I don't know about anyone else, but I don't sleep much. Why? My husband snores and it's loud (don't tell him I told you). Unfortunately, other than going to a doctors office there isn't much that can be done about it. There are a few over the counter remedies you can buy, but what if you buy them and they don't work. You can try a couple of them for free and give them a try and pick the one that works best for you.
There is the SnoreRx Therapeutic Pillow Liner. This is easy to use, just remove the adhesive backing affix SnoreRx to the top of your pillow inside your pillowcase. SnoreRx's patented essential oil delivery system is designed to enhance the air you breathe and open your nasal passages to help you get a better nights rest by suppressing your snoring. We haven't tried this one yet, though I did order my free sample.....fingers crossed! To get yours, Click 'free trial' then add to cart and go through check out process, no credit card required. The form does ask for a phone number, I entered my area code then 999-9999 and it was accepted. The "free trial" for this product does not enroll you in any auto-shipment programs that you'll have to cancel later.
Breathe Right also has a freebie just click on 'Free Samples & Special Offers', then 'Get a Free Sample' on the next page to get the freebie form.
I have to admit my husband tried both of these samples. It's one of those 'he says she says' answers. He says: They worked great, I slept soundly with both and felt more rested when I woke up. She says (that's me): He may have slept better but he still snored!Add a Comment
Read The Full Article:
All economists remember the years of so called ?Great Moderation?. It was time when any[...]
Read The Full Article:
Read The Full Article:
The European Union has been hammered by the global recession that began in 2008. The recession has bit particularly hard into the EU?s newest members, the Central and Eastern European nations that were either under soviet hegemony or worse, part of the Evil Empire (Estonia, Latvia and Lithuania.) So, where are investors to make a euro in such uncertainty? Well, for astute investors looking at renewable energy in the EU, one of the hottest bets right now is ? Romania. Yes, THAT Romania, beloved of Hollywood for Dracula films, more recently?
What do you spend your money on?
I'm not talking about groceries, rent, and gas. Focus yourthoughts for a moment. Are you with me?
Savings.com is about spending money on the rightthings- whatever that means to you. Maybe you call it a splurge, but I don'twant to assign names. I prefer to think of it as a small price to pay forenjoying life. We all have expenses that we could cut, but we don't. Personalfinance blogs and counselors recommend cooking at home and not going out to eatas much as a way to cut back on costs, and no one can really argue that it'smore expensive to eat at home. But what if you're a foodie? What if yourfavorite thing to do is go to restaurants and try new cuisine? If so, then mysuggestion to stay home not only won't be applicable, but I'll be missing thepoint entirely.
I'm a self-proclaimed coffee snob, and I don't mind havingthat label. For people like my step-dad, who are content with a cup of freshlybrewed 7-Eleven coffee or Folgers , spending $20 on a bag of coffee beans is absurd.And me? Well, the last time I made instant coffee was so I could dunk my Oreoin the mixture, and I didn't think of it so much as coffee, per se. No, I'm thegirl in the office who brings her own coffee beans, and spends nearly tenminutes making French Press.
But that's okay. One of my favorite parts of the week issitting down at my favorite local coffee shop, or adventuring to a brand newone that's crossed my radar. So I cut costs other places. I don't go out to eatas much, because I'd rather spend the money on soy lattes and expensive,fair-trade Sumatra beans.
This isn't a blog post about saving extravagantly in everyarea of your life. But about choices. I'vecarpooled to work every day this week to help me save on gas. I choose to use areusable water bottle or cup at work, so I'm not wasting money on plastic waterbottles. Eco-friendly? Partially. Less expensive? Most definitely. It's moremoney I can spend on espresso..
So tell me in the comments. Tell me I'm crazy for spending$6 on a cup of brewed coffee, or that you completely agree and want to meet upand chat. Tell me what little expense you choose to keep in your life.Add a Comment
Record demand for liquefied natural gas (LNG) has created a huge new global industry for the vessels that carry the fuel. And that has created huge profits for the biggest LNG ocean tankers. Their day rates have skyrocketed... as much 2 to 3 times greater today than they were just 1-2 years ago. In fact, LNG (which is now shipped around the globe) has suddenly become the most profitable sector in the global shipping industry. It marks a sweeping turnaround from the latter part of the last decade, when the industry practically bottomed out. At that?
Greece?s economic problems are well documented around the world, and a major contributor to the economic troubles experienced throughout Europe. Greece must find a way to reduce their deficit if they have any hope of economic recovery. Several years ago some basic geological surveys were made in the western seas around Greece to determine the potential for gas and oil reserves. Currently Athens spends between ?10 and ?20 billion ($13.3-$16 billion) on oil imports each year, this equals about 5% of its GDP. The energy ministry?
Six weeks ago I wrote a post talking about a new NYC public high school called the Academy For Software Engineering. I wrote that post the day after Mayor Mike Bloomberg announced the creation of this new high school in...
Read The Full Article:
The American Way of Debt
By: Louis Hyman
Published: January 24, 2012
Format: Trade Paperback, 304 pages
"Understanding the history of debt gives us a sense of both debt's possibilities and its dangers. Rather than being an always evil bogeyman, credit has the capacity to enrich our lives and make our dreams come true. Misused and misunderstood, though, credit can just as easily become the stuff of nightmares", writes assistant professor in the Labor Relations, Law, and History department at the ILR school of Cornell University, Louis Hyman, in his very insightful and brilliant book Borrow: The American Way of Debt. The author describes the rise in consumer credit, and how it transformed both the economy and the culture of America.
Louis Hyman recognizes the importance that the role of credit played and continues to play in the consumer economy of America. The author also points out that while consumer credit added to the quality of life for many people, it caused great hardship to others. Like anything else, credit is a tool that can be beneficial if used wisely; and a danger if misunderstood or used incorrectly. The culture of America changed in the 1920s as agriculture began to be replaced by the new industrialization of the economy. As people became employees, who also held hopes of higher future incomes, those expected earnings replaced cash in hand as the reason for purchases. While credit without interest represented a danger to business in the nineteenth century, the commoditization of interest bearing credit offered a boon to business in the twentieth century.
Louis Hyman (photo left) outlines the benefits and calamities that resulted from this transition in credit and its role in the economy. The author applies solid historical research to develop his case credit is the story of both the borrower and of the lender. Both sides of the credit equation have experienced good times, when credit benefited both parties, and bad times, when credit failed one or the other signatories. The reliance on expected future earnings as the fuel to maintain the credit engine was effective in times of economic expansion.
During periods of economic recession and depression, credit not only destroyed borrowers, but many unwise lenders as well. As the current economic slowdown plays out, and credit is tighter than during the previous decade, the problems for creditors and debtors have been brought out into the open. As Louis Hyman points out, this is nothing new. These same credit based problems have arisen in the past; as Americans discover that everything old is new again when credit buying forms so much of the aggregate economic activity.
Louis Hyman guides the reader toward those periods of time when a credit based culture and economy collide with economic downturns and difficult repayment. Those periods of time also coincide with the selling of debt either welcomed gladly by investors or shunned as a terrible investment. With the commoditization of credit, the various historic and contemporary failure of debt based investment vehicles, to find an investor market, precedes and coincides with a credit and liquidity crunch.
For me, the power of the book is how Louis Hyman presents a fair and balanced historical appraisal of the role of credit in the American economy. The author does a fine job of demonstrating how, in the contemporary credit fueled bubbles, consumer credit for housing crowded out business credit. The impact of that crowding was an economy based on housing, rather than a sustainable, and more widely based economy. The housing credit bubble, along with the failure of the near worthless investment vehicles created to purchase the debt, crashed as it did during the Great Depression. The result was foreclosure for underwater home buyers, and insolvency for banks and investment houses.
Louis Hyman points out that generational memory, or lack thereof, plays a powerful role in the repetition of the credit cycle. Those generations who came of age in hard economic times either feared or showed caution with credit. The generations who came of age in good times assumed more credit risk, as they had not known the hard realities of credit and its failures. The author provides ample evidence that the story of credit in America is as much one of culture and of values, as it is of economics. When culture and economics clash, credit problems are created that damage both the culture and the economy.
I highly recommend the timely and well researched book Borrow: The American Way of Debt by Louis Hyman, to anyone seeking an engaging and well presented history of America's credit and how it almost bankrupted the country. This book is a must read for anyone who cares about the state of the economy, and the role that debt plays in both its growth and its economic depressions.
Here we model the evolution of Allstate Corporation?s (NYSE: ALL) stock price. Allstate is a[...]
Read The Full Article: