RE: How Are You Coping with the Recession? (Full Version)

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SingleRarity -> RE: How Are You Coping with the Recession? (6/21/2008 6:31:00 AM)

quote:

ORIGINAL: pinksugarsub

i do not buy anything anymore.  No clothes, no stylist visits, no presents, no trips to fast food resturants, nothing whatsoever.  Just rent, utilities and food.  ( i admit it though; i'm going to see my stylist in July and i'm going to give my UM a birthday present.)
 
i am depositing money in my UM's account and she's sending me cigarettes at about 50% of the cost of buying them locally.


So you give up everything else, but still buy cigarettes?  Seriously?




kessbm45lilgirl -> RE: How Are You Coping with the Recession? (6/21/2008 6:57:41 AM)

There isn't a recession, nor is the economy particularly bad.

"It's the media, trying to pump up the Democrats again.  Happens every election cycle that a Republican is in office.

And immediately after the election of a Republican majority or President, you'll see endless stories about "the homeless problem" ... that seemingly comes into existence the day after any election that Democrats lose. "


The issue with that logic is  its over simplifies  the reality of life. There are people who are homless and feeling the pinch who are Republican as well as Democrats. There are Democrats who are not feeling the pinch just like Republican. party affaliations have nothing to do with where someone is in the economic game. I am an accountant so I know I can always find a job or start my own business because a bean counter is always needed. ( although I put my faith in God at the head of the list as to why I do not worry about money, I know I will always have what I need)
I am most of the time senstive to what other people are feeling.

I will be cooking more at home because I went to Wendy's and paid  1.50 for a 99c item  that was tasteless no more wasting my money. I have to drive towork  which is 20.5 miles away and the bus system  here is not New York so we do what we have to do. I put away two of my credit cards I  will pay them off and not use them is the goal. Bring my lunch to work. Use company perk program more. I discovered my company has a perks program and you can save a lot of money on things you use every day. If you work for a large company  utilize all perks they have.

Today I want red beans , rice and fried fish. I could pay 12.00 bucks have  it instanly or I can cook all day, and although its hot as hell here in Az I can feed my kids off of that 12.00 for a few days.

I guess the biggest lesson I have learned is going back to the days of my youth where food was cooked at home and grown in a garden is not such a bad thing. Instant gratification should be a treat not a way of life.




FangsNfeet -> RE: How Are You Coping with the Recession? (6/21/2008 10:56:03 PM)

quote:

ORIGINAL: SingleRarity

So you give up everything else, but still buy cigarettes?  Seriously?


I have a brother who switched from buying packs to buying the tabacco and paper to make his own cigarettes.  




RuheMaus -> RE: How Are You Coping with the Recession? (6/21/2008 11:10:20 PM)

quote:

ORIGINAL: FangsNfeet

quote:

ORIGINAL: SingleRarity

So you give up everything else, but still buy cigarettes?  Seriously?


I have a brother who switched from buying packs to buying the tabacco and paper to make his own cigarettes.  


i am doing that, myself!  Though i have had to cut back on cigars... :(




came4U -> RE: How Are You Coping with the Recession? (6/22/2008 12:15:11 AM)

quote:

So you give up everything else, but still buy cigarettes?  Seriously?


lol




pinkieplum -> RE: How Are You Coping with the Recession? (6/22/2008 2:20:59 AM)

quote:

ORIGINAL: DomAviator

Recession? What recession? Things are booming here in Houston... Honestly, I dont notice any recession. Business is up, retail sales are through the roof and Im constantly being baited in to buy something, and my investments are paying off handsomely. I dont see this "bad economy"everyone is talking about.


Really DomAviator?  It would be nice to be able to direct P/pl to a different part of the country where the economy is strong and T/they can find work, etc.
 
i have a Man friend in the Dallass-Ft Worth area who reports that the ecomomy there sucks....i have no geo skills at all.  Is Houston far away from Dallas-Ft Worth?
 
Do You think the ecomony in Houston will continue to remain strong even if surrounding areas slip into recession?  i'd hate to have S/someone move and then in a year watch things turn to sh*t again.
 
Just out of curiosity, what 'economic indicators' are You watching to determine the health of Your local economy?
 
Thanks.
 
pinkieplum




pinkieplum -> RE: How Are You Coping with the Recession? (6/22/2008 2:27:01 AM)

quote:

ORIGINAL: PainSmith

It's odd, not all industries are affected by it. My industry is running short of people, not jobs.

I guess Europe is in a different economic state to the US. All the same, there is a dramatic slowdown here in the construction industry in some countries, including Ireland.

Is the computer industry resilient in the US, or is the recession biting there too?


O Gawd, PainSmith -- the IT industry seems to have been hit almost as hard here as heavy industry.
 
First the big IT companies exported customer service jobs overseas...now they are shipping out programming jobs as well.  I only have two F/friends in the IT business who are still feeling secure about the future.  One is in upper management of a mid-sized IT company; the other is a small businessman who installs and repairs pcs and networks.
 
pinkieplum




pinkieplum -> RE: How Are You Coping with the Recession? (6/22/2008 3:27:38 AM)

quote:

ORIGINAL: Termyn8or

Absolutely N/no O/one i know writes quite the way You do. i just love reading Yr stuff, Terrmy.

I used to spend $9 a day on cigarettes, Winston Select, until they discontinued them. I tried other brands but nothing hits the spot. I refuse to pay top dollar for something I don't want so I found a good source of tobacco, and now have a Woman making me cigarettes for $5 per carton. Tobacco and tubes run about $10 and the machines are about $50 for the good ones.

This has always been a deficit of mine.  i never know how much cash i have in my purse; or what the daily costs of any item might be; or how to 'break down' budget items into smaller classes.  All i know to do is pay the rent and utiltlies and then project a weekly budget for the weeks ahead until the next check arrives.  Still, i have managed with my limited skills to survive thus far. 
 
One of the biggest things was to stop giving away. No more junkets to Mr Hero with the crew, and I mean junket because when an order of fast food gets to be $30 something has to give.

Only rarely do i take S/someone out for a meal.  i haven't been able to afford that for ages.  On the rare occassions when i eat out with S/someone, W/we go dutch.

Don't get caught with those cigarettes, that is illegal. If anyone ever says anything just say they are a gift.

F**king government.  Thanks for the heads up.

And now I only buy cases of beer. It is the most cost effective way. I do have enough control to stop when it is time to stop, and not just drink the whole thing. If not, the plan would not work.

He, he.  i don't drink and if i did it certainly wouldn't be beer.  But then Yr probably not grieving over the lost opportunity to get regular pedicures, LOL.

There is another substance that I now buy larger quantities of to save money.

So I am saving about 20% on beer, 25% on 'substance' and a whopping 66% on cigarettes.

Back to the cigs, pink, if you like I can put you on this list to get one of those cig making machines, I would get a little credit for it. They will send you the machine for free and all you do is buy their tobacco and tubes. Later you can unsubscribe from the tobacco deal and keep the machine.There are several places locally with quite a selection of different tobaccos. The tobacco from the company with the machines is quite good though and you can just stick with it if you are satisfied with it.

May i please try a pack first to see if i like them?  i've tried generic brand cigarettes and i just can't stand them.  The tobacco is so loosely packed i never feel like i'm actually smoking.  Thanks for the offer, Termy.

I don't know what brand you smoke, but be it menthol or not, lite or not, they have the components. For lites you order lite tubes, the filters are different.

Salem Slim Lights 100's.

I am about to pickup a carton today. Almost ran out so I bought a pack of Pall Mall. The homemade ones are actually better than the Pall Malls.

Right now I have two Selects left. They are in original packs and up on my knick knack shelf. They go well with the fondue pot still taped together from the thrift store, the OLD Cleveland Browns and Indians glasses, and the one stolen from Red Lobster, the boat made out of the pounded metal that is then blackened with a torch and then buffed (does anyone know the name of that type of art ?), the booze bottles and the 350 Chevy semi-race camshaft which doubles as home protection when a gun is not necessary. About the Confederate flag up there, I remind you that there were abolishionist states in the south.

What's a camshaft?  Excellent move -- stealing a glass from Red Lobster. But i gotta say Termy, You sure do decorate differently than i do, LOL.

Next I plan to start cooking alot more, which will delight some if they happen to be around. I used to NEVER eat out or order, but I got tired of cooking. Well now I am tired of working as well, so I will start again. At least when you cook at home and sometimes people just show up, it is nothing to give them a plate of food. But even buying fast food for other people can get into some money. Even at today's prices you can give them a Filet Mignon at home for what a double meat Roman burger costs. Actually recently I made stroganoff the right way, with filet mignon, I will be doing it again.

i'm not cooking.  i absolutely refuse.  i hate everything about cooking, from the shopping to the crowded cupboards to the prep work to the mess -- and all for what?  The hell with it -- i can always heat up a can of soup.  (i know this makes me a little odd, but i dun care.)

When I make stuff like that there is never enough. The one time I made paprikash I used six chickens, I had to borrow a pot because I didn't have one big enough. So many people got on the 'list' that it was gone the next day. But still, what does a chicken cost ? The rest is water, butter, flour and imported paprika (well onions too). The dumplings used to be cheap until eggs started getting ridiculous. But even then it is cheap.

It costs me about $25 to make a nice pot of spagetti sauce now, but you get so many servings out of it, just do the math. I always put in extra meat and since I don't like to eat alot of pasta, that gives way to sausage and or meatball sandwiches later. Just like the pizza place charges like four bucks for. But I don't have that much into it. I also make my own pizza, but really don't save any money on it because of how I make it. But I get a better pizza. Unfortunately again there are seldom any leftovers unless I make two. One f the secrets to making a good pizza at home is a good cooling surface.It must come out of the pan as soon as it is done in the oven, then you have to let it sit, have a cigarette and then move it for further cooling, you have to let it exude it's excess moisture. I use a marble slab for that, it works really well.

But now we are going into summer and I won't be cooking alot of these things. I don't know what to do right now but maybe more fried foods, cookouts etc. All I know is that ordering out is a drag on my personal economy. It's probably going to be more stirfrys and things like that now. I REALLY know how to spice chicken.

i know You like it here Termy, but i'm not quite as content.  i can't find a decent chinese food place that delivers.  There are no Thai or Vietnamese resturants near me.  i can't find a Jewish deli anywhere.  i hate the baked goods -- even the ones from the bakery.
 
i don't have much of a 'palate' and i'm certainly not a 'foodie', but i can't eat stuff that grosses me out -- and Eastern European cooking (at least as it's done around here) defintely gags me.
 
i'm a bit resentful about this. i moved house from Florida to a 3rd or 4th market city up North and i expected certain amenities.  Diversity.  Great FM radio.  Better medical care.
 
Then i get here and the radio just sucks; the food is strange and there are few alternatives, i live right next to Parma, which has no non-white residents, etc. etc. etc.
 
i will say the museums and such like down in University Circle are wonderful, and there are little pockets of the city i love -- Lakeland, Little Italy, that funky part of Rocky River.

i love the downtown area too.  i've never felt unsafe there; i can park for free if i'm willing to hoof it; and there is some interesting architecture, especially down by the courthouse.

And I don't think I'll be putting my AC units in this year. I made it through those 93 degree days already, so with good fans, well, I should be able to get by.

i guess it depends on Y/your home's design and Y/your personal tolerances.  i can't get a cross-breeze going in this townhouse.  But my house in Cincinnati had a whole house fan; it was great.  i really did not miss A/C and it wasn't loud either.

Main thing right now is to get the Buick running. It gets alot better mileage than the truck, but it has a wiring problem (oh joy). Meantime looking for something even better on gas. I bought it because parts are cheap and they are easy to fix. Well this one stuck it to me with a problem that is not easy to fix. That is the next thing to deal with. But even then it is a Park Avenue and at best it can give 20 MPG, possibly a hair more if driven just right. Need something better, just a little shitcan to get to work in. A four banger, possibly with a stickshift. The only thing I might carry back and forth to work is paper or a CDROM. My tools are there, and even they would fit in a shitcan if I were to quit or something.

T

O Gawd i dread anything to do with my car.  Right now i need to send in the registration fees --which are really high -- and replace the windshield wipers.  It's hard for me to 'guess' when to change the oil because i drive so little, but i'm sure it needs that too.
 
Weirdly, both oil changes and dry cleaning cost twice as much here as they did in Florida.  i suppose it's some environmental thing.
 
*hugs*
 
pinkieplum 





pinkieplum -> RE: How Are You Coping with the Recession? (6/22/2008 3:45:45 AM)

quote:

ORIGINAL: BOUNTYHUNTER

Traveling less,vacations closer to home,staying out of debt,making do with 2 older vechs,When times are bad I believe in starting a new business so thats what we have done,A drop shipping electrons business,just getting it off the ground...Staying debt free is the key at any time,limiting the use of credit cards etc..bounty


i agree with You Bounty, particularly about starting a business. If things are really bad, at some point Y/you run out ways to cut expenses and have to focus instead on generating income.
 
i think my nephew could easily pass the electrician's license exam. (i don't know though what the state requires before Y/you can take it; he has no Associates' Degree or anything.)  If i had my way, he'd become a licensed electrician and join the Union, and run his own electrical maintence or installation business.
 
i worked with the Small Business Admin Office up here, Bounty, and they have a great deal to offer small businessmen.  If You have any interest in this, email me on the other side.
 
pinkieplum




MyMasterStephen -> RE: How Are You Coping with the Recession? (6/22/2008 3:50:41 AM)

I'm buying gold and going to auctions to pick up bargains, either for myself or to hold until the economy turns around.




DomAviator -> RE: How Are You Coping with the Recession? (6/22/2008 4:36:23 AM)

quote:

ORIGINAL: pinkieplum

quote:

ORIGINAL: DomAviator

Recession? What recession? Things are booming here in Houston... Honestly, I dont notice any recession. Business is up, retail sales are through the roof and Im constantly being baited in to buy something, and my investments are paying off handsomely. I dont see this "bad economy"everyone is talking about.


Really DomAviator?  It would be nice to be able to direct P/pl to a different part of the country where the economy is strong and T/they can find work, etc.
 
i have a Man friend in the Dallass-Ft Worth area who reports that the ecomomy there sucks....i have no geo skills at all.  Is Houston far away from Dallas-Ft Worth?
 
Do You think the ecomony in Houston will continue to remain strong even if surrounding areas slip into recession?  i'd hate to have S/someone move and then in a year watch things turn to sh*t again.
 
Just out of curiosity, what 'economic indicators' are You watching to determine the health of Your local economy?
 
Thanks.
 
pinkieplum


Dallas is about 2-1/2 hours above Houston. The indicators I am using are a bit simplistic - but I cannot drive from my house to go get a pack of smokes without seeing a half a dozen "Help Wanted" or "Now Hiring" signs. I am constantly deluged with inquiries from people wanting to get private pilot's licenses - a recreational activity that costs at least $100 an hour plus to engage in. (and that fucking KILLS me too, because I dont do training for the private rating except in "special cases" - meaning women I date, teenage children or bedbuddies of major clients, my dentist's husband, my lawyer etc...) Everyone is buying vehicles, boats, jet skis, big ticket consumer items like 60" TV's, etc... The Port has containers piled 8 high and they are spilling out onto adjacent leased property, the refineries are booming, and every time I take money out of the ATM despite my spending like a drunken sailoir there is more in my account there than  there was when I last looked.

Frankly things are so good with such deals and sales and "buy now pay later" / "0% financing" incentives that I really have to stop and say Kev, what the fuck are you doing - you dont need a bass boat!!! (I live on the bay, and have a saltwater boat for the gulf and a "party barge" for the four or five times a year I go up to the lakes.) Kev, you already live on the bay you don't need a beach house in Galveston - its only 1/2 hour away! Kev, you already have an X-Box 360 you dont use why do you have a Wii in your shopping cart! Kev, your leather furniture is a year and a half old you dont need that... Kev your Harley has less than 900 miles on it - why would you trade it in! LOL I mean "keeping up with the Jones" around here is like the fucking arms race during the Reagan years... Everybody is buying - even my friend who, until August when she starts teaching, is a Walgreens cashier and part time bar waitress has a two month old Mustang GT Premium Convertible. Thats like a $34,000 car - and its her third vehicle - she already has a tricked out Ford Ranger 4x4 pickup and a Harley-Davidson Sportster. Not too shabby for a girl who just finished college and hasn't even started a "real career" yet.   

I have a freezer full of food, yet I order in or eat out 4 - 6 days a week and eat out for lunch every single day and the place is usually packed and/or my order will be delivered in "an hour to an hour and a half". I have friends who own "luxury service" businesses, ie things nobody really needs like massage, day spa, manicure / pedicure and they are booked up solid - to the point that I had to get Britt in after hours. If I need to go to Walmart, I either send someone or I go in the middle of the night because otyherwise I will spend 1/2 hour or more in the checkout line...

If there is a recession Im not seeing it because people are spending, and there seems to be no shortage of money around... Now, I will admit that housing prices are down - which is good as far as Im concerned and foreclousures are up - which are also good in my opinion as that isnt a recession it is a "market correction" of socioeconomic status in that it gets the riff raff out.. During the "easy mortgage have a pulse you qualify" days, some people found themselves buying homes they cant afford, in communities they dont belong in. Im sure some people will jump my shit for this and call me an elitist asshole or whatever - but if you are a janitor at the school and your wife is a maid at a motel you need a 1200 sq/foot home in Pasadena not a 4800 sq foot home in Clear Lake... It comes down to individual financial responsibility, I mean nobody aspires to live in "Stinkadena" but the realities of life are that the closer you get to the bay the more $$$ you should expect to pay. Some people bought homes that they should have been cleaning or mowing, not living in, and as a result they dug themselves a financial hole and lost them. Thats not a recession thats a reality check.

Even in the places like Pasadena, things are good when people stay within their means. They still have the new cars in the driveway - but they are stock Explorers not Eddie Bauers or Hummers. They still have the packed resteraunts but they are tacquieras not seafood places, etc... Its when people try to rise above their station in life without a corresponding increase in income that things go to shit...  




pinkieplum -> RE: How Are You Coping with the Recession? (6/22/2008 5:49:09 AM)

quote:

ORIGINAL: FirmhandKY

quote:

ORIGINAL: DomAviator

Recession? What recession? Things are booming here in Houston... Honestly, I dont notice any recession. Business is up, retail sales are through the roof and Im constantly being baited in to buy something, and my investments are paying off handsomely. I dont see this "bad economy"everyone is talking about.


There isn't a recession, nor is the economy particularly bad.

It's the media, trying to pump up the Democrats again.  Happens every election cycle that a Republican is in office.

And immediately after the election of a Republican majority or President, you'll see endless stories about "the homeless problem" ... that seemingly comes into existence the day after any election that Democrats lose.

Firm



There sure as hell is one here, Firm. Both the City and County are verging on bankruptcy.  'Nonessential' government services -- like public transport for the handicapped -- is fast disapearing.  Mental health care for the poor is virtually non-existant. 
 
The state's budget is in the same shape, so funds that in the passed were handed out to local governments have been cut or eliminated where possible.
 
The housing market is bad is some areas, and competely collapsed in others.  Banks have begun shutting off their customers' lines of credit where they were backed by equity in their home.
 
We've already slashed the police and fire departments by 60% and more cuts are coming.
 
Food costs and gas costs are both up, and rose drastically in a short time. 
 
Employers are still leaving the area, and every business that leaves or closes reduces tax revenues to the city & county, and in mna  cases, loss of revenue to businesses that supported the employers.
 
pinkieplum  




xxblushesxx -> RE: How Are You Coping with the Recession? (6/22/2008 5:53:02 AM)

I sent you an email with a paper I wrote recently that might give you some ideas.




xxblushesxx -> RE: How Are You Coping with the Recession? (6/22/2008 6:03:59 AM)

Well, I live in the same area as Firm, and we have been affected. HM is a doctor, (twice over), and yet, food and gas prices have put quite a crimp in our quality of life. Of course, I am in school and not working, so that is a factor as well. One thing I have tried to do to off-set this, is to attempt to get Him some expert witness gigs, and to submit some book proposals to the proper channels.





sirsholly -> RE: How Are You Coping with the Recession? (6/22/2008 6:08:25 AM)

we live in the middle of nowhere so the approx cost to drive to the grocery, mall etc is $10.00. Needless to say i have cut these trips down to 1-2 times a week




xxblushesxx -> RE: How Are You Coping with the Recession? (6/22/2008 6:31:19 AM)

They have shut down many of the public pools, they are raising the price of bus fare, our state government is on a hiring freeze (until July 1, I believe), the schools are asking to raise cost of tuition and are crying because they can't raise it as much as they want, the price of food has gone up exponentially, but our area does not have any sort of recession? Really?

Not to mention what's happening with Ford, Whirlpool and many other companies in this area, which so many have relied on for so long..




KatyLied -> RE: How Are You Coping with the Recession? (6/22/2008 6:57:22 AM)

I work two jobs and I don't feel particularly hard hit.  Yet.  My eldest has moved back home and is unemployed.  As a result I'm spending a lot more on food than usual.  To compensate I've reduced, drastically, the amount of meals/lattes I buy at restaurants/delis.  This has made a big difference.  I may not feel so comfy, starting in July, when his student loans come due, if he isn't working at that point I will have to scrape up the money to pay those.  I hope he gets a job and soon.


edit, grammar




pinkieplum -> RE: How Are You Coping with the Recession? (6/22/2008 7:10:02 AM)

quote:

ORIGINAL: SingleRarity

quote:

ORIGINAL: pinksugarsub

i do not buy anything anymore.  No clothes, no stylist visits, no presents, no trips to fast food resturants, nothing whatsoever.  Just rent, utilities and food.  ( i admit it though; i'm going to see my stylist in July and i'm going to give my UM a birthday present.)
 
i am depositing money in my UM's account and she's sending me cigarettes at about 50% of the cost of buying them locally.


So you give up everything else, but still buy cigarettes?  Seriously?



Were You being serious in asking?  Gawd, these boards need some sort of musical function so sarcasm can be communicated effectively.
 
pinkieplum




pinkieplum -> RE: How Are You Coping with the Recession? (6/22/2008 7:22:17 AM)

quote:

ORIGINAL: xxblushesxx

I sent you an email with a paper I wrote recently that might give you some ideas.


i received it, read it and responded.  Okay -- i checked yr profile and yr out of yr 20's but even so, i am still amazed that you've been able to master grammar, punctuation, composition and citation, given the decline in public school quality over the years.
 
i can assure you, these skills are rare and will greatly aid you in school and in competiting n the job market.
 
i agreed with both your reasoning and your conclusions, and i thought the paper was just outstanding, blushes.
 
pinkieplum




xxblushesxx -> RE: How Are You Coping with the Recession? (6/22/2008 7:26:00 AM)

Thank you very much!

(I was a bookworm nerd as a child...still am...so, that is why I know how to spell and use the English language properly!)

My teachers complained I read too much!




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