More and more is being learned about how men and women vary in their methods of thinking about and handling money, Financial Advisor Marion Syversen joined Carolyn Callahan on TV5 News at Noon to talk about it.Salary negotiations- Men are eight-times more likely to ASK for higher salaries. In one study a researcher promised to pay participants a range of money from $3- $11 for participants to play a game. They were then given $3 and asked if that was okay. 8x’s as many men asked for MORE money than women.Indulgences- Men lead women in the purchasing of entertainment items such as video games, sporting event tickets, DVDs , even hobbies, alcohol and cigars. Women lead men in grocery purchases, skin care and baby products and premium care products. More women are making big ticket purchases such as cars and TVs. And 80% of all spending decisions are influenced by women. Feelings- Men generally save more for themselves than women, making personal savings a priority. Women are not saving as much. One author suggested that women are ‘present thinkers’ consumed with concerns about their family’s present and immediate needs and less focused on a distant goal. Men pay themselves first, women practice that trait less often spending money by shopping during their 20’s and 30’s while many men are saving more. Don’t shoot the messenger.Women also prefer holistic information about money and personal finance as I show in the research for my book while men prefer stock picks and more specific investment information.If you’re training for a skill or a race and you find that you have a natural area that hinders you toward the goal, what would you do? You’d face the problem and work diligently to compensate and fix the lack. See these differences and fight back to make needed changes.Disclosure:Only securities and advisory services offered through Wall Street Financial Group, Inc. Registered Investment Advisor. Member FINRA/SIPC. Wall Street Financial Group, Inc. and Norumbega Financial are separate entities, independently owned and operated.
1 Cup(2 sticks) butter, softened 1 Cup brown sugar(firmly packed) 1/2 Cup white sugar 2 eggs 1Tsp vanilla 1 1/2 flour 1 Tsp baking soda 1 Tsp cinnamon 1 Cup raisins 3 Cups Oatmeal quick,uncooked Mix butter and sugars, add eggs, vanilla mix again, add dry ingredients. stir in Oats and raisins. Bake @350 10-12 min Bar cookies 13×9 pan Bake 30-35 minutesÂ Recipe Submitted By: Sandy GerardÂ
Leave it as it is 8% (25 votes)Set up a Need-based Tiered System 72% (213 votes)Scrap it altogether 20% (59 votes)
1 Cup(2 sticks) butter 1 1/2 Cup sugar 4 eggs 1 tsp vanilla extract 2 Cup flour 2 tsp baking powder 1 Can(21oz) cherry pie filling In lg bowl mix together butter, sugar and eggs. Add extract, stir in flour and baking powder. mix until smooth. Butter 13×9 pan. turn the mixture into pan. Spoon the pie filling into the cake, in 16 spots,spacing 4 spoonfuls evenly in each direction. Bake @350 45-50 min filling will sink into cake while baking (for blueberry dessert substitute blueberry pie filling)Â Recipe Submitted by: Sandy GerardÂ
Improved Communication = Improved CareBy- Dr. Jonathan WoodBeing admitted to the hospital is can be scary and traumaticâ€¦ for the patient and for the patientâ€™s family.Being critically ill, needing invasive procedures or having a hospitalized child all accentuate these feelings The medical lingo is difficult to understand, the issues discussed often carry great importance, and there are often unanswered questions. Whatâ€™s more, caretakers often seem to be overworked or in a hurry. And then money is invariably an issue: missed work, inadequate insurance, childcare needs, day-to-day living away from home, etc. More stress.In the end, many people report a sense of â€œloss of controlâ€. What can be done?Arrgghhhh!While I cannot offer a fix for the sometimes beleaguered state of modern medicine, I will suggest one central thing that can help with all the above: improved communication. And much of it is within your control.Some suggestions:â€¢ Ask questionso Who are you? Insist that people introduce themselves and explain their role in your care. Where do they fit in the lists above?o Why are we doing this? Insist on understanding why tests are being done and what is going to happen with the information.o May I speak with my doctor? Ideally there is one doctor orchestrating all of your care. Ideally there is excellent communication between doctors and amongst all the participants in the care team. Insist on a team and a good leader.â€¢ Learn the system (i.e. who are all these people?)Hospitals depend upon a complex system of personnel that is often very confusing and very difficult to understand. Examples:o Primary Care docs (e.g. Internist, Family Practitioner, Pediatrician)o Inpatient Specialists (e.g. Hospitalist, Intensivist)o Specialists (e.g. Surgeon, Psychiatrist, OB-Gyn)o Sub-Specialists (e.g. Cardiologist, Neurologist, Orthopedic surgeon)o Midlevel Providers (e.g. Nurse Practitioner, Physician Assistant)o Nurses (e.g. bedside nurse, charge nurse)o Ancillary Personnel (e.g. Respiratory Therapy, Physical Therapy, Occupational Therapy, Nutritionists, Social Workers, Care Managers)o Trainees (e.g. residents, nursing students, medical students)â€¢ Tell your caretakers your worries â€“ donâ€™t be afraid to tell people what concerns you or what would make you more comfortable. Nothing is off limits!â€¢ Leave your biases at homeo Believe in the system â€“ Much of believing is understanding. Work to understand the system (see above) and increased confidence will follow. o Donâ€™t worry about offending â€“ Doctors are people – – you can talk to them like you talk to anyone. Sometimes people feel intimidated, but it is important to move beyond this. Be yourself. Remember: you are the consumer. Be polite and expect the same in return.o Gender â€“ The days of female nurses and male doctors are long over. Do not make assumptions based on gender and treat all your caretakers with respect. Insist on the same in return.o Teaching Hospitals â€“ Much of the best care in the US is delivered in teaching hospitals. No one is experimenting on you. On the contrary, these are often very concerned, very smart, and often less busy students or residents who can be very helpful in you quest for quality healthcare. Take advantage of the opportunity!o Culture Differences â€“ Maine attracts caregivers from all cultures. These people are invariably well trained and very caring. Treat them with respect and expect the same in reverse. If accents are difficult to understand, be frank, polite, and patient.â€¢ Know what is expected of you and your family when you are dischargedo Ask questionso Get to know your â€œcare managerâ€ or â€œdischarge plannerâ€o Be sure you understand your medications and doses (including changes from when your arrived)o Have instructions repeated as many times as it take to understando Know who you need to see after leaving and where and when.While these suggestions wonâ€™t make being hospitalized fun, they may take some of the unnecessary fear and anxiety out of the process. In the end, remember… communication is the key!
Rule of 72- This rule is an easy way to figure out how many years it will take for money saved to double at various rates of interest. The quick equation is an estimate of the time it takes for money to double. Divide 72 by the projected interest rate. So if I think I’ll earn 10% the equation is 72/10 = 7.2 years for money to double. If I think I will earn 6% the equation is 72/6 = 12 years for the money to double.Rule of 114- this quick estimate will tell you how many years until your money triples. Divide 114 by you projected rate of interest. So if I earned 10% the quick equation would be 114/ 10 = 11.4 years. At 6% the equation is 114/6 = 19 years for money to triple.Future Value of MONEY- Just add a zero- This quick estimate may help make your spending plan a savings plan! When you are thinking of buying an item, perhaps one you are trying to talk yourself out of, wouldn’t it be great to know how much you might have saved if you had socked that money away and saved it? What might that money be worth 30 years from now at earning 8% interest? Just add a zero to the cost of the item! So, you want a new computer and it’ll be $1200. You don’t really need the computer but you have the moneyâ€¦According to this money estimate, If you saved that $1200 for 30 years and earned 8% you’d have $12,000. These quick tips are little tools to help give you the incentive to save for your future. Try them out and pass them on!Citations:
Street 0% (1 votes)Driveway 62% (171 votes)Garage 31% (86 votes)Parking Lot 5% (13 votes)I don’t own a car 2% (5 votes)
1/2 c. butter, at room temperature 3/4 c. sugar 2 eggs 2/3 c. molasses 1/2 c. milk 2 3/4 c. flour 1 t. baking soda 1/2 t. salt 1/4 t. cinnamon 1/2 t. ginger Cream butter and sugar, add eggs and mix well. Add molasses and milk Mix dry ingredients and add mixing well. Chill for two hours. Preheat oven to 375 degrees. Drop onto lightly greased cookie sheets. Bake for 10 minutes Filling In a small mixing bowl combine. 1/2.c softened butter 3 c. confectionary sugar 1. t. ginger 1/4 c. molasses 2 – 3 T milk Beat until smooth and spreadable. Filling 2 4 oz. cream cheese, softened 4 T. butter, softened 1/2 teaspoon vanilla 1 1/2 cups powdered sugar 1 t. ginger BEAT cream cheese, butter and vanilla extract in small mixer bowl on medium speed until fluffy. Gradually beat in powdered sugar, and ginger until light and fluffy. Pair cooled ‘cookies’ top one with filling of your choice. Top with the other cookie.Â Recipe Submitted by:Linda AgrenÂ
2 C sugar 3 Lg eggs 1 C veg oil 3 tsp vanilla 3 C flour 1 tsp baking soda 3 Tsp cinnamon 1/4 tsp baking powder 2 C zucchini raw peeled & cut small Bake 1 hour @350Â Recipe Submitted by: Sandy GerardÂ
Preheat oven to 350 degrees 4 eggs 1 1/2 c. sugar 1 1/4c softened butter 2 c. canned pumpkin 3 c. flour 5 t. cinnamon 1 t. nutmeg 1/2 t. ginger 1 t. salt 2 t. baking powder 2 t. baking soda Cream butter and sugar, add egg and pumpkin. In another bowl mix dry ingredients. Combine the two. Here you can get creative. Add 1 c. of whatever. Raisins, chocolate chips, mini chips, white baking chips, walnuts, pecans, Drop (t. for small ones, T. for larger ones) onto a lightly greased pan. Try to be consistent as you are looking for tops and bottoms that match. Bake for 12 – 15 minutes until the top springs back when touched and ‘cookies’ are lightly golden Filling 1 Shake: 1/2 c. milk 2 1/2 T flour pour into a saucepan and cook over medium heat, until thickened. Remove from heat and add 1/2 c. sugar 1/2 c. room temperature butter (one stick) 1. t. vanilla Beat until fluffy. Filling 2 4 oz cream cheese, softened 4 T. softened butter 1/2 teaspoon vanilla 1 1/2 cups powdered sugar BEAT cream cheese, butter and vanilla extract in small mixer bowl on medium speed until fluffy. Gradually beat in powdered sugar until light and fluffy. Select similar pairs, spread filling on one place the other on top.Â Recipe Submitted by: Linda Agren
2 cups flour, 2 sticks butter(softened)Mix together until crumbly press in greased 13×9 pan (bottom only) bake 15-20min or until golden brown @350
3 pkgs instant pudding(lemon or chocolate) 3 cups milk Whip until thick pour into pan once crust is cooled down.
1 3/4 flour 1 1/4 tsp baking powder 1/2 tsp baking soda 2/3 cup white sugar 1/3 cups shortening 2 large eggs 3 ripe bananas Cream sugar & shortening in large bowl, add eggs, blend well after each addition. In separate bowl combine dry ingredients and set aside. Mash bananas with fork in separate bowl. Add flour mixture alternately with bananas to batter. Pour in greased loaf pans. Bake 45-50 min @350Â Recipe Submitted by: Sandy GerardÂ
High Crude Prices 11% (53 votes)BP Oil Spill 7% (33 votes)Personal Gain 76% (374 votes)Other: 6% (29 votes)