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Business / The 9 People In Your Life Keeping You From Getting Rich by Scamfender: 9:14pm On Dec 05, 2014 |
You don't always need any help making dumb financial choices … but these people might be inadvertently rooting you on. 1. Your spouse There are many ways your spouse can hurt your finances, even if she has good spending habits. For example, your spouse has no credit history because she got a full-ride scholarship to college and paid cash for her car. When you jointly apply for a home mortgage, you might be rejected for the loan or charged a higher interest rate for a joint loan due to her lack of credit history, even if your own credit is spectacular. The shopaholic wife driving a couple into poverty is a tired and stupid trope. In fact, hardworking spouses are often the accidental cause of financial mayhem. If a couple with kids is paying more in taxes because their double income is putting them into a higher tax bracket, they should do the math to see if it's financially more profitable for one spouse to be the stay-at-home parent. Fair warning: Discovering that you're worth more to the family budget as a dependent on your husband's tax return than as a respected professional is an ego-crushing experience for wives who love their work but make less money than their husbands. Regardless of who stays home with the kids, it's worth running the numbers to see if a double income actually makes financial sense. My friends Katie and Marc discovered a few years ago that they were spending the equivalent of Marc's entire salary on childcare, gasoline, and other related work costs. Marc, who made less than Katie, decided to quit his job and stay home with the kids. With Katie as the sole breadwinner, they fell into a lower tax bracket, no longer needed the help of a nanny, saved on gas money, and put less wear and tear on Marc's car. As a full-time worker outside of the home, Marc was only adding $2,000 a year to the family's savings. As a stay at home dad, Marc adds $17,000 to the family's budget. 2. Your kid Based on a survey by the U.S. Department of Agriculture, the cost to raise a child born in 2013 to the age of 18 is just over $245,000. Depending on your income and where you live, this number could be higher or lower, but the fact remains: having a child is the single most costly thing that most people will do in their entire lives. Although the high cost of having children is common knowledge to just about everyone, according to the Guttmacher Institute, 51% of pregnancies in the United States are unintended. Although many accidental parents are happy with their unintended offspring, what this statistic says is that over 50% of American families are just winging it with their finances, and that's kind of crazy. Would these same people accidentally buy a house for $245,000? Okay, okay. Comparing the pleasure of parenthood to the pleasure of homeownership is like comparing apples to oranges, but I'm hard pressed to think of another $245,000 investment that more than 6.6 million families would fall into without foresight each year. The best thing that parents can do to ensure the financial well- being of their family is to plan their parenthood. When you have children, how many children you have, and where you raise your children all have a direct impact on family finances. 3. Your parents While growing up with my parents' near pathological, Scrooge-like tight-waddery was no fun, I'm grateful as an adult to have parents who saved enough for retirement. Even though the financial downturn of 2007 knocked my parents' retirement fund down by 45%, they still have enough money to live comfortably for the next 25 years. Alas, my parents are the outliers in this scenario. Many of my friends are now faced with the financial double- whammy of supporting both their kids and their newly poor parents. What I find shocking is the number of young people forced into supporting their financially irresponsible parents who live extravagantly with no thought to how they will pay the bills once they leave the job market. Even if you hate your parents. Source: http://www.scamfender.com/2014/12/the-9-people-in-your-life-keeping-you.html?m=0 |
Webmasters / Web Contributors Needed!!!get Paid by Scamfender: 4:20am On Nov 26, 2014 |
Web contributors needed for scamfender.com Just send ur ttopic/article which is helpful to scamfenders@gmail.com along with the source You will be contacted if your topic made it or not Announcements will be made every Sunday. The writer(s) of the top 2 most viewed topics will receive 500N each Ask if you have any questions |
Science/Technology / Re: SHOCKING: Huge Snake Killed In Festac-lagos This Morning. (pictures) by Scamfender: 4:12am On Nov 26, 2014 |
Old pic TheRealMrStan: |
Nairaland / General / Web Contributors Needed!!!get Paid by Scamfender: 7:43pm On Nov 25, 2014 |
Web contributors needed for scamfender.com Just send ur ttopic/article which is helpful to scamfenders@gmail.com along with the source You will be contacted if your topic made it or not Announcements will be made every Sunday. The writer(s) of the top 2 most viewed topics will receive 500N each Ask if you have any questions |
Celebrities / Re: [PHOTOS] Linda Ikeji Goes Half nud* by Scamfender: 1:56pm On Nov 22, 2014 |
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Education / Re: I Schooled In France Trend by Scamfender: 1:55pm On Nov 22, 2014 |
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Celebrities / Re: Popular Radio Presenter Chaz B Is Dead by Scamfender: 1:51pm On Nov 22, 2014 |
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Family / Re: What's So Special About Your Age That You Hide It? by Scamfender: 1:49pm On Nov 22, 2014 |
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Nairaland / General / Which One Will You Open First *pic by Scamfender: 1:42pm On Nov 22, 2014 |
Which one will you open first
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Family / Re: What's So Special About Your Age That You Hide It? by Scamfender: 1:34pm On Nov 22, 2014 |
It's only the gods that can answer this question |
Nairaland / General / (funny And Touching)what Do You Miss Most About Your Mother *vid by Scamfender: 1:31pm On Nov 22, 2014 |
Nairaland / General / Re: Get Free Airtime Of Any Network By Just Copying Your Topics To This Email by Scamfender: 1:13pm On Nov 22, 2014 |
Note that-it is guaranteed that you get your airtime before 5 days after the results have been announced |
Nairaland / General / Get Free Airtime Of Any Network By Just Copying Your Topics To This Email by Scamfender: 1:08pm On Nov 22, 2014 |
You can get free airtime of yur choice by just copying and posting your topics to this email Scamfenders@gmail.com Which will be reviewed and then sent to scamfender.com where you can check out the topic Only helpful topics are needed..no spam orr adverts pls(we will reply you if the topic is to be uploaded orr not) 500N airtime of any network will be given to the writer(s) of the top two most viewed topics which willl be announced every Sunday starting from the 30th of November 2014 And the source of your post/article should be stated at the end of your post Goodluck! P.s-feel free to ask any questions |
Computers / Re: Massive Scammer On OLX. by Scamfender: 3:54am On Nov 21, 2014 |
With scamfender u can pay into any1s acct and be rest assured that your goods will get delivered to you. Protective Umbrella for both buyer and seller. |
Business / 9 Quick Success Tips To Make More Money by Scamfender: 3:49am On Nov 21, 2014 |
1. If you want something bad enough, there is a way! 2. Start a journal and track every thing you have conquered. Be sure to award yourself for a job well done. 3. If something appears too good to be true – IT IS! Always conduct thorough research and never jump into opportunities that look perfect. 4. Those little things can quickly add up to a big mess if not taken care of in a timely and efficient manner. 5. Look at ways that you might find new customers, increase productivity, or resolve issues. 6.Learn as much as you can from every person you meet. 7. Guard your Emotions 8. "Are you practicing them?" It's not what you know that will earn you more money, but doing what you know. 9. Try to live every day as though it were your last. Source: http://www.scamfender.com/2014/11/9-quick-success-tips-to-make-more-money.html?m=0 |
Technology Market / 4 Steps To Becoming Internet Famous by Scamfender: 3:18am On Nov 21, 2014 |
Whatever your specialization, you can enhance your authority as an expert via online sharing. These methods have worked for me. 1. Write a blog. Post at least one thoughtful article each week on a subject helpful to your readers. You may soon be invited (or you can offer) to contribute to other blogs, thereby expanding your audience. 2. Offer a newsletter. Compile a monthly or weekly email with tips, article links, event announcements and exclusive offers, and send it to your mailing list. 3. Write guest columns. When you contribute to online news hubs, you increase your audience, attracting more eyeballs to your blog or newsletter. 4. Tweet. Often. Post something that interests you on Twitter several times a day. Others will catch on. Whatever online methods you choose, be sure to refresh your content regularly. Source: http://www.scamfender.com/2014/11/4-steps-to-becoming-internet-famous.html?m=0 1 Like |
Science/Technology / Re: Top 8 Rules Of Avoiding Scams by Scamfender: 3:04am On Nov 21, 2014 |
SuperMartins:hmm u mind sharing your story |
Science/Technology / Top 8 Rules Of Avoiding Scams by Scamfender: 2:46am On Nov 21, 2014 |
1. Deal locally, face-to-face —follow this one rule and avoid 99% of scam attempts. 2. Do not extend payment to anyone you have not met in person. Beware offers involving shipping - deal with locals you can meet in person. 3. Never wire funds (e.g. Western Union) - anyone who asks you to is a scammer. 4. Don't accept cashier/certified checks or money orders - banks cash fakes, then hold you responsible. 5. Transactions are between users only, no third party provides a "guarantee". 6. Never give out financial info (bank account, social security, paypal account, etc). 7. Do not rent or purchase sight-unseen —that amazing "deal" may not exist. 8. Refuse background/credit checks until you have met landlord/employer in person. Source: www.scamfender.com/2014/11/top-8-rules-of-avoiding-online-scams.html?m=0 |
Music/Radio / Download And Listen Or Watch Olamide-skelemba Ft Don Jazzy(audio And Video) by Scamfender: 6:38pm On Nov 19, 2014 |
Watch or download the video or audio of the song click here for the song and video'also available for download ' Any complaints or acknowledgement. Please comment here
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Education / 7 Ways You Waste Mental Energy Without Realizing It by Scamfender: 3:27am On Nov 19, 2014 |
Adulthood is exhausting. With the responsibilities of work, family, friendships and more, we are expending a lot of energy and are even limiting the amount of rest we can get to replenish it. At this point in my life, I figure I should save as much of my energy as I possibly can for the important things. These are some ways I've found that I was wasting energy and I didn't even know it. 1. Allowing background noise: Background noise raises stress levels , making it harder for us to focus on concentrate. When we continually require ourselves to perform tasks with noise — even if it's just a droning air conditioner — we are using more energy than we need to. While it might not be possible to eliminate all background noise, especially in our loud world, you can almost always do something to make it quieter. Buy some noise cancelling headphones and wear them without listening to anything, use earplugs, or turn off the TV to save your energy. 2. Giving away your power. There are so many ways to give away your power. The basic idea, though, is that you give away your power when you say or perceive that someone or something else is in charge of your life (or an aspect of it), rather than you. This can be as simple as always waiting for directions before you take action, or more complex like blaming your genes for a medical condition that limits you. When you give away your power, you give away your ability to make choices that will make your life better. For instance, you may not be able to do anything about an inherited medical condition, but you can still choose to live life to the full with that condition. Doing this will energize you. 3. Keeping lists in your head. Sometimes, I find myself exhausted because I'm trying to remember so many things. When I take a moment to write them down, my mind can relax because I know I won't forget anything important. The simple act of writing things down saves me energy now, but it also saves it later. If I insist on keeping all my lists in my head, I almost invariably forget something. That causes all sorts of stress and wastes so much mental energy later, when I have to scramble to pull something together or apologize profusely for missing an event. 4. Checking email more than twice a day. Most people really only need to check email twice a day. Most of your messages aren't urgent and, if someone has something that you really need to know right now, they can always call, text, or come find you themselves. When you check email all the time, you're distracted all the time. Sometimes, you're even trying to check your email while you're doing something else. However, multitasking doesn't really work. You're actually switching rapidly between tasks, not doing several things at once. All of this switching takes energy, which you wouldn't have to spend if you could focus on each task alone. 5. Trying to control the uncontrollable. I like to be in control, even when that isn't possible. In the past, I've wasted a lot of energy trying to control people and situations that it simply was not within my grasp to control. When I can let go of those things, I find that I have more energy to spend on the things that it is within my power to change. Letting go of the desire to control usually comes from places deep inside of us, and you probably won't be able to let it go overnight. Start by figuring out what you're afraid of that causes you to need so much control, and begin to work with the idea of letting go from there. 6. Working long hours. Working longer hours doesn't necessarily make you more productive. In fact, productivity tends to drop significantly the more hours you make yourself work. When you're working long hours, you're wasting your energy. That energy would be better spent finding a way to rest and to rejuvenate, so that you can come back to your task later, at optimum levels of productivity. Even if you don't get every second of rest that you need, a short break will help you focus again. Source: http://www.scamfender.com/2014/11/7-ways-you-waste-mental-energy-without.html?m=0 69 Likes 5 Shares |
Health / Phone Call Usage May Lead To Brain Cancer by Scamfender: 3:09am On Nov 19, 2014 |
The longer people talk over the phone, the more likely they are to develop glioma, a deadly form of brain cancer, according to a new study. Brain tumour rates were three times more among people who spoke on cell or cordless phones after more than 25 years than those who did not use them, the findings showed. “The risk is three times higher after 25 years of use. We can see this clearly,” said Lennart Hardell, lead researcher and oncologist from University Hospital in Orebro in Sweden. For the study, Hardell and his colleague Michael Carlberg matched 1,380 patients with malignant brain tumours to people without such tumours. Researchers also compared their phone use. People who reported using cordless or mobile phones for 20 to 25 years had higher risk of being diagnosed with glioma, as compared with those who reported using them for less than a year, the study found. However, no link was found between wireless phones and malignant brain tumours besides glioma. A World Health Organisation panel of 31 scientists from 14 countries classified mobile phones as ‘possibly carcinogenic’ in 2011. Source: http://www.scamfender.com/2014/11/phone-call-usage-may-lead-to-brain.html?m=0 |
Education / Re: Only A Smart Person Can Solve These *update by Scamfender: 4:52pm On Nov 18, 2014 |
Is the blue part the front or back
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Education / Re: Only A Smart Person Can Solve These *update by Scamfender: 9:23pm On Nov 17, 2014 |
Try to count. The number of black dots in the picture below Some r white
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Education / Re: Only A Smart Person Can Solve These *update by Scamfender: 7:11pm On Nov 17, 2014 |
CallmeKola:Specify |
Education / Re: Only A Smart Person Can Solve These *update by Scamfender: 5:17pm On Nov 17, 2014 |
A man came back to his home after being away from her wife for a year. He surprised her by his visit and kissed her as she stood shocked. After that, he took this picture of hers to mark a memory. After a few days, the man killed his wife. When the police arrived and asked for the reason, he told them that his wife was cheating on him. He gave this photograph as the proof. What do you think he found in this picture that made him believe that his wife was cheating on him? Can you find out?
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Education / Re: Only A Smart Person Can Solve These *update by Scamfender: 5:00pm On Nov 17, 2014 |
Count the number of circles in the picture below (from the centre)
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Education / Re: Only A Smart Person Can Solve These *update by Scamfender: 7:48pm On Nov 16, 2014 |
CallmeKola:. Will do that tomorrow. I don't post another picture until the current one has been solved |
Education / Re: Only A Smart Person Can Solve These *update by Scamfender: 7:46pm On Nov 16, 2014 |
How will you place six X'son a X and O board without forming any three-in-a-row combination?
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