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Post subject:
 Posted: Jun 20, 2009 - 03:07 AM
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Member
Joined: Oct 24, 2002
Posts: 7910
Location: New Jersey USA
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| Quote: |
I have always done this . It is a great disipline. The only one of my kids that didnt follow my teaching, was a see it, want it, buy it. and now she is in terrible financial trouble, IN the US.
Not Cheap at all. just very wise:)
Daisy  |
That's too bad about your daughter Daisy, and thank you for the compliment.
My oldest was getting like that, so I forced her to get a job a few months back and start paying for her own stuff. I think it's working. Now when she goes shopping, she calculates how many hours of work it takes to pay for something, and I've noticed the overindulging has stopped.
For me, there's 2 things I spend money on, music (CD's) and lessons. Every other week when I get paid, I buy myself a few new CD's. Our Barnes & Noble has great blues/jazz/cajun section, and that's a passion. When I really want to go overboard I go into NYC to J&R Music world, three stories of every kind of music. That's only once or twice a year.
I also pay my piano teacher, but that's a must. The piano is how I unwind.
My dream job (someday when I retire) is to be that old guy that plays piano in the lobby of the hotel bar.....  |
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Not an eye for an eye is the golden rule
Just leaves a room full of blind men...DMB
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Post subject:
Posted: Jun 20, 2009 - 03:10 AM
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Joined: Oct 24, 2002
Posts: 7910
Location: New Jersey USA
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| rdb wrote: | I remember something about an organization that takes bikes and gets them to kids.
If you don't mind telling me what town/city you live in, I could do some checking. I wouldn't just give those to any organization that helps the poor- some of them take the better stuff and sell it for a profit (which doesn't usually trickle down to the people they're supposed to be helping). |
If you wouldn't mind doing that, it would be great.
I live in the Mount Tabor/Denville area, Morris County, NJ.
Thanks! |
_________________
Not an eye for an eye is the golden rule
Just leaves a room full of blind men...DMB
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Post subject:
Posted: Jun 20, 2009 - 03:45 AM
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Member
Joined: Feb 12, 2005
Posts: 14133
Location: Your daily life is your temple and your religion. Kahil Gibran
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As a rule, I make most of my clothes. I do have a few store outfits that were B'day or Christmas gifts.
I have never been too keen on watching the latest fashions. I figure those designers don't know me from Adam (or perhaps I should say Eve). Why would I want to wear something with their name on the label? Plus they probably wouldn't give me the time of day. I just figure they are after someone else's money, not mine. |
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shatrules |
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Post subject:
Posted: Jun 20, 2009 - 06:27 PM
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Joined: Oct 24, 2005
Posts: 1044
Status: Offline
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| I remember as a child,my late mother would buy me clothes and toys that I wanted only for certain occasions such as holiday gifts and birthdays.All through my teens,I was still small(not skinny small) and my sister would give me her clothes that she doesn't use anymore,and my mother would bring clothes that rich people(whom she'd worked for so we can get a green card in NJ) would pass over.I would wear them to school,to church or wherever with pride.They were good,some of them expensive(from those same rich folks)and it was a style that no one in school had.But I was not making a fashion statement,mind you,and I was grateful.As a dual-citizen adult,I am now able to shop for my own clothes:when I was working and right now,when I'm not.I buy what I needed,and that includes food.Although it is rough most of time,I reached my state of contentment.You live and learn and I agree with you,guys about being thankful.Peace and God bless America! |
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Post subject:
Posted: Jun 20, 2009 - 09:15 PM
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Joined: Oct 24, 2002
Posts: 7910
Location: New Jersey USA
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| What country are you from Shatrules? |
_________________
Not an eye for an eye is the golden rule
Just leaves a room full of blind men...DMB
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shatrules |
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Post subject:
Posted: Jun 20, 2009 - 10:20 PM
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Joined: Oct 24, 2005
Posts: 1044
Status: Offline
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Trinidad| CaptJTK wrote: | | What country are you from Shatrules? |
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Post subject:
Posted: Jun 21, 2009 - 01:17 AM
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Member
Joined: Feb 12, 2003
Posts: 7746
Location: NSW -Australia
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| CaptJTK wrote: | | Quote: |
I have always done this . It is a great disipline. The only one of my kids that didnt follow my teaching, was a see it, want it, buy it. and now she is in terrible financial trouble, IN the US.
Not Cheap at all. just very wise:)
Daisy |
That's too bad about your daughter Daisy, and thank you for the compliment.
My oldest was getting like that, so I forced her to get a job a few months back and start paying for her own stuff. I think it's working. Now when she goes shopping, she calculates how many hours of work it takes to pay for something, and I've noticed the overindulging has stopped.
For me, there's 2 things I spend money on, music (CD's) and lessons. Every other week when I get paid, I buy myself a few new CD's. Our Barnes & Noble has great blues/jazz/cajun section, and that's a passion. When I really want to go overboard I go into NYC to J&R Music world, three stories of every kind of music. That's only once or twice a year.
I also pay my piano teacher, but that's a must. The piano is how I unwind.
My dream job (someday when I retire) is to be that old guy that plays piano in the lobby of the hotel bar..... |
From what I read in here you seem to have great kids as I said. and these days it is so tough being a parent. so many temptations out there.
You know I have always done that. How many hours did my son and daughter in law have to work. and "often" pulled up my grand children with this. Like! you do realise your Mum has to work X number of days just for whatever:) Kind of went over their heads. But when they got jobs at Woolworth they began to manage money well. so in the end the teaching works, just hang in there . And now my two grand kids are in The Navy and The air Force.
Glad you found the washing BTW I can just see you at that piano, in the future:)
Daisy |
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Post subject:
Posted: Jun 21, 2009 - 03:10 AM
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Joined: Nov 08, 2002
Posts: 17681
Location: Upstate New York
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IBM has layed off hundreds here in New York of late... and there are no jobs to replace their incomes....
Sad state of affairs... to be sure.... 
D
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_________________
 Rest Easy...The Icon Above is an: ALBINO VULCAN....Yellow...Red Eyed...Bald...Pointed Ears...and....[Dramatic Pause]...Smiling!!!
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Post subject:
Posted: Jun 21, 2009 - 03:38 AM
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Joined: Sep 18, 2004
Posts: 7329
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| windslipper wrote: | IBM has layed off hundreds here in New York of late... and there are no jobs to replace their incomes....
Sad state of affairs... to be sure....
D
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It's the same here. I keep hearing about how the economy is turning around, but every time I turn on the news, another company is going down. There are dozens of empty buildings indicating lost jobs, just in our area. Our clients and customers are going under. I've never seen anything like this.  |
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Post subject:
Posted: Jun 22, 2009 - 05:13 AM
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Member
Joined: Oct 26, 2002
Posts: 1855
Location: Toledo, Ohio, USA
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| Cat wrote: | | windslipper wrote: | IBM has layed off hundreds here in New York of late... and there are no jobs to replace their incomes....
Sad state of affairs... to be sure....
D
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It's the same here. I keep hearing about how the economy is turning around, but every time I turn on the news, another company is going down. There are dozens of empty buildings indicating lost jobs, just in our area. Our clients and customers are going under. I've never seen anything like this. |
Same in this area. We'vs been mostly auto manufacturing for the last several decades. Now, everyone is getting laid-off (temporary and "permanent"). My uncle worked for the local Chevy plant for 23 yrs. He is now one of the "until further notice" layoffs. He gets unemployment, but is further in debt now than he ever was. (Of course, paying for everything for your adult children doesn't help either--but they finally stopped doing that) |
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"I've hardly seen you at all this episode" -- Denny Crane
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Post subject:
Posted: Jun 22, 2009 - 04:55 PM
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Joined: Nov 08, 2002
Posts: 17681
Location: Upstate New York
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What we need is a bunch of Edith Keelers...
D
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_________________
Rest Easy...The Icon Above is an: ALBINO VULCAN....Yellow...Red Eyed...Bald...Pointed Ears...and....[Dramatic Pause]...Smiling!!!
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Post subject:
Posted: Jun 22, 2009 - 08:07 PM
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Member
Joined: Feb 12, 2005
Posts: 14133
Location: Your daily life is your temple and your religion. Kahil Gibran
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| I have been researching the Great Depression and all the things people did to stretch every dollar they had. As careful as I am with a budget, I can already see some areas that could be improved. |
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Post subject:
Posted: Jun 23, 2009 - 06:16 PM
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Joined: Nov 08, 2002
Posts: 17681
Location: Upstate New York
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We are all forced to "Tighten our belts."
As long as we have our health and our Loved ones we shall persevere!
D
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_________________
Rest Easy...The Icon Above is an: ALBINO VULCAN....Yellow...Red Eyed...Bald...Pointed Ears...and....[Dramatic Pause]...Smiling!!!
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Post subject:
Posted: Jun 24, 2009 - 03:13 AM
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Member
Joined: Dec 08, 2008
Posts: 77
Location: City on the Edge of Forever
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My husband's been unemployed since mid-February, and I haven't been able to work - for health reasons - for the last 3 years.
We now live on about a quarter of what our income was in January. If it weren't for food banks and pantries, and the Grace of God, and the kindness of other people, we'd be starved dead already.
WE were lucky. How many other people do you know who have enough money put away to cover ALL of their living expenses for 8 weeks before even Unemployment was granted and paid? How many people can live for 8 weeks on ZERO income ... and not lose car, home, etc? We spent most of the rest of what we had invested (that hadn't been lost in the bad economy during 2008) either paying off or divesting ourselves of bills and expenses that we could. And still -- hubby and I don't get surgery when he or I need it, now... nor meds... nor do our beloved critters always get their meds.
The week before last, I had to make a choice: Food for us for a few days or daily medication for my oldest dog (who's 15+ years old and deserves a comfortable old age)?
My dog got his medication. We ate a few cans of dog food, which we replaced as soon as we had some money. I've been living without my Tramadol for 11 days now. If I don't find some way to get some pain relief soon... well, never mind. Nobody likes to hear someone else's whining.
The economy is not yet getting any better... not here in the metropolitan-NYC area, anyhow. |
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Post subject:
Posted: Jun 24, 2009 - 08:27 PM
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Joined: Nov 08, 2002
Posts: 17681
Location: Upstate New York
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Here in upstate NY the economy continues to worsen every day...
Families and Children without food is becoming a reality for many...and welfare etc. is getting harder and harder to qualify for....
One can only imagine what the future may bring...
Dan |
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rdb |
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Post subject:
Posted: Jun 24, 2009 - 09:56 PM
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Joined: Oct 13, 2005
Posts: 1745
Location: Lakeland Florida
Status: Offline
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While the top .5% of the country are getting richer by the minute...
I think it's excessive when the top dog of a company makes between 400 and 1000 TIMES the lowest paid (or in some cases the average paid) person's income. They lay off several of the lowest paid people and think they're cutting corners. They cut people's pay- and reduce the top person's pay by a pittance (if they don't find some way to raise it).
Oh, and the taxes don't go down- or go up for everyone below the median income.
(Oh, that's right- they're user fees and so on - not taxes. Riiighht!!!)
Meanwhile all those jobs that we're needing are being shipped to places where they can convince the locals to work for pennies a day in sweathouse conditions without any benefits.
And when we complain and talk about "living wages", they say they can't make a profit! (RIGHT- many countries around the world have a living wage and their owners don't charge more- and are still making a profit!) |
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Post subject:
Posted: Jun 24, 2009 - 11:19 PM
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Member
Joined: Oct 24, 2002
Posts: 7910
Location: New Jersey USA
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| windslipper wrote: | Here in upstate NY the economy continues to worsen every day...
Families and Children without food is becoming a reality for many...and welfare etc. is getting harder and harder to qualify for....
One can only imagine what the future may bring...
Dan |
Jersey's not faring much better. I just noticed on my way home tonight how many empty houses there are in my neighborhood. For sale signs everywhere.
You gotta wonder where those people went......
Sad state of affairs. |
_________________
Not an eye for an eye is the golden rule
Just leaves a room full of blind men...DMB
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Post subject:
Posted: Jun 24, 2009 - 11:57 PM
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Joined: Sep 18, 2005
Posts: 4619
Location: Ottawa, Canada
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CITIGROUP which received $45 BILLION U.S. tax payer dollars to keep it from collapsing, is going to raise base salaries for traders and fund managers by as much as 50%, to compensate for the loss of performance bonuses. Is anyone feeling buyers remorse yet?
N |
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Post subject:
Posted: Jun 25, 2009 - 12:31 AM
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Joined: Dec 08, 2008
Posts: 77
Location: City on the Edge of Forever
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| CaptJTK wrote: | | windslipper wrote: | | Here in upstate NY the economy continues to worsen every day...<BR>Families and Children without food is becoming a reality for many...and welfare etc. is getting harder and harder to qualify for....<BR>One can o­nly imagine what the future may bring...<BR><BR>Dan |
<BR><BR>Jersey's not faring much better. I just noticed o­n my way home tonight how many empty houses there are in my neighborhood. For sale signs everywhere. You gotta wonder where those people went......
Sad state of affairs. |
It sure isn't, CaptJTK. I'm in Essex county. What part of Jersey are you from?
(no need to get too personal if you're uncomfortable to say exactly - county is fine... or even just "north", "central", "south", "down the shore", etc)
Our county has one of the highest property taxe rates in the nation, I just heard recently. We're becoming a ghost town here... less than 15 minutes into midtown Manhattan on the Midtown Direct train - but so many empty houses that it's starting to noticeably become a ghost town here. New Yorkers moved here for the 'better bargain' on real estate, but now that they've lost their jobs in NYC and there aren't any jobs here either - they're losing their homes... which are remaining vacant long enough for desperate people to break into them at night and strip them of ALL electrical wiring and plumbing copper and fixtures and window panes, and once that happens no one will buy and the town is just waiting for many to fall down enough to be demolished. It's terrifying to watch. What's my house gonna be worth in another 6 months, or a year, when it's one of the only few left that's inhabited?
A 2-sq-mile city with a population of nearly 40,000 ..... and it's fast becoming a Wasteland. Soon, we're beginning to fear, it'll be just like the parts of Newark that never were rebuilt after the 1967 riots -- just open fields in the middle of one of the larges urban areas in our nation! |
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dlvlady44 |
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Post subject:
Posted: Jun 25, 2009 - 01:47 AM
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Joined: May 19, 2007
Posts: 153
Status: Offline
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| I hate to say it - but wasn't all that stimulus money supposed to make everything wonderful again? No jobs out here in Vegas either. I am only working because I have been at the same hotel for 10 years - seniority. Nevada has the highest forclosure rate in the country also I heard. Not good at all. I am sorry for all that are hurting over this. Hope things start to turn around soon. |
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Post subject:
Posted: Jun 25, 2009 - 02:13 AM
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Joined: Sep 18, 2004
Posts: 7329
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I'd like to know where all those trillions of dollars are going. They certainly aren't going to education. They aren't going to local government. They aren't being spent around here on road improvement, or any other public projects.
I'd like to see the bank accounts of some of the special interest groups that helped elect the current administration. Perhaps a wee bit o' money somehow "mistakenly" wound up there?  |
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Post subject:
Posted: Jun 25, 2009 - 02:58 AM
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Member
Joined: Oct 24, 2002
Posts: 7910
Location: New Jersey USA
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Hey Stephanie,
Morris County here, and yea, it's appalling. We're an hour out on the midtown direct. They even put the high-low cars on the line and there's nobody on the trains. Everyone's out of work.
My brother was out for about 6 months last year, finally found a job, got married in the first week of May this year, came back from his honeymoon and was told to clear out. He was let go.
You gotta wonder how those people up in Bergen county are fairing, in Alpine, those mansions......poor bastards.
We have something in common, besides being from Jersey.
My given name is Stephen, Steve for short.  |
_________________
Not an eye for an eye is the golden rule
Just leaves a room full of blind men...DMB
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ASB |
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Post subject:
Posted: Jun 25, 2009 - 04:11 AM
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Member
Joined: Oct 13, 2003
Posts: 1754
Location: Country NSW
Status: Offline
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The good thing to come out of an economic downturn is all the inefficient businesses close and the efficient ones remain, once things improve the stronger businesses grow to fill the void taken up previously by the failed companies, the end result is a far stronger economy.
Unfortunatly this cycle happens to some degree every thirty years.
BTW did I mention Australia decided not to join the recession.
I really feel for you guys my sister in OK is doing it very tough, I am almost embarased to tell her we are going to Japan again next holiday. |
_________________
When Hell Freezes Over I'll Ski There Too
E=M'Ski Squared.
Ausi Ski Bum (ASB)
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Post subject:
Posted: Jun 25, 2009 - 04:21 AM
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Member
Joined: Aug 30, 2005
Posts: 16105
Location: Jaw Jah
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Here is the problem  Yes, I was an Economics major
The Economy runs in cycles, upswings and downturns, it's
the natural order of things...
But some adviser walks into the Oval and says 
OMG MR. President, we may have some inflation or unemployment
Well, being a politican, and PREZ, he thinks he has to act. He will tweak the Fed....etc
In the end what we get, instead of a lot of small bumps in the Economy,
like is supposed to happen, is one giant bump due to all the
Government meddling
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Post subject:
Posted: Jun 25, 2009 - 02:32 PM
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Member
Joined: Oct 13, 2003
Posts: 1754
Location: Country NSW
Status: Offline
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Actually this mess was caused by lack of meddling Gorman, to much attention given to the issues out of the country to notice the melt down happening at home. Sub prime was a disaster waiting to happen and boy it happened didn't it.
You have to wonder what the people in the finance positions were doing for the past 10 years.
Nothing could have stopped this recession once it started but at least world wide action seems to have prevented it becoming a depression, the US will take years to dig out of this whole, I hope you all have the means to ensure your homes and families are safe. |
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When Hell Freezes Over I'll Ski There Too
E=M'Ski Squared.
Ausi Ski Bum (ASB)
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