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is anyone working?

December 14th, 2020 at 07:29 pm

Not a real question just a observation in my world if someone asks me to do a task i get it done not spread it out and use the work from home as a reason it takes longer etc.

In my area there are many jobs out there offering better pay then they use to and no takers ?   People have said they are waiting to see if the "extra" in unemployment ends...... Makes no sense to me if there was a job that paid similarly i would not sit and ride unemployment until it runs out then be more desperate in picking a new job/ industry /career.....

The company i am working for has been steadily hiring but guess what many stay.... 3months which is the amount of time in this state to re-up for unemployment. People are often complaining about those who want to get back to work in a normal way as selfish and money is a priority over lives but what do you say about these people who simply do not want to work at all anymore?   sit in the floaty chairs like the movie Wall-E and wait for grub hub to drop off food and a small check from unemployment they know they can use " covid" as an excuse for the gap in their resume etc. .......LMAO

Honestly this whole situation has made me see many people in a whole new light and often not in a good way. 

 

bad DATA

December 11th, 2020 at 01:34 am

So I looked at Mint which I only  have one accounts added there but  I like the  credit score feature on Mint. 

I recently looked and found BAD info on their credit breakdown they say they use Transunion ........so i went to them to get my free credit report they offer.  One free weekly this year due to Covid.... but the item that shows on Mint does not show on transunion or experian  reports....... since it is not on my real credit reports i wonder where it came from or how to correct it.

I have had Nothing but trouble in trying to add accounts to one site to see big picture as a  CU I use ......does not want you to connect through others sites so they either dont update or have a connection issue every time.  also some items do not update for days so it is just as easy to get information from a few sites. 

I am amused at how different companies catagorize items 

my bank somehow lists all payments to Waste Management as Dining out....... LOL     

i am finding all these " helpful" features more work then doing by myself on an excel sheet. 

 

where to go from here

December 9th, 2020 at 03:57 am

Since things will be changing as some people have lost their minds over this virus etc it has made me think about where to park my cash in the future.  I think many places and past items may be gone for goodfor investing purposes.   i know if i invest in the MANY people ( mask producers/ sanitizer and even packaging for take out etc. ) making money off panic it will eventually end.....I hope soon this has been nuts. 

i think having a good amount liquid is ok but each month my interest has been falling i recently opened a cd or 2 for better return. i also was looking at the savings account from american express that is paying .60%  quite a bit better then basic bank.   I find it hard to withdraw money from my basic accounts to put into other savings options. even if in long run are a better deal. 

 

 

moving on

September 24th, 2020 at 04:16 am

i have had the opportunity to change jobs as i usually take temp assignments that end and i can find a spot in a different industry or setting.
I was talking with a friend recently and we spoke of changing jobs she never has spending many years working at the same company sure at different levels but basically the same place.
I did that early on and I was so glad to leave and found far more fascinating work.

I am just curious as to what is the decision to leave for many people. I cannot seem to find a reason to Stay anywhere had plenty of offers but i think if i am not semi happy about the work or proud of the company etc i have a hard time trying to stay.

I asked my friend what would you do if you drove to your work and saw the whole thing in flames what would be the first thing that crosses your mind...

1. unemployment or working at alternate site until rebuilt?
2. finding something else?

3. cartwheels that it has finally ended .....


she laughed and said #1 and that is when I realized I am at a #3 at my current place.

I feel bad in a way that i took it upon myself to learn far more then they expected because their version of the job was not enough work and super boring..... but now i see i just cant see myself here much longer.

I was wondering what moments other had that just said time to go.....

need motivation again

September 19th, 2020 at 04:08 am

well it took a month but i finally received my refund from item i ordered but they never delivered.

Still never found any help with IRS to tell me why we never received any stimulus check. I guess i will deal with it in spring when I do taxes. I really wonder if many of these checks (prepaid card) went missing.

I keep fighting my urge to give notice. I met the 1 year contract date and have been offered new positions that sound more interesting work situations but the money is about $5 an hour lower. I had to go in 3 times this week and the new hoops they want us to do are IMO ridiculous. I need to reserve MY own desk in an app as a way they track how many people are coming on site. we have been asked by security if we feel ok and if we had any contact with someone with any symptoms and have temp taken which is not fool proof since many with it never had a fever now they want us to fill out a 15 question survey every day we show up on computer then show guard we did it.
It is so over the top for the fact this area has very few cases and not a problem. Seems super late to implement this i could have seen it in may but now seems like only keeping score in the last quarter.

Again a meeting pushing us but trying to make it seem like it was our idea to load these various apps on our own personal phone......
NO thanks I do not use my phone or my printer etc for their business.
I am amazed at how many people seem willing to do that. The team knows if they said we had to they would need to reimburse us for use of our personal phone so they just nudge some to do it on their own.


I have beefed up my cash position and recently made some investment changes that have worked out very well. I just cannot stay motivated to just sock away savings or contributions. I think it is actually easier and more inspiring to watch debt fall then just adding to accounts.

i need to just bite the bullet and leave or find a reason to stay by creating better goals since i keep reaching the ones I set


phone call day

September 2nd, 2020 at 08:25 pm

so i have been putting off some items simply because i have no desire to get stuff done lately

an item i ordered 6 weeks ago that has 2-3 day shipping still a problem when i called them before a week after product was due it was a nightmare with customer service person just insisted NOTHING could be done UNLESS i give them my email.
so a month later no refund and no product ..... i called again In their time frame for customer service listed and just got a voicemail i asked for call back but nothing so far,

next call to IRS since the where is my payment site keeps telling me ... no match for both mine and husbands info .... the phone # given gets you to a call center that can take NO personal information they basically just read the answers from the FAQ page on the website....
i explained i needed to talk to a person to find out why they say no match even though our taxes for last few years were processed no problems.

they transferred me.... went through many press 1 press 2 etc prompts only to be hung up on.

i have a few more calls to make but this has been a very frustrating morning.

taking a look around

August 30th, 2020 at 11:35 pm

All in all I find going out places often more aggravating then staying home. Then mask fanatics and self appointed experts tend to get on my nerves.
Between the saving on transportation in work from home etc i am way ahead in money savings but what does it matter if there are very few things to do or places that are comfortable to go.



I look around in my area and see MORE people that simply are not wearing masks correctly so if over half (Especially the Men) I saw in store have their nose out an often having the mask barely hanging on i could see glimpse of lip so it was to me about the same as no mask ..... WHY are we continuing this?

Then I looked again and I see it........Logos and every other company trying to cash in on the MASK thing.
I find it amusing so many people have always paid for items like tee shirts etc to be a walking billboard and now they found more billboard space on their FACE.
With more companies each day making tons of these it seems CLEAR that many mask producers believe this is NOT a TEMPORARY market, but expect this to be forced on us for much longer or forever.
I have watched a neighbor buying into this masks all the time issue and the paramedics that are helping her with the gash she got passing out from trying to do all her yard work in a mask in high heat. ( alone in her yard plenty of distance).

always a catch

August 8th, 2020 at 01:12 am

ordering products online...

do you read various reviews and if too glowing do you question them?

do you feel like it is bait and switch when they lure you in to try a product but want you to sign up for a subscription?

I thought about trying a product as they had a special try it price.... once on website they made you jump through hoops to opt out of a monthly subscription .... why would i want to sign up for a continual delivery for an item i do not even know if i will like or if it does what the ads say?


I finally figured out a way to opt out and ordered the trial pack...they claimed 2 day shipping it has been a week....... I called and "because I did not include my email they did not process" ... there was no * saying email required.
When I pointed that out lady said "oh it was something else.... said it takes awhile to ship for some locations" even though their business office is a 20 minute drive from my house.

It was unbelievable that she would not give up on trying to get my email address. I told her to cancel the order so I will watch for my refund.
I was toying with opening a second junk email account i had one for a long time then quit using it could not remember the sign in but was told it was closed for non use by yahoo. I think it is a shame we cannot escape JUNK mail even in email.
i went through my trash file in email and counted close to 100 junk items i have UNSUBSCRIBED up to 3 times on most of this junk but it seems in 6 months they send more....

Does everyone use a second account for the BS marketing or does this not bother other people cluttering up your inbox?


never clearer

July 19th, 2020 at 04:34 pm

I was talking with a few friends and I read a great deal and always like to read comments in places that have them it shows me just how MANY people seem to think everyone is in the EXACT same circumstance.

I think People can agree on far more items then they think but too many seem to lack critical thinking about the whole pandemic thing.
Most here would say we are glad we have any kind of EF and we feel a bit more secure. Many whom still have their job may only have different protocols really do not walk in the shoes of those who have lost it all.
Those who think these programs are helping do not see the cliff ahead.... rent/ mortgage deferral is going to really snap back on many whom instead of using common sense think they NEVER have to pay back....

Those without kids may not truly see the school problem. It has been shown that ONLINE is not working for all ......studies in big cities show there are Thousands that never even logged on.
The kids who are doing well have either the desire to progress or a person maintaining the lesson plan..... the GAP in learning is widening greatly and that often translates into wide gap in finances later.
I find it sick that so many talk of schools simply as either daycare or food source for children. Teachers if older and perhaps with other conditions only are thinking of their well being NOT the learning of children.


This whole thing has depressed me that SO many simply do not take care of their own personal responsibility and instead want politicians or programs to FIX them.

The few people I know who lost their job of course are riding the "extra" unemployment but they should be thinking long term ...... the jobs listed in my area have quite a few listings not just low end items either..... for those waiting it out...... as many jobs may not come back that number of jobs GONE increases each day that areas restrict this or that.... if they wait until "extra" disappears then they will have tons
of competition for the jobs available....there is an opportunity to change things up but people seem to
ignore changes until forced into change and often with few choice at that point.

Things make no sense anymore unhealthy people have greater risk but they shut down the places designed to get people into shape .... hairdressers in MOST states their occupational license requires health concerns and how to keep customers/ themselves safe but shut those and let the kid i saw at a large store picking his nose be an ESSENTIAL worker handling food.
So many have jumped in to EXCUSE false reporting of cases :example florida labs with 100% positive results or manipulating information left out of reports..example a governor who claimed a city had their hospitalizations triple.... fact is hospital had 22 cases according to health district (5 hospitals in area)so the case before was 7? numbers kill the fear factor perhaps this guy can claim he did not LIE but anyone with common sense can see the narrative.

REALITY check many things needing to be addressed simply aren't and those who view things just by mass media and do not ask why information is NOT adding up are doomed.

candid camera

June 25th, 2020 at 03:05 pm

When I look around today I am amazed at the disconnect I see all around. where did reason go?

So many people just not thinking things through I am shaking my head... I have read articles regarding my states plan for pandemic we have had a small amount in comparison to many places but the reactions clearly do not reflect that... I saw a list ranking states by caseload how many case per 100,000 people why would states in the bottom 15 decide to try to follow states in the top 15.

Again not just addressing pocket areas of cases but instead a one size fits all mandates that have no enforcement and often loopholes you could drive a truck through.
People Need to MAKE personal health and risk decisions by themselves.

A local nursery has said NO to masks the owner said his employees have never touched their face before this as they do a lot to adjust or move masks etc... If they had anything they are spreading everywhere with their hands.
He said is customers do not want to come to his generally open air place with a few greenhouses "then Shop elsewhere",
It is insane that some have acted like he personally kicked them in the shin..... like no one in their whole life said no to them.


Friends who think they are "helping a business" by getting takeout but honestly if restaurants were not set up before this is not always working out well as added cost of take out containers and simply put some food items travel better then others....
Restaurants make money off the...
extras like beverages and desserts but these very seldom are those ordered for takeout.....if restaurants are open...just like before it is the STAFF more then the person at a table 6ft away you need to worry about that SAME staff is handling your takeout.

Finally after telling work if they have nothing for me to do I will leave ... as I cant sit for days just collecting a check ( I have had other offers).

They signed me up for more meetings where I either take minutes or just listen.....in case I can add anything...... so a person has had an ongoing "concern" about limited access rooms being propped open when vendors are working in those rooms ... his concern is that thermostat is located in there and person could change the settings..... SERIOUSLY ....

meanwhile a lab has found 48 liters of a highly flammable and possibly explosive material MISSING... but yes the thermostat item is getting more attention......
This is not an age thing as i see the complete disconnect from common sense in every age range in many different education levels ... I know there is no escape but I really need some sanity lately.







what happened to customer service

June 17th, 2020 at 06:41 pm

In getting mail yesterday i had a letter from a collection agency. I opened and found a debt from a medical visit i had to a local ER in January.

I had to wait until today as the billing group was in another time zone. I was confused as I had NEVER
received a bill and my insurance did not either.
I called today and waited 40 minutes to talk to a representative.
I laid out the scene no EOB as insurance never was billed/ no bill ever reaching me... and immediate turn over to collection. I told her i thought this was a poor business practice if this was their standard operational procedure.
My complaint is in trying to justify the representative resorted to illogical claims.

1.rep claim: "There was no insurance listed"... well this would be a subcontractor to the hospital so the hospital is the source of information.... other groups like hospital and radiology had correct information so this group was the ONLY one that did not have it or perhaps ask for it.

2. Rep claim "a bill was sent to patient and returned to them by post office" the address she had was deliverable so I doubted that and asked why no information was checked and her last illogical claim was they cannot call out to verify any information.
If a bill was returned i have never heard of company that did not verify address.
Perhaps regular reps cannot call out but find it odd since medical billing can have many small errors like transposed numbers etc .... that Someone should be researching the claims instead of fast track to a collection group.

I am debating sending a letter to medical group to inform them that this was very poor practice and as billing group represents them they should review where the ball was dropped.
I wonder if it will fall on deaf ears...I would like to think this may save someone else the time and aggravation.

The rep claims she is pulling from collection will bill insurance and correct address ( there was no issue) to mail bill after insurance is cleared.
I find it especially disturbing as medical debt is a huge problem in this country and some people do not fight to clear up a cascade of errors.

no discussion

June 15th, 2020 at 04:12 pm

So I have been winding down my payments to various items because I was looking forward to my Mid-July end date from this job.
As I was going through updates/ notices regarding employees .... what do I come across a notice that MY contract was extending into next year.... NO one asked me NO one even contacted me.
Hours later I get an email from temp place saying the place I am at wants me to stay through August .....and then depending on their budget hire me permanently. I assume the extension into next year is based on if the permanent spot is not funded.... again NO ONE even asked me how I feel about it. I find it off putting that if place wants me to convert to a permanent employee perhaps they should have said something.

I am not happy about this one bit and I want to stay the course with exiting in July.

I spoke with DH and keep getting the same answer to just ride along until I find something else .... the truth is my income is extra not needed to maintain our basic COL just was adding to investments and retirement. He convinced me to move here saying i did not need to work anymore but I kept doing it to fill my days as well as boost our retirement.
I know all the lines about it is called work otherwise they would not pay you for it etc. If someone told me that in person I would slap them. I still think people should be semi content not just grit your teeth and take it. I did that to fulfill my contract even when I knew I disliked job going way back.
I also TOLD temp place how I felt in March so I feel this is especially rude to NOT ask me anything prior to me finding out how I did.



the 8th month itch

June 8th, 2020 at 10:29 pm

My temp assignments if they are long term at least are set to expire after 9 months. I always seem to get a 8th month itch of going back and forth in trying to see IF I want to stay.

My question for all those out there what helps you make up your mind?

When you get a new job how long is it before you decide ... this is not for me or i will stay until something better comes along etc.

What are other criteria you consider... company/ schedule/ commute ?

I believe too many are in their words "stuck in some job" because they simply quit looking for something better or they would be happier at... because of pattern or convenience.

I know one can basically leave any job with simple notice so why even think long term... but I simply do NOT see myself there in long term.

Most times i can force myself to meet the contract obligation but when i look around in the office i cannot see myself year after year here. The money is very good but i have zero give a crap about what i am doing or even doing a good job.

some places/ people making it worse

May 28th, 2020 at 02:19 pm

I am in awe everyday at the amount of complete mess this pandemic has brought to light.

We will learn very little as all the data seems corrupt i have only seen one state go back and try to correct their official counts on death as EVERY death is counted as a covid death in many many places.

NOW due to the complete lack of foresight for FRAUD some states mine included have been overrun with fraudulent claims. SO now all the unemployment numbers are corrupted as well. I no longer believe any of the stats.
The company I work for had a ton of claims filed for current staff that were never off of work. I too had someone fill a claim using a previous name and previous address.... one may think the state will catch such glaring errors but the governor told them to side step the basic verify steps to get unemployment out ASAP. Now the state has lost millions to fraud.
I filled out the fraud claim there was actually a choice on form of " not me i am still working"

I do not think they had a chance to pay on this false claim.... but am furious that even the most basic verification would have stopped this one in its tracks.
The state would not even share the info used by fraudsters that might help the victim narrow down where their information was stolen. What job did they list as last employment? / did they have my correct SSN or did they just put random # as with other friends who had claims filed with their name but wrong SSN# ( their state shared information).

I GUESS the BONUS for those of workers and businesses exposed is we get EXTRA work to play ID theft monitoring and watching every credit file.

I think any politician and any person working in unemployment department that did not stand up and say " rushing things through and skipping verification will be a disaster" should be held liable for all the taxpayers loss in this system.
If public employees were held even partially responsible then perhaps they would DO their jobs and when suggested by idiots to circumvent the items in place to safeguard the system ... they would tell them that is a recipe for disaster.

Even if my state will not recover the millions lost i do not think the rest of taxpayers should bail out this mismanagement.

Simply put do NOT believe the NEWS who paint the picture of millions of unemployment claims i know of at least 100 false..personally so i can imagine how WRONG this data is as well.

all in the wording.

April 28th, 2020 at 04:36 am


So my daughter works for a very large grocery retailer the topic of masks come to mind. Due to a medical condition it is very hard for DD to breathe wearing a mask for long periods of time. They excused her from it now a week plus later they say it is Required... so we looked into it ..
According to OSHA to make required.... the business is required to pay for medical clearances and Provide clean masks for each shift.

The mask they passed out and ask staff to wash is practically see thru and you can blow out a match through it. The manager confessed he was trying to push an issue and the corporation wants all staff to wear for show to the customers but does not require because the cost of compliance to OSHA rules.

So when reading people saying their STATE requires a mask they would be subject to the same OSHA requirements to make sure it is safe for people to wear masks that may interfere with their breathing. Not just make a cloth mask at home.

A recent car wreck was attributed to lady passing out after long time wearing a mask while driving ...I have no idea why she would since she was alone in car, but perhaps she was told it is REQUIRED.
Words like suggests/ recommends / prefers is not the same as REQUIRE..... so is the government going to help with all businesses forced to comply with OSHA respiratory regulations in reopening? you also would need at least N95 masks and a person trained for correct fit etc.

about to step on some toes

April 15th, 2020 at 03:38 pm

I have alot of time to think about items as WFH has been really watch TV or movie answer a couple of emails and attend one or two zoom meetings.
leaves alot of time to do other things or think about things.
As I said in my post yesterday my DD is thinking about moving out of the house she has rented from me.

I did not expect this to bother me as much as it has. I have been thinking about what is next. we moved a few years ago for DH work and bought a second home here for cash. I have never liked this area and had hoped to move home when we retired.
That is what he told me we kept house and rented to DD and SIL for an extremely reasonable price. It is in a good location and has 5 bedrooms so it can be sold I guess, I just feel lost as this was our home from early on and I am somewhat attached to it.
I am trying to see it as a box or commodity simply to be sold. I look around to some we know who have beautiful new built homes that look like a catalog but they are never there both working into retirement trying to pay for this show home ... WHY have that unless you have the time to enjoy it?
Both my home are not the newest builds and latest gadgets etc but both are good locations and very functional. I think DH has changed his mind on moving back as the area we are now has more temperate weather. All he seems concerned about is how long a golf season is.
So I think DD and SIL should have been more upfront on their intentions and I also think DH should be clear on do we sell or not. If I hear what ever you want one more time I might snap.
If nothing has any sentimental value I guess I should start purging all my things now.
It helps to vent.....

Things shoved to the back of my mind

April 15th, 2020 at 02:44 am

Well when texting with my daughter she slightly mentioned that her and SIL have been discussing looking for their own house as they have " rented" at a huge discounted rate our house for the last 5 years.

I knew sooner or later they may move was just not really thinking it would be now. They have OK jobs and thanks to low rent and such have grown a fairly decent savings.
It was ironic since she was just talking of a friend whose hubby was just laid off and the friends don't know how to make their mortgage. Many of SIL and DD friends bought too much house and will struggle in bad times like now.
I do not want to hold them back and they have not really started looking but i think personally they feel super flush NOW but a down payment will wipe out most of their nest egg and both cars are older with a decent amount of miles so i would hate to see them with a mortgage and needing a new auto.

I feel somewhat torn as much as i want them to be careful discouraging taking on big debt seems like i am just protecting my interests.

I can rent for twice what they pay but will need to go in and update some items etc. i offered to do any small updates for them but they have not responded back. should i just approach it like they are moving and make plans for updates or should i wait and see.

trying to see brightside

April 13th, 2020 at 05:43 pm

I know there are many different perspectives and perhaps reactions to the current stay at home world many of us are living in.
I just recently when logging in to my auto insurance see not only did our rate fall this time but the company we have is giving 20% off for April and May due to many not driving during this.
I am not going anywhere in my car except once a week to grocery. So it is a win I guess.

I have not had to get gas for over 3 weeks now so i am taking that money and putting it in one of our savings account.
It is getting hard to plan to go do anything even a month out because who knows if we will need to reschedule again and again.
Tried to clean up the yard but not sure if local garden place is open or not to get a few items I would need.
I am in need of a distraction even watching TV is becoming difficult for every commercial is pandering to the current situation and I find this somewhat irritating.
We went out once for lunch at a car hop type place thinking of supporting local business found i must be the only person in town staying in as the parking lots to ANYTHING open was full.
I know I had the virus based on hearing the symptoms of many recovered and seeing my bout in early march were remarkably the same. It was mild the cough was annoying but went away after about a week.

I wonder what type of world we will have AFTER this. while I can see the points to the distancing etc. I do not like how some are acting regarding others.
I went out quickly and saw a few whom did not wear a mask or scarf etc and people felt the urge to aggressively lecture people.... I think it does not help anything to be some self appointed expert and spouting whatever they heard at people. I hope people can be civil this clearly shows that MANY need to take a look at their own behaviors in public.


mixed bag of thoughts

March 27th, 2020 at 02:42 pm

I feel for all those out there that either are at risk and worried or having a difficult time during this crisis.
I am really done with all this BS we are getting in the media as the numbers ( often different by every source)are not making sense.they simply do NOT have REAL numbers too many may have had with mild or no symptoms and recovered these will never be confirmed.
In my area a local death was being reported without the patients age/ health issues or other complications in order i believe to LEAD the story in a way to scare more people.
The person's family came out and stated age/ previous health issues and the fact the person did NOT seek medical help until it was too late regardless that the family had urged the person to for a week. I seriously cannot trust the local news after this blatant omitting of information to fit a narrative.
I did not get out before the great TP buyout and now down to my last few rolls so will need to venture out to find supplies it has been a couple weeks i have a hard time seeing why some still have no stock of some items.
The company I am at is open and most are working from home which means even less work then i had going in but as i am doing work and no cost for commute or other expenses I actually have came out a bit ahead this last 2 weeks.
I also do not understand what some people call essential as the number of places closed here seems to be smaller then those still open as "essential"

my favorite past time

March 12th, 2020 at 01:10 pm

As with any hobby there are ups and downs and since I really like to people watch this hysteria has upped the drama.
The absolute meltdown of a person since Starbucks is not refilling reusable cups at this time who cares about pandemics if you can save a paper cup . ...
The person who thinks the young lady at the store can be convinced to "find" some hand sanitizer they are somehow holding in the backroom for really "special people.
The few ladies who brought their kids (since their school is closed ) to McDonald's to play together while mommies talk. or chatting in store as their kids are licking the cart......
Welcome to the hot zone......
We got a serious email from CEO asking people to come only if it is VITAL but evidently my boss does not know what that means. I sat for 4 hours with nothing to do.... nor does 25% of Staff still on site they have one suspected case they said they would alert anyone who may have had contact as we have many buildings. We badge in each time to enter but NO one that had visited suspects building has been notified and security company says the data is not easy to compile it would be pages and pages as people come and go so they are just asking guy who he talked to not who was near him......
Clearly as I look around I see so many simply herding cats .... I feel for anyone with health issues that will make this more dangerous.
If people are counting on the words they were told they are going to be severely disappointed. Most "actions" were after the cat is out of the bag and overlooking the pre-symptom time frame.

tax surprise

February 2nd, 2020 at 09:42 pm

We usually break even with taxes in most years I was curious as how this year would turn out.
Since I temped with 2 different placement groups I could no longer log in to get a look early for one group so had to wait for mail.
It is super bizarre I always fill out withholding the same but I made more money at that placement overall and they took out way less tax, then they should have.
So a quick calculation shows us owing big.

I can cut total owed down by adding to my (2019)IRA as I can deduct the full contribution. It is not a dollar for dollar swap and we will end up paying something but I can bring it down by a good chunk.
It is frustrating since it will take my focus and funds from my regular savings plan or I can dig into one of my savings accounts. It also means now is not the time to leave this job even though I hate it.

I also had a small medical visit that I am not sure how the new insurance will pay. I just feel somewhat defeated at the moment.

observations

January 8th, 2020 at 01:47 pm

How often do you look around or actually observe the small piece of world around you??

I am very bored at work and I am trying to appease myself into staying at least half the year to my contract end date. I am running out of diversions to take up time. So I started to look around and observe co-workers to find what makes these people tick and make them seem ok with the boredom. ( many are not as bored as they seem to have difficulty doing the tasks or end up redoing several times)

BAD idea in this case but I have had places before that the people were interesting enough that made up for job issues. I almost feel like I am less inspired to stay here.
Do the people around you in job/ social circles inspire you (financially)?
or do you look around and think these people are why so many are in debt, live paycheck to paycheck and have NO plan.
While this company has a strict sounding training on NO insider trading their actions of late seem to defy it.
Upper management for months telling employees NOW is a good time to buy stock etc. Then since many employees are NOT in shape to go out and buy stock on their own they are now setting up and pushing an ESPP ( only for real employees not the many contractors they employ) makes me nervous at the mixed messages.

The products some still in testing etc seem to be a good bet but the actions lately of company seem to throw up red flags.....

2020 new year

January 4th, 2020 at 08:02 pm

So as the new year starts I want to hit the ground running...

I have not hit the maximum for IRA/ Roth for 2019 but from experience last year even with notations it is for 2019 sometime in the processing they credit 2020.
I am thinking forgoing trying to finish 2019 contributions but jump to this year.
I toy every other month with slowing down the extra house payoff and throwing more in retirement accounts but I feel cautious that I do not want to throw too much at investing buying at high prices.

Which brings me to the job front. I do not want to stay but the money is good and I have flush funds to invest... so i could find something else but for same hours i would be making less per hour. my contract lasts until July I have lasted this long unless they offer a permanent position i will decline.

year end reflections

December 28th, 2019 at 03:54 am

we had a quiet holiday went across state to see the grand kids.
We have been really cutting back on holiday purchases simply because our immediate family has no real need of items that they do not go out and buy themselves. Spent money for a breakfast out today before we headed home and we brought some items that we had on Christmas dinner.
SIL and daughter both had colds so they gave us a cold for Christmas!
I know it was not on purpose but i feel like something is seriously coming on. Hopefully i can just rest up before I return to work on the 2nd.
I enjoy reading the other blogs and although I could probably add up the total of expenses throughout the year it would take some detective work.
I do know that I paid $7040.21 towards principal on house #1. with just regular payments would have been $3600.
I also was able to contribute a good amount to my IRA and a Roth IRA. I will check to see how much I need to meet the max for 2019 since i still have a few months to meet that.
my investments capital gain/ dividend netted about $9800.00 in December.
DH got a call when we were traveling the owner of his company has a surprise bonus check for him so I guess we will see what that is next week.

making lemonade

December 17th, 2019 at 02:30 pm

I realize my posts have been a bit of a bummer and was used to vent my frustration but maybe i need to try to see the possibility of lemonade out of the lemons.

I have a home / my family is doing well/ my investments just reported huge dividends and capital gains (most in retirement accts) only a bit in taxable investments/ i do not need this job but it is affording me the opportunity to sock away money to meet some goals.

my car would not start (the battery was low) i had to wait about 30 plus minute but DH came and jumped the car.
I had raised the hood in parking lot but not one person whom was leaving work asked if i need help or anything. i was a bit surprised as the act so nice in the context of work. My DH reminded me that some people do not know how to do simple things like give a jump. Basic life skills they need to hire someone.

All in all I am good the reason this job is so boring is most around me make it harder then it is create problems that do not exist and if they live their life that way it must be awful.

priorities

December 10th, 2019 at 02:49 pm

The holidays are upon us and once again the hassle will start i should just jump right in.

I cancelled Christmas one year, i had zero help was working OT in retail and DH thought i should be able to do it all NOPE. I know he was mad and continues to remind me of that fateful year. This year our kids are grown they have different lifestyles and interests and do not need Stuff just because. I want to honor that wish and no longer give gifts out of obligation......... but as always.... DH will wait until last second and ask what did you get for x/ y or z??????
I tried to get ahead of the issue by saying do you want more knick knacks we don't need? ... well neither do they. it is not sinking in his thick skull.

I told him i am not sure we should even buy anything but a small item for grandkids as their other side of family ( dollar store type) fills their house with tons of garbage toys that they play with a few times and forget or break.
In the last year etc we just added money to a fund we started for them but once again DH is off on a buy garbage bonanza. He seems dismayed that some items are backorder and will not be available until january.....DUH it is midway in December.

This along with the fact we have personal business to take care of by end of year but he seems to think we have lots of time is driving me insane.

I get so much stress i just shut down. last week DH bought dinner on way home and only wanted a sandwich one night so in this weeks grocery i bought bare minimum ..... I buy with a meal plan in mind (yes it is communicated) but lately he is getting home earlier then me and (who knows why he has not done this in months) starts cooking something entirely different then the plan. throws off all my ingredients especially fresh items that do NOT last until next week. I have cut way back on produce because of this tired of throwing money away.
I have come to the point where i want to act like roommates buy your own food and leave me out of it.

This is the one time of year he simply does not stay with plans or evidently pays zero attention.

Last minute appease him BS costs me every year and simply put i do not have the extra as the company i am temping with shuts down for 10 days from Christmas to past new years and i will not have a check.
Maybe i just need to vent or maybe i need suggestions on dealing with the holiday disconnect.





sentimental Garbage

December 7th, 2019 at 06:45 pm

Perhaps a strange title but i was looking around my house and noticed. there are some items that need to go.

Example my son a couple of years ago managed a store at a mall and then he bought me (well meaning) a ton of scented lotions from one of those shops like Bodyworks, you know then buy three get 3 great idea if you have 6 people.. but nope mom got all 6 used some tried different scents but honestly i could grease up an elephant with this volume. I have it in a line on counter try to use as I can but in all honesty the only reason I am keeping is sentimental not functional. i have hovered over the bin but put them back on counter telling myself to use more.

I have many items like this. When my mom passed I took items from her home as memories but also because i knew she loved them . Items costume jewelry i may never wear, candles i have in boxes perhaps in a major power outage i could burn them .... pictures I have never hung .... they do bring memories but as i get older I realize they mean nothing to my own adult kids i tell them stories they nod politely but a 3rd generation candy dish is not going to be a treasure for them.
Some items may mean something to siblings but i do not talk to them at all i am thinking in some cases i took items more so they would not take and sell them at the urging of relatives ( couple siblings have issues with substance abuse) but i did not need or want some items. I am not even sure how i could return these item to them have not spoken in years. i see now sooner or later memories disappear and who know maybe these item will be a garage sale after I am gone.
what is the best way to let go.....

how much for happy

December 5th, 2019 at 01:55 pm

I know as a financial site we discuss saving tips /good deals /better interest rates etc.
It is fun to see some bloggers get excited and inspired as they climb out of debt or start a journey into financial fitness. Even reading about items some do for fun.

I am on good footing lately but I am not I would say satisfied or really happy.
I have been talking to others and see that all jobs have problems and perhaps I should find a distraction like e-book or game to fill my time.
I am paid well for very little work. while great for me it is emotionally draining as I know people ARE paying a lot for the products this company is developing (medication) so i can play candy crush.
Ever wonder why prescriptions cost so much?

My savings and financial picture is making great strides and I am feeling ill about it.

The area we live is congested and sucky and so we seldom go out .... no spend days are so simple for me but I am bored. i wonder if it is a phase or just the way it is.
I listen to others at work and most people seem in similar situations of boredom and dissatisfaction. Many resort to eating. none look happy or even smile.
I have actually watched some gain weight since being hired.

I guess I need to find more hobbies or something.
i am tired of going to another placement after another to find same attitudes and disappointment.
Most of the fun or engaging jobs I have had were lower end and now that my resume shows a higher level most lower end pass thinking they could not pay as well or I would leave.
Life is about more then how much you make or at least i would hope so.

back to work

December 2nd, 2019 at 02:33 pm

so i had a long weekend off the check for this week will be sad but as this is just extra income I am OK.

I went to a dermatologist as I had a new odd growth looked like a mole had all the " signs" the articles etc tell you to look for irregular edges / rough texture/ changing color /itchy etc.
Took this DR 15 seconds to say "Nope, it is a common benign growth ( long weird name) that has zero chance of cancer"
I was relieved but also felt a bit silly. i told him that i had been reading and this met many of items to look for and he said " yep see people all the time that DO NOT need to be here based on some fear mongering skin cancer article".
I was surprised by his candor and wonder how many people are taking time for appointments I missed 2 hours of work and paying co-pay etc for this sort of thing. Perhaps this is why we have such a medical care problem in this country... people who put stuff off or people clogging the system for no reason.

I KNOW i will think twice before running in based on "SIGNS" to look for not just misleading articles but if you look up in a site on internet often say the same thing.
this is new insurance so i am not even sure yet what this will end up costing me.

wish i was told

November 26th, 2019 at 01:03 pm

I can blame no one but myself. When i interviewed for this job it was mostly to get a practice interview and be back in a better place for job searching.

The last temp place ended quickly and had made me angry at the incompetence that i was hired for 6 months and it ended at 6 weeks because the manager hired based on false information. The amount of work was grossly overestimated or her regular staff was that slow.

I had doubts before interview thought they would go another way. I should have said no. The money is good/ i don't have nearly enough to do.
Now they have me doing more items involving going to other buildings we have i am now driving between them and I get no extra for gas.

Tomorrow they want me to drive into a large city we are close to for an hour meeting. Even on low traffic times the drive to and from will be an hour each way( pay for parking).
i am on the clock and therefore i would think that is a liability issue if i was hurt in an accident.

That is too much, I looked at public transportation would be 3 buses and 1 hour 49 minutes each way.

A day before a holiday most people will not even be there i am not happy. I may take a day off since i have not been feeling well and have a dr appt later today.
i think the travel between all these locations should have been told to me they said SELDOM ... not many times a week. They did not mention this place that is so difficult to get to.

The time is NOT distance but the insane traffic in this area. that puts my car at risk as they have many accidents in that congestion.

Everyone else is on salary so they seem put out that I do not take my computer home each day and answer their emails after hours. I AM hourly and it is not ok to ask me to work off the clock.
The meetings they have me take notes and order and serve food at are at lunchtime but they seem put out that I take my 30 minute Lunch break after the meeting. They want me to send emails and do items discussed in meeting to me that is working through my time.


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