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	<title>Comments on: Reader Mailbag #49</title>
	<atom:link href="http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: Hilary</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-521021</link>
		<dc:creator>Hilary</dc:creator>
		<pubDate>Sun, 15 Feb 2009 22:06:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-521021</guid>
		<description><![CDATA[I have a process question more than a &quot;what is the answer&quot; question. The postage rate is going up in May. The PO sells &quot;Forever Stamps&quot; now which means we can lock in the current rate. What process would you use to decide how many books of forever stamps to buy before May? It&#039;s certain money unless one loses the stamps (fire, flood, inattention, poor storage), but it&#039;s today&#039;s dollars vs. inflated dollars, etc. (We don&#039;t have any debt, but I&#039;d be curious how that would affect the decision as well). Thanks!]]></description>
		<content:encoded><![CDATA[<p>I have a process question more than a &#8220;what is the answer&#8221; question. The postage rate is going up in May. The PO sells &#8220;Forever Stamps&#8221; now which means we can lock in the current rate. What process would you use to decide how many books of forever stamps to buy before May? It&#8217;s certain money unless one loses the stamps (fire, flood, inattention, poor storage), but it&#8217;s today&#8217;s dollars vs. inflated dollars, etc. (We don&#8217;t have any debt, but I&#8217;d be curious how that would affect the decision as well). Thanks!</p>
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		<title>By: Eve</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-519605</link>
		<dc:creator>Eve</dc:creator>
		<pubDate>Sat, 14 Feb 2009 17:17:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-519605</guid>
		<description><![CDATA[I am getting a $1500 bonus in mar 2009.  my question  to you is this what do you think about a wife note telling spouse about this  cause if she does  spouse will come up  with a way to spend it.  I am not telling him cause I want to save it for the future examp.  car probs/ kids needs shoes/ mom needs to go grocery shopping.  I know  I should  tell him  but I have  a secret stash  that I keep and believe me I have saved my family  when the crapper has hit the fan.  what is your opinion on this.  I am the saver/ spouse is  and always will be the spender!!]]></description>
		<content:encoded><![CDATA[<p>I am getting a $1500 bonus in mar 2009.  my question  to you is this what do you think about a wife note telling spouse about this  cause if she does  spouse will come up  with a way to spend it.  I am not telling him cause I want to save it for the future examp.  car probs/ kids needs shoes/ mom needs to go grocery shopping.  I know  I should  tell him  but I have  a secret stash  that I keep and believe me I have saved my family  when the crapper has hit the fan.  what is your opinion on this.  I am the saver/ spouse is  and always will be the spender!!</p>
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		<title>By: Deborah</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-517291</link>
		<dc:creator>Deborah</dc:creator>
		<pubDate>Fri, 13 Feb 2009 02:58:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-517291</guid>
		<description><![CDATA[I love these reader mailbags! I have a question for the next one:

The stimulus package might have some provisions in it for A) interest payments on auto loans, and B) sales tax on purchasing a new car. Will this affect your decision of when to buy a new vehicle if they make it through?]]></description>
		<content:encoded><![CDATA[<p>I love these reader mailbags! I have a question for the next one:</p>
<p>The stimulus package might have some provisions in it for A) interest payments on auto loans, and B) sales tax on purchasing a new car. Will this affect your decision of when to buy a new vehicle if they make it through?</p>
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		<title>By: brooke</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-514385</link>
		<dc:creator>brooke</dc:creator>
		<pubDate>Wed, 11 Feb 2009 00:19:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-514385</guid>
		<description><![CDATA[Milk rocks, enjoy the show!]]></description>
		<content:encoded><![CDATA[<p>Milk rocks, enjoy the show!</p>
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		<title>By: Adam</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-514289</link>
		<dc:creator>Adam</dc:creator>
		<pubDate>Tue, 10 Feb 2009 22:18:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-514289</guid>
		<description><![CDATA[I&#039;ve been on several interviews lately.  I&#039;m currently employed at the same place for 8 years, and at the interviews, the interviewer always asks me why I&#039;m looking to change jobs.  What should I answer with?

I am engaged to a woman who has a child from a previous relationship and she can&#039;t work (is on social security disability due to having fetal alcohol syndrome, she can barely read and write simple words or drive, but other then that you wouldn&#039;t know she has a problem).  Anyway, if we get married, she and her son lose their medicaid, food stamps, and social security disability.  All told, it will be about a $1200 hit to our budget if we get married, and on my current income alone, it wouldn&#039;t be enough to support all 2 of us, which is why I&#039;m looking for something that pays better.

So should I tell the interviewer that I&#039;m looking for a job with better pay to support my family?  If I say that, I feel like i&#039;m telling the interviewer i&#039;d just jump ship at the next opportunity that paid more, so it&#039;s not a good answer.

Another reason I&#039;d like to leave is that I work for state government, and there isn&#039;t much emphasis on technology spending here.  Our budget is small so there&#039;s not much spending for new computers, servers, etc.  Most of the computers here were purchased in 2003 with new building funds when we moved to another building as part of a bond spending package.  

So should I tell the interviewer that I&#039;m looking to leave because my employer doesn&#039;t spend much on IT, and I have initiatives and new projects I&#039;d like to do here, but our financial resources are limited so I can&#039;t do much of what I&#039;d like to improve the work flow of the agency?  I feel like if I say that, then the interviewer would feel like soon after hiring me, I&#039;d want to spend a bunch of money on new equipment, and every company is always looking to save where they can, but the bottom line is you have to spend money on computer technology to improve your infrastructure.

Or, should I tell the interviewer that there is no room for advancement?  Which is true, there&#039;s only about 150 employees here spread across 4 divisions, and each of those divisions has 5 sections or so.  150/4/5 = 7.5 people per section, so each section usually has 1 supervisor who reports to their division head.  So there&#039;s just no room here to become a supervisor.  I still feel that is not the right answer to give the interviewer because they may think that all I care about is becoming a manager, when I just want to work my hardest to improve the company.

Should I tell the interviewer I&#039;m done everything I can to improve the agency&#039;s computing resources and I&#039;m finished here and ready to help another company improve their infrastructure?  I feel this isn&#039;t the right answer because it sounds like I&#039;ll jump ship every few years after I fix a company&#039;s computer problems.]]></description>
		<content:encoded><![CDATA[<p>I&#8217;ve been on several interviews lately.  I&#8217;m currently employed at the same place for 8 years, and at the interviews, the interviewer always asks me why I&#8217;m looking to change jobs.  What should I answer with?</p>
<p>I am engaged to a woman who has a child from a previous relationship and she can&#8217;t work (is on social security disability due to having fetal alcohol syndrome, she can barely read and write simple words or drive, but other then that you wouldn&#8217;t know she has a problem).  Anyway, if we get married, she and her son lose their medicaid, food stamps, and social security disability.  All told, it will be about a $1200 hit to our budget if we get married, and on my current income alone, it wouldn&#8217;t be enough to support all 2 of us, which is why I&#8217;m looking for something that pays better.</p>
<p>So should I tell the interviewer that I&#8217;m looking for a job with better pay to support my family?  If I say that, I feel like i&#8217;m telling the interviewer i&#8217;d just jump ship at the next opportunity that paid more, so it&#8217;s not a good answer.</p>
<p>Another reason I&#8217;d like to leave is that I work for state government, and there isn&#8217;t much emphasis on technology spending here.  Our budget is small so there&#8217;s not much spending for new computers, servers, etc.  Most of the computers here were purchased in 2003 with new building funds when we moved to another building as part of a bond spending package.  </p>
<p>So should I tell the interviewer that I&#8217;m looking to leave because my employer doesn&#8217;t spend much on IT, and I have initiatives and new projects I&#8217;d like to do here, but our financial resources are limited so I can&#8217;t do much of what I&#8217;d like to improve the work flow of the agency?  I feel like if I say that, then the interviewer would feel like soon after hiring me, I&#8217;d want to spend a bunch of money on new equipment, and every company is always looking to save where they can, but the bottom line is you have to spend money on computer technology to improve your infrastructure.</p>
<p>Or, should I tell the interviewer that there is no room for advancement?  Which is true, there&#8217;s only about 150 employees here spread across 4 divisions, and each of those divisions has 5 sections or so.  150/4/5 = 7.5 people per section, so each section usually has 1 supervisor who reports to their division head.  So there&#8217;s just no room here to become a supervisor.  I still feel that is not the right answer to give the interviewer because they may think that all I care about is becoming a manager, when I just want to work my hardest to improve the company.</p>
<p>Should I tell the interviewer I&#8217;m done everything I can to improve the agency&#8217;s computing resources and I&#8217;m finished here and ready to help another company improve their infrastructure?  I feel this isn&#8217;t the right answer because it sounds like I&#8217;ll jump ship every few years after I fix a company&#8217;s computer problems.</p>
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		<title>By: Jimbo</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-514284</link>
		<dc:creator>Jimbo</dc:creator>
		<pubDate>Tue, 10 Feb 2009 22:11:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-514284</guid>
		<description><![CDATA[Jeremy - Unclench.]]></description>
		<content:encoded><![CDATA[<p>Jeremy &#8211; Unclench.</p>
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		<title>By: Sheri</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-514277</link>
		<dc:creator>Sheri</dc:creator>
		<pubDate>Tue, 10 Feb 2009 22:03:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-514277</guid>
		<description><![CDATA[@Jeremy, Do you really HATE those who circumvent the language filter?  Seems like an awfully strong emotion for something like that.  :)]]></description>
		<content:encoded><![CDATA[<p>@Jeremy, Do you really HATE those who circumvent the language filter?  Seems like an awfully strong emotion for something like that.  :)</p>
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		<title>By: hb</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-514178</link>
		<dc:creator>hb</dc:creator>
		<pubDate>Tue, 10 Feb 2009 20:10:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-514178</guid>
		<description><![CDATA[I am considering a Target Retirement fund, but i have a few questions/concerns. I have a Roth IRA: American Century Investments Equity Income. It has recently won some awards for funds that are doing well despite the current economic situation. Do you think i should transfer it into a Target account? Should i wait? Should i just gradually move it to something more conservative as my ret. age approaches (skip the Target fund altogether)? Any help would be appreciated.

In case you need history: I am 33 with no dependents, have zero debt (not even a car payment), a modest but steady income/secure job, 6mths of emergency savings, Thrift Savings Plan through my govt job, another long term non-retirement investment fund.]]></description>
		<content:encoded><![CDATA[<p>I am considering a Target Retirement fund, but i have a few questions/concerns. I have a Roth IRA: American Century Investments Equity Income. It has recently won some awards for funds that are doing well despite the current economic situation. Do you think i should transfer it into a Target account? Should i wait? Should i just gradually move it to something more conservative as my ret. age approaches (skip the Target fund altogether)? Any help would be appreciated.</p>
<p>In case you need history: I am 33 with no dependents, have zero debt (not even a car payment), a modest but steady income/secure job, 6mths of emergency savings, Thrift Savings Plan through my govt job, another long term non-retirement investment fund.</p>
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		<title>By: mellen</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-514119</link>
		<dc:creator>mellen</dc:creator>
		<pubDate>Tue, 10 Feb 2009 18:39:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-514119</guid>
		<description><![CDATA[For Christine: I used to work with a woman who has 4 children and she had a great method for teaching her kids about the value of money. Every quarter she would give them their allowance for the next 3 months and tell them they could spend it however they wanted but they wouldn&#039;t get ANY more money for 3 months. The first time, they all went out and spent like crazy and were out of money in a matter of weeks but when they went to Mom, guess what? no more money. She said they became so conscious of the value of money after that, although they each came up with different methods for handling the cash and had different priorities. Now, this also falls into the category of &quot;you never know where a good idea will come from&quot; because I personally don&#039;t like the woman much, but I do think she was on the right path to teaching her children the value of money and I plan to do that when my child is old enough.

@ Elisabeth: I don&#039;t think people are objecting to conflicting opinions, I think they are commenting on the tone that was used, it was very &#039;snide&#039; (there are other words but I&#039;m not going to use them). I feel, as I&#039;m sure others do, that if you can&#039;t express your opinions in a courteous manner (Trent always does) then you may want to keep them to yourself. None of us want to listen to someone who obviously doesn&#039;t have anything relevant to add to the &#039;conversation&#039;, why should we? I&#039;ll listen to a well reasoned argument I don&#039;t agree with any day over one that doesn&#039;t add to the discussion, even if I agree with it (which in this case I do not). 

I know it&#039;s a Christian sentiment but all other belief systems have a similar one; treat others the way you want to be treated - shouldn&#039;t that apply to online discussions as well? Just because you aren&#039;t looking at the person, doesn&#039;t mean you can be a jerk. 
-M]]></description>
		<content:encoded><![CDATA[<p>For Christine: I used to work with a woman who has 4 children and she had a great method for teaching her kids about the value of money. Every quarter she would give them their allowance for the next 3 months and tell them they could spend it however they wanted but they wouldn&#8217;t get ANY more money for 3 months. The first time, they all went out and spent like crazy and were out of money in a matter of weeks but when they went to Mom, guess what? no more money. She said they became so conscious of the value of money after that, although they each came up with different methods for handling the cash and had different priorities. Now, this also falls into the category of &#8220;you never know where a good idea will come from&#8221; because I personally don&#8217;t like the woman much, but I do think she was on the right path to teaching her children the value of money and I plan to do that when my child is old enough.</p>
<p>@ Elisabeth: I don&#8217;t think people are objecting to conflicting opinions, I think they are commenting on the tone that was used, it was very &#8216;snide&#8217; (there are other words but I&#8217;m not going to use them). I feel, as I&#8217;m sure others do, that if you can&#8217;t express your opinions in a courteous manner (Trent always does) then you may want to keep them to yourself. None of us want to listen to someone who obviously doesn&#8217;t have anything relevant to add to the &#8216;conversation&#8217;, why should we? I&#8217;ll listen to a well reasoned argument I don&#8217;t agree with any day over one that doesn&#8217;t add to the discussion, even if I agree with it (which in this case I do not). </p>
<p>I know it&#8217;s a Christian sentiment but all other belief systems have a similar one; treat others the way you want to be treated &#8211; shouldn&#8217;t that apply to online discussions as well? Just because you aren&#8217;t looking at the person, doesn&#8217;t mean you can be a jerk.<br />
-M</p>
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		<title>By: Johanna</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-514106</link>
		<dc:creator>Johanna</dc:creator>
		<pubDate>Tue, 10 Feb 2009 18:15:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-514106</guid>
		<description><![CDATA[Trent,

I agree with your critics who think it&#039;s poor form to change a post after people have commented on it to remove all evidence of whatever people found objectionable.  But that doesn&#039;t mean you can&#039;t correct your mistakes.  I like how this blog does it:

http://greatergreaterwashington.org/post.cgi?id=1646]]></description>
		<content:encoded><![CDATA[<p>Trent,</p>
<p>I agree with your critics who think it&#8217;s poor form to change a post after people have commented on it to remove all evidence of whatever people found objectionable.  But that doesn&#8217;t mean you can&#8217;t correct your mistakes.  I like how this blog does it:</p>
<p><a href="http://greatergreaterwashington.org/post.cgi?id=1646" rel="nofollow">http://greatergreaterwashington.org/post.cgi?id=1646</a></p>
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		<title>By: AnnJo</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-514095</link>
		<dc:creator>AnnJo</dc:creator>
		<pubDate>Tue, 10 Feb 2009 17:51:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-514095</guid>
		<description><![CDATA[@Ro, I don&#039;t think you&#039;re in the minority on that.  Probably most readers just assume Trent has better sense and more integrity than to post pseudonymously on his own blog and therefore haven&#039;t expressed their opinions.]]></description>
		<content:encoded><![CDATA[<p>@Ro, I don&#8217;t think you&#8217;re in the minority on that.  Probably most readers just assume Trent has better sense and more integrity than to post pseudonymously on his own blog and therefore haven&#8217;t expressed their opinions.</p>
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		<title>By: AnnJo</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-514094</link>
		<dc:creator>AnnJo</dc:creator>
		<pubDate>Tue, 10 Feb 2009 17:50:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-514094</guid>
		<description><![CDATA[@Ro, I don&#039;t think you&#039;re in the minority an that.  Probably most readers just assume Trent has better sense and more integrity than to post pseudonymously on his own blog and therefore haven&#039;t expressed their opinions.]]></description>
		<content:encoded><![CDATA[<p>@Ro, I don&#8217;t think you&#8217;re in the minority an that.  Probably most readers just assume Trent has better sense and more integrity than to post pseudonymously on his own blog and therefore haven&#8217;t expressed their opinions.</p>
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		<title>By: Ro</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-514085</link>
		<dc:creator>Ro</dc:creator>
		<pubDate>Tue, 10 Feb 2009 17:38:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-514085</guid>
		<description><![CDATA[I do miss the days when Trent participated in the discussions, but I do understand the reasons why he doesn&#039;t any longer.  I seem to be in a minority but I don&#039;t want Trent to post under a psuedonym.]]></description>
		<content:encoded><![CDATA[<p>I do miss the days when Trent participated in the discussions, but I do understand the reasons why he doesn&#8217;t any longer.  I seem to be in a minority but I don&#8217;t want Trent to post under a psuedonym.</p>
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		<title>By: Kate</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-513876</link>
		<dc:creator>Kate</dc:creator>
		<pubDate>Tue, 10 Feb 2009 11:19:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-513876</guid>
		<description><![CDATA[I would think it was dishonest if Trent were to post under a psuedonymn.  And while I can understand why he doesn&#039;t like posting anymore I also don&#039;t spend as much time here because of that--I am much more likely to quickly check the top post and only rarely skip down if I missed a post (like I did today).]]></description>
		<content:encoded><![CDATA[<p>I would think it was dishonest if Trent were to post under a psuedonymn.  And while I can understand why he doesn&#8217;t like posting anymore I also don&#8217;t spend as much time here because of that&#8211;I am much more likely to quickly check the top post and only rarely skip down if I missed a post (like I did today).</p>
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		<title>By: Kate</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-513735</link>
		<dc:creator>Kate</dc:creator>
		<pubDate>Tue, 10 Feb 2009 07:00:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-513735</guid>
		<description><![CDATA[I&#039;m glad you made that comment about not getting into the discussions that can spin off from individual articles, and said that THIS comment section was where to ask a question. I have one that I posted before, but now I&#039;ll ask it here in somewhat abbreviated format.

One thing I love about Simple Dollar is that&#039;s it&#039;s more than *just* finance; I find it helping me on general efficiency. But in reviewing THE POWER OF LESS, you said, “Remember, a five minute interruption actually eats much more than five minutes, as you also lose time in refocusing on the big task at hand.”

As a writer, I know this is true. Getting back to the state called &quot;flow&quot; can take some time, and I&#039;m frequently convinced that what I write after an interruption is inferior to what I would have written before.

However, for medical reasons I am unable to sit for too long at one stretch. I have a program loaded on my computer that dings and flashes at me when it’s time to get up and stretch, currently set to twenty minute intervals; a shorter interval is too little, but longer leaves me stiff. While this helps my physical condition, it plays hob with my productivity. Even a break of a few minutes to walk around and stretch seems to break the flow.

I&#039;m sixty, but people decades younger can have similar problems. Any suggestions for getting the flow back, or to keep from losing it? Thanks in advance.]]></description>
		<content:encoded><![CDATA[<p>I&#8217;m glad you made that comment about not getting into the discussions that can spin off from individual articles, and said that THIS comment section was where to ask a question. I have one that I posted before, but now I&#8217;ll ask it here in somewhat abbreviated format.</p>
<p>One thing I love about Simple Dollar is that&#8217;s it&#8217;s more than *just* finance; I find it helping me on general efficiency. But in reviewing THE POWER OF LESS, you said, “Remember, a five minute interruption actually eats much more than five minutes, as you also lose time in refocusing on the big task at hand.”</p>
<p>As a writer, I know this is true. Getting back to the state called &#8220;flow&#8221; can take some time, and I&#8217;m frequently convinced that what I write after an interruption is inferior to what I would have written before.</p>
<p>However, for medical reasons I am unable to sit for too long at one stretch. I have a program loaded on my computer that dings and flashes at me when it’s time to get up and stretch, currently set to twenty minute intervals; a shorter interval is too little, but longer leaves me stiff. While this helps my physical condition, it plays hob with my productivity. Even a break of a few minutes to walk around and stretch seems to break the flow.</p>
<p>I&#8217;m sixty, but people decades younger can have similar problems. Any suggestions for getting the flow back, or to keep from losing it? Thanks in advance.</p>
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		<title>By: JB</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-513712</link>
		<dc:creator>JB</dc:creator>
		<pubDate>Tue, 10 Feb 2009 06:16:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-513712</guid>
		<description><![CDATA[Trent, 

I&#039;ve been reading your blog for quite some time. Love the blog, but definitely miss the days where you would comment and add to the discussion.]]></description>
		<content:encoded><![CDATA[<p>Trent, </p>
<p>I&#8217;ve been reading your blog for quite some time. Love the blog, but definitely miss the days where you would comment and add to the discussion.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: riders</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-513671</link>
		<dc:creator>riders</dc:creator>
		<pubDate>Tue, 10 Feb 2009 04:56:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-513671</guid>
		<description><![CDATA[Its difficult to used for this way but everybody try to find success in some day.]]></description>
		<content:encoded><![CDATA[<p>Its difficult to used for this way but everybody try to find success in some day.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Frugal Bachelor</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-513669</link>
		<dc:creator>Frugal Bachelor</dc:creator>
		<pubDate>Tue, 10 Feb 2009 04:51:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-513669</guid>
		<description><![CDATA[&quot;If I attempt to offer an alternate explanation for something I said in the post, I’m seen as being defensive. If I admit to being wrong and offer to change the post, I’m said to be spineless and caving and attempting to cover the tracks of my “flaws.”&quot;

And you care what people think because ... ??]]></description>
		<content:encoded><![CDATA[<p>&#8220;If I attempt to offer an alternate explanation for something I said in the post, I’m seen as being defensive. If I admit to being wrong and offer to change the post, I’m said to be spineless and caving and attempting to cover the tracks of my “flaws.”&#8221;</p>
<p>And you care what people think because &#8230; ??</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Kelly</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-513645</link>
		<dc:creator>Kelly</dc:creator>
		<pubDate>Tue, 10 Feb 2009 03:50:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-513645</guid>
		<description><![CDATA[About working with Lawyers on the cheap:

I&#039;ve gotten free and very cheap help from lawyers in 2 different states about 2 different matters recently.  We just moved to a new state, and with two different residences the laws are different in each state.  Look at your state&#039;s local bar association website and keep searching it until you find a link for free or discounted services.

I paid $50 for a half hour consultation in WA and $0! for a 1/2 hour consultation in IA.  Other states probably have similar services (or at least recommendations for lawyers in the area for which you need advice).

As previously mentioned, be prepared well in advance of your meeting.  Have all your documents with you, bring a list of all your questions and bring a pen and paper to write down their answers so you can refer to it later.  Email all your documents and questions ahead of time to the lawyer if possible, so they will be prepared to help you.  

@Gayle comment #24: whether to do a deed in lou, or just do a foreclosure might only be the choice of the mortgage companie(s)??  Deed in Lou is supposed to be slightly better.  Keep in mind there is a difference between the deed to the house and the money owed on the loan, and an action taken to handle one does not assume the other is also taken care of.  Your lawyer should be able to give you details.  A better choice for protecting their credit would be to sell the house (if possible) even a *short sale* (where the house is sold for less than what is owed on the loan) is better for your credit (and maybe their emotional well being?).  Make sure to use a realtor who has EXPERIENCE with short sales (ditto with the lawyer).  Good luck!!]]></description>
		<content:encoded><![CDATA[<p>About working with Lawyers on the cheap:</p>
<p>I&#8217;ve gotten free and very cheap help from lawyers in 2 different states about 2 different matters recently.  We just moved to a new state, and with two different residences the laws are different in each state.  Look at your state&#8217;s local bar association website and keep searching it until you find a link for free or discounted services.</p>
<p>I paid $50 for a half hour consultation in WA and $0! for a 1/2 hour consultation in IA.  Other states probably have similar services (or at least recommendations for lawyers in the area for which you need advice).</p>
<p>As previously mentioned, be prepared well in advance of your meeting.  Have all your documents with you, bring a list of all your questions and bring a pen and paper to write down their answers so you can refer to it later.  Email all your documents and questions ahead of time to the lawyer if possible, so they will be prepared to help you.  </p>
<p>@Gayle comment #24: whether to do a deed in lou, or just do a foreclosure might only be the choice of the mortgage companie(s)??  Deed in Lou is supposed to be slightly better.  Keep in mind there is a difference between the deed to the house and the money owed on the loan, and an action taken to handle one does not assume the other is also taken care of.  Your lawyer should be able to give you details.  A better choice for protecting their credit would be to sell the house (if possible) even a *short sale* (where the house is sold for less than what is owed on the loan) is better for your credit (and maybe their emotional well being?).  Make sure to use a realtor who has EXPERIENCE with short sales (ditto with the lawyer).  Good luck!!</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Chris</title>
		<link>http://www.thesimpledollar.com/2009/02/09/reader-mailbag-49/#comment-513626</link>
		<dc:creator>Chris</dc:creator>
		<pubDate>Tue, 10 Feb 2009 03:12:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=3128#comment-513626</guid>
		<description><![CDATA[What do you do when your best is not good enough?]]></description>
		<content:encoded><![CDATA[<p>What do you do when your best is not good enough?</p>
]]></content:encoded>
	</item>
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