Archive for September, 2009

How Has the Recession Affected You?

posted by Chris

Has life for you been different since the beginning of this recession? Are you eating out less? Living closer to home? Lost your Job??

Aaron Heideman lost his job at a paint store at the beginning of the recession. Since then, he packed all of his belongings into his van. With just $325 to start, he is now traveling around the country collecting stories of how the recession has affected individual people. You can check out his story and read about others on his website. themaninavanproject.com.

Post your comments here about how the recession has affected you.

My First Time Being Cursed

posted by Bryson

Yes, that’s right; I’m going to talk about the first time I was cursed. It’s really a pretty funny story.

Several years ago, I got my first job. I was hired at Target. I worked in the electronics department, which meant that I was also expected to help in the seasonal area. During my first week there, while I was still being trained, an old Romanian couple (yes, they were Romanian, I could tell by their accents.) approached me to ask for my help. They wanted to know if we had any more of a certain item in the back. The item was a figurine of a jack-o-lantern wearing a scarecrow hat. The figurine had fiber optics throughout so that certain points on it would light up in different colors. I checked the inventory in our stockroom, but couldn’t find any more of the item. The wife asked me if I could check any of our other stores for the figurine. I checked, and we didn’t have any of them anywhere. When I told the couple this, the woman became angry. She raised her hand up and pointed a crooked finger at me. She then began speaking harshly in Romanian, accenting each word with her pointed finger. When she was done, she brought her hand down and spat to her side. Then the couple left.

I was left standing, dumbstruck, while my trainer (who had been watching the entire thing) stood off to the side and laughed. “Was I just cursed?!” I asked him. “I think you were!” he replied, still laughing. I didn’t find it quite that funny… at least, not back then. Now, however, I can look back on it and laugh. It was an interesting way to start a job in retail.

What about all of you? Have any of you had a curse put on you? Share them with us.

The Lost Symbol by Dan Brown

posted by Blake

With all of the good and bad publicity that Da Vinci Code was receiving, I knew I had to see what all the fuss was about and I am glad I did. After diving headfirst into that novel I knew that I had found an author that I truly liked. I quickly bought his other three books and immersed myself in the world of Dan Brown. In my mind the endings of some of the books seemed a little weak but the story he wove always seemed to catch my interest. Needless to say, I have been counting down until the day The Lost Symbol would be released.
True to his other books, I was ensnared right away. Brown is a master of building a captivating story around real facts, rituals, and locations. Brown’s main character, Robert Langdon is back for this new adventure and you won’t be disappointed. Be prepared because you will not want to put this one down.

What is your favorite read?

Needs vs Wants…Feel the Temptation

posted by YNF

This video shows that even at a young age, we decide between our needs and wants.  Watch this and try to relate this to your money and purchases you make.  If you waited, would you be able to buy something of higher quality, save on interest or make a better spending decision?  You tell me!

Learn Something Everyday

posted by YNF

Did you know…

One cigarette takes five minutes of life.

Thomas Edison, inventor of the lightbulb was scared of the dark.

Golf is the only sport to be played on the moon.

Want to learn more fun facts?   www.learnsomethingeveryday.co.uk

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Preparing For A Financial Storm

posted by Blake

As a boy scout I was always told the motto, “Be Prepared.”  After years of embedding that into my mind, you would think that I would follow the advice.  This past weekend I went backpacking in the Uintas and took just the bare necessities.  The forecast said it would be sunny so I didn’t bring much extra clothing.  Unfortunately, Mother Nature had different plans and it snowed several inches on us.  My long sleeve shirt and shorts were no match  for the freezing temperature.  I was unprepared.  While I was packing up our camp I thought of how unprepared I was and what I would do differently next time. 

This sort of situation happens to millions of people every day financially.  We aren’t expecting any hardships to come upon us but it is inevitable.  Even though our “finanial forecast” may show sunny skies ahead, we can never know when life will throw us a curveball.  So I started of thinking of ways I can be prepared if something does come up.   The first two things that popped into my mind were overdraft protection and a Visa card for such circumstances.  What are your methods of preparing for a financial storm?

Want a fun way to spend your Saturday?

posted by Carli

Check out the Farmer’s Market every Saturday through October 17th,  343 E.
25th Street in Ogden. It starts at 7 a.m. and lasts until 2 p.m.
It’s a great place to find local produce along with cooking
demonstrations!

There’s also live music for you to enjoy
while you stroll along Historic 25th street and enjoy what
the Farmer’s Market has to offer!

Think Snow!

posted by YNF

bryan-snowbird.jpg

THINK SNOW!  Being a Utah local has it’s benefits, especially when it comes to our fabulous ski resorts.  The ability to ski a wide variety of resorts within a

short drive or bus ride is pretty amazing and something we should take advantage of.  Many skiers/snowboarders choose to buy a season pass, but for those of us who need more of a variety, buying coupon books, pre-season discoun

t tickets, and resort frequent skier cards is the way to go.

Check out this website for details.

And get ready to hit the slopes!  The snows a comin’.

Life has a miscellaneous category, why shouldn’t your budget?

posted by Rebecka

I know for me, the biggest reason it’s hard to keep a budget is because I feel like there are so many things in life you cannot expect. There are things in life that somehow just sneak up on you…like a work party or the leg on the coffee table finally gave out. But there is an easy fix to this. Any good budget should have a “miscellaneous” category for all expenses that come up in a given month or even a year.

So how much should you put in your miscellaneous category? Well a target budget will vary for each person. The best way to figure out a number is by looking at your past spending. What came up that had to be fixed, or bought, or borrowed? Would you be able to include those surprises in any of your other categories? If not, then add these miscellaneous costs to your budget to cover for the rest of the year. Be careful not to put in that pair of shoes you just “had to have” though…that doesn’t count.

Because life is so…unexpected sometimes, you have to be sure to have something almost like a contingency plan for your finances. If you don’t have a miscellaneous category, your budget will most likely fail. Sometimes the answer is a simple as re-evaluating your original budget for any missing categories or places where you might have underestimated how much should be budgeted. Gifts and travel should have their place in your budget, and entertainment expenses should include eating out and small impulse buys. Otherwise you’ll always find yourself with expenses that don’t have a home in your budget, and this could discourage you from sticking with the process.

Creating a budget isn’t easy! But it’s just like many good things in life…it gets better over time. If you miss calculate the cost of an expense one month, that is easily fixable in the coming month. If you get discouraged at first, don’t give up! Over time you’ll find that your budget more closely reflects your spending patterns. But because life has a miscellaneous category, make sure not to underestimate the unexpected! As long as you are honest with yourself about where the money goes, you will succeed.

 

 

 

Employers refer Facebook?

posted by Rebecka

Since different social media sites have come out, a problem has risen whether it is ethical for employers to look at personal profile pages on places such as; Blogs, Myspace, Facebook and Twitter. What do you think about this situation? Do you think it’s right for employers to check out applicants profile pages?
On the same note, would you ever become friends with your boss on Myspace or Facebook with your boss? Why or why not?


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