Budgeting for bingo: Knowing when to stop whether you’re winning or losing

This is a guest post by Angela Stevens. Angela is retired at 61 but takes on the occasional freelance writing gig. She’s been getting herself some guilt-free fun each Thursday at the Bingo hall for the past 13 years, and loves to read up on the Bingo business.

It may be cheap entertainment, but it’s still important to keep an eye on your bingo spending

bingoForMoney Bingo has been enjoying a surge in popularity of late. Both brick-and-mortar halls and online bingo games are starting to play nice in their own respective niches. And the game is even starting to shed its “game for little old ladies” (giggle!) image thanks to bingo variants like Musical Bingo that are proving to be popular among the younger set.

As Bingo! The Documentary shows, there are people out there who want to live the bingo dream – that is, hitting a huge jackpot and becoming rich. Don’t we all? This applies to both the old school bingo hall regulars like myself and the younger foxybingo gamer generation. )

Read moreBudgeting for bingo: Knowing when to stop whether you’re winning or losing

Racism and business? Restaurant owner saved business by keeping blacks away

This is a story I found on reddit.com . It’s so fascinating that I just had to share it with you guys.

Original link: http://www.reddit.com

reddit_logoI’ll get it out of the way and admit that what I am doing is racist, I myself am (reluctantly!) a racist, and I’m not about to argue that. I’m not proud of this, but I did what I had to to stay afloat for the sake of my family and my employees and I would do it again.

I own a family restaurant that competes with large chains like Applebee’s, Chili’s, and other similarly awful places. I started this restaurant over 20 years ago, my wife is our manager*, both of my kids work here when they’re not in college. Our whole life is tied up in this place, and while it’s a ton of hard work, we love it.

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My husband and I want to start our own business… here’s why we can’t

just usMy husband and I want to start a business some day.

Right now, I work a nine-to-five. He works in shifts. Our time off doesn’t overlap a lot. We get a fairly decent pay and we make it work for now. But to be honest? At that rate, we’ll never be able to get ahead. We’ll be enslaved to our jobs for life.

We don’t have a problem with hard work. We know that startups take a lot of work – we each have had a failed try at starting a business – so we don’t mind working long hours. We’re doing it already at our jobs. But we think that having our own thing will let us work those long hours together and also pay more than a dayjob.

Is starting a business the only way to our goal of being together more? Let’s see.

Read moreMy husband and I want to start our own business… here’s why we can’t

Newlyweds money & finance: I hide money from my husband

barbie dollWhen I was little, I thought we were very poor. There was this time when Barbie dolls were the hit – hey, their legs can bend! I thought this was so cool.

But Barbies were really expensive when they first came to Bulgaria. There was this girl that we used to play dolls with, *Jane*, and she had two or three Barbies. Her father was working abroad and that’s how they could afford it.

I didn’t have a Barbie doll. They were special. I had two or three other dolls but of the regular kind. They were nothing special.

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Newlyweds with baby on the way: our money and finance

painting a wallAt the end of May 2013, we found out I was pregnant (unplanned). At the end of July – just two months later – we got married.

Here’s what our financial situation looks like.

We live in a 1-bedroom apartment rent-free.

When I first moved to my husband’s town, we lived with his parents in a 3-bedroom + kitchen apartment. It was okay, for now, but we wanted to be on our own eventually. We had made our peace with the fact that this was probably not going to happen soon. I had a vague plan idea that we could live with them for about 6 months, and re-evaluate our options then. Maybe we could rent a place or buy one with a mortgage?

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How to ask for cash for wedding gift

We got married!
We got married!

Dear all,

I have some great news: we got married! I’m telling all about it in my next post, but for now, here’s a sneak-peak tip on how to let your guests know you prefer money as a wedding gift.

I see nothing wrong with saying you prefer cash for a wedding gift. Everyone wants cash, but not everyone feels comfortable saying it.

So here are some tips on how to ask for cash for wedding gift:
— DO NOT print it on the invitation. No matter how cleverly or playfully you word it, it’s tacky to give invitations with strings attached. Also, when you look at your wedding invitations 15 years from now, do you really want to see a request for cash printed there?
–If you decide not to print invitations (we didn’t), you’ll invite people personally or over the phone; that’s you verbal invitation. Verbal and printed invitations follow the same rule: DO NOT mention gifts. Unless of course the guest asks you what gifts you prefer.

Do not speak of gifts at the time of invitation.

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13 tips: How to negotiate a higher starting salary for a new job during interview

There are two kinds of salary negotiations. One is when you are negotiating a starting salary & perks with a new company at the interview stage. The other is when you are negotiating a salary raise within a company you’ve been with for a while.

Let’s talk about the first kind: negotiating a higher starting salary for a new job.

job negotiation Here’s something no one will tell you: what you can get out of a salary negotiation is very much predetermined by your starting position. It’s not about using clever words (#3), deceipt (#13), or keeping a poker face (#1) (although that helps). But ultimately, it all starts with this:

Tip #1: Beggars can’t be choosers.

Who’s the beggar? Who is more desperate? Who’s got more to lose? Do you need this job more than the company needs to hire you of all applicants?

These factors outline the field where you’ll be tossing the negotiation ball around. And these factors are not set in the interview room; you come with them in the interview room.

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I wanted to change my husband

This post is not mine; it’s by Pam Satran, originally published in Parenting magazine. I just loved it! Enjoy.
Book cover. NOT the book mentioned here.
Book cover. NOT the book mentioned here.

I wanted to change my husband. Not in any huge way. He doesn’t have any horrible habits – blowing his paycheck on the ponies, sleeping with my relatives – that I needed to break him of. I wasn’t out to make him taller, or smarter, or sexier.

No, it was tweaking he needed, improvement of the usual marital kind.

What if, for instance, I could get him to do more around the house? Get him to adore doing dishes, relish handling the taxes? What if I could make him a masseur? A touch more patient and a tad more thoughtful – a little more prompt and a bit more cuddly?

Read moreI wanted to change my husband