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Congressional Compensation

Ever wonder why Congress gets to vote itself pay increases?  I did, so I looked it up.  I did all the work for you.

 

Article 1, Section 6 of the U.S. Constitution states:

The Senators and Representatives shall receive a Compensation for their Services, to be ascertained by Law, and paid out of the Treasury of the United States.

The 27th Amendment modifies this section:

 

No law, varying the compensation for the services of the Senators and Representatives, shall take effect, until an election of representatives shall have intervened.

So, when Congress votes itself a raise, it does not take effect until after a new election is held.  Also, unless they vote otherwise, Congress receives an automatic cost of living adjustment (COLA) annually.

A look at how our Congressmen have exercised this right:

 

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Article publié pour la première fois le 20/06/2010

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Is it just me or do song lyrics sound slightly ridiculous when they aren’t being sung?  All those “yeah’s,” “uh huh’s,” and “oh baby’s,” make me laugh.

Here they are in no particular order whatsoever:

1. You say that I don’t love you. You say my love is untrue.
Well darlin’ if I was a rich man I’d prove my love to you.
I’d buy you a diamond ring and a new fur coat or two.
conocer mujeres sucre bolivia If my nose was running money honey I’d blow it all on you.

http://faithsmedicalservices.com/maljavkos/1000 Mike Snider – If My Nose Was Running Money

 

Not only is this irresponsible, it’s just gross.  The woman doesn’t want your booger money.

If my nose was running money, would I consult a doctor?  You know, I just don’t know, I just don’t know. 

 

2. People say I’m a crazy son of a gun
‘Cause http://theftzapperfence.com/?makisf=agencias-matrimoniales-las-palmas&50b=df I’ve made me a couple million never saved a one.

source Darryl Worley – Living in the Here and Now

MC Hammer did that.  Now all he has left is a pair of parachute pants; or did they take those too?

Stop.  Or it’s Hammer Time.

 

3. I’m gonna marry for money 
I’ll be so damn rich it ain’t funny 
I’m gonna have me a trust fund, yacht club, hot tub piece of the pie 
Find me a sweet sugar mama 
With a whole lot of zeros and commas 
Don’t really care if she loves me 
busco mujeres solteras 30 She can even be ugly 
I’m gonna marry for money

guy dating girl 2 years older Trace Adkins – Marry for Money

No comment.

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Article publié pour la première fois le 22/09/2010

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It’s an Odd Job But Somebody’s Got to Do It

Looking back over my old posts, I realize that I mention quite a few of the jobs my husband had in his youth like ice cream scooper, baseball batboy, and others not mentioned like airport communications intern, fireworks warehouse grunt, and Target stock boy.  I had my share of odd jobs myself, but that is another story entirely.  Today I would just like to share some ideas I had for part-time, self employed gigs to help you make ends meet or to have a little extra mad money to play with.

When it’s beginning to look a lot like Christmas, put together a seasonal lights business including set up and take down.  Or hire yourself out as a holiday gift wrapper.  Everyone knows these things put a little more magic in the season but, in truth, many people would gladly pay to have someone else do it, worry free.

Run a cloth diaper washing service.  I think a lot more people would try this eco-friendly baby necessity if there was a good local service to help with the clean up.

Turn your hobbies into jobs. Do you knit, sew, or quilt? Make handmade gifts? Paint?  Make fancy artsy gizmos out of found objects? Make jewelry?  Try selling your wares at local fairs.

Start a furniture refinishing business.  Buy old, cheap stuff and fix it up to sell at consignment stores.

Teach cooking classes.  If people are always asking for your recipe why not teach people how to make it themselves.  You can do it in your own home if you feel comfortable or if a friend has a “show” kitchen ask to use hers.

Try good old-fashioned babysitting.  Parents these days are less willing to leave their kid with a 12 year old.  They are willing to pay more for a responsible adult who can drive and has extensive kid experience.

Housesit for neighbors. Walk their dog, feed their cat, water their plants, collect their mail, keep an eye out for suspicious persons. Their peace of mind is cash in your pocket.

Do freelance work like stuffing envelopes or making bill collection calls like Matt’s grandma used to do.  She found she had more courage for this intimidating task when she put on big dark glasses and a tough gal voice before she picked up the phone.

Start a lawn care business.  There really isn’t too much green growing here in the desert, but the weeds didn’t get the memo.   They love to ruin gorgeous desert landscaping.  A weed killer business would do well.

Take in laundry.   Gone are the days of scrubbing on washboards and cranking the ringer.  People don’t care much even about ironing anymore.  I have had friends who have done this and loved it, just grab some stain spray at get to it.

Teach language lessons.  But you don’t know a foreign language?  Do you have any idea how many people in this country are trying to learn English as a second language?  If you are reading this, you’ve got the job!

Last but not least, find a job writing content for great blogs and websites like I did!  Thanks Richly Reasonable!

I am sure there are many more odd jobs out there, some seasonal or particular to your area.  So if extra cash is what you are after, just get creative and get started.  One bit of advice, don’t forget to manage your time well so that your new business venture fits into your life and doesn’t take it over. source site

http://vahidsport.com/pltyte/factore/5135 Got any great ideas for odd jobs?  What odd jobs have you found success in doing?

Article publié pour la première fois le 03/05/2012

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Around the Interwebs – Week of July 5

How to Go from a Two-Person to One-Person Income @ Free Money Finance


Handling Occasional Expenses @ Christian PF


Are You Eating Yourself Into Debt? @ Man Vs. Debt


Article publié pour la première fois le 10/07/2010

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Given the continuous dressing down payday lenders receive in the mainstream press, you’d be forgiven for thinking the short-term loan sector would attract more complaints than any other financial service; perhaps surprisingly, that assumption couldn’t be much further from the truth.

First things first: a disclaimer. This is not a post written in praise of the payday lenders. Instead, it is a factual piece based on the latest industry statistics published in the Financial Ombudsman’s annual review.

The 2013/14 annual review itself is over 170 pages long, so I’ll spare you some of the more superfluous details and direct you to a snapshot of the key facts and figures which can be found here.

http://www.negocioseninternetrentables.com/flomance/4126 Is there a payday loan witch hunt?

Much of the coverage focusing on the complaints made about payday lenders, as you can see from this article, was completely devoid of any context. If we take a look at payment protection insurance mis-selling, you will see that the Financial Ombudsman received a staggering 399,939 complaints about the practice in the past year alone. That’s more than 1,000 complaints every day. Compare that to the number of complaints the ombudsman received about payday lenders over the course of the year, just 794, and you soon see why the context is so important.

watch Payday loan complaints in context

Further examination of the Financial Ombudsman’s annual review, which spans 1 April 2013 to 31 March 2014, provides plenty of additional insight:

  • Payment protection insurance attracted 78 percent of the total complaints received by the ombudsman over the course of the year.
  • Payday loans did not appear in the 20 most complained about financial products
  • Credit cards, mortgages, hire purchase agreements, point of sale loans, personal pension plans, buildings insurance and mortgage endowments are just a few of the financial products that attracted more complaints than payday loans.

Of course, even a single complaint is one too many, but for some media sources to run sensationalist headlines with no context whatsoever is at worse behaviour indicative of an agenda, and at best, it’s simply poor journalism.

site de rencontre pour jeune sans inscription Are payday lenders cleaning up their act?

In the face of strict new guidelines introduced by the Financial Conduct Authority (FCA), payday lenders have been left with little choice other than to clean up their act, or exit the industry. Since replacing the Office of Fair Trading (OFT) as industry regulator in April 2014, the FCA has introduced a number of tough new rules which are starting to take effect.

On 1 July this year, limits were placed on the number of times short-term lenders can roll over loans; a practice which is one of the primary causes of spiralling debt levels. There have also been restrictions placed on continuous payment authority (CPA). The new rules mean lenders are only permitted to access customers’ accounts on two occasions to claw back outstanding repayments. After that point, they can only reclaim loan repayments by contacting the customer directly.

follow url Why are there so few payday loan complaints?

Despite the constant lambasting in the mainstream press, the payday loans sector has attracted precious few complaints; but why could that be? Perhaps the majority of the two million plus individuals who use the service provided by short-term lenders are generally happy with the level of service they receive? Alternatively, it could be that payday lenders have efficient in-house customer services teams which satisfy customer complaints before they are taken any further? More pessimistically, perhaps some payday loan customers are beyond the point where a complaint will help.

Have you ever sourced credit from a short-term lender? How did you find the service? Were all the charges made clear from the start? We’d love to hear from you on this contentious topic, so please leave your thoughts in the comments section below.

David Boyd is a financial blogger, commentator and aspiring journalist who spends his free time writing for some of the UK’s most authoritative websites.

Article publié pour la première fois le 30/07/2014

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What is debt consolidation?

If you are finding it difficult to balance household bills and servicing debts, it may be time to consider taking action and finding an appropriate debt solution. For many individuals who have a number of outstanding payments, remembering dates and ensuring bills are paid on time throughout the month can be difficult, making the stretching of a monthly salary very difficult. This can, in turn, lead to financial penalties for late or missed payments and force an individual’s financial situation to spin out of control. One option that can aid in the management of debts is a Debt Consolidation loan.

This type of loan reduces the number of debts individuals need to service, as well as the number of creditors they need to deal with. This can benefit the debtor by reducing the stress associated with juggling debts and also allow them to keep better track of their money, ensuring they don’t miss payment dates while avoiding extra charges. In addition, consolidating debts into one loan can free up time spent managing these debts to make it easier to plan a budgeting strategy.

Depending on the type of debt consolidation loan taken out, it is often possible for the debtor to reduce the amount of money they are remunerating each month on debts, making it easier to pay essential household bills. This could result in the debts costing you more to eradicate in the long term, but it can help reduce your outgoings on a short-term basis and give you a fixed date in the future for you to work towards when you know you will be completely debt-free. Perhaps most importantly, if used correctly, debt consolidation can help individuals who have the potential to end up in serious financial difficulty to bring their finances back under control and avoid bankruptcy.

If you are exploring the financial solutions open to you to help you manage your own personal situation, take the time to review the debt consolidation options available. These loans are available on a secured and unsecured basis and can be tailored to meet an individual’s needs. Before you take out any loan, remember to shop around and talk to potential lenders about the conditions of any agreement.

Article publié pour la première fois le 27/11/2011

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