Archive for September, 2007

Why would you want a new credit file, illegally or legally?

On the way to work this morning, I came upon this sign tacked to a fence.

Get a new credit file legally! Only $30! 100% guaranteed!

First of all, I don’t even know if that is possible or legal or even guaranteed. It seems pretty shady to me especially with the low low price of $30.

Second, think about the motivation of people who need to get a new credit file. They’re either so in debt and their credit is so bad that they need this or they’re doing something illegal (or witness protection?). If your credit is so bad that you need a new credit file, then once you get this new credit file, what’s to stop you from repeating your mistakes and screwing up this one too? It’s not the credit that’s the problem. It’s the financial habits that people who need a new credit file have.

It’s missing payments. It’s simply defaulting on payments. It’s taking out too many loans or credit cards. It’s declaring bankruptcy and foreclosure. These are the results of bad habits! Change the habits first and slowly build your credit back up. It can be done! The file basically tracks the last 7 years of your financial habits. Sure, it’s not as easy of a solution and definitely not as quick, but if you work hard on it and change your habits, that at least is 100% guaranteed.

And if you need a new credit file to do something illegal, I have only one word for you: DON’T! Unless you’re in the witness protection program but I suppose the police set up something like that for you already.

Why would you want a new credit file?

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10 things I’ve learned in the first month of working full-time

Now that I’m working at my new job and finally earning some money, I’ve realized a few things:

1. Working 8 hours day really means being out of the house 11 hours a day.

2. My already pathetically miniscule social life has dwindled to non-existence.

3. I’m definitely getting chubbier since I’m snacking constantly at work and I don’t have time to exercise anymore

4. No matter how old someone can get, they’ll always be immature.

5. I can’t stand not having anything to do. I must be productive!!

6. It’s finally sunk in that I will never have school vacations again. And I won’t get another vacation day that’s not a holiday until after 6 months from now. (Thank goodness for Thanksgiving and Christmas!)

7. LA traffic has a mind and personality of its own.

8. Paperclips make the world go round!

9. Construction from above is 100 times louder than construction from next door.

10. Your parking space is a reflection of your eliteness in the company.

Any other revelations?

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“Quit Buggin’!” DIY remedies for natural annoyances

Taken from the CosmoGirl article “quit buggin’!”

Sting/bite cream

What you need: 1 tsp. meat tenderizer, water

What to do: If you have pain, itching, or swelling from bug bites or stings, mix the meat tenderizer in a small dish with 2-3 drops of water to create a paste. Dab the mixture on top of your bite or sting and leave it on for at least 30 minutes, then rinse. Apply this as often as necessary for relief.

Why it works: The meat tenderizer’s enzymes may help draw out the insect venom.

Bug repellent

What you need: 1/2 oz. unscented body lotion, 3 drops each of eucalyptus oil, peppermint oil, and citronella oil

What to do: Mix body lotion and all of the oils in a small dish. Then rup it over your entire body before going outside.

Why it works: Eucalyptus, pepperming, and citronella are all natural bug repellents, and they don’t smell gross!

Poison ivy serum

What you need: 1 cup water, 1 cup apple cider vinegar

What to do: First, do not scratch your skin or you’ll spread the rash to other parts of your body. Mix the water and apple cider vinegar in a cup or bowl. Dip dish towel or paper towel in the mixture and dab on the affected areas. Let it dry, and reapply it as often as it takes to relieve the itch.

Why it works: The acids contained in the vinegar will cool the rash, which will help reduce the itching and irritation you feel.

Athlete’s foot

What you need: 1 clove peeled garlic

What to do: cut the garlic in half and rub it over the infected areas of your foot, between and around your toes. Leave on the juices for 30 minutes, then rinse with warm water and dry thoroughly. Do this once a day for a week. Always dry in between your toes after showering and change your socks at least once a day. Avoid wearing the same pair of shoes every single day.

Why it works: The oils from raw, fresh garlic will reduce the itch and may even help kill the fungus

Skunk smell remover

What you need: 2 cups hydrogen peroxide, 1/4 cup baking soda, 1 tbs. liquid dish washing soap, plastic gloves.

What to do: If your pet’s eyes are red or if it’s bleeding, take it to the vet immediately! Otherwise, if it’s just a stink, mix the ingredients in a bowl, put on plastic gloves, go outside, hose the affected animal down, and pour half the mixture on and scrub like a shampoo. Rinse and dry, then repeat.

Why it works: The soap breaks up the skunk spray to let oxygen in. And the peroxide-baking soda combo produces oxygen, which removes the odor.

Any others you can think of?

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I have a job! (and 5 reasons on how I did it)

Those of you who read this journal may remember my previous rant on the difficulties of finding a decent job with no experience and not being able to gain experience without a job in my post Catch-22.

However, I just started a new job last week in accounting with very little experience and education in accounting.  How did I do that?

1. I had connections – I had a friend who knew of an entry-level accounting position in her company.  She recommended me and I was given the first chance at the position.  Having someone recommend you is the best, especially if they’re a good employee, because the people in charge associate you with that person and their positive qualities.  However, keep in mind, if you do get a position because of a recommendation, be sure that your work ethic is up to par also because anything you do, especially at the beginning, will reflect on that person that recommended you.

2. I came in with nice, clean clothes and a big smile – the biggest thing a lot of employers look at is how well they can get along with you.  Employers would rather pick someone with little skills but they can get along great with them versus a genius that hates being with other people.  Also, the greatest tip I’ve read about dressing for a job, is that you must dress for the position that you’ll someday want to be in instead of the position you’re starting off in.

3. I had low expectations – This means that I was willing to take an entry-level job with probably low pay and little benefits in order to get my foot in the door.  Before, I had such high expectations that I applied only for jobs that were “good enough” for me when in reality, those positions were only so good because they went to people who have a lot of experience or knowledge in that field.  I actually ended up with a job with a decent entry-level salary and amazing benefits.  Another good thing to think about: benefits can actually be more important than salary so it’s good not just to look at the bottom line.

4. I had goals – One of the things my new boss mentioned to me was that he had heard from my friend about my career goals for the future and that he was excited to help me to reach them someday.  He said that he would, in addition to my regular work, throw some extra projects in that would help me gain experience in the areas that I was working towards.  This is great because not only does your employer know that you want to get better than you are right now (which can only be good for the company) but they (if they’re the right job) want to help.  This may be in additional experience or even helping to pay for more education.  Be careful to not hint that gaining experience and education may take you away from that company.  If they hear that, they may not be willing to invest in someone who will just take what they got from the company and give it to another (potentially rival) company.

5.  I’m willing to shut up and learn –  The person that interviewed me expressed happiness at fact that I didn’t have any previous experience.  This surprised me and I asked her why that was.  She said that people who have a lot of experience sometimes get too used to doing things a certain way and are not open to new ways of doing things.  She was happy that she could teach me the way the company does it without interference from previous experiences.

So, I’m excited.  Perhaps, every so often, I will update you on how I’m doing in that company.

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“Rich Girl, Poor Girl” from Cosmogirl May 2003

I was doing some cleaning since I’m redecorating my bedroom when I came across a truly humongous stack of old teeny-bopper magazines dating back to 1999.  I decided to recycle them all since I wasn’t ever going to read them anymore and they were just taking up space.  But, being the packrat I am, I just couldn’t recycle them all until I had flipped through all of them and rip out the articles I liked just in case I wanted to read the individual articles again.

Going through my Cosmogirl magazines, I stumbled upon this article.  Here are 5 tips that Robert Kiyosaki, the author of Rich Dad, Poor Dad, gives to teenage girls “to go from normal to super-wealthy” (I’m just writing the tip, not the description.  I add a basic summary in parentheses afterwards):

1. Spend Later – Wealth is about how much you keep, not how much your earn (save more than you spend)

2. Be Desperate – A paycheck is not enough if you want to live the good life (find alternate sources of income)

3. Buy Assets – Money isn’t just for spending, it’s for making more money (invest money in things that will go up in value later)

4. See Green – Opportunities to get rich are all around you (lots of ideas to make extra bucks are all around you, you just need open your eyes)

5. Learn How – If you know how money works, it can work for you (learn from lots of different sources on how to manage and invest money)

What do you think?

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Defining Success

A very important thing while pursuing your financial goals is that you need to know when you’re successful. What is success anyways?

There’s a very good article written by Wise Bread about defining success.

Here’s an excerpt:

” When it comes to your life, what do you want? How does your money fit into that?

If you can’t answer these two questions, you won’t ever know when you’ve been successful. In fact, it might be worse than that: you might achive what you thought you wanted, or what all of your friends want, and suddenly realize that it doesn’t satisfy. In order to make sure you’re going the right direction for you, it’s important to figure out what you want from your life (to find your definition of “success”).”

See what you think.

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