Home > creditors > Call Your Creditors and Save Now

Call Your Creditors and Save Now

By Marsha Barnes

Have you ever been fed up with the bills that you pay monthly? You’re unaware of how much you pay

Marsha Barnes, The Finance Bar

Marsha Barnes, The Finance Bar

over each month, why you’re paying it, what fees are being added and whose to blame for the light bill being so high (…cut those lights off).

Many become comfortable with simply paying the bills and zooming in on the amount that they fail to review their statement thoroughly (practice this habit). It is extremely common for families to stare at $200, $300 and in some cases $400 utility expenses consistently each month. This can be a hard pill to swallow when money is already tight.

What if you could have a dream amount that you would prefer to pay for all of your utilities, insurance, groceries, etc? How much could you really save?

This week we have a resource for you to take the first leap towards dreaming and saving more.

Download the My Beautiful Savings Plan document here.

  1.  Fill in the name of the monthly expense.
  2. Pull out your current monthly statement and identify the approximate amount that you pay per month.
  3. DREAM big. Fill in the space labeled “What I want to spend.”
  4. Call each creditor and negotiate your current rate. There are tons of opportunities.
  5. Grab a calculator and subtract the current amount from the “What I want to spend” amount, or the amount that has been adjusted. This will provide you with the amount that can be saved.

Remember the answer from your creditors can only be yes or no. Take a shot at changing your situation. Dial them up! Let us know how this exercise worked for you.

Marsha Barnes is the owner The Finance Bar. Visit www.financebar.com for more information.

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  67. 昨年9月に引越しをしました。
    3ヶ月前に4社くらいに見積りしてもらい、月末の土曜日の条件で算出してもらいました。

    価格は一番でしたが、営業マンの顔で決めました(笑)
    だいたい、どこの営業マンさんも、他社をけなして帰りましたが、一つの会社だけ、他の引越し業者の悪口を言わず、帰られた営業マンさんがいました。
    その会社は業界でも営業のマナーが良いと評判せライバル社も褒めていましたよ!
    結論から言うと、上記2点が、判断材料となりました。
    そうそう、大変だったのは、ほぼ1人で荷解きをしないといけなかったり、ダンボールの引取り条件?も、私は大事でしたね(^_^)

    値段は、見積りでは2番目か3番目に安い位でした。駆け引きというわけではないですが、他社は、これくらいだったけど、もう少し安くならない?と、実はお願い致しました。

    値段だけで選ぶと、痛い目にあいますから、納得の作業内容で選ぶといいと思います。

    またよく言われる、引越料の相場とか、実はそんなのないですよ。
    引越し作業の理想が高いほど、料金は下がらないです。
    最後は自分が納得できるかできないかだとおもいます。
    安かろう悪かろうという言葉が昔からありますが、そんな引越ならしない方がましです!

    個人的に言わせてもらうと・・安くてきれいな仕事をする会社が一番ですけどね(笑)

    比較している際に、引越業者さんの話を聞いていると、他の業者さんなら■■円で受けてくれると言われたんだけど・・ (あなたの会社は一体どこまで下がるの?もっと下げてよ!) という人がいますが、あまりにもありえない金額を提示してくる非常識な人には、当然ですが「無理ですね!」と断ります。

    無理難題を言い出す常識のない人の引越作業をそこまでして受ける必要がないのも事実ですよね。
    そんあ場合は、会社から受けなくてもいいと言われているようです。

    他社さんは◯◯円よ~!(じゃあそちらでどうぞ!)って思っちゃいますね。

    この状況は、引越業を営む会社としては、一般的で、普通によくある事みたいです。

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    引っ越し業者は、作業する時間やトラックの大きさで引越し料金を、はじき出しています。万が一、大幅にオーバーする場合は、追加料金がいるでしょう。といっても、高い物ではなかったので、クレームをつけることはしなかったです。以降、そういった壊れ物だけは、自分で大事に運ぶようにしています。

    引越しというものだけに限らず、仕事をきっちりとやれる人は、段取りを組むのが、上手だと言われます。

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  108. uhm, a differenza di Daniele, io il miracolo l'ho visto apparire all'inizio del paese di Muhlehorn, dipende da quale traccia segui allo svincolo.Le cose sono due: o la Madonnina veglia sull'auto di Google (vuoi vedere che Streetview è più versatile del sistema arcaico usato dal Padreterno per l'onnipresenza?), oppure qualche volatile ha fatto la cacca su una lente di una delle fotocamere della GoogleMobile (no, non sto parlando di android…)

  109. Escrevi e apaguei. Longa, demasiado "elevada"e cinzenta. Basta-me o dia…É um facto Histórico com relevância.A oportunidade do "poste", hoje, pode ser questionável. Tudo o pode e deve ser! Coincidências, bem.Porque não?É um facto Politico? Claro! E…Se somos Todos Filhos de Deus, porque não poderemos ser pelo Seu Representante Terreno,recebidos e por ele ouvidos???Paz, a nossa Paz.AB do Te.t. amigo pode vir do latim ad mecum. Para esse senhor talvez. Para mim vem de dentro.

  110. Ja siÄ™ nie obrażam. Gdzież tam…To jak to jest z tym hasÅ‚em Prezesa: ‘Polskie banki i media powinny być w polskich rÄ™kach…’?To teraz Anglik jest lepszy niż Polak, ale generalnie Polak jest najlepszy (no chyba, że jest kumplem Grasia)…Co innego Niemiec, który jest najgorszy… bo gorszy od Niemca jest już tylko Rusek……no i Ci Å»ydzi…Już siÄ™ chyba pogubiÅ‚em……i jak tu być ‘dobrym’ Polakiem…PS. Zdaje siÄ™, że Hajdarowicz byÅ‚ kiedyÅ› w KPN…?To tam, pod nosem Moczulskiego, też byli zdrajcy…?

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  121. アナタのコンテンツ拝見しました。自分自身の記事では、女性の体臭についての情報を書いています。夏だけではなく、常にじぶんの臭い(ニオイ)は気になります。ダンナや仕事仲間にクサいと思われるのはすごい女性の人にとってはダメです。また、じぶんのワキガ臭というのは自分自身で気づきにくいと言われています。結局じぶんが思っている以上に体臭について意識しておくひつようがあるのです。臭い(ニオイ)を意識せずに、汗を放っておいた状態にしているとどんどんクサくなっていきます。また、下着なども長く着ていることで、垢などの汚れが繊維の奥に入り、アセをかくととたんにくさくなります。ですので、チャンと対応をしていって欲しいです。にんげんの身嗜みであるニオイについて詳しく情報発信しています。

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  124. 先日友達の家で見たVERYで、ハイドロキノンが配合された化粧液はシミを消す効果がぱっとみでわかるという記事を見ました。化粧液の成分は無理やりな口コミで評判が悪くなるから、次から次へと新しい物が出ては気づけば消えている気がします。
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    イオンに行けば美白を謳う化粧品がかなりの新商品が出てて、さぁみなさん、美白しないとダメですよ!と洗脳されているようです。
    ヒアルロン酸、コラーゲン、ビタミン誘導体あたりはもはや定番ですね。
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  126. Lets hope the AB hasn’t hired Simon Francis to direct the R+J screening on Stvdio. Who remembers the shocker job he did with Firebird and other legends, with shots changes at a rate of every 1 to 3 secs? Petrushka was unwatchable! For heaven’s sake, use someone who knows how to edit dance properly this time!!!

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  128. Homosexualitatea inseamna consens pana se ajunge la adoptii. Cand educam prozeliti e deja bai. Fiecare face ce vrea cu curul lui, atata timp cat isi trateaza hemoroizii in tacere, nu pe strazi in festivaluri. Pe pagina pe care m’ai trimis mi’am tratat aproapele cu intelegere si cu respect, chiar daca e homosexual, considerand ca poate fi recuperat, si ca nu eu il judec. Fenomenul insa ma scarbeste. E o scrabosenie, ce dracu! Daca vreodata prind un homosexual ca’mi corupe copilul, ii rup picioarele si i le bag in cur.VA:F [1.9.21_1169]please wait…

  129. Merci pour les bons mots.Je vais là où on m’invite et comme il m’arrive quelques fois par années de traverser de votre côté, on ne sait jamais… un jour je passerai peut-être par l’Université de Bordeaux, ville que j’ai visité l’an dernier, d’ailleurs. Vous habité un très beau coin de pays.La meilleure des chances dans votre Master.

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  132. こんにちは、アンチエイジング大好き年齢肌から脱出したいユミコです。この度の、コスメのメッセージは定期的に読んでください。初めに洗顔のことです。洗顔は肌の一番外側の部分のバイキンを落とします。洗顔がちゃんとできていないとかぶれの原因になります。なんで?と思うかもしれませんが皮膚は、常に排気ガスを受けています。かぶれなどを防ぐするために顔を洗うことは必要です。洗顔料にはたくさんの形態があります。その中でこの度は、洗顔石鹸について説明します。この洗顔料のいいところは、洗浄力を選択できることです。このことによって、皮膚の調子に応じて、使い分けることができます。次に化粧水が効果を発揮します。化粧水も洗顔料と同様にお肌の状況に合わせて使い分けることが一番です。化粧水も数多くのタイプが存在します。その中で今日は、乾燥肌用化粧水について説明します。この種類の化粧水は使い所をちょんぼすると、顔の調子を悪くさせてしまいます。それだけに化粧水の使用法をしっかりと把握から使用するようにしましょう。この後は美容液の出番です。美容液は50代になるととても重要な美容法です。美容液は価格の安いものを選ぶのではなく、ラグジュアリーな美容液を選ぶするようにします。美容液も化粧水や洗顔料と同じで色々な種類があります。その中で今日は、保湿用美容液について説明します。

  133. A pihentető hétvégédről jó volt olvasni. A Lili kutyád,a hűség megtestesítője, Őt nagyra becsülöm.Szép napot mára!Szerintem a 200.- Ft-os megjelenése, engem mindig a magyarázkodás ( pl. nem vigyázunk , nem becsüljük a papír pénzt ) mögötti érdekelne.

  134. 1. אני אמורה לחזור בעוד חודש לעבודה לאחר חופשת לידה.כאמא המשרה שלי באופק חדש היא 26 ש”ש + 5 פרטני+2.5 שהייה.מגיעה לי שעת הנקה ביום (5 שעות שבועיות)במשך 4 חודשים. מאיזה שעות מורידים אותה.2.האם בעקבות האןפק החדש השתנו התנאים ליציאה לשנת שבתון – האם מכירים בשנה זו כשנת ותק, האם חייבים לעבוד בבית הספר (חלקיות משרה) בשנה זו,האם חייבים ללמוד וכמה?.

  135. I don’t hold anything against Debra, you, or anyone else. I am forceful with my comments at times, but only because I am so passionate about my beliefs. Also, the entire brotherhood sometimes seems to get painted with the same brush, and only one perspective or doctrine is presented as the official church’s position. Since each congregation of the Lord’s church is autonomous, we should welcome rather then stifle, opposing points of view.

  136. Женя, ты меня не понял. Молодые люди флиртуют чаще всего лишь для развлечения. Вступать в брак они еще не готовы. В результате такие отношения не долгие. Флирт может восприниматься, как ухаживание, но на самом деле это была игра. Многим такие игры приносят страдания.

  137. that’s exactly what I was thinking. He sounded more like he was having an orgasm. “Babe get the tweezers, oh yeah” I was starting to think this was gonna be porn ha. I’m glad I watch these w/ headphones on. I have to hide my sick obsession from my kids. I had NO idea so many ppl shared my obsession with pimples. I ran across some vids on youtube and was like NO WAY. I’ve been hooked ever since, then I found this site and was like NOOOOO. It can’t be true. I’m not sick??? Other ppl like this too?? Can it be true??? I love you my fellow cysters. haha

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  140. R-1     nous dit le Bonjour,Dommage que votre article, au demeurant très intéressant, ne détaille pas plus en quoi consiste les préceptes de la finance islamique.Pour les non initiés comme moi cela aurait pu être intéressant afin de se forger une opinion objective.Question plus pragmatique, en quoi consiste un prêt immobilier sans intérêt?Cdlt

  141. I find it easier to forgive and understand a hyperbolic response to a horrifying tragedy than to forgive and understand what Loomis’ enemies proceeded to do to him.The kneejerk reaction among liberals is to blame systems and tools and laws and processes that stand in the way of progress, even with an abundance of hyperbole and ill-advised splash damage … while the kneejerk reaction among conservatives is to blame liberals, full stop. A pox on both their houses, but the conservative house is in *much* greater need of cleaning.

  142. L’art de s’endormir à volonté ou presque… ça me donne envie d’essayer.On dit souvent que de faire une petite sieste après le repas donne plus de tonus pour l’après midi.Certaines entreprises ont déjà mis en place des salles de sieste.J’utilise personnellement des musiques de relaxation pour m’endormir plus facilement le soir.En tout cas, un article très instructif.Merci,Noé

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  144. Se a ONU e bem dividiu o território do antigo Mandato Britânico para a Palestina entre israelitas e palestinianos, então qual a razão do anónimo não criticar os palestinianos por estes se recusarem a cumprir a resolução da ONU?Os israelitas aceitaram a partilha.Aliás, ainda hoje a paz pode ser alcançada se os palestinianos aceitarem a resolução…. coisa que não acontece.

  145. Hey Bob,For me, one of the highlights of Podcasters Across Borders this summer was talking with Andy K.I had a wonderful conversation with him at the PAB pub night, and another on the Sunday before we departed. It was great to see someone with decades of broadcast experience so interested in “us rookies” and the new technology around podcasting. During our conversation we realized that we had met before, when I was thirteen at a Junior High dance in Halifax where he introduced Wolfman Jack.I’m sorry to hear that pneumonia stopped him before he got his podcast out. I would have been a subscriber. – Bruce (The Zedcast)

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  148. Of course when John McCain has already received cease-and-desist letters from John Mellencamp, John Hall and Heart, and has been threatened with legal action from Mike Meyers and Jackson Browne, not to mention CBS News forcing YouTube to pull a McCain ad that improperly used clips of Katie Couric, it’s not surprising that right-wingers have no comprehension of copyright. It’s their logo. They own the rights to it, not you. Try spending as much time and effort to do something constructive.

  149. Life Scribbles: Are You a Jealous Critic? Posted Tuesday, December 22, 2009 by I like what you wrote here. I find myself very much the same and very easily get into the comparison and critical. I think there is a healthy competitiveness and then there is the response that is out of self; whether it is envy, or seeing one’s self projected onto the other. One thing that helps me is to know that I just need to focus on my own purpose, and what I can do with my two hands. There is a unique role I am called to play and ultimately, I’ve just gotta surrender.

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  151. Non, vous pouvez en etre sure, cela non seulement ne marchera pas, mais ne fera que renforcer la determination et la radicalisation des differents groupes de combattants palestiniens surtout avec l’entree en lice des roquettes et des missiles coté palestinien

  152. Não sei o que se passa com a nossa acção psico-social salvadora do planeta.Pá não vejo ninguém a gabar-se de ter pago uma aldeia olímpica inteirinha de 116 milhões de Euros a Moçambique em 2010.Feita pelos beneméritos da Mora e Engil claro.Há que recolher mais fundos aos xenófobos contribuintes para continuar a salvação do planeta cá e lá.Todo um império da despesa!

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  154. Eredetileg tervben volt, hogy teszek bele fehér lisztet. Aztán a bioboltban ahová járok nem volt BL 55-ös csak BL 112-es az meg félfehér. Úgy látszik minden összeesküdött ellenem, hogy fehér lisztet egyek. 🙂 Bár annyira nem is akartam.A kelesztÅ‘ tálra gondolsz? Hát… kicsit másabb állaga volt, mint az egy óráig kelesztett kenyeremnek és valóban ragacsos volt, de nem volt olyan nehéz kiszedni.

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  156. Jól van, Wiquin,buksi fej simogat.Az állításaimat a kis hálózatotokról már egypárszor bebizonyítottam (impresszumok, ilyesmi tudod, kis okos), nota bene, Brod kicsiny statisztikája a LÉT!.hu ún. kritikáinak tendenciózusságáról önmagáért beszél. Te viszont egyszerűen és simán letagadod ezeket a tényeket vagy elbagatellizálod Å‘ket. Ilyen értelemben tehát bizonyíthatalanok.Csakúgy, mint mint a Hannibál Lector Team léte avagy nem léte.Na jó, túl sok volt ez neked egyszerre, nekem meg dógom van…

  157. Dear 'Keen Follower of SpicyIP',I've had little experience of filing RTIs with the Trade Mark Office and hence am in position to comment. But I'm guessing that given the number of missing files at the TMR, the job of the CPIO must be pretty difficult. In any case I think the Government should really begin to train the CPIOs because a lot of them just do not understand the Act.My experience with the Copyright Office has been awful. Half-information, no information, flouting the 30 days rules on the house. There is no stopping these chaps. Best,Prashant

  158. ..that already exists of course. There isn’t anything fundamentally wrong with inherited and perpetual property rights. I like your analogy, however. I think there is alot of confusion among white NZers on this issue, specifically that much of the land was indeed taken, rather than bought through a fair transaction between two willing parties. I think many believe (like those quoted above) that Maori are somhow reneging on a property transaction, rather than the more truthful, and somewhat ironic fact that ‘they was robbed’ in the first place.

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  161. sam,這確是虛構的:阿唐腥同阿曾腥的部份對白乃從另外兩個事件而來。Shyouko,班 AO 其實錯不在不派包機,而是衰冷漠,乜都唔做。要協助滯泰港客,可以使錢包機;想慳錢也可以聯絡泰國政府,搞個「泰國梁顯利」給少數彈盡糧絕的旅客;想完全唔使錢,亦可以問清楚航空公司,到底預計要多少班航班和多少時間方能讓全數港客(本來光顧他們的和其他 airlines çš„)回港。局勢混亂之際,旅客最需要的是清楚的訊息。總之,處理的方法不止一個,偏偏班官乜都唔做,把自己置於一個被動的位置。

  162. I do read when I’m sick – but I also watch lots of TV. My husband sleeps like a rock until he’s better, but I have a hard time sleeping when I have a cold, so I end up lying in bed, reading or listening to an audiobook. Hope you’re feeling better soon!Oh, and about my move – yes, we’re staying in Washington, but moving in with my parents for a while due to financial issues and Kevin’s long-term unemployment.

  163. "How do we stop this nightmare from happening all over the world?"With any type of cancer the only remedy is to attack and remove the tumor – by all means available. Tear down the mosques, destroy the madrassas's, attack those who support Islam and make it's presence untenable. In other words, grow a set of nuts.America has already had one civil war, don't expect a second one. A revolution is not coming, rather a new iPad is scheduled to appear: toys to soothe and comfort.

  164. Doch, es gibt viele Post bei ihm, aus denen ich Erkenntnisgewinn zog. Aber es gibt bei ihm eben soviel grauenvolles.Genie und Wahnsinn …Nescio, jeder Staat gründet sich irgendwie auf Ausrottung oder so. Und wären die pösen Weißen nicht in Amerika eingefallen, hätten sich die Indianer weiterhin gegenseitig abgeschlachtet. Sorry, ich kann der Dauerkriegs- und Menschenopferkultur nichts abgewinnen. Es ist nicht schade drum.

  165. Nechápu, že taková “jediná žena v okolí a navíc i pÄ›kná” jeÅ¡tÄ› pracuje manuálnÄ›. ProstÄ› vždycky ráno vyberu 3 maníky. Jeden bude vytírat, druhý bude k ruce v případÄ› nenadálé potÅ™eby a tÅ™etí mÄ› odveze ve 12 domů 😀

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  168. Beh mettiamola così… Possiamo dire che la lavatrice ha impiegato circa 30 anni per cambiare il ruolo femminile? (i primi modelli in italia risalgono al secondo dopoguerra) … Beh allora diamo a Internet un'altra decina di anni di tempo e vediamo che ci combina.Oltretutto la lavatrice ha cambiato il ruolo femminile (al di là dei problemi ecologici che ha causato), Internet ha le carte in regola per cambiare il ruolo dell'Individuo!Quindi io sto con Internet! … è anche vero però che parlo da uomo! 😉

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  171. Hei!Ja, det var vakre naturbilder! Jeg visste ikke om dette stedet, så takk for at du viste meg vei!Jeg lurer på hvor lang/bred halsen du har strikket er? Den er vel viklet dobbel rundt halsen? Vil gjerne ha en som sikker slik, ikke en som er for vid!Så veldig trist med din bor, forstår du har det tungt! Varm klemCathrine

  172.   June 19, 2012Wow and Wow! This was such a fun podcast to listen to. Well, they all are, but I was literally riding horses before I was born, so they are a huge part of my life. I totally LOVE this podcast!!!We can promote this podcast after the podcast by Dr Mark #4… talking about the supposed dangers of endurance events. I listened to both the same day and it added interest.Thanks again for another great podcast!!!

  173. Hi Alex,Greatly appreciate your blog for the insight, and morning coffee read. And the sarcasm, never forget the sarcasm!Isn’t the question with raising the minimum wage not one of lowering access, but rather lowering attendance? There may be other incentives to choosing employment over PSE if the minimum wage is higher, but those people would technically have better “access”, right? They would have greater means.I guess what I’m asking is: access doesn’t equal enrolment, right?]Thanks,Brendan

  174. Me presento, soy Cristóbal Martínez.He leído las últimas noticias del blog, y verdaderamente esta muy bien, es difícil encontrar artículos de opinión deportivos que no sean favorables a un equipo en concreto.Espero que la página siga creciendo y que las noticias sigan siendo siempre buenas para los equipos españoles.Un saludo.

  175. matt. I don’t know why I bother replying to you. I guess you’ll just pile on a bunch of wiki references to “prove” your point.But if it comes to picking the side of the LEO’s or someone that’s so obviously mentally unbalanced as yourself I’ll go with the LEO’s every time. Some are good, some are bad. But you shouldn’t be trusted with a rubber band gun.

  176. 24/11/2012 – 1:31pmVirrei,creo q este año estan esperando a ver si cae la Decima,para ver como se lo quitan de en medio…En globo: si no la ganan.En cohete espacial: si la ganan.Pase lo que pase,seguro q lo largan…os acordais de Capello??2 Ligas,dos despidos…Estan hasta los webos del SPECIAL FIVE…lo mantienen porq ha llegado dos años seguidos a semis,que si hubiera caido dos en octavos…

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  178. Gawd,I couldn't comment on this post yesterday for some dumbass reason!!I LOVE that cape,and you rock that Miss Marple look,o YEAH!But o,my,TWO outfits!!!Weeeeeeeee!!!I love both,and I love seeing your knees!Hurrah!And as for that HAT!It's very sexy,and I like the quirkiness of the look!G has hats like that,I must see if I can steal one for a day….bahahha!Love and cape crusading!XXXXXXXXXXXXX

  179. Erika – yes, thanks. While I wouldn’t personally lead the purge on Amazon’s catalog, I’m not going to be outraged at them choosing not to carry something like that, there’s a big difference between censoring the entire internet and one store choosing not to carry something.

  180. 10-28-12calin spune: buna am si eu o problema cu munitoruil am win7 proffesional si mi se stinge munitorul la unele jocuri wow mt2???care e problema???si cand se stinge scrie ac olo power saving mode dar unitatea merge si munitorul nu mai merge:((!!!sper sa ma ajutati -3V-a ajutat acest raspuns?

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  182. OMG I FINISHED ALL THE “HUNGER GAMES” BOOKS! CRIED TWICE (ALMOST) AND STARTING OVER NOW!OH and my friends and I have new last names for each other now My one friend is Mellark, my other friend is Everdeen and I’m Hawthorne! only because it matches our names (and I should not say them because they might not like it)My other friend’s still thinking about onemaybe Undersee would be okay?! I’ll ask her!!

  183. than done, and that I can’t prove that there exists an objective reality that is not a function of our mental representations of it and perhaps the world is what we judge it to be. However, what I can say for certain is that having a habit of shielding one’s self from truths is an unsustainable and unfruitful practice, breeding ignorance, docility and a dependence on others. There were portions of this post that may be vague or convoluted, so please let me know if I should clarify anything. Does anyone have a different opinion on this, or any examples from your own or others’ experiences?

  184. “to enter private land”. For Israeli forces there is no “private land”.They feel like they own everything ,and everybody in the area.No respect for private property, no respect for people rights, no respect for people’ lives. No respect for anything.They are the MASTERS. And , what an irony, they call it (for the world to see) a democracy.If words don’t follow actions , they are useless, empty, they are a travesty of themselves.

  185. Michael, I do not agree.I work often a full day in studio with the X on a macbook pro with the EOS Utility and it works without any problem.even in a break, the gear goes in sleep and after that, all awakes and is ready to go to work.Personally I tried several times LR for tethering, but for me the Utility works much better.grtzz and mary christmas

  186. After struggling with the decision for a time, I’ve finally decided to take a year off before I begin my PhD studies. That year starts in just about a month and I couldn’t be more excited. I think a year spent with my Kindle (reading all those non-theological books I haven’t had time for) at the beach, on the porch, or downtown is going to do a world of good for my creativity. The relief I’ve felt since deciding to take this year off I now recognize as my body and mind being grateful for creative space– Amen!

  187. Hi Stik, an idea I saw somewhere, is to use a long balloon (the type they use to make animal shapes) to keep the bug net off your face if you are above the tree line or have no overhead branches. Just inflate it and use it like a bendable strut. Weighs very little..Good look on the hike, and welcome to the world of the bivvy.Walk far, and stay safe.Regards Steve.

  188. I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

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  190. Also Schilder mit “Fußgänger bitte Ãœbergang benutzen” find ich jetzt nicht so abwegig, gibt’s meiner Meinung nach bei uns auch….So Glastüren vor den U-Bahnen kenn ich auch, die sind mir schon in Toulouse begegnet, find ich echt gut, sollte es überall geben. Mich interessiert noch, wo man denn vom Fahrrad absteigen muss, damit man kein Bußgeld kassiert.

  191. Rapiers of the mid 16th century aren't really any lighter than the single handed swords of the 15th century. The rapier blades are thinner true… but they are also longer. The weight is comparable. Further the oldest surviving manuscript we have is MS I.33 a German fighting manuscript which shows a very advanced, nimble and systemized fighting system for sword and buckler play.

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  193. Personally it’s the constant advertising that bothers me. Sears obviously, but also AOL and tons of others. Also, they always say our friends at [insert company] has given the [insert name] family all the [insert product] they’ll ever need. Let’s be honest, you begged them for it in exchange for you saying the product and company name on TV…Oh and btw is it just me or do the two hour specials stop being special when they come every second episode?

  194. Very interesting article. However, I think it’s essential to note what the “average number of times each fan has commented on a page” statistic is. If this average is a decent number, then while not “core” fans, the millions of other fans may still have effect on the brand. Very important information to prove the point.Mark, any response to this?

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  197. je suis un peu septique par rapport au #5, je n’ai pas encore vu d’impact notable sur la fréquence & le volume de page crawlé /jour en essayant d’isoler et en faisant varier cet élément seul.Sur des gros sites les bots restent presque constamment connecté. Ce n’est dès lors plus la fréquence mais bien l’efficacité du crawl qu’il faut monitorer. ça tombe bien les astuces que tu donnes vont dans ce sens.

  198. Without knowing who advises our executive on economic issues, can I suggest we spend some of the booty on some top level advice on what a sustainable economy will look like, how it will affect the average person and how to make the transition from our Growth economy either before another crisis or opportunistically during one. Perhaps John Quiggin?We can’t put a price on carbon without linking it to import tariffs, assistance for the disadvantaged and saying where the money will be spent and how it will benefit Australia.

  199. "It still looked like heaven on earth, to me at least, especially the South Bay and the area around Santa Cruz."It was good there still..I was in socal, and the smog was moving across the valleys pretty badly by 1970. Just unbearable. And the freeways had multiplied and the population had grown accordingly.In the 50s it was still bright and sunny, except right downtown where the interchange was.

  200. Ich war gestern auch in Greifswald und ich muss sagen, es war klasse. Wir haben extra noch ne Runde um den Real gemacht mit dem Auto und ihn sogar nochmal mit Thomas Hess im Auto gesehen. (Hoffe ihr seit gut nach Hause gekommen.)Muss sagen das Album ist mal wieder gelungen (Text Gott Stephan eben ;)) Ach ja Stephan falls du das lesen solltest wir haben doch beide aufs Foto gepasst.^^

  201. aaah! agora sim *-* ahuahaua q, menina, a Taylor é fofa e merece…eu ri de saber que ela coitada quebrou um dos prêmios. pokaoapakpoaka x’DDD , quanto a beyonce, ECA! não gosto dela, ela se acha MUITO, ok, ela é bonita e tals.. mas.. precisa de achar tanto? NÃO. u.u q e as musicas dela eu acho bem chatinhas nem curti. pkaoaopkpaa #D’q  Quebrou?? Jura? nem sabia… tadinha kkkk  Shampoo Azul

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  203. No Corvida I would want to be myself. Fame doesn't mean you have to “suck up” to anyone but it can mean that your words, thoughts and ideas can have an effect – can really make people think – can have an impact. It doesn't have to be “famewhoring” but it can be bringing people together to effect a change – to be a voice that is listened to.Fame is a tricky beast and in many ways it gives the wrong connation to what I wanted to express but sometime the English language can fail us when we need it the most.

  204. Rainny > reenex (其實整個 NeoDerm group) 我最喜歡佢地嘅地方就係唔會 pushy, 如果你真係試左唔買佢地都唔會黑晒面 / 困住你 3 粒鐘勁 sell 果的, 當然 sell 點都有 sell 但唔 pushy 囉. 你可以按上面條 link 去試下呀~HGF treatment 每次 $3,500, 6 次係一個療程. 不過係每 2-4 week 先要做一次, 視乎你皮膚狀況而定啦~ 🙂

  205. Russ Parke December 21, 2011 – 20:06 Well done to you all. It’s great to her that you are having a good time. Look forward to hearing all about it when you return. Merry Christmas and I hope that the turkey goes down well!Best wishes to you all.Rgds Russ

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    1. it would develop different neuropathways in my brain and help me in making different decisions and having different reactions. So I picked my girl up from preschool and we went out to lunch. Then she pointed to some odd-looking chocolate structure in a bakery I've never been in. We went in and bought it. We sat at high stools and ate it. It wasn't that great, but it did shake things up a bit. Then we went to the used bookstore and laid on the floor, reading books for an hour.I love that you're doing this. I think you started with an awesome one.xx

    2. Hi MTH team!It has been a dream of mine to be successful photographer. Five years ago, I graduated with a degree in biology promising myself that I would revisit my dream at a later time. Since then, I’ve been working towards finding a balance between my work life and the creative lifestyle I desire.More than anything, I want this to be a transformative year for me. I need the empowerment and encouragement from alumni who can relate to the daunting feeling I am experiencing. Like a polaroid picture, please help make my dream go from blur to clarity.Let’s make this happen in Atlanta. 🙂

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    6. SHIT IS GETTING SO REAL.Also, speaking of weird adoption stories, one of my best friends was adopted by her grandmother when she was very little, and was raised by her. So she refers to her grandmother as "mom" grandfather as "dad", uncle as "brother", etc, etc. When we first met, i got confused whenever she talked about her family, but i'm used to it now.Plus, she's super happy with them, so it all works out. <3

    7. Dr Osmar mesmo se for realmente unificados, não vai mudar a história de santos e palmeiras! Não vai aumentar os numeros de torcedores, na real nem os proprios torcedores de santos e palmeiras leva essa unificação a sério!!!!!!!!! valewww bom natal p Sr, e todos São Paulino q venha o paulista p quebrarmos essa frequesia de perder p o corinthiasKKKKKKKKKK

    8. Have you ever considered about adding a little bit more than just your articles? I mean, what you say is important and everything. But think about if you added some great photos or videos to give your posts more, “pop”! Your content is excellent but with pics and video clips, this site could certainly be one of the best in its niche. Terrific blog!

    9. Things were so much simpler years ago, when we paid for (almost) everything with cash. If we didn’t already have the money, we saved up and then bought the goods. Personal debt was minimal 30+ years ago.Years ago, it was harder, far harder to get a bank loan and a credit card. Now it’s so easy to get credit. No wonder personal debt is a crisis and getting worse.Dave has some good ideas, but to me he’s just another money guru. Next.

    10. I don't think I've ever tried spelt – I need to give it a shot. Those rolls look crusty and gorgeous – love that you slashed them to make almost mini loaf look-alikes.

    11. Soy agente de seguros y quiero puntualizar:En España no esta permitido asegurar la vida de un niño.Las casas se queman con mucha mas frecuencia de lo que la gente cree. Básicamente la cocina concentra la mayoría de incendios domésticos, seguido del dormitorio.

    12. Hew! that's quite a list , but I bet you can finish all those Amanda. Don't have much for fall and winter – mainly just the holiday decorating – planning to have my fireplace re-done though, ut I'm leaving that to the professionals. 🙂