One of the multiple issues with policy debates nowadays is that they often tend to be not open and taken all to literally. Take the “difficulty” of inflated gas prices. The answer? Tax the oil businesses! Put a cap on prices! Start investigations into price gouging! Remove environmental restrictions on clean-burning gas!

Thats ignorant. We should take different look. Here are a couple of pertinent facts:

* It’s beneficial that gas fees are rising. We want people to purchase more fuel-efficient autos and we want people to drive less. In the long run, oil prices are going to rise up whether we like it or not.
* The poor are the ones hit hardest by high gas prices, they have the least income and oftentimes are stuck in living and work situations that don’t allow them to drive less.

Even so, there are a few policy decisions, some local, some federal, just randomly, that make a lot more sense than whining about the oil industry:

* Cut the tax from the payroll — place more money in the hands of the low income folks, the working poor. Figure that in by increasing taxes on the wealthy return them to the rates we had back when Clinton was around, which allowed for alot of economic growth, thanks.
* Finance and develop urban transit systems.
* Raise the corporate average fuel economy standards.
* Provide federally-funded, high-speed internet connections, all over — very similar to interstate system — and give rewards to employers who allow employees to telecommute.
* Provide government health coverage , perhaps then people wont be so terrified to change jobs.
* Tax the hell out of fuel-inefficient cars and truck purchases and send the money into rewards for fuel-efficient vehicle purchases.

The point is to help the nation get ready for and adapt to increasing gas prices, not to force lower prices.

Thats right, there is a painless way to shop for furniture.

I used to hate shopping for furniture, I felt like I was being hunted from the moment I entered the store. Dont make eye contact!! my inner voice would scream. Inevitably I would… And also inevitably I had a salesman following me, like a stray I gave a biscuit to. Thing is, when I need or want help, I am fully capable of letting them know. Why do furniture salespeople stalk us??

But there is a painless way to buy furniture. Frankly, these guys impressed me, and its because they WANT your business, they want to show you that better way.

In a nutshell, heres how it works: You want a dining room furniture set for example. You shop their online catalogue, then the item is sent to your location via one of their convenient warehouses. They work some odd hours to best serve their customers, so you might try calling them and asking them some questions as well. By the way, since they dont have the showrooms you and I hate so much, theres no large overhead. Whats that mean to me? Lower prices.

So thats how you free yourself of the furniture store stalker.

I been thinking about getting a credit card.

Seems the process is not to entirely difficult. I would then be able to live a bit between checks.

I would seek to get one with no annual fee and a low interest rate. Hey a Walmart credit card would let me get a sweet Dell computer for like 18 dollars a month! Hmmm.

Of course some places offer cash back credit cards, which give you a portion of your spending back at the end of the year. Very nice for the shopaholic. Theres always balance transfers to move the balance of a card with a higher interest rate to one with a lower one, allowing you to save money that way.

I guess like all things you must compare credit cards before deciding a financial decision of this caliber.

I like Zookoda, allow me to elaborate.

Zookoda makes things super simple, and by simple I mean a kid could do this. Head over to Zookoda.com to follow along.

You just sign up, and enter the pertinent information for your blog. Let zookoda know when and how often to send a newsletter comprised of your rss/atom feeds to your subscribers. Readers subscribe via a little registration box made fo code zookoda supplies to you. Easy right?

Its quite apparent that sending blog summaries to your readers will boost your site traffic. It reminds your readers that your blog is active and shows them what current content looks like.

I thought I would need to make a second account for a different blog, but I was wrong! Zookoda allows me to have multiple blogs and contains settings for each blog I add. Did I mention Zookoda is free? Yeah, its free and it works!

I am boggled by the length of time it took to get a service liek this to the blogging community, but now that its here I cant imagine not having it. I am pleased I have a way to reach my readers, especially those that may not understand how to use a rss aggregator. Now I can send them my posts at regular intervals. This is email marketing simplified!

Yeah, we all want it, but how exactly does one get money? Theres the working method. Thats good for paying the bills, but suppose those the hot girl ( or guy) you want to impress, Fridays on its way, but your check it spent! Argh! The bills!

So here’s what i do:

I get a personal loan from a trustworthy lender, this gets me through the pinch, and can really impress the girl. *smiles*

Theres an alternative for those of us that require it, and its often the best and fastest choice, a secured loan will often do what you thought impossible.

Both of these options are viable and recommended. I have found the very low fee I pay is more than worth the pleasure and success I enjoy because of the extra money I possess on the weekend, or on vacation.

I enjoy UKpersonalLoanStore.co.uk because they are fast, friendly, have the best loans.

1. The Blue Man Group for sure! They are over at the Astor Place theater. Even if you are a dance music fan, you will LOVE this show! A trio a blue guys who dont speak, catching objects in their mouth and playing the strangest instruments, they really get the crowd involved! Great time! Very fun.

2. Avenue Q. Check them out over at the Golden Theater. Quite a bit different from the Blue Man Group. Its alot like broadway, but with muppets singing satyrical songs.

3. Whitney Museum,
Rudolph Stingels’ work is currently being displayed, and should not be missed

4. Pace/MacGill Gallery is currently exhibiting some world renowned  photographs  from many famous collections/

5.Chelsea Market: A fantastic place to catch an inexpensive breakfast or lunch, it boasts some fabulous bakeries to boot!

**JoJo is definately my fave eatery in the whole city. It’s not as stylish as some other places, but they are awesome. The food and service are top of the line, every time. It’s a  converted townhome over on the Upper East Side.

Theres a natural ingredient in black tea that makes it something like a dye. If you want highlights, a bunch of shine, and yet still darken you hair, this mya be something worth trying for you. Just brew 2 strong cups of black tea, and just use it to rinse the shampoo out of you hair  after you wash it. Careful! Very strong black tea could stain your skin a bit.

Alone, Black tea isnt terribly effective for dye jobs, theres a few  other ingredients needed for it to be truly effective. These other ingredients have a great side effect, they make your hair thicker, prevents fall out, and your hair will grow faster!!

Perhaps you wanna try it:

~~ A cup of Black Henna

~~ 2 cups of plain yogurt

~~ 10 black tea teabags
~~ a cup of water
**a cup of water
Soak the teabags in plain water, til the brew is very strong. Then simply use this water to mix up the henna and yogurt together. Apply to hair, cover, and let it sit in your hair for 6-8 hours. Wash your hair normally, and you will see the dramatic and wonderful change.

Since henne coats and seals the hair shaft, it actualy protects your hair. Doing this 2 times a week or so and your hair will be noticeably healthier. I

If you are younger the age of 59 1/2, you cannot withdraw money from your 401(k) plan to buy your first house without  a 10 percent additional tax on early distributions from qualified retirement plans.

However, depending on the rules for your 401(k) plan, you might be able to borrow money from your 401(k) plan to buy your first home. Similiar to using the fund as a collateral. Interest and payment may vary but it seems to be worth looking into.

Sometimes we as people make mistakes. Perhaps you got a few bad marks on your credit report, but you paid them off, yet they are still there causing difficulty. Lets address this.

Contact all 3 credit bureaus immediately about those negative accounts. Tell them that those are the specific accounts that you are disputing and tell them that those accounts are wrong, that they are now paid in full.
In the interest of saving time when dealing with the credit bureau’s send a copy of your license with your letter, also send a copy of your proff of residency, and a social security card copy.

Once this is all settled, your credit score should improve in 6 or so months.

I would conjecture the reason there are 30-day CDs is so you can have very liquid assets. Buying a 30 day CD with cash you dont immediately need would be slightly profitable, because you would recieve  marginal interest.

Of course, the shorter the CD, the less the interest rate, so naturally a 30 day CD is rediculously low. This is better than nothing however.

Would it help your credit? Well it wont hurt it, but wont help a whole lot either.