Bahet Member

Most important of all - NEVER, EVER walk backwards!!

Emily, I'm just glad I can help. :smile: Dave Ramsey may not agree with transferring balances but I say if you will save more than it costs then you come out ahead and should do it. Congrats on paying off the Discover card! You may want to think twice about closing it though. You should have at least 1 credit card for…

Excellent post Solpwr!! However, I find one area where I disagree with you. I do not recomment a Roth IRA except in certain circumstances. If you are not eligible for a tax free traditional IRA or if you think you'll make more money when you are retired than you do while working then a Roth is the way to go. In most oth…

Hinzie, Amex doesn't look any better than Discover or Visa or anything else. They do also charge mechants a higher fee. My suggestion is to use the points for whatever you are saving them for then cancel it. Make sure you open a different card first though! Ocarina, Talk to your bank. They may have something you can use.…

YAY! I'm so glad I was able to help you!! :happy: I do hav the money in my checking account. I have a money market checking which does require a minimum balance to earn interest. The amount varies by bank but typically $1000 will be the minimum. Some regular checking accounts earn interest as well. Again, it will vary…

I was married fo 1 1/2 years. We'd bought our first house 8 months earlier. My birthday is Halloween so we went out to dinner then came home and handed out candy. It was perfect. We didn't have kids of our own yet. We wanted to be married for a few years before starting a family. We were just enjoying being newly weds and…

From http://www.webmd.com/allergies/guide/food-allergy-testing You might want to be retested or find out exactly what is meant by "a sensitivity" to certain foods. If it means you could have severe problems of course avoid it. If it means it might maybe sometimes give you a bit of heartburn pop a Tums and call it good.

1st, get out before he does get violent. Ask a friend or family member for help. WHat he's doing is abusive. Abuse doen't just mean physical. This part really struck me. No one should deal with a relationship where you have to justify it by saying that the nice outweighs the mean and controlling. It's one thing for good…

shrimp, avocado, and asiago cheese mixed in with a bit of white wine and olive oil.

I was 27 when I had my 10 lb 11 oz son who was 2 feet long with a 15 1/2 inch head. Delivered him vaginally even though he was stuck facing sideways after 25 hours of labor. I was 30 when I had my 9 lb 8 oz son who was a mere 21 1/2 inches long and only took 12 hours of labor. Hubby is just lucky I wanted 2 kids. He didn't…

I live in an HOA neighborhood and wouldn't have it any other way. We have nice landscaping in the common areas, parks just for the neighborhood, a community pool and tennis courts, etc. I have had to deal with a micromanaging HOA board on a power trip. My suggestion is t findout where the board members live and start…

About $100-150/week. It's me, our 14yo, and our 11 yo. Hubby is in Afghanistan. That includes cat food and litter for 2 cats too. When hubby comes home it will probably go up about $50/week.

Probably. I'd keep the bills for any expensive items you still have such as furniture. I'd also highly recommend keeping any bills that were deducted on your taxes either as business or medical or charitable expenses. Those should just be filed with your taxes. If it was items that are gone or pretty much worthless and…

When doing a no spending challenge I tell my clients that that means no spending unless it is absolutely necessary. Otherwise you are left sitting in the dark with no heat or AC and food rotting in the fridge if you want to get right down to it. You are spending on electricity, rent, mortgage, etc every day. Those are…

Credit cards aren't the problem. Buying things on credit that you can't pay off every month is the problem. I buy EVERYTHING on my Discover card. It's like getting an automatic 2-5% discount (part of that whole $5/day thing :wink: ) BUT I pay the card off every month. So my money stays in the bank earning interest for an…

@ hinezie -- Contact the credit agencies directly and submit a copy of the paid debt along with a letter stating what you said here. Then report the debt collection agency for breach of fair debt collection practices. They cannot dictate the terms at which you repay. The fact that you pay it off whether it's an amount they…

I am a financial advisor and would be glad to give any advice. Everyone already knows the big tips like "Don't charge something you can't afford to pay cash for" or "Know the difference between wants and needs" or even "cook at home instead of eating out." Those are all wonderful tips. I also like to focus on little things…

My hubby was in Iraq with the National Guard in 03/04. On their way coming back home they got stopped in a fire fight. They were in a bunker with some Scottish troops. Hubby volunteered his and his mens' services. The Scottish commander thanked him and said they didn' need to do that but they'd be glad for the help. Hubby…

Everyone is entitled to one free credit report for themselves every year. You can check all 3 companies. Do NOT use those freecreditreport.com type places. If your credit was good before the slight ding that any credit check (aside from your own once a year free check) won't do any real damage. If you were eligible for the…

When baking with a recipe that calls for oil substitute an equal amount of unsweetened applesauce. It dramatically cuts the fat and calories, makes it more nutritious, and makes it a bit moister. I've done it with everything from cake to brownies to homemade oatmeal bars.

Excellent advice. This is what we did with our 2 boys (now ages 11 and 14) We also kept an open door policy meaning that we answed any and all questions, just geared the answer to their age. A few months ago I was watching TV with my then 10yo and a Cialis commercial came on. He asked what it was for. I told him. He…

Nothing tastes as good as being thin feels.

I don't get hung over. Ever. Seriously. And yes, I've been plenty drunk enough that I would know. :laugh:

By it's nature vodka is colorless, odorless, and tasteless (excepting the flavoured kinds) so I buy the absolute cheapest possible.

Make sure you check with your regular doctor. It's possible that if they deem it a necessary procedure that it would be covered by insurance. Also, drink a LOT of water while you are in the process of losing weight. It will help the skin gain and maintain it's elasticity which will help it reshape to your new body.

You guys made me very happy today! Hubby gets home from Afghanistan in a month and Chipotle is high on his "I must have this" list. :laugh:

I have that problem except I'm consistently under in everything. I forget to eat or get busy or I'm just not hungry. I honestly don't understand why I'm not losing weight like crazy. I got fat because I have a weakness for ice cream and chocolate. But I haven't had either in weeks, possibly months (except for 3 bowls of…

I spent the first 9 years of my life in Allen Park. I grew up in Woodhaven. Went to EMU. Lived in Canton for a few years with hubby and kids.

Why is it so much worse to throw something in the trash than to throw it on your hips? We are not human garbage disposals and need to stop treating ourselves as such. I am just starting out here. I am shopping healthier and eating healthier. Why is it such a bad thing to throw out that half eaten bag of Cheetos that no one…

@ acg: I don't. BUT I'm 41, obese, and my family has a history of heart disease. It would be stupid to knowingly and intentionally injest that much sodium.