.  I'm sure you'll find something of interest there!  Some of the payouts are big too!  If you sign up as a Crumb Saver, because you shop more than you want to refer others, you will make more :)  I know that doesn't help me, but it will help you!

1-800 Contacts

1-800 Flowers.com

123 Inkets

4 Inkjets

6 PM.com

A&E

A1 Books

AccessoryGeeks.com

Adobe

Aeropostale

Aerosoles

Alienware

All-Battery.com

Altrec.com

Animal Den

Aperion Audio

Appetizerstogo.com

Apple Store

Ashford.com

AT&T Wireless

AutoAnything.com

AutoBarn.com

Avenue.com

Avon.com

Babies R Us

BabyCenterStore

Back To Basics Toys

Bagsbuy.com

BallardDesigns.com

Banana Republic

Bare Necessities

Barnes & Nobles

Bass Pro Shop

Beaches

Beauty.com

Bellacor

BestBuy.com

Biblio.com

Big Al's Online

BigDog.com

Birkenstock Central

Blair.com

Blockbuster Total Access

Bloomingdales

BlueFly

Boater's World

BooksAMillion.com

Borders.com

Botanic Choice.com

Bowflex.com

Brooks Brothers.com

Brookstone

Brylane Homes

Buckle.com

Buy.com

BuyCostumes.com

CallowayGolf.com

Calumet Photographic

Cell Phone Shop

Chadwicks

Charlotte Russe

Chefs Catalog

Child Craft

Chocolate Source

Christopher and Banks

CircuitCity.com

Clinique

Coastal Contacts

Coffee For Less

ComfortShoeShop.com

Compact Appliance

CompUSA.com

Computers4Sure

Cooking.com

Costume Craze

CostumeCity.com

Dale and Thomas Popcorn

Danskin

David's Cookies

dELiA's

Dell Home Systems

Designer Shoes.com

Diamond.com

Diapers.com

Dickies.com

Discovery Channel Store

Disney Shopping.com

DogToys.com

dotPhoto

Dr. Leonard's Healthcare

Drive America

Drugstore.com

e.l.f. Cosmetics

Eastbay

eBays

eBay

eCampus.com

EconomyTravel.com

EddieBauer.com

eDiets.com

eDressMe.com

eHarmony

endless.com

Enterprise Rent-A-Car

Entertainment (coupon book)

EntirelyPets.com

Etnies.com

eToys.com

Expedia.com

Fandango

Figleaves.com

Fingerhut.com

Finish Line

Florist.com

Folica.com

FootSmart

Fossil

FrangranceNet.com

FrangranceX.com

Frank Bee Costume

Franklin Covey

Fredericks of Hollywood

FreshPair.com

FTD.com

Fujitsu

GameFly.com

Gap.com

Geeks.com

GiftBasket.com

Gift Certificates.com

GiftTree.com

GNC

GoCard USA

GoDaddy.com

GospelDirect.com

Half.com

Hammacher Schlemmer.com

Havaianas Sandals

HearthSong.com

Heals.com

Hickory Farms

Hilton Grand Vacations Co.

Holabird Sports

HomeDepot.com

Hotels.com

Hotwire

HP

HSN

Ice.com

Identity Direct

Identity Truth

Ink Smile.com

irvsLuggage.com

iTrain.com

iTunes.com

J and R

Jakes Dog House

James Avery

JC Whitney

Jessica London

Joann.com

Jockey.com

Jos. A Bank

Journeys

Journeys Kidz

Just Because Baskets

KBToys.com

Kmart.com

Kodak.com

Kodak Gallery

Kohls.com

LaneBryant.com

LeapsandBounds.com

Lego

Lenovo

Lens.com

Lensmart

LetsTalk.com

Lids.com

Lifelock

Lillian Vernon

Limited Too

Limoges Jewelry

Linens-n-Things

Little Earth

LogoYes.com

Lonely Planet Travel Guides

MacConnnections

MacMall (Apple Retailer)

Macys.com

Magazines.com

Masseys.com

MaxStudio.com

Metrostyle.com

Mikasa

Motherhood

Music123

Musicians Hut

Mwave.com

MyWeddingFavors.com

Nero Software

New York & Company

NewEgg.com

New Egg Mall

Nickolodeon Shop

Nirvana.com

NothingButSoftware.com

OfficeDepot

Office Max

Old Navy

Omaha Steaks

One Stop Plus

Oneida Flatware

OneShare.com

OneStepAhead.com

Orbitz.com

Oriental Trading Company

Orvis

Overstock.com

Pacsun.com

PajamaGram

Paragon Sprots

Paul Fredrick MenStyle

PC Connections

PC Tools

PC Universe

PC Rush

PeaPod

Peet's Coffee and Tea

Perfect Match.com

PersonalizationMall.com

PetCareRx.com

Petco.com

Petite Sophisticate

Petsmart.com

Pfaltzgraff.com

Piperlime

PlanetShoes.com

Plow & Hearth

PopCap Games

Potpourri Group

Priceline.com

Princeton Watches

ProBoards Shop

QuickBooks

Quicken

Quill

Rail Europe

RazorGator

RedOctane.com

REI

Relax The Back

Restaurant.com

Ritz Camera

Roaman's

Ross-Simons

Roxio

Rugman.com

Safeway.com

Saks Fifth Avenue

Sandals

Sears.com

Second Act

Sephora

SharperImage.com

ShiekhShoes.com

ShindigZ

Shoebuy.com

ShoeMall.com

Shoes.com

Shopbop.com

Shop.com

Shoplet.com

ShopNBC.com

Shutterfly.com

Silhouettes.com

SitterCity.com

Skechers.com

SmartBargains.com

Snapfish.com

SoftSurroundings.com

Sony.com

Southwest Vacations

Spencer's Gifts

Ssense.com

Staples.com

Steve Madden

StubHub.com

StylinOnline.com

Symantec

T-Mobile.com

Target.com

Tech Depot

Teleflora

The Golf Warehouse.com

The Home Marketplace

The House

The Land of Nod

The Popcorn Factory

The Walking Company

ThinkGeek.com

Tick.com

TicketsNow.com

TigerDirect.com

Timberland

TomTom

Toys R Us

TracFone

Travelocity

Ulta.com

UnbeatableSale.com

UncommonGoods.com

Uniform City

Unique Home Store

USOutdoor.com

Verizon.com

VisionDirect.com

VistaPrint.com

VitaminShoppe

VitaPals.com

Vons.com

Walmart.com

Watchzone.com

Web.com

Weight Watchers

Wet Seal

WhiteSmoke.com

Wine Enthusiast.com

Wine.com

Woman Within

Woolrich.com

WuWearShoes.com

YahooGames.com

Yahoo! Merchant Solutions

Yahoo! Personals

Yahoo! Search Marketing

Yahoo! Web Hosting

Yoga Accessories.com

Yoox.com

Zappos.com

zChocolat.com

Zinios Digital Magazines

 

If you don't want to join Big Crumbs, you can still shop through my link and help me out at the same time :)

 


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Punched for breaking a crayon

Punched for breaking a crayon

Art teacher, David Adam Grant, of Ft. Lauderdale, Florida shook and punched an 8 year old student from his art class after the boy tried to return a crayon that had broken. 

When will the madness end?  What have our once-respectable teachers turned into?  When I was in school, I would have never feared a teacher over a broken crayon - maybe mouthing off - but not a broken crayon.  In my opinion, the education system is totally turned upside down.  We have students being hit by teachers, students molested by teachers, students used as teacher's dates, students given drugs and alcohol by teachers......We're not even going to mention the political bias shoved down student's throats during the election season.

Sending your kids to school has got to be a pretty darn scary idea.  You would almost have to run your own background check on the teacher and give him/her a temperment test at the same time. 

I think teachers should be required to undergo psychological evaluation once every 6 months.  I don't think that all teachers are bad (or even most of them) but I am sure that the job can get very stressful and having someone to talk to would be helpful. 

 


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Wrapping up November and Kudos to some Great Bloggers!

Wrapping up November and Kudos to some Great Bloggers!

I would like to take just a moment to thank all of my visitors on this page.  As of today, I have received 800 page hits this month!  That is a monumental change in the amount of hits that I normally receive. 

I will continue to offer a variety of interesting blog articles that will get you thinking and talking!  I invite you to respond to each article with your opinions - don't keep silent :)  I want to hear what you have to say.

This month, I wrote on some very controversial topics and some brave folks decided to chime in and give their 2 cents!  I say, "Keep 'em coming!" Surely, I am not the only one out there who thinks the way that I think! 

At this time, I'd also like to draw attention to some great bloggers out there:

MamaBear - who writes about her family, in particular, her son with autism.

Tammy's Tips - Great, Great, Great ideas on how to save and make money in tight times!

Rosemary - Our lead political contributor (and my dear friend).  She will be offering quite a deal on the new Administration.

SoulsCompanion - Who always brings warmth to my heart.

...and

LaurieBoris - who will bring you back down to earth with her great tips on health and wellness.


If I haven't mentioned you here - don't fret! I really do enjoy the writings of so many here on PNN.  If you'd like me to come see your page, drop me a line here and I'll stop in :)

As we get ready to dive into December, you will see my page light up with many goodies of all types.  I hope you'll drop in from time to time to see whats on my mind!



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Kid Stories to Warm your Heart

Kid Stories to Warm your Heart

Crayon Marks wrote a story about her son and his class mascot coming to stay at her house for a week.  That inspired me to write a little bit about my experiences with my nephew, Anthony.  Kids, indeed, do the darndest things.

A few months ago, I had bought Anthony the train car named Molly from the Thomas Line.  I had put Anthony in his car seat in the car but hadn't buckled him up yet.  It takes a few minutes for him to calm down enough to be buckled in, so I took the time open up the trunk and show my sister, Liz, the Molly train.  Mind you, when the trunk open, there is only a small sliver of space between the opening that anyone from the back seat could use to see what was going on behind the car.  Well, I finally get to the backseat and buckle Anthony into his carseat.  As my sister was kissing him goodbye, he said, "Aunt Wendy has Molly in the back".  Because I couldn't lie to him, I had to admit that I did have Molly in the trunk.  I ended up giving him Molly.  Now, anytime he wants something, he thinks its in the trunk of Aunt Wendy's car!

Around the same time as the Molly incident, I had picked Anthony up from day care to spend the afternoon with him.  Our visits normally include a trip to Chuck E Cheese or an old fashioned diner named Berts.  On this particular day, we chose Berts.  At dinner, he had a grilled cheese sandwich and some potato chips.  After dinner, he got his Superman Ice Cream, which is multi-colored ice cream.  When we got home, I was changing his diaper when my sister came in the room.  She nuzzled up to his face and asked, "Did you have a good time with Aunt Wendy, what did you have for dinner?"  Before I could change the conversation, Anthony blurted out, "I had chips, and cheese, and a ice cream"!  Liz looked at me as if Anthony had just snitched me out.  Needless to say, that was the last time I took Anthony to dinner without incorporating broccolli or some other vegetable into the meal!

I know that I bring a lot of the spoiling upon myself, but two weeks ago, I had the tables turned on me.  Anthony loves Bob the Builder.  For any of you who have kids who are both aged 10 and 3, you will remember that Bob the Builder was popular back when your 10 year old was 3 years old.  This is not the case anymore!  Sure, Bob the Builder is on tv, but HIT Entertainment has made sure that they don't make any more Bob the Builder toys available to the general public.  Liz tried to get him some Bob the Builder toys but she couldn't find any.  So, she said, "Maybe your Aunt Wendy will get you some".  That put me on the hook!  When I came for my visit, Anthony immediately asked if Bob was in the trunk.   We spent 3 hours searching every store for Bob the Builder stuff and only came home with a $4 DVD.  I had to buy him a Handy Manny toy just to keep him pacified.  I ended up buying him some Bob the Builder toys on eBay (most of them used), but he was nonetheless thrilled to have them!

I am embarassed to say that when we go to Chuck E Cheese, there is a steep competition to see who can play more games.  Anthony calls the Tokens "His Money" and returns to me after each game to get more of his money.  He does the same thing with my bank card when we have to go to Walmart together.

Anthony isn't all spoiled, he's also very kind and empathetic.  When I go to Walmart, he helps me to load the cat food into the cart, can by can.  He always asks if he can get his dog, Biscuit, a treat.  In that case, we usually buy her some cans of Sheba dog food (he picks by the color of the can).  He is always looking for a way to help.  One day at BJ's (a store like Sam's Club), he saw a box of diapers in the aisle and wrestled the box all the way back to its spot in those little arms of his.  He always picks up after himself and will stop whatever he's doing if he hears "I need help".

In a way, I'm glad to be spoiling Anthony.  I am fairly certain that he's the one who will take care of me when I'm 80.  Perhaps, by that point, he can become my human ATM :)

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bushobama

School Update

School Update

I am slowly working myself to the end of a very frustrating semester.  We have a little over 2 weeks left and finals will be here soon.  I am taking an incomplete in my hardest class so that I can have some time when my head isn't in a "central hypothyroidism" fog, but will be completing the other class on time.  The final exam in the class that I am going to complete late is a computerized assessment with 33 questions on it.  I need to get every single one of those questions right in order to pull off a B in the class.  Fortunately, you can start and stop the test at will.  While you can't go back and amend answers, it does give for more time to consider the proper answer.

All I have to say is that when grad school is over, it may really be O-V-E-R for me.  I am so burnt out on going to school.  If there is a Ph.D. in my future, it is a long ways away!  I just can't feel the prestige of a Doctorate deep in my bones right now!

As soon as school is over, I am going to pursue some specialized tests that will be able to tell me if my illness is getting better or worse - or about the same.  I just can't handle the stress of knowing what those results would be right now.


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Bearack Obama
Bearack Obama

The "New Comfort Zone" Revolution!

The "New Comfort Zone" Revolution!

...its so en vogue right now!

I hope it stays that way! 

A few months ago, I issued a warning to my readers about the current state of the economy.  About a month after my warning, the doo-doo hit the fan!  I hope that my readers were at least taking to heart what I was saying but more than anything, I hope that I take to heart what I was saying!

I want to echo the though fact that wasteful spending is OUT and frugality is IN.  This darn-near Depression is horrible, jobs are lost, homes are lost, people around the world have had their lives wrecked.  But we don't have to think about all of this as bad.  Aside from certain discomforts such as losing a job or a home, we don't have to let us defeat us.  We can be just as happy was we were before by creating a new comfort zone - and that can be done by accepting frugality as our new comfort zone.

I'm sure everyone here has gotten a Boycott email about certain gas stations.  We were told not to go to certain gas stations for a certain amount of days.  The thought of a gas boycott was good, except for the fact that if you didn't buy gas on Tuesday because you were boycotting the stations on Tuesday, you would eventually buy the gas on Wednesday, Thursday, or Friday.  Fortunately, not everything in life is as vital as gasoline to get us to and from work or school.  Most of the things we have, we don't really need.          

For example:

Unless you are running a sports bar in your living room, you don't need that 60" plasma tv. We probably don't need unlimited texting.  It is okay to get emails five times a day - really!  And here's one for the ladies....freshening wipes for the bathroom.  News Flash:  Baby wipes work just as well and the generic brands cost half the price. 

We probably don't need many of the things that we have been led to believe that we need.  Retailers know that we are on to their game and are trying to protect themselves from the frugal-revolution by packaging goods into almost irresistable deals.  We can learn to recognize these games and avoid them.  If we can't avoid them, we can try to resist the products until the prices come down.  Unlike gasoline, retailers know that they have one of two choices for most items on store shelves - buy them or leave them there!  Retailers already know what we want and what we need.  We just have to figure that out ourselves!

If you are an impulse buyer (like I tend to be), try this tip out.  If you see something you want, imagine that the price is $2 higher than the price on the shelf.  If you would still pay that much for the item, you may need that item more than you want that item (mind you, it may be an emotional need, but you feel that you need it).  If you decide that a bag of Doritos isn't worth $6 (the price plus $2) - you didn't need them anyways, you wanted them!  Retailers don't want us to think that way, they want to keep prices "slightly within our reach", but still at a breath-taking profit to them.  This is why they get away with offering us a $.25 coupon on a $7 item.  Aside from artificial satistfaction, there is no glory in paying $6.75 for an item that is normally $7 when it only cost $.50 to get it to the store shelf!  If it takes the anger of knowing that the retailer is making a profit sometimes in the range of 900% on your purchase to get you to stop and think about what you are buying, then you're on your way to a better self!

Now, lets focus on some basic money saving tips:

- If you have to buy it on a credit card, you don't really have the money.  You have the bank's money and soon they will have that money back plus more of your money.

- If you walk past a dime on the street and don't pick it up, its either because you have a germ phobia or because you don't want to get 20% of the price of a gallon of gas for free.  And lets just face it, if you'd clip a coupon for $.25 off of a $7 item, passing up on a dime would just be ridiculous!

- If you're clipping coupons for stuff that you would never buy, you're not saving, you're spending - and its money that you didn't even think about spending.

- No prepackaged food ever tastes as good as the packaging would like you believe that it is.  Frozen mac and cheese is not yummy and canned mac and cheese just isn't natural!  If you're going to buy that stuff, remember to swirl it around in your mouth for a while before you swallow - just to get the full effect :)

In conclusion, I say, "Hurray for the Frugality Revolution".  Getting back to the basics can really help us to find out who we are.  We don't need the government or retailers to tell us who we are and we don't need to have another Great Depression.  You can be a winner in a battle of survival of the fittest by getting a head-start on the financial basics by becoming frugal before you are forced into frugality.



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Is the White-Way the Right Way?

Is the White-Way the Right Way?

Today, I would like to talk about race.

No!  Don't run and hide, I'm only going to talk about my perspective as a white girl.  You can add your input if you want. 

My current job (until I graduate) involves entering phone orders for door-to-door sales reps.  It's a crappy job, but for now, its a job that is marginally paying the bills and giving me subpar health coverage.

I work very close to Washington D.C.  In my office, I am the only white person out of 30 people.  There is one Asian girl, 4 Latinos, and the rest of the people in my office are black.  Since the Asian girl sits in a secluded area in the office, I am the "lonely only" of my race in the room.  Even if the Asian girl sat in the center of the room, the attention on her wouldn't be half as strong as it is on me.  There is a classic level of "acceptance" in the fact that whites and blacks are very different from one another in many ways.

Some days, being in this office is very difficult.  I wasn't there the day of the Election, but the following day that I was there, a very mouthy girl - probably age 26 - made sure to rub it in my face that a black man had won the Presidency.  She then went on to tell the whole group how she couldn't wait for Barack to send out "her check".  Her totally ignorant statement really showed the entitled side of humanity that I am sick and tired of seeing.  It didn't help for me to see through my bright blue eyes the fact that she was black.  After I was done puking from her statement, I did note that none of the other black people in the office said anything to me.  Yes, there was a lot of Pre-Election bravado, but it was very guarded and it is still guarded.  I tend to think the older adults who do this work part-time are being respectful of me and my passion for the losing candidate.  So, where does that leave me?  The obnoxious black girl, who is constantly offending people, really made me despise black people for the color of their skin and not who they were as a people.  But then, the other part of me remembers the majority of the black people in my office who said nothing to me - despite their elation over the election of Barack Obama.  I appreciate the respect of the majority of my black co-workers. 

From that extreme, we move over to the other ways that black people in my office handle the racial gap.  All of the black guys that I deal have their own unique way of dealing with me - some better than others.

My favorite guy is named Tony.  He's about 6'5" skinny as a rail, middle-aged.  He calls me his "Favorite white woman".  Whatever that may mean, I appreciate it because at least he says what everyone else is thinking...that I'm different!  Tony calls me his "favorite white woman" and I call him "Big Daddy".  We have fun with it and it really breaks up the tension.  When I'm talking to him, I don't have to worry about him judging me or thinking things behind is back because he's so animated that he simply says what he is thinking.  Maybe Tony is being 100% sexual when he says I'm his favorite white woman, but he still makes me comfortable, and included.  The only shame is that he isn't in the office every day and none of the three guys that I will refer to here are.

Joe, from the same group that Tony works in, treats me like he's my big brother.  Unlike Tony's flamboyance, Joe is pretty down-to-earth and you can't talk to him without having to use cartoon characters as parallels.  If there is something really bothering me, I can tell Joe.  He may not do a darn thing about it, but he will at least listen and tell me what he thinks.

Another guy is Donnell.  Donnell is like my protector.  There are some pretty offensive guys on Donnell's team and when they cross the line, he takes them on for me.

Believe me, the list could go on and on....needless to say, all of the guys that I work with are different!  When I put it in that perspective, those who are able to cross the racial barrier to be my friend make my job a little easier.

On my inner-office team, half of the black girls are single mothers with no education and the other half have no more than one child and are actively pursuing their educations.  I am like the latter.  I have no children and I am almost finished my Masters degree.  When I have a free moment at work, I do my homework.  I see the black single mothers on my team checking out black entertainment sites online all day and I wonder if they know how important an education will be for them in the very near future.  My "white self" has been trying to probe them for the reason that they won't go to school.  While I don't say it outloud, I am thinking "You could go to school for free while I had to pay for every penny of my education - and yet, you still won't go".  Up until a week ago, when our insurance carrier changed and made us all really hate our jobs, I bet they were all thinking "Why is she judging us?" 

Last week, when the HMO take-over happened, I found out that now these same girls are all going to try to get into community college in the spring.  They want more opportunities.  I'm very happy for them, but I still have my apprehensions because I am almost done and they are just starting.  Will they think that I am better than them because I have painfully travelled this far?  Will they appreciate me for all of my hard work and now understand how hard that work has been?  Do they see my point about the value of an education now?  Do I have a right to even ask these questions to myself?  Am I allowed to be angry that they will get free educations and probably get some benefits from Affirmative Action that I would never have access to?  Is any or all of this wrong of me? 

Moving on - I think that its good that Barack Obama is making statments about certain racial issues.  While I don't believe that we will ever be one race - the human race - I am encouraged by his speech and mannerisms because maybe they will set a good example for the obnoxious girl in my office.  Then again, am I right to even want this?  Most of Barack's refined behaviors mirror "white mannerisms".  Anyone who wants to contest that needs to look around them.  Barack is trying to do the same thing that Bill Cosby is trying to do.  So, if Barack Obama and Bill Cosby are both urging black people to raise their standards, be more professional, and earn instead of asking - why do I feel guilty for applauding these instructions?

Why do I feel like the white way is the right way?  Why do I feel like blacks should assimilate instead of me assimilating to them?  Do I have the right to ask these things?  Do black people feel the same about white people as I feel about them?  Moreover, I have fun with Tony, Joe, and Donnell, but I wouldn't want to live in their worlds all of the time.  Without these guys and a few others, I am not comfortable in my own skin at work.  There has been a great deal of tip-toeing and attacking going on as well - none of which I can exactly attribute to race, although I suspect it plays a key role.  So, where do I fit in?

To those of you who have actually read all of this, I'd like some feedback.  If you are black, I welcome your feedback on my perspective.  Tell me how you feel about this!


Thanks!



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Just take the polls!

Just take the polls!

Don't be boring - Take my daggone polls.  I didn't put them up their for my amusement only!  They are very timely ---- plus I want to know what you're thinking.  Well, I don't want to know what YOU specifically are thinking (the poll doesn't tell me who you are)...but I'm still curious.

The upside is that there isn't a spot on the White House job application that asked if you answered one of Wendy's polls.  Granted, there may be a question that would disqualify you for visiting my page - but not just for taking the poll!


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Now you see it - Now you don't - now you do!

Now you see it - Now you don't - now you do!

That's right, baby, layaway may be back

Back in 2006, (before most of us in the real world knew that the sky was going to come falling down on our heads), Walmart, the ultimate haven of long layaway lines got rid of their program.  I guess we can't much blame them for this as they probably thought everyone had credit since homes were being given away to anyone who asked for one.  Needless to say, the advantage of having layaway programs is back.  K-Mart is really pushing layaway and with any luck, Walmart will soon follow suit. Just for those who are interested, you can also layaway a nose-job or a vacation.  Just have to look in the right places! 

I think that layaway is a really good thing for America and I would like to see it come back.  Not so much for the purposes of indulging in more materialism but reminding those of us who have lived in the "microwave generation" that it is okay to wait for things to come to us.  Not only is not taking that plasma tv home from the store that day good for the soul, waiting in that layaway line to put the plasma on an account will make us think about whether or not we really want it!

So, what do you think about a possible resurgence of the layaway program? Let me know!


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Storm does not want me to go to my study group!!!!
Storm does not want me to go to my study group!!!!
backseat-drivers
Maternal Relatives, Circa 1920
Maternal Relatives, Circa 1920

Maxxed out - and I didn't even feel a thing...

Maxxed out - and I didn't even feel a thing...

Talk about the fleecing of America - recently, myself and many of my friends with great credit have been having their credit card limits lowered to their current balance.  I had 2 of my own cards, owned by GE Money Bank lowered to their current balances.  Never mind you, that these cards were holding a 15% balance at the time that they lowered them.

There is a huge problem with lowering the credit limit on a credit card.  Not only does it impede the card-holder from making any emergency purchases, but