No, I don't like doing so because it seems to take me an eternity to not only get to work but to also get home. Taking two buses to get to work wreaks havoc on a person because of all of the travel time you spend waiting to catch the other bus or as they say "make your connection" to either work or home. With the bus tickets the transfer is included, but if the prices increase again and they decide to charge for the additional fare to transfer to another bus; this will become a huge problem. As little as people make they will then need to find employment that is just a bus ride away. These towns are too spread out, far apart and they got this distance thing between them where there is just land,land,land. I'm not terribly fond of this. And of course not enough bus routes to give people a choice in transportation. Yes, it keeps you healthy; because a person must walk a great deal to get to their nearest destination of travel. The problem with towns who call themselves neighboring is that they are a distance away and still an entity unto themselves. You either got one bus that goes through the joint periodically or you will take a train that stops a ways away from where you live so that you will have to find another connecting train that is closer to where you live, which will add more time and money to your travel or walk. There are of course taxis, cabs and all sorts of car transportation that you can use to finally get home, but these rides do cost money. There must be a way to voluntarily limit the distance from work to home, if you are able to do so by finding a job or employment that is only one bus ride away. In many situations people don't have much of a choice, depending on what they do for a living and where the job is located-certain types of jobs are not always nearby. Employment agencies and employers need to understand that it costs a great deal to commute back and forth to work and perhaps by employing those who reside near the workplace or within a reasonable distance where the commute is not a lengthy one, you get workers who are more focused because they don't worry so much about the commute to work and then the one going home. The bus fares went up, so it's cheaper to pay per ride and to make sure you do all you need to do on a single fare, so that you don't spend extra if you don't have to. This time around, it does not pay to buy in bulk or monthly -especially at those prices!
I had a reaction which was quite strange. It was time for the dreaded make your car insurance payments. These people must think that most Americans or people who live in America are made of money. For the most part and I know some of you have had similar experiences whereby each and every time it is time to renew your car insurance the premium just gets higher and higher. Finally, you realize you can no longer afford them and look into a different car insurance company. Recently, my body got the chills, then the sweats then the nose sniffling, then the fatigue and then off to bed for an extended period of time because the feeling of being overwhelmed was way too much. I thought about why I was feeling this way and then I realized I had finished paying my premium for several months (anyways), and the reaction to this was not a good one. It was like torture giving them a chunk of money every chance I was able to pay them. Afterwards, of this experience I felt drained and was wondering what else to do since you can't drive without car insurance. Not that it can't be done, trust me it has, but in many situations you don't want to get caught. There has to be a way of regulating car insurance according to ones income. I'm serious. This way when we go to put those pathetic numbers in for calculation, the software just says hey you should only pay the minimum that is required by the state or s----, just take the bus. After finally paying it off, all I wanted to do was sleep. I have to get a grasp on this I really do. But the rising cost of car insurance is like kryptonite. They say bundles are cheaper, then why don't these auto, home, boat, rv and life insurance companies get in on the bandwagon and sell health insurance or those global health insurance plans where you are covered almost anywhere in the USA or the world. That would be a bundle to remember. One can bundle health insurance with: dental, vision and prescription along with other costs like for hearing(if needed). Hospital coverage should be included also. This is the perfect mix and match that can defray the cost of car insurance by a lot especially if this all goes according to ones income. The bundle with health insurance is the perfect bundle solution for difficult financial times such as now!
We never really seem to save money for things like old age. Honestly, we want to get there but before we do we should save so that we have some money put aside once we do. But the thing is that when we get a paycheck most of it is already spent. This of course means savings is not included. And, lots of times money goes towards odds and ends or things we could have done without. If you think about it it's that $2,3,4 or even 5 dollars thing that makes yo say, "I won't go broke if I spend this because I already am." This is a horrible mentality to have. So you spend the money anyway knowing that the amount was so small that it probably won't make much of a difference even if you put it in your piglet bank and let it stack up. This is why people spend without ever thinking that those few dollars each time add up. Then it occurred to me that if one were to put the money aside before it would ever be seen on a paycheck or available to spend this would be helpful in saving for old age. It's true that you would not see the money until you file your taxes but at least you would have some savings as opposed to nothing at all. Wow, this is great, another way to save money without ever having to say, "I need to put some money aside." It's all good now in knowing that there is a way to withhold money for that day of retirement and savings. The withholding form or W-4, will allow one to set aside money each and every paycheck without being able to spend it. Then once you go to do your taxes you will have an automatic savings that you can use for retirement. Spending money without really needing to spend it can prevent in many ways the ability to save money. The way to learn the value of saving is by putting small amounts of money aside each and every paycheck so that you won't spend it and then once tax time comes you will most likely get a refund that can be used to fund an IRA or buy bonds or put your money into some kind of savings account. Frugal cents, I call it. It was just a thought, especially when common cents is not so common!
I remember when I was a young one in my teens and I fasted for five days. I was trying desperately to lose weight and I did it. But I gained it back and had to redirect my plan to something more desperate. I took a product called dexa----. Yup, I bought it over the counter without permission from anyone. Look, I figured it would cost my parents less to feed me, and I would not be confused with a stuffed animal. Nobody in the store argued with me so they must have agreed that my weight was slightly out of control to allow me to purchase it. It really,really worked and by then my appetite had decreased so much that I could stop taking the weight loss pills because I was able to eat less and therefore I didn't gain any more weight. This one product changed my life because I hated to be "somewhat overweight". My metabolism changed and as I did things throughout the day I would burn off the calories and not pack on the pounds so much. Back then they had the popular weight loss programs-now they are as common as cable tv shows, but those weight loss programs cost money and you had to eat certain foods that I didn't have the money to buy. Dexa---- was cheaper and I could just go about my day and not have to worry about planning or buying low calorie meals or creating delicious foods in mini bite sized portions. At least to me that seemed like a lot of work and I had other things to do besides doing a meal plan for the week. I mean I was young once. As I think about it, my years of fasting and dieting prepared me for the rough road of being in a low income bracket. I learned to get by with less food and without the craving or tantrum of wanting something that I really could not afford. My stomach was no longer hungry enough, which is a good thing because it matched my wallet. Along the way and for sustenance I became a vitamin junkie, which is my main source of nourishment and it has become a valued asset in survival because the vitamins per day are way cheaper than buying lunch on a daily basis. Financially, things are difficult so you have to find ways to survive legally. I have been doing this for many a year now and so far this has become a way of life especially when you have to factor in where will the money come from? Being thin or wanting to be that way does not bother me at all. Being healthy and by not eating fatty stuff during the day really helps a lot. This discipline that I began with almost 40 years ago enabled me to survive in an era whereby people don't get paid in the amounts or salary that they should be. This is due to the sacrificial burdens and the debate over who is on top and who gets the bottom. People have often used the term "unequal exchange" to describe this phenomena. Sociologists and economists developed this concept. Which means that intellectual people of a certain creed must externalize or use a significant portion of their mental and physical aptitude among those who do not have that capability. In other words the intellectual uses to a huge extent his or her own mental capability and intellect to benefit those around them that don't have the same capability. This in abuse is to offset the financial and social or societal impact of how technology affects people in terms of work and other areas. This is how there are those who stay on top and others keep bottom and fast, because the dictatorship or abuse of power determines where one will go. I don't make the rules, but I'm old enough to see the light and that is the way I will keep things... Dang, I'm so ready to retire!
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