The harrowing recession began in 2007 overturned the American priorities, with frugality now considered a virtue for the first time in decades. Despite recent uptick in spending, retail sales remain lower than they were three years ago. Sales of homes, cars and appliances have plunged. Shoppers have cut the toilet paper and cigarettes, once thought recession proof. Although sales are down porn. Thrift, it seems, has no borders.
However, the Americans clung to a few expensive necessities surprising, reflecting changes in American society that go far beyond pennies. Food, clothing and housing have long been staples most obvious. But the data he has finally roll into the wind as the recession shows that we also need a little entertainment and a tasty beverage or two. The company is more important than ever – even if it is not the man. And you can not even find a job these days if you do not have Internet access. As we redefine what is really important, here are 10 new key U.S.
1. Laptops (Portable computers)
IPAD could be the latest must-have gadget, but the computer power transcends trendiness. Brianna Karp, for example, has discovered a lot of homeless people in line, saving many through their own laptop, as she. Shipments of phones have skyrocketed over the last three years, with sales in 2010 may be twice what they were in 2007, according to the Consumer Electronics Association. Part of the jump comes from netbooks but cheap laptops of all sizes are more pervasive than we socialize, communicate, shop, get our new and increasingly live our lives online. sales office, meanwhile, have been on a steady decline, stability, mobility assets.
2. High-speed internet
Many people have reduced cable television, telephone service, and even gas and electricity use. But once you have access to high speed Internet, you do not go back. In a poll by the Pew Research Center last year, high speed Internet was one of three things that people said was a necessity in 2009 than in 2006. Appliances such as microwaves, dryer and dishwasher, however, are considered less important in 2009 than they had. And the data of the Telecommunications Industry Association shows that the rapid increase in the number of broadband Internet subscribers hardly slowed in 2008 or 2009. In 2013, more than 90 percent of all Internet connections in the United States will be high speed.
Global sales of mobile phones fell for the first time in 2009. But sales of smart phones – which can handle email, browse the Internet and do a variety of other things – increased 7 percent, according to TIA. And sales could jump 25 percent this year, as people who have been putting off upgrades mobile finally NAB iPhone or Blackberry of their dreams. As laptops, smart phones have become a lifeline for multitasking harassed we pretend that we are not.
As Kevin and Deanna Daum were spiral into bankruptcy in 2009, they decided they could live without their two cars, their two homes, and most of the subtleties. But they insisted on keeping tuition of their son, then an elderly person in a private secondary school. Many Americans seem to feel the same.
Although the data does not readily show how much families spend on education, many families say they have given up other things to protect their children’s education, whether in school or a private school, tutoring, enrichment programs or activities related to school. private school enrollment has decreased by less than one percent of 2008-2010, and university enrollments have increased over the past two years. This is partly because jobs are scarce, but also because Americans value education at all. “It’s an investment that pays very well,” said Sandy Baum, an economist at the College Board. “People are willing to borrow for it and they know it is shortsighted to abandon.”
Amercian spend less on entertainment – but watching more television. A recent study by Deloitte has found that typical American watches worth nearly 18 hours of shows on TV at home every week, two hours longer than last year. One reason could be that people are more unemployed kill time at home. But television can also be seen as a cheap alternative to sports events, concerts and buying DVDs. And hard core viewers can not be all that short, since sales of HDTVs have increased steadily throughout the recession.
Ticket sales dipped in 2008 but rebounded in 2009, reaching a peak in five years. One major reason was Avatar and other films in 3-D, which accounted for 11 per cent of the fund to take in 2009, up 2 percent the previous year. Any increase in box office is a victory for the cinema, which until last year had been losing viewers for home theater systems and a growing range of films on cable and the Internet.
7. Music downloads
The need for mobility applies to music, too. CD sales fell 21 percent in 2009, but downloading entire albums and singles grew almost as much. The Pew study comparing luxury and needs helps explain why, more people considered an iPod a necessity in 2009 than in 2006 despite the recession.
Fido is sitting at the table these days. Maybe even the head of the table. While Americans have cut back spending on themselves, spending on pet food, supplies, grooming, veterinary care and clothing (clothing?) Has been the continuing rise of around 5 percent year. Industry representatives attribute this to the “humanization” of pets, which has led many pet owners to close the “quality of life gap” between their animals and themselves. The iWoof can not be far behind.
Smoking does not make us less than fully virtuous. The Americans fell alcohol upscale, but we are drinking enough to compensate for cheap stuff, which is the usual trend during recessions. Beer and wine have increased slightly during the same in recent years. With a bar and restaurant sales down, which suggests more people are drinking at home – while they watch television, no doubt.
The Americans have followed the advice of pennies, and then returned to the stud of $ 5 per day. But they make up most infused their own coffee. About 56 percent of American adults drink coffee, a proportion that has not changed in recent years. But a recent survey by the National Coffee Association found that 86 percent of coffee drinkers have their own home, up from 82 percent a year earlier. And those who drink coffee at another place (think Starbucks) fell from 31 percent in 2009 to 26 percent in 2010. Of course, if people are drinking more alcohol at home, then it is logical that they themselves be more doses of coffee, too. If the economy improves, perhaps we need less of each.
Remember the scene in “Roman Holiday” when Audrey Hepburn and Gregory Peck danced on a barge anchored in the Tiber? Well, that barge still exists. It is, in fact, the cheapest, most popular spot for evening dancing in Rome. The barge is tied to a dock on the Vatican side of the river, directly in front of the Castel Sant’ Angelo.
There’s no admission, and drinks are not so expensive. All through the evening, a record-player sends slow fox-trots over the waters, and you can either dance or simply sit on soft easy chairs and enjoy the river view-no one will urge you to buy more than one drink per person. I don’t know the name of the dance-barge; I don’t even know whether it has one.
Actually, the most popular form of evening entertainment in Rome is to sit at a sidewalk cafe on the Via Veneta, and watch the passing parade-a wonderfully varied procession of chic women, tailored men, types and characters of every sort. The cafes charge not much for a coffee, and a coffee will last you an hour.
An interesting sidelight: each year on the Via Veneta, one or two particular cafes become mystically selected as the places to sit. Their sidewalk tables are then fully packed, while the cafe next door-same prices, same decor-is empty and forlorn. In any event, be sure to spend a few evening hours simply sitting there over a budget coffee; you’ll be glad you did.
One last suggestion for evening activities: go to a museum. There is at least one major museum open every weekday night in Rome, between the hours of 9 and 11:30 p.m. That permits you to keep up with your sightseeing schedule in Rome, and to do it at the best time of day. While these late-hour evenings vary-and must always be currently checked-the lovely Borghese Museum seems to stay open late on Thursday nights, and the Capitoline Museums, atop the Campidoglio Hill (one of which is devoted to art, the other to sculpture, with one ticket admitting you to both), most definitely stay open late on Saturday evenings. And check to learn the late evening schedule of the fascinating Etruscan Museum, in the Valle Giulia, on the far side of the Borghese Gardens. It also has evening hours on one night a week, but the days vary.
Consumers should be especially vigilant during the holiday season because identity thieves out en masse. Therefore it is essential that consumers keep their debit cards on the ice, “said Beth Givens, director of the Human Rights Chamber of privacy and exchange one of the foremost experts on the nation Protecting your private information confidential.
What makes debit cards so dangerous? Givens has so many reasons, his organization has developed a comprehensive information sheet if you must use cash, credit or debit card when you shop. (The report also explains the failure of gift cards.)
Here is the short version of the dangers of speed:
1. Limit Losses
Like credit cards, federal law limits your liability for fraudulent transactions on a debit card at $ 50. But only if you notify your financial institution within two days of discovery of theft. If you are a cadet of the space and do not check your bank statements for a couple of months, you could lose everything.
2. Pay Now / Reimburse Later
If someone has fraudulently used your credit card, you do not pay the fee. But when someone has fraudulently used your debit card, money is deducted directly from your account in real time. That means you’re out of money while the bank does have a quiet examination of their records to assess your application fraud. Many consumers complained to the Privacy Rights Clearing House have said they have lost access to their funds for several weeks. In the meantime, they have been caught short and unable to pay their bills, Givens said.
3. Merchant Disputes
The same problem affects merchant disputes. If you pay with a credit card when ordering something online, and that the product is damaged, broken or not at all, you can dispute the charge and stop payment by credit card. If you used your debit card, fees are paid when you order. When you find the goods were not what was announced, the merchant has your money and you are in the unenviable position of having to fight to get your money.
4. Phantom Expenses
If you use a credit card in a hotel, the hotel makes an impression when you register, but do not charge your card until you visit. It is a very different story with a debit card. Generally, the hotels put on hold “on funds in your account for more than you spend. Yes, more. They hold the entire amount of your stay, plus an estimated amount for “false”, such as meals at the hotel restaurant and diving into the mini-bar. This is not a real charge, the hold comes off your account at the end of your stay. But it affects the available balance in your checking account anyway and can lead to overdrafts. One consumer said that these accusations phantom cost him $ 140 in overdraft fees. These takeovers are usually placed on transactions made by debit card at hotels, service stations and car rental companies.
5. Overdrafts, Overdraft and Most Found
Overdraft charges have soared in recent years and the vast majority of consumers who pay to explain their discovery is the result of a transaction by debit card. Many consumers naively that if they have insufficient funds in their accounts, their bank would not approve a slip flow. But they were wrong. The result: a $ 4 coffee could trigger an overdraft fee of $ 35. Government regulators are reigning in these costs by requiring banks to give consumers the opportunity to “opt out” of overdraft protection automatically, but that does not begin to existing accounts until August. (If you have a new account, it starts in July.)
Financial scammers have obtained sophisticated in recent years and that you use “skimming” machines to read your card information and charge your account, “said Givens. When your debit card is skimmed, your bank account can be drained before you know you’ve done.
The Battery, Central Park, the Empire State Building, Metropolitan Museum of Art, Museum of Natural History, Museum of the City of New York, New York Public Library, Radio City, Wall St., and many others.
If those who originally planned the streets of New York had possessed enough imagination to foresee the down-town habit of the present day, no doubt they would have arranged matters differently. They fancied that the city would be a great shipping center, a seaport; and that people would need many streets running toward the water on either side.
Moreover, the long backbone of Manhattan, being high ground from which there was a general slope away toward the rivers, must have suggested that the natural drainage and sewerage of the city would be along the many ribs or streets running east and west. No one thought then that in a comparatively few years half the population would, morning and evening, be moving along the ridge of the island, crowding, clutching, struggling with one another, like so many ants traveling along the narrow top of a fence rail.
A glance at the map will show the peculiar disposition of the land. And it will also show hundreds of streets running east and west from river to river; but, at its widest part (Fourteenth Street), only seventeen avenues running north and south, and the majority of these not available for through traffic. The map, when taken in connection with the accepted idea of most New Yorkers that business must be transacted within a stone’s throw of Wall Street and living must be carried on in the neighborhood of the Central Park, will explain, readily enough, why there is so much friction during the “rush” hours. Hundreds of thousands of human ants want to pass along the fence rail at the same time. The transportation of a million or more people a day from one point to another along the high ridge of crowded Manhattan is no easy task. They say in London or Paris or Berlin, with a little air of superior experience, that they do things differently over there. True enough, but the chances are they could not do this kind of thing at all.
The movement of these large bodies of people along the ridge begins early in the morning. From seven until ten o’clock one may notice the drift of people in the side streets toward the main thoroughfares. Men hurry along for a block or so and then disappear down a subway entrance, or up the steps of an elevated station, or they turn down an avenue to wait for a surface car.
The surface lines along Third, Fourth, Sixth, and Seventh Avenues are always crowded with passengers from Harlem down as far as Union Square; but they are not usually taken by people who are moving toward the lower part of the city. They are not fast enough and are subject to being held up at every street crossing. The crowd in them is “getting to business” in the up-town stores and offices, or else is coming down from the region of the park to shop or travel or keep some form of engagement.
It changes completely every few years in the endeavor to accommodate itself to the increased demand; but the crowd keeps growing faster than human wit can devise larger and better means of transportation. The foreign visitor who stands agape at this packing of cars has not the smallest idea of the problem presented. It is not the moving of a few thousand people at leisure, but the carrying each day of nearly two million passengers in the borough of Manhattan alone, and the bulk of them during the “rush” hours at morning and evening. The squeezed and jammed and jellied public knows something about this, and, sensibly enough, agrees to accept the inevitable.
The volume of this up-town crowd of buyers, travelers, clerks, managers, typewriters, and shop girls that fill the surface cars in the early morning is by no means insignificant. It is really enormous, almost as great as the crowd that gathers in the neighborhood of Wall Street. For it is an exaggeration to say that all business is done down town. There are many large banks, insurance companies, printing-offices and wholesale houses, to say nothing of the retail shops, in the upper city. Then too, most of the railroading, manufacturing, and shipping is carried on along the upper east and west sides.
And though all the surface cars in the morning going down town are filled to overflowing, the returning cars are not entirely empty. There are stray currents of humanity that help restore the lost balance — people who for one reason or another move in an opposite direction to the main streams. Harlem and beyond are not deserted when the Stock Exchange opens. Some business, some traffic is going on all over the city, at all times.
However, the main currents in the early morning set toward Wall Street and they find the lines of most resistance but of least time by way of the elevated roads and the subways. The crush on these through lines is similar to that on the surface cars. Train after train hums and rattles its way into the station to find a long wall of humanity lined up on the platform ready to board it. There is a clank of gates or the slam of an iron door, a few apologetic-looking people respond to the guard’s call of “Passengers off first”; then there is an “All aboard,” followed by a steady stream of people pouring in at each end of each car. The gates slam shut, the signal cord is jerked violently, the train with its electric power responds with another jerk, and is quickly under way. After half a dozen stops the train is filled, and if it is an express it runs through to The Bridge or Rector Street or South Ferry; if it is a local, it continues adding passengers, until the aisles and platforms are crowded, and people are hanging by straps as in the surface cars.
It is the same good-natured, tolerant crowd, whether met with on the surface and elevated roads, or in the subways. It stands jostling, pushing, elbowing with the utmost composure, each one knowing very well that he himself cannot get in or get out without doing the same thing. It even tries to be indifferent, looks out of the window or, more often, hides its face in the morning paper, if the crush is not too violent for the use of its hands. But the morning paper is not taken very seriously.
The disembarked hastens downstairs to the street or scrambles upstairs out of the subway, as the case may be, and there it meets and mingles with the larger moving throng of the lower city. Whence came this greater throng? How did it arrive here? What was its method of transit? To answer such questions one has only to remember that the island of Manhattan does not begin to furnish houses and homes for all the people that do business in the city. There is a great host living on the outskirts, in the suburbs, within a radius of thirty miles of the City Hall, that comes and goes each day with more regularity than the tides in the harbor. This does not mean merely the contingent living to the north of the city in Westchester, or along the sound in Connecticut, though the representation from there is vast enough in proportions to fill the trains from Forty-Second Street down to the lower city. The streams of humanity flowing from that water-shed are very large and yet apparently they dwindle into insignificance compared with what pours in from Long Island.
Up through Brooklyn and along the great bridges there is continuous travel by trolley, motor, and foot, from early in the morning. Before nine o’clock the tide is at its flood. Around the New York exit of the Brooklyn Bridge the currents from many directions meet and mingle to make a veritable whirlpool of humanity that circles and eddies, foams and dashes, gets mixed up in a roaring swirl, then collapses in froth, dissipates, and finally trickles away in small streams to various points of the compass. Of course there is a blocking of traffic, and occasionally an accident, due to the rush off or on the cars, that produces confusion, excitement, loud protest, or angry denunciation. But this, though a not unusual occurrence, always leaves the pushed and hustled crowd more or less indifferent. Everyone knows that the thoroughfares are insufficient during “rush” hours; but they do not know how matters can be helped.
There is less of a crowd at the Williamsburgh Bridge because it is not the most direct route to the lower part of the city. It is one of the ways by which those who do business in the middle Broadway region travel, and it contributes its sum to the mass that each morning moves into the city; but it lends not directly to the congestion of the lower town. Still, though it is not a direct way, it adds something, like the ferries beneath it that keep coming and going from shore to shore. Time was when the ferries at South and Wall and Fulton streets were the only means of getting into the lower town from Brooklyn, and they were then, in the morning hours, often loaded with people to the gunwales; but since the building of the new bridges and the opening of the Battery tube, they have been used but little. Eventually their occupation will be gone completely.
Thousands upon thousands swarm into the city from Long Island. Bridges creak and ferries strain and tunnels roar with the weight of them; and the rasp and shuffle of their feet along the decks, along the bridge approaches, and along the flagged streets help make that deep undertone of the city to which the electric cars add the high note.
Yet Brooklyn and beyond is only one source of intake. The shores of the Upper Bay, Staten Island, Coney Island, send up their quota by steamer and ferry-boat; while from the Hudson, reaching far into the state, steamboats and railways are bringing down and disembarking more thousands to swell the throng. But the body of commuters that comes in from New Jersey is, perhaps, the greatest of them all.
Probably four hundred thousand people is a moderate estimate for those who daily travel into New York from across the Hudson. It is nearer, no doubt, to a million. The local trains on all the railways through New Jersey are crowded from seven to ten in the morning, and the double-decked ferries that push and snort and whistle their various ways from shore to shore look black with massed humanity.
Again, as on the East River side, there are long tunnels under the Hudson, carrying passengers in swift electric cars; and these are lessening the crush on the ferries for the time being, but it will not be long before both tunnels and ferries are once more inadequate. The population in New Jersey that comes and goes daily to New York is increasing by thousands each year, and the greater the ease in getting to town, the better the traveling facilities, the more people there are willing enough to live in the country in preference to the crowded quarters of the upper city.
Much has been written about how difficult economic times forced them to postpone couples divorce. They simply can not afford. The legal fees and accounting fees grow as a union is dissolved and a two-earner family life less than a pair of two single-person households.
As the economy improves, we’ll probably see the divorce rate climb. But even if money woes are not separate couples, financial disputes are still the cause of irreconcilable differences. Here are seven common financial issues that may lead to a divorce:
More women enter the marriage with assets of their own and many earn more than their spouses. According to the Bureau of Labor Statistics, one in three women married outside her husband wins. This amount increases by more than half if they earn $ 55,000 or more.
Men may feel threatened by not having their bragging rights as traditional breadwinners. For women, this means they have their own money away from the irresponsible action of a companion. With more play, women can not afford to be accepted to their partner how past generations were.
Utah State University Professor Jeffrey Dew author of a study often cited, which found that couples argue about finances at least once a week are 30% more likely to divorce than those who do sometimes leads to questions of money. Couples with no assets were 70% more likely to divorce compared to couples with assets of $ 10,000.
Cup in the ability to build the assets is dependent upon long-standing American credit card, but it can be a source of optimism. Who raised a record $ 988 million in revolving debt in 2008, the Americans eroded nearly 90 billion dollars last year there, according to the Federal Reserve. credit cards less debt should result in increased savings, more active and potentially more couples happy.
As part of an investigation last year, Fidelity Investments has found that less than half of couples make the daily decisions and financial issues such as budgeting and paying bills (45%) .
In many couples, one person is still paying the monthly bills at the beginning while the other could wait until the due date and beyond. checks can be cut even more stressful when one blows unnecessary monthly budget shopping and boyfriends do not take kindly to cable or text message their expensive batteries Better Half in the mixture.
While half of the relationship may be economical, offering dedicated and committed to building a retirement plan, the other may be more carefree, with a live “today, you can not take it with you “Outlook.
We can assume that investment decisions are increasingly dividing couples if both partners are financially sophisticated. The risk tolerance may be incompatible with the objectives out-of-synch.
Dump Apple or go long can also be a divisive debate that how often a mother-in-law visit. Overlooking an investment portfolio or 401 (k), one spouse may want to explore emerging markets fund, while the other rejects nothing, but in any national security to the large caps and bonds.
Then about a guy find true happiness with a sort of fundamental analysis of the gal?
There is no shortage of men and women who value money more than love and companionship. You can be quite content to “live love” and weather financial situation “for better or for worse.” But she may feel entitled to a McMansion in a suburb of Tony and a Mercedes in which to drive your children to private school. Trouble is brewing with his latte grand prize.
Financial infidelity is a newly coined term that describes situations in which one spouse is hiding cash or credit to his companion.
This may seem like a good idea to have a credit card or bank account secret that you can tap into, but your partner will probably be a big scandal in the underground. Beyond financial dishonesty on the screen, such gains may be a warning sign of even greater transgressions – maintaining a slush fund to pay the tab strip club or support a mistress on the sly.
Topping the bestseller’s lists, taking over our TVs, breaking box office records – immortals are so hot right now. But like with any new relationship, there are pros and cons for each, so whether you’re Team Vampire or Team Werewolf, GLAMOUR.com has compiled the essential guide to surviving dating outside your species, just in case you bag yourself an Edward or Jacob…
Dating a Vampire
Like your relationships with more bite? Well, you’re surely aware that this pairing comes with some inherent problems. Yes, it has that irresistible ‘Twilight’ appeal to it – and who wouldn’t want their very own Edward Cullen – but dating the undead isn’t all plain sailing and serenading…
1. ‘Garlic breath’ now takes on a whole new meaning. Gorge on bread sticks and stodgy pasta while you can ’cause Italian is now off the menu. For good.
2. Forget romantic sunsets. Any hint of a rose-tinted sky and your new fella is likely to burst into flames, or blind you with his twinkly skin depending on which legend you believe.
3. Kiss goodbye to your tan, because sunny days spent frolicking on the beach are as dead as your pasty-skinned boyfriend. Luckily for us, the WAG look is so over…
4. Learn to get by on a lot less sleep. Your vamp master is nocturnal, so midnight rendezvous’ will become the norm. Cease dead-locking your bedroom window and invest in some under-eye concealer, pronto.
5. Oh – and probably the most vital of all – make sure he’s of the ‘vegetarian’ persuasion. Sure, boyfriends can be draining in any situation but, in this case, especially so.
Dating a Werewolf
If the sculpted, pallid type just doesn’t float your boat, then maybe you’re more of a ‘wolf man’ fan? But bear in mind, they don’t all look like Jacob Black! Abide by our careful rules of werewolf dating, or things could get hairy…
1. Point him towards hair removal cream. Granted, he wont have a full, glossy coat 24/7, but hairy wrists, a back you can braid and sideburns to rival Wolverine are inevitable, and whilst we don’t mind a bit of manly chest hair, no gal wants to date her dog.
2. Learn to love his friends, because they’ll be around. A lot. Weres are far from loners – they roam in packs, so keep the fridge well stocked, the XBox controllers charged and expect a lot of ‘boys’ nights.
3. Kiss goodbye to your silver jewellery. Unless you want to kiss goodbye to your new fella, that is. From now on, tell him it’s strictly gold or platinum (shame). After all, you’re only thinking of him…
4. Like long, romantic walks? Great, but be sure to leave the leash at home – you’ll only upset him – and steer clear of lamp-posts.
5. Brush up on your moon astronomy. Your dating calendar should now reflect lunar activity. Why? No one wants their date to suddenly rush out of dinner (stripping as they go and leaving you with the bill) to find the nearest hillside and howl at that bad moon a’ rising.
And there you have it. Our guide to tackling the tricky terrain of dating an immortal. Good luck and despite the drama, if they’re anything like Edward or Jacob, we cant help but envy you!
Shimmering from the desert haze of Nevada like a latter-day El Dorado, Las Vegas is the most dynamic, spectacular city on earth. In the early twentieth century, there was not even, it is now home to two million people, and has nineteen twenty-five of the world’s largest hotels, including the flamboyant toll Casinos spared lure thirty-seven million tourists each year.
Las Vegas was superlative storage since the 1950s, but never rests on its laurels for a moment. Many visitors for the first time the city waiting to be kitschy, but the casino owners are far too smart to be sentimental. Yes, there are a few Elvis impersonators around, but what characterizes the city far more is its endless quest for novelty.
Long before they lose their luster, the wonders of yesterday are blasted into rubble, to make room for more and more extravagant replacements. A few years ago, when fashion was fantasy, Arthurian castles and pyramids Egyptian multiplied along the legendary band, then came a craze for building replicas of cities whole, like New York, Paris, Monte Carlo, Venice , and the current trend is for high-end goods that seek to straddle the line between ostentation and scream “elegant” sophistication.
While the city has cleaned up its act since the early days of Mob domination, there has certainly not become a family destination. Is not as cheap as it was Vegas. It is still possible to find good, inexpensive rooms, buffets and all-you-care-to-eat offer great value, but the casino owners have finally discovered that high-rollers happy to lose hundreds of dollars a night I do not mind paying higher prices to eat in upscale restaurants, while the latest developments are in charge room rates more like $ 300 to $ 30 per night.
While Las Vegas is a great destination is one that repels most visitors after a few (agitated) days. If you have only to play, there is not much to say beyond the fact that all the casinos are free and open 24 hours a day, with acres of floor space packed with ways to lose the Silver: slots million, video poker, blackjack, craps, roulette, and much, much more.
Independence Day also known as 4th of July is the birthday of the United States of America. It is celebrated on July 4th each year in the United States. It is the anniversary of the day on which the Declaration of Independence was adopted by the Continental Congress – July 4, 1776. The day they announced to the world that the 13 colonies no longer belonged to Great Britain. Independence Day was first observed in Philadelphia on July 8, 1776.
On July 4, 1777, the night sky of Philadelphia lit up with the blaze of bonfires. Candles illuminated the windows of houses and public buildings. Church bells rang out load, and cannons were shot from ships breaking the silence. The city was celebrating the first anniversary of the founding of the United States.
The Fourth of July soon became the main patriotic holiday of the entire country. Veterans of the Revolutionary War made a tradition of gathering on the Fourth to remember their victory. In towns and cities, the American flag flew; shops displayed red, white, and blue decorations; and people marched in parades that were followed by public readings of the Declaration of Independence. In 1941, Congress declared July 4 a federal legal holiday.
Most of us are guilty of some bad habits in our lives. There are too eat the fun stuff, and not exercising enough to burn, and tomorrow, salary expenses today. Of course, able to obtain and maintain a budget can be difficult to follow patterns, but avoiding these five common bad habits can add a bit of easy money to your bottom line.
1. By paying only the minimum balance. Paying just the minimum balance on your credit card each month to keep your creditors happy, but not to help you pay the interest costs more.
Corporate credit card to highlight the love Minimum Payment Due on your monthly bill – a trick they use to stretch your payments for years, costing you hundreds, even thousands of dollars in interest . For example, a $ 5,000 balance with a minimum monthly payment of 4 percent and an APR of 18 percent will take you a little over 11 years to repay, costs about $ 2,875 in total interest paid.
Do not believe? Discover what the credit card calculator to a good start today and see the real cost of paying only the minimum. The results are shocking, and you can rethink your habits minimum payment because it can cost you thousands.