iloveoldmagazines
iloveoldmagazines:

Orange Coast
1980 Vol. 6, No. 6

Ever wonder where America’s obsession with credit cards started? It was with ads like this. They gave the impression that you could live a lavish lifestyle if you had one in your possession. They make no indication of the fact that you have to pay the balance back, and that you’ll be charged exorbitant amounts of interest along the way.

iloveoldmagazines:

Orange Coast

1980 Vol. 6, No. 6

Ever wonder where America’s obsession with credit cards started? It was with ads like this. They gave the impression that you could live a lavish lifestyle if you had one in your possession. They make no indication of the fact that you have to pay the balance back, and that you’ll be charged exorbitant amounts of interest along the way.

President Obama offered details on a new retirement savings account, the “myRA”.  Here’s what you need to know (via WSJ.com):

  1. The accounts would be aimed at workers whose employers do not offer traditional retirement accounts like 401(k)s.
  2. The accounts would function like a Roth IRA and have government backing like a savings bond. This would give the investments principal protection, meaning the account balance cannot go down.
  3. There will be an initial pilot program for companies that agree to enroll by the end of this year. Workers can invest if they make less than $191,000 a year.
  4. Businesses will not administer or run the accounts. They will simply offer them to their employees if they decide to participate.
  5. There will not be a tax penalty if the investments are withdrawn.
  6. Initial investments could begin at $25, and subsequent investments could be as low as $5. The idea is to have investments added through payroll deductions.
  7. Accounts can be taken by the employee from one job to the next, and they can be rolled into an Individual Retirement Account at any time.
  8. The accounts would have the same variable interest rate return as the Thrift Savings Plan Government Securities Investment Fund accounts that federal employees enroll in.
  9. Once someone’s account grows to $15,000, the myRA must be rolled over into a private-sector Roth IRA.

Doctor and dentist offices aren’t just medical providers - they’re businesses, too.

Many of them will recommend procedures that are certainly beneficial, but not totally necessary.  After all, they’re there to make a living. 

For example, I recently went to the dentist for a simple cleaning and experienced this.  Before the cleaning they had me complete a health questionnaire.  I checked off that I sometimes clinch my teeth when concentrating, and I’ve been known to snore at night (allegedly).  The hygienist spent the entire cleaning complimenting me on the health of my teeth and gums, but when the dentist came in, the mood changed.  Suddenly, I was in desperate need of a custom night guard, a sleep study, and some sort of laser gum treatment.  My reaction:

image

They even took me to another office with a “closer” to make my next appointment and order the sleep study.  It was like being at a used car dealership.  Seeing as though the hygienist had glowing reviews for my chompers, I decided to forego the $500 of extra treatments.

So remember, you’re the one that’s ultimately in charge of your health and your bank account.  Don’t get talked into an expensive procedure without taking the time to decide if it’s absolutely necessary.

My family is seriously stretched thin for cash. Our credit cards are nearly maxed out and we wiped out our savings when my husband was laid off and then we had expensive medical bills. What can we do to get money fast and back on our feet again?

This is a great step-by-step resource if you ever find yourself in a situation like this.

How Can I Make Money Online?
I get this question a lot.  No, seriously, A LOT.  It seems everyone is interested in making a quick buck online.  I’ve always been hesitant to recommend anything, mostly because “make money online” sites are usually scams.
However, since so many are interested, I thought I would try to find something legitimate where everyone could make a few bucks.  After a lot of trial and error, I finally settled on slicethepie.
Here’s the scoop on this one: you listen to a song, write a review, and get paid a little each time.  The more detailed and more grammatically correct your reviews, the more you earn.  Once you earn $10, you can transfer it to your PayPal account and spend it on whatever your heart desires.
A good test for any online site that claims to pay you for something is to put yourself in their shoes and figure out what’s in it for them.  If you can’t answer that, it’s a scam.  With slicethepie, you’re providing your opinion, and that information will be compiled to find out what people in your demographic like to listen to.  Record companies really want this information.  Unsigned artists really want feedback on their songs.  Thus, you can earn money giving it to them.
So, there you have it.  The first ever M.I.N.I. approved “make money online” site.  I never thought it would happen.
So, will this make you rich?  Not even close.  But, it’s a way to get paid for doing something you already like to do—listen to new music.
Let me know how it goes for you.
UPDATE: This also works from an iPhone, Android, etc.

How Can I Make Money Online?

I get this question a lot.  No, seriously, A LOT.  It seems everyone is interested in making a quick buck online.  I’ve always been hesitant to recommend anything, mostly because “make money online” sites are usually scams.

However, since so many are interested, I thought I would try to find something legitimate where everyone could make a few bucks.  After a lot of trial and error, I finally settled on slicethepie.

Here’s the scoop on this one: you listen to a song, write a review, and get paid a little each time.  The more detailed and more grammatically correct your reviews, the more you earn.  Once you earn $10, you can transfer it to your PayPal account and spend it on whatever your heart desires.

A good test for any online site that claims to pay you for something is to put yourself in their shoes and figure out what’s in it for them.  If you can’t answer that, it’s a scam.  With slicethepie, you’re providing your opinion, and that information will be compiled to find out what people in your demographic like to listen to.  Record companies really want this information.  Unsigned artists really want feedback on their songs.  Thus, you can earn money giving it to them.

So, there you have it.  The first ever M.I.N.I. approved “make money online” site.  I never thought it would happen.

So, will this make you rich?  Not even close.  But, it’s a way to get paid for doing something you already like to do—listen to new music.

Let me know how it goes for you.

UPDATE: This also works from an iPhone, Android, etc.