Yes, this is one of the most important lessons I wanted my children to learn when they learned about financial management. A $20 allowancce soulds fun, but it isn't fun when you have to spend $10 on club dues and $5 on underwear and only have $5 of discretionary spending money on that "luxury" item.

I have never seen a statistic that points to a high poportion of debt being medical. Credit card debt is a much larger percentage of average family debt than "other" debt. People could have charged medical bills to their credit card; it is difficult to know what was purchased on credit with a credit card.

If you look at the list of the top wealth-holders in the US, they did not make their money working as CEO at JP Morgan, or in similar positions. Zuckerberg, Bezos, Gates, Waltons built their wealth from starting businesses or inventing products.

DH tried it and thought he might have some marginal improvement. Sometimes he was more sore after the injections than others. It was not enough to keep him from having problems, and he had a knee replacement last October. It wasn't a miracly cure for him, but he thinks it may have delayed his surgery and he said he does not regret trying it. One thing he felt helped him the most was the motion of cycling; he thought the injections helped enough that he was able to continue cycling.

DH is retired; I am not. Retirement for him has looked different than we expected for several reasons. We have not traveled as much as we expected, mainly because of COVID. He thought he would play a great deal of golf during retirement, but has not, partly because of knee problems and a couple of surgeries. DH is seriously working on a novel; that is a big change for him. He has started on a major project of organizing and digitizing all of our family pictures at least four times. He thought he would do some consulting or adjunct teaching in retirement, but has turned down most of the opportunities that have come his way. We have never led a structured, routine lifestyle. As college professors our scheduled changed from semester-to-semester, sometimes with night classes, sometimes with weekend classes, etc. There never seems to be a "typical day" in our house. Although I am still working full-time, I have significantly cut back on a lot of the extra workk responisbiltiies I have taken on in the past; I have stopped teaching any summer courses I enjoy my work and don't know how long it will be before I retire. I enjoy an adult ballet class, playing duplicate bridge, cooking, gardening, and I am learning how to quilt. I do not think I will have any trouble filling my time when I do retire.

So, in years that a corporation has negative profits should wages be based on the percent of a negative number, and workers receive negative wages?

I live in a warm client so have limited experience with base layers, but I have a Smart Wool set that I got at REI on sale that I love. DH has an REI brand set that he really likes.

I had a wide range of experiences in courses. I had some courses with a midterm and a final. I had other courses that had a final exam and some other assignments which were maybe only 10% to 20% of the grade (so the final was 80%-90% of the grade). The majority of my courses in undergraduate would have 3 or 4 exams; some courses had major papers; some courses had pop quizzes. I can't remember any class that had graded homework assignments.

I would not have called DH in the situation you described unless I thought there was information that I needed to convey or information from him that I needed. I also know that as my mom has aged she has become more anxious and everything is more extreme. She will call and be shocked that I am going out in the rain, the cold, the heat, the dark....--yes, mom, I am going to work--these will be situations that I know my dad would have gone to work in. I have an aunt that is one of the least controllling people I have ever met. Just in the last couple of years she has started asking that we let her know when we get home after visiting. I am more of a "no news is good news", but I try to comply with their requests simply out of respect. I try to keep in perspective that it is their anxiety, their lonliness, their feeling of being out of control and not able to take care of things like they once did, that is causing their behavior. While I might find it annoying and irritating, I try to not take it personally.

Do the module percentages add up to 100%? I am wondering if it is an asynchronous course with modules set up with material, dates, and weights, which are intended to be provide the outline/information for a course that a syllabu would contain.

Did the professor perhaps mean "study" time as time focused on this class, rather than outside time in addition to the in-class portion of the class. If 8 hours of outside time is reasonable, and 4 hours per week are in biology class, then the student is focused on, studying, biology? I would look at the course syllabus and see what the time commitment looks like? Is there a great deal of reading? Are there a number of assignments? Busy work? How many exams are there? This gives a student a better gauge, given their particular strengths and weaknesses, of what is going the time commitment is going to be.

Where are the grading percentages shown? Are the attached to individual assignments, are they showing in a gradebook, or are they showing up somewhere else?

During sixth grade we had two 10 minute recesses and one 20 minute recess during the school day. Some days we had PE, but not on a regular basis. About 1/2 of the time I walked home from school, which was just over a mile. Three days a week I studied ballet for an hour and was a "helper" in my 5-year old sister's ballet class for 45 minutes per week. I would routinely ride my bike to friends' houses a mile or more away and we we go out and about on our bikes for hours at a time.

We use WhatsApp or FaceTime. You can also make a web-based call on an I-phone. Does the business have an online chat feature?

The blue line in the graph below shows the inflation rate for fruits and vegetables in the US. The red line is overall inflation The green line is annual increase in personal disposable income. Over the past 50 years the increase in personal disposable income has outpaced the increase in fruit and vegetable prices. t

How different is this from previous generations? My father was reaching his teen years before his family had electricity and indoor plumbing; he lived in a two-bedroom house with five kids and two parents; until my mother was about 8 years old she and her parents lived in a one-bedroom apartment and shared a bath with the neighboring apartment; then her family moved to a two-bedroom/one bath house. Yes, housing is now a larger portion of the average family's income--but the housing is MUCH different than housing was in previous generations. The average family spent 2% of its income on entertainment in 1900--today it is about 5%; The average family spent 13% on "other" in 1900--today that number is about 39%--that is the most drastic change. Healthcare spending has inched from about 5% to 6% (with massive quality improvements) and apparel spending has dropped from about 14% to 4%.

This would include only purchased food (I don't know if seeds would have counted in this amount or not). But, that means that IN ADDITION to spending about 30% of income on food item a family was also spending time and effort on growing food. So, for previous generations, providing for food consumed a significantly larger portion of a family's resources a century ago, or fifty years ago, than it does today. If a family was growing its own vegetables, eating eggs for its chickens, eating home-canned tomatoes all winter, baking its own bread, not buying sodas or high-mark up processed foods, the basics that they were purchasing were very costly relative to their incomes.

I have a couple of compression ones that I use when I have bulkier items that I don't have to worry about wrinkling and need to pack in a small space (like winter socks). I have other inexpensive lightweight ones that I use for a number of situations. It helps contain things in a duffle-style bag. I visit DD for an extended period in a small apartment and the packing cubes are my "drawers" while I am there. They are good for putting a change of clothes in a backpack or combining similar items so that I don't have to rummage about. When I first bought some, I thought many would be too small and went for larger sizes. Now, I seldom use the larger ones--I find the small and medium ones are much more useful.

Bkfst--poptart and chocolate milk Lunch--peanut butter and jelly sandwich, bell pepper strips, orange, kool-aid Snack--Little Debbie snack cake Dinner--meat patty; rice-a-roni, canned green beans, canned fruit cocktail, kool-aid Before bed--vanilla ice cream with chocolate sauce

I haven't used any of the syllabus features in a LMS because of a fear of things like this happening. I know that there are certain things that happen in the LMS gradebook that drive me crazy and show things to students that aren't correct and it can be very difficult to turn features off so that the students can't see the incorrect information.

This https://www.theatlantic.com/business/archive/2012/04/how-america-spends-money-100-years-in-the-life-of-the-family-budget/255475/ says that in 1900 Americans spent 43% of their income on food (which dropped to 30% by 1950). Many of the poverty measures/statistics were based upon the notion that the typical family would spend about 1/3 of its income on food.

I found an updated chart that includes 2022:

The percentage of their income that Americans are spending on food has steadily declined over the past 60 years. In 1960, almost 18% of a family's disposable income went to food (with the bulk of that being at home); Today, the average American family spends less than 10% of its disposable income on food--with about 1/2 of that being away from home eating. hi

It has been so interesting reading all of these posts. I have never used YNAB, I consider myself a fairly detail-oriented person and DH and I are both finance professors--so we tend to like budgets and dealing with numbers and I am in awe of how much time and attention many of you pay to your household budget; DH and I would have never been able to keep such detail.

If you don't mind, what card do you have? I have never found a card that does not start charging interest immediately on a cash advance, even if other charges don't accrue interest if you pay before the due date. And, many that I have seen also have a 5% transaction fee on top of that (even though there is no foreign transaction fee). This is for my MC which has no FX fees (and is great for making purchases in Europe). But, even though interest is not charged on purchases if I pay my balance by due date, the interest on cash advances is 29.99% beginning on the transaction date (even if bill is paid on due date) AND there is a 5% (minimum $10) transaction fee on all cash advances.