No one wants to be broke. It’s stressful, uncomfortable, and counterproductive to achieving your financial goals. While there may be some things outside of your control, like whether your boss is willing to give you a raise, there are some things you can control.
You can unknowingly prolong your financial lull by continuing to make bad financial decisions, i.e. spending money when you should instead be cutting back your spending.
You may try to justify certain purchases, rationalizing that you “need” it or that life will be too uncomfortable without it. But, more often than not, you’ll be just fine without those extra purchases. Check out a list of things you shouldn’t do when you’re broke.
Take out a loan for a new car, or for any other reason. If you’re broke, you can’t afford another monthly payment and that’s exactly what you’re adding to your plate when you take out a loan.
Go on an expensive vacation. You’re broke, you can’t afford a vacation. If you have money saved up for a vacation, there’s probably something more pressing you could spend that money on—like past due bills or car repairs, for example.
Loan money to someone else, or cosign for them. Having no money for yourself means you also don’t have money for anyone else. Cosigning is included here because cosigning a loan is essentially accepting the responsibility for the monthly payment if the other signer can’t make it.
Spend money on non-necessities. One of the hardest things to do, when you’re broke especially, is to rein in your spending and keep it only to the things you need. It’s important, however, to keep your spending to a minimum until you can afford to spend more.
Eat at restaurants. Buy groceries and prepare your meals at home.
Take your lunch to work, even if it means having leftovers.
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DelMarVa's Premier Source for News, Opinion, Analysis, and Human Interest Contact Publisher Joe Albero at alberobutzo@wmconnect.com or 410-430-5349
Saturday, September 24, 2016
Police: 4 women dead in Wash. mall shooting; suspect on the loose
SEATTLE A gunman opened fire in a crowded mall north of Seattle, killing four people and critically wounding another before fleeing Friday night, authorities said.
All four victims were women, Washington State Patrol Sgt. Mark Francis said. A man was wounded and was transported to Harbor View Medical Center in Seattle.
Francis said police were searching for a Hispanic man wearing black and armed with a rifle who was last seen walking toward Interstate 5.
“We are still actively looking for the shooter. Stay indoors, stay secure,” Francis said at a news conference.
Francis said at a news conference that the shooter was armed with a hunting-style rifle, and it was unknown if the attack was targeted. The motive is unknown, Francis said.
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A Viewer Writes: Republicans need course on flag etiquette
Troopers Arrest Rehoboth Beach Man after Drug Investigation
On, Tuesday, September 13, 2016 the Delaware State Police Sussex County Drug Unit and the Rehoboth Beach Police Department concluded a one month drug investigation after receiving information that Garrett M. King was selling quantities of cocaine from his residence. A search warrant executed of his vehicle during a traffic stop, on Scarborough Avenue in the limits of Rehoboth Beach, uncovered over 20 grams of powder cocaine, 7.2 grams of marijuana, a digital scale, handgun, shotgun, rifle and over $500.00 in suspected drug proceeds. A search warrant executed at his residence, located in the unit block of Hickman Street, Rehoboth Beach, revealed drug paraphernalia and various types of ammunition. King was taken into custody during the traffic stop.
Garrett M. King, 33 of Rehoboth Beach, was transported to Troop 7 in Lewes where he was formally charged with the following as a result of the investigation: PWITD Tier 4 Cocaine, Possession Firearm by Person Prohibited, Possession Drug Paraphernalia, and Possession of Marijuana.
Garrett M. King was arraigned before the Justice of the Peace Court 2 and released on $20,701 Unsecured Bond. (Mugshot attached)
Huge Yard Sale Today
HUGE Yard Sale this Saturday 9/24, 7am
Cross Pointe Church
27765 Nanticoke Rd, Salisbury, MD 21801
youth group fundraiser
Cross Pointe Church
27765 Nanticoke Rd, Salisbury, MD 21801
youth group fundraiser
bake sale too
furniture, toys, books, games, clothes, sewing supplies, crafts, small kitchen appliances, homeschool materials, pictures, you name it!
Guns Sell Out In Charlotte As Local Police Refuses To Release Shooting Video
With both a state of emergency implemented and the national guard deployed in Charlotte overnight following a second night of rioting, there was hope the mood in the city tonight would be less violent. That however, may prove optimistic now that the Charlotte police announced they do not plan - for now - to release a video showing the fatal shooting of Keith Scott by officers, and which that has sparked two nights of violent protests in North Carolina's largest city, the department's chief said on Thursday.
The video will only be shown to the family of Keith Scott, 43, who was shot dead by a black police officer in the parking lot of an apartment complex on Tuesday afternoon, Charlotte-Mecklenburg Police Chief Kerr Putney said.
The reason the video is relevant is because many of the protesters dispute the official account of Scott's death. Police contend he was carrying a gun when he approached officers and ignored repeated orders to drop it. His family and a witness say he was holding a book, not a firearm, when he was killed. "I'm not going to release the video right now," Putney told reporters, the morning after nine people were injured and 44 arrested in riots over Scott's killing.
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The video will only be shown to the family of Keith Scott, 43, who was shot dead by a black police officer in the parking lot of an apartment complex on Tuesday afternoon, Charlotte-Mecklenburg Police Chief Kerr Putney said.
The reason the video is relevant is because many of the protesters dispute the official account of Scott's death. Police contend he was carrying a gun when he approached officers and ignored repeated orders to drop it. His family and a witness say he was holding a book, not a firearm, when he was killed. "I'm not going to release the video right now," Putney told reporters, the morning after nine people were injured and 44 arrested in riots over Scott's killing.
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Bill Clinton on Foundation Pay-to-Play Accusations: 'I Trusted the State Department Wouldn't Do Anything They Shouldn't Do'
Monday on NPR’s “Morning Edition,” former President Bill Clinton defended his wife, Democratic presidential nominee Hillary Clinton and their family organization the Clinton Foundation, against allegations that donors were given special access to then-Secretary of State Hillary Clinton’s State Department.
When asked if people might have donated in hopes of getting special access, Bill Clinton said, “Well since we had more than 300,000 donors, it wouldn’t be usual if nobody did. But the names I saw in the paper—none of them surprised me and all of them could have gotten their own meeting with Hillary. You know when you have been doing this kind of work for as long as we have, you know the people who are the major players. And also some of them who call my staff—people were doing double duty back then and I had an office of the former president—when it was natural for people who’ve been our political allies and personal friends to call and ask for things.”
“And I trusted the State Department wouldn’t do anything they shouldn’t do, from a meeting to a favor, and so it didn’t surprise me that people would call from time to time,” he continued. “And maybe some of them gave money for that reason but most of them gave it because they liked what we were doing and because they knew me. And after she came on to the foundation for a couple of years they knew her. I mean Melinda Gates didn’t get involved in the No Ceilings project with Hillary because she needed to support her, or me, or the foundation for access. She did it because the Gates Foundation cares about trying to elevate the standing of woman and girls in America and throughout the world, and that’s what they did with No Ceilings.”
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When asked if people might have donated in hopes of getting special access, Bill Clinton said, “Well since we had more than 300,000 donors, it wouldn’t be usual if nobody did. But the names I saw in the paper—none of them surprised me and all of them could have gotten their own meeting with Hillary. You know when you have been doing this kind of work for as long as we have, you know the people who are the major players. And also some of them who call my staff—people were doing double duty back then and I had an office of the former president—when it was natural for people who’ve been our political allies and personal friends to call and ask for things.”
“And I trusted the State Department wouldn’t do anything they shouldn’t do, from a meeting to a favor, and so it didn’t surprise me that people would call from time to time,” he continued. “And maybe some of them gave money for that reason but most of them gave it because they liked what we were doing and because they knew me. And after she came on to the foundation for a couple of years they knew her. I mean Melinda Gates didn’t get involved in the No Ceilings project with Hillary because she needed to support her, or me, or the foundation for access. She did it because the Gates Foundation cares about trying to elevate the standing of woman and girls in America and throughout the world, and that’s what they did with No Ceilings.”
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Friday, September 23, 2016
Auditors: Franchot's office miscategorized 14,000 tax returns, sent $8.7 million to wrong towns
Auditors blame the mistake on the erroneous classification of more than 14,000 returns.
Auditors also found problems with how the office handles out-of-state tax credits, keeps information secure, and issues replacement refund checks. The audit, obtained by The Baltimore Sun, is expected to be broadly released Thursday.
The comptroller's office said it has worked diligently to correct the mistakes.
Franchot, a Democrat, defended his office Wednesday.
"We have the finest comptroller's office in the country," he said. "I have a terrific staff of people."
Franchot said his office inherited the revenue distribution problem from previous comptrollers, discovered and corrected it. He said he worked with the Maryland Association of Counties to resolve the erroneous transfers, and put jurisdictions that had been overpaid on lenient repayment schedules.
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Justifying the Fascism of Hillary’s Pay-for-Play
Via The Daily Bell
Hillary vs. the Hate Machine: How Clinton Became a Vessel for America’s Fury … Decades of right-wing attacks turned a crusader of women’s rights into a major target of hate “The underlying thing about Clinton and her candidacy is it’s not normal. Normal is a male candidate, a male voice, a male tie.” –Rolling Stone
This recent article in Rolling Stone makes it clear that Hillary is a flawed candidate but that her flaws are not criminal and that she is far more desirable than Trump as president.
In doing so, this article attempts to justify a kind of fascism called “pay-for-play” by minimizing its impact. And it justifies Hillary’s other criminal and sociopathic behavior by virtually ignoring it.
Fascism, classically is associated with authoritarian (governmental) control over the private sector. And certainly pay-to-play comes close to that. The government makes it possible for a specific institution or individual to carry out a given task or service that others have no possibility of performing.
In Hillary’s case, pay-for-play was made possible by the Clinton Foundation. It seems that those who sought her influence or Bill’s influence with political issues could make a donation to the Foundation in return for receiving special treatment.
If true, as it appears it is, the corruption is on an unparalleled level, dwarfing other fedgov scandals. And as we pointed out just yesterday, by running these articles, the mainstream media is significantly devaluing its larger credibility, given the apparent significance of what’s going on.
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Hillary vs. the Hate Machine: How Clinton Became a Vessel for America’s Fury … Decades of right-wing attacks turned a crusader of women’s rights into a major target of hate “The underlying thing about Clinton and her candidacy is it’s not normal. Normal is a male candidate, a male voice, a male tie.” –Rolling Stone
This recent article in Rolling Stone makes it clear that Hillary is a flawed candidate but that her flaws are not criminal and that she is far more desirable than Trump as president.
In doing so, this article attempts to justify a kind of fascism called “pay-for-play” by minimizing its impact. And it justifies Hillary’s other criminal and sociopathic behavior by virtually ignoring it.
Fascism, classically is associated with authoritarian (governmental) control over the private sector. And certainly pay-to-play comes close to that. The government makes it possible for a specific institution or individual to carry out a given task or service that others have no possibility of performing.
In Hillary’s case, pay-for-play was made possible by the Clinton Foundation. It seems that those who sought her influence or Bill’s influence with political issues could make a donation to the Foundation in return for receiving special treatment.
If true, as it appears it is, the corruption is on an unparalleled level, dwarfing other fedgov scandals. And as we pointed out just yesterday, by running these articles, the mainstream media is significantly devaluing its larger credibility, given the apparent significance of what’s going on.
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Eleanor Clift says, ‘Hillary Clinton isn’t sick; you are’
Maybe it’s time for Eleanor Clift, age 76, to call it quits after a long and distinguished career. What distinguishes her career most is its coincidence with those halcyon years for now-aging liberal journalists (think also Dan Rather, who is 84) when the “news” automatically tilted left and no one in the American public was any the wiser.
Clift’s column on Monday argues that the reason there is so much fuss over Hillary Clinton’s health is that she’s a woman. It’s worth pausing and noting that Clift has been around long enough to remember a time before the coining of the word sexism, when articles like hers would never have been conceived of.
But Clift’s column now makes as little sense as it would have in 1950, when she would more likely have been out playing been jacks with other little girls in the neighborhood than penning angry, if ineffectual, columns. The subtitle of her article — “Older men look distinguished. Older women, well… The deck is stacked against Clinton here” — is frankly about as silly as you can get.
That’s not to say she doesn’t get sillier in the column proper:
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Clift’s column on Monday argues that the reason there is so much fuss over Hillary Clinton’s health is that she’s a woman. It’s worth pausing and noting that Clift has been around long enough to remember a time before the coining of the word sexism, when articles like hers would never have been conceived of.
But Clift’s column now makes as little sense as it would have in 1950, when she would more likely have been out playing been jacks with other little girls in the neighborhood than penning angry, if ineffectual, columns. The subtitle of her article — “Older men look distinguished. Older women, well… The deck is stacked against Clinton here” — is frankly about as silly as you can get.
That’s not to say she doesn’t get sillier in the column proper:
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Mike Rowe returns to Baltimore with new show
Rowe hosted a show, called "Dirty Jobs," in which he tried everything from cleaning wind turbines to cleaning a sewer backup.
His show at The Lyric Opera House is called "Dirty Talk with Mike Rowe," but it's safe for kids. He'll tell stories from the 300 episodes of "Dirty Jobs."
Rowe, who grew up in Baltimore, will be performing where he got his start at The Lyric.
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Number of People Wrongfully Given American Citizenship Much Higher Than Originally Reported
CNN’s Jake Tapper reported on Tuesday that the number of people who were wrongly granted American citizenship when they were supposed to be deported is much higher than originally reported.
The number of individuals who were supposed to have been deported but were instead granted citizenship is far higher than was initially reported by media covering the Department of Homeland Security Inspector General’s office report on the matter.
On Monday, the Inspector General reported that 858 individuals from “special interest countries” — meaning countries that are considered to be “of concern to the national security” of the US — were supposed to have been deported but were instead granted US citizenship.
The Department of Homeland Security Inspector General’s office said in a footnote that 1,811 people had been granted citizenship wrongly.
But the truth is the report is even worse than reported, with more than 1,800 individuals naturalized who should have been deported from the country.
[…]
That amounts to a total of 1,811 individuals granted citizenship who should not have been.
The new number is an increase of 953 people from the original number reported.
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The number of individuals who were supposed to have been deported but were instead granted citizenship is far higher than was initially reported by media covering the Department of Homeland Security Inspector General’s office report on the matter.
On Monday, the Inspector General reported that 858 individuals from “special interest countries” — meaning countries that are considered to be “of concern to the national security” of the US — were supposed to have been deported but were instead granted US citizenship.
The Department of Homeland Security Inspector General’s office said in a footnote that 1,811 people had been granted citizenship wrongly.
But the truth is the report is even worse than reported, with more than 1,800 individuals naturalized who should have been deported from the country.
[…]
That amounts to a total of 1,811 individuals granted citizenship who should not have been.
The new number is an increase of 953 people from the original number reported.
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New African American History Museum Holds Few MLK Artifacts
King is certainly there in photos and film clips. His fraternity membership card and posthumously awarded Presidential Medal of Freedom are there, along with a bucket he’s said to have soaked his feet in during the civil rights march from Selma to Montgomery.
But there are none of his hand-scrawled speeches and notes, well-worn suits or personal keepsakes. King’s estate, controlled by his three surviving children, owns and controls much of the slain civil rights leader’s memorabilia.
The museum, part of the Smithsonian, didn’t respond to repeated requests from The Associated Press for comment for this story. Museum director Lonnie Bunch told The Washington Post (http://wapo.st/2cvvu0k) the institution wants things it can keep rather than loaned items.
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A question for Charlotte: How does looting a Walmart, burning a truck advance your cause?
It was a night of terror in Charlotte, North Carolina.
A rioting mob shut down Interstate 85 -- attacking terrified motorists.
One female truck driver cried as she told a reporter that her cargo was being set on fire.
Looters pillaged and plundered a Walmart.
More than a dozen police officers were injured -- along with civilians and at least three reporters.
Todd Starnes is host of Fox News & Commentary, heard on hundreds of radio stations. His latest book is "God Less America: Real Stories From the Front Lines of the Attack on Traditional Values." Follow Todd on Twitter@ToddStarnes and find him on Facebook.
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A rioting mob shut down Interstate 85 -- attacking terrified motorists.
One female truck driver cried as she told a reporter that her cargo was being set on fire.
Looters pillaged and plundered a Walmart.
More than a dozen police officers were injured -- along with civilians and at least three reporters.
Todd Starnes is host of Fox News & Commentary, heard on hundreds of radio stations. His latest book is "God Less America: Real Stories From the Front Lines of the Attack on Traditional Values." Follow Todd on Twitter@ToddStarnes and find him on Facebook.
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Ocean City Council conflicted over plumbing permit regulations
Apparently the language in the current plumbing code, which was updated several months ago, left some property owners wondering whether they could do small jobs themselves, instead of having to call in a contractor.
Planning and Community Development Director Bill Neville suggested that the City Council create a new ordinance that spells out what sorts of fixture installations or replacements did not require a permit. The Council, however, opted to simplify the language even further in a 6-1 vote.
But when their suggestions were written out in an ordinance that was presented to them during the Sept. 19 session, some councilmembers were divided on whether that would address the issue.
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Waterproof: Mike Pence Speaks in Pouring Rain - While Hillary Sleeps!
"There's something visually striking about a vice presidential candidate speaking in the pouring rain"
Republican vice presidential candidate Mike Pence illustrated the strength of the Donald Trump campaign Tuesday when he gave a speech in Virginia in the middle of the pouring rain.
Nearly 700 supporters gathered at the Capitol in Colonial Williamsburg to hear the Indiana governor’s half hour long speech, given almost entirely in the rain.
Republican vice presidential candidate Mike Pence illustrated the strength of the Donald Trump campaign Tuesday when he gave a speech in Virginia in the middle of the pouring rain.
Nearly 700 supporters gathered at the Capitol in Colonial Williamsburg to hear the Indiana governor’s half hour long speech, given almost entirely in the rain.
Pocomoke hardest hit by downpour
By late Monday afternoon, floodwaters had crossed Route 113’s southbound lanes north of Pocomoke City in at least two places, Route 756 was about to be shut down, and both Market Street and Clarke Avenue were closed in places because of rising water from a coastal storm.
By Tuesday morning, City Manager/City Attorney Ernie Crofoot said things had become calmer, the flash flooding had started to subside and cleanup efforts were underway.
“The combination of the volume of rain, the short time factor and the fact that stormwater mitigation swales and other measures can only hold so much water led to the flooding,” Crofoot said.
The wastewater treatment plant was “the least of his concerns” on Monday, he said, though the town did need to switch holding lagoons to accommodate all the runoff. Crofoot said several manhole covers in town were dislodged and overflowed during the squall.
Reports of a lightning strike at Pocomoke’s Hartley Hall were confirmed by Gary Crowley, administrator. The strike did not hit the center itself, but nearby, causing minor issues but not interrupting services to residents. Though the flooding was severe near Hartley Hall, the facility did not take on water, Crowley said.
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By Tuesday morning, City Manager/City Attorney Ernie Crofoot said things had become calmer, the flash flooding had started to subside and cleanup efforts were underway.
“The combination of the volume of rain, the short time factor and the fact that stormwater mitigation swales and other measures can only hold so much water led to the flooding,” Crofoot said.
The wastewater treatment plant was “the least of his concerns” on Monday, he said, though the town did need to switch holding lagoons to accommodate all the runoff. Crofoot said several manhole covers in town were dislodged and overflowed during the squall.
Reports of a lightning strike at Pocomoke’s Hartley Hall were confirmed by Gary Crowley, administrator. The strike did not hit the center itself, but nearby, causing minor issues but not interrupting services to residents. Though the flooding was severe near Hartley Hall, the facility did not take on water, Crowley said.
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