Archives for November 2011

Your Questions About Cigarette Trousers For Women

Jenny asks…

I think I came into contact with two time travelers/ghosts today what do you think?

This afternoon before I caught my train home I was sitting on the side of a fountain outside of my train station, just smoking a cigarette. I saw an oddly paired couple walking down the street, not like a gf/bf couple, but just friends. The man was African American and looked about 70. He was wearing a brown tweed coat, brown trousers, a cheese cutter hat, and wayfarer reading glasses. The interesting thing was, all of the clothes definitely looked like they had come from the era of the first time they were fashionable (not twenty eleven hipster). He seemed quite skeptical of the world around him. The women he was with looked 25-30 and was very tall. She was wearing a white jumpsuit (like an actual tight space one) and had very short (but not trendy) almost white blonde hair. She was very confident and there was something extremely ether about her. The whole time they were walking down the street she was looking directly at only me and maintaining eye contact and he was just looking around at everything. I was thinking wtf so kind of looked away and thought if I avoided her they wouldn’t come towards me. However she still did and asked me “Do you have any coins for me so that I can catch the bus”. She had a very knowing look on her face, and no distinguishable accent whatsoever. I was a bit taken aback and said “No sorry I forgot my eftpos card today” while nervously laughing. I then added “Oh and my coins” but she just chuckled as they walked straight off. Okay so your probably thinking… yeah and ??right now but the weird thing was: They only approached me. They only looked at me as if I was the only one they could see or the only one that could see them. And no one around payed them any attention as if they weren’t there or even looked at them at all considering how out there they were dressed. And it was almost as if she didn’t really need the money, they just approached me to see if I actually could see/hear her.
Don’t call me crazy, and I am not on crack, but I am a piscess and very intuitive/ strong connections with paranormal world. I almost feel as if these two people were time travelers or ghosts. What do you think.

richmama answers:

Anything is possible. I have heard of “time slips” in which a person can see another from another when or “dimension”. Read up on it. Documentation is available that involved mysteries of the Bermuda Triangle springs to mind. Keep an open mind, and don’t do drugs!

Susan asks…

These are the characteristics of someone I am dating, shuold I run for my life?

1-Whenever we are at a restaurant , he makes sthng to attract attention. He is charming about it but he is always making scenes in a humorous sense.
2-He reacts to criticism or expression of discomfort in an aggressive and wild attitude. When asked why every time we fight he does this he says it is to provoke you to break the silence.
3-He wears only expensive brands, drives a jaguar, spends money extravagantly.
4-He complains a lot about his health.
5-He wants ppl to accommodate him , come to meet him next to his house etc.
6-He is always super busy
7-He hates it when someone complains of his attitude and demands from him some presence.
8-He had a very active sexual life with anti social values until two or three years ago. Going out with ill reputed ladies and having affairs with married women, now afraid that it will all be brought back on him.
9-He cares so much about his appearance and mine (physical)
10-Is very superficial regarding his emotions , he talked a lot about how he loved me first two weeks , but now is always too busy to send even one sms.
11-When talking about past relationship he is always brief and never gives details unless it is of sexual nature, but his engagement and marriage is a big dark secret and the reasons he is giving for the divorce and breakup are totally wired.
12-He is always making manly gestures , opening the door, lighting my cigarette , buying stocks of them , spending on outing and presents a lot… he told me about his 20,000 USD salary after almost 10 days of knowing him
13-He is claiming to know influential ppl at my organization yet refusing to tell me their names and stating that he harmed someone who harmed me and yet refusing to say how or giving any details (fishy!!)
14-He loves dirty jokes and superficial talks with no substance, he gets suffocated by deep conversations and overly down.
15-In a period of 3 months , he had so many complaints about his health (high blood pressure, allergy attack, maree2 inflammation, food poisoning, low oxygen level and high hemoglobin)
16-Making comments about my physical appearance , why not try shorter hair, I love tight ¾ trousers and describes sandals that match, he evn described length of nails and type of nail paint that he likes .. etc
he makes the 20,000 USD a month, his car is provided by his company as well as his house.. he doesn’t have him in his name
guys , no I need someone to tell me , cause he is charming , fun, good looking and rich! I need someone to tell me this is no good and why!

richmama answers:

The fact that you are asking this question is pretty telling. . . It definitely isn’t a good sign. It isn’t good that he can’t take criticism well- of course no one likes to be criticized but it is important for people to be able to listen to the feedback that other people give them and it sounds like he just reacts defensively. It also isn’t a good sign that he is so evasive about his past and his personal life. He doesn’t need to tell you everything, but in my experience these are signs of people who have trust issues and who are hiding something. He sounds like he demands a lot from you, but isn’t giving you back a lot in terms of trust and honesty. He may spend money but that won’t make up for the emotional toll he could take.
Overall, it is easy to judge someone from outside the relationship but in my opinion this guy has way too many issues and you are going to end up hurt, and it seems like a part of you already knows that.

Betty asks…

I think I talked to two time travelers/ghosts in town today. What do you think?

This afternoon before I caught my train home I was sitting on the side of a fountain outside of my train station, just smoking a cigarette. I saw an oddly paired couple walking down the street, not like a gf/bf couple, but just friends. The man was African American and looked about 70. He was wearing a brown tweed coat, brown trousers, a cheese cutter hat, and wayfarer reading glasses. The interesting thing was, all of the clothes definitely looked like they had come from the era of the first time they were fashionable (not twenty eleven hipster). He seemed quite skeptical of the world around him. The women he was with looked 25-30 and was very tall. She was wearing a white jumpsuit (like an actual tight space one) and had very short (but not trendy) almost white blonde hair. She was very confident and there was something extremely ether about her. The whole time they were walking down the street she was looking directly at only me and maintaining eye contact and he was just looking around at everything. I was thinking wtf so kind of looked away and thought if I avoided her they wouldn’t come towards me. However she still did and asked me “Do you have any coins for me so that I can catch the bus”. She had a very knowing look on her face, and no distinguishable accent whatsoever. I was a bit taken aback and said “No sorry I forgot my eftpos card today” while nervously laughing. I then added “Oh and my coins” but she just chuckled as they walked straight off. Okay so your probably thinking… yeah and ??right now but the weird thing was: They only approached me. They only looked at me as if I was the only one they could see or the only one that could see them. And no one around payed them any attention as if they weren’t there or even looked at them at all considering how out there they were dressed. And it was almost as if she didn’t really need the money, they just approached me to see if I actually could see/hear her.
Don’t call me crazy, and I am not on crack, but I am a piscess and very intuitive/ strong connections with paranormal world. I almost feel as if these two people were time travelers or ghosts. What do you think.

richmama answers:

Did you get their numbers?

Robert asks…

Is breaking Islamic dress code laws more haram than smoking?

Clearly smoking is bad for you (an intoxicant like alcohol) therefore haram (forbidden) by the Koran.

Fact: cigarettes are freely on sale in Saudi Arabia and men puff away happily wherever you go.

Is it something to do with the fact that mainly men smoke and any attempt to ban cigarettes would be met with fierce opposition.

Yet any attempt to relax the laws on women‘s clothing is also met with fierce opposition and often offending women are severely punished (cf recent Sudan trousers arrests).

So which is more haram: smoking or the sight of hair?

Now Muslims: tell us how you expect to be taken seriously when these kinds of inequalities are plain for everyone to see?

richmama answers:

I don’t think smoking *is* haram. It’s not mentioned in the Qur’an and as an intoxicant it’s on a par with caffeine, which is widely used in many Muslim cultures.

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Your Questions About Pay Off Credit Card Debt Fast

Ruth asks…

What is the fastest way to pay off credit card debt?

richmama answers:

Try cutting expenses.
This is easier than you might think.
If you eat out everyday, try eating out 2 a week and taking your lunch on the other days.
Do you really need 300 cable channels?
If not cut your cable lineup alittle
Can you switch to a NO interest credit card (I just got one from bank of america 1800 732 9194 and they gave me a no interest free transfer)
Can you have a garage sale or sell a few things that you dont use anymore on ebay.
$100 a month (which is not unrealistic) would put a HUGE dent in your credit cards if you were able to apply that on top of what you are already paying.

The most important thing is YOUR DESIRE!
Since you have that, the rest is EASY and you can do it~
GOOD LUCK~

Jenny asks…

what will pay off a credit card faster? $50 a month on 9% or $100 a month on 23%?

i have just successfully paid off a credit card! (yay for me!) but i have more to go all ranging in interest from 1.9% to 24% the one i just paid off was 24% with a small balance. now here’s my question. i paid $50 a month on that card like clockwork every month even though my payment was only supposed to be $15. i’m now used to spening $50 a month on this bill. i have another card offer for a fixed rate of 8.99 %. should i get this card and transfer a small amount from one of my high interest cards (like $300 at a time) and pay $50 a month on that to pay off each transfer in about 6-7 months and keep repeating it till done with my goal(i won’t use this card for anything else). or should i just take that $50 and add it to another existing card to make that payment $50 higher? i would still continue to pay all my other cards on schedule (and i always pay a little extra on each one as best as i can) i have approx $22K in credit debt on various cards thanks to my ex-hubby. i make 30K/yr!

richmama answers:

Myself, I like to get rid of the smaller-debt cards first, because it makes me feel like I am getting somewhere with my debt. It also allows me to snowball the payments to the next card. So if I had three cards at $300, $600 and $900, I would go in that order for paying them off, regardless of the interest rate. I would continue making payments to the larger balances (minimum payment), then I would take the extra payment from the card before and apply it to the payment going to the larger one. This is what works for me. Because if I were to try and tackle the $900 one first I may fall off track. So getting some “quick wins” works for me.

Donna asks…

What is the fastest way to pay off credit card debts other than consolidating them?

I have heard that paying the highest interest rate card off first is the best way, but I have also heard that paying the lowest amount off first is the best way. I’m open for suggestions , thanks.

richmama answers:

Start with the highest interest rate card or the card with the lowest balance–whichever you prefer. Only pay the minimum on the rest of the cards. Any extra cashflow should go to paying off the chosen card. Once it’s paid-off, snowball the money that was going to that card to the next card you choose to pay off…and so on, and so on. By choosing the highest interest rate card first, you obviously are eliminating the most wasted money being spent on interest; however, sometimes it’s a smarter move to start with the smallest balance so you feel as though you’re accomplishing something and don’t become discouraged. On that same note, it is important not to put every extra penny onto paying off the cards. You MUST leave yourself a little “fun” money or you WILL become discouraged and throw in the towel. Good luck! You can do it! It’s worth it!!!

Mandy asks…

Is it better to pay off revolving debt at a low rate or installment debt at a higher rate?

Let’s say you have a student loan at 8 percent and credit card debt at a fixed 3.99 percent. Conventional Wisdom says pay off the higher rate debt first. But, I have read that paying off credit card debt faster improves your credit score, which can save you thousands on a mortgage. So is it better to pay off the lower rate credit card debt and improve the credit score, or the higher rate debt and save the immediate money on interest.

richmama answers:

I’d say if you were buried, then ya, pay off a smaller one first just to get momentum going. However, your openess to approaching this situation and manner about doing so indicates that you might not need that added “ego” boost.

That said, most people would say (and as you say, conventional wisdom too), pay off your highest rate debt first and work your way down. At 3%, you could put that money in cds, etc, and earn 5%. Keep the 3% debt unless you have excess cash. Pay the 8% stuff off first. Once complete, that’ll allow you to get more debt at favorable rates as well.

Check out Suze Orman’s site for a few tidbits,

http://www.suzeorman.com/igsbase/igstemplate.cfm?SRC=MD012&SRCN=aoedetails&GnavID=84&SnavID=20&TnavID=&AreasofExpertiseID=5

But it really sounds like you’re ready for millionairemind! That will most likely change your life! It’s a program by T. Harv Eker, author of Secrets of the Millionaire Mind.

Go to millionairemind.com for more info.

It’s pretty amazing.

Hope that helps!

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Your Questions About How To Pay Off Debt Fast

Betty asks…

Pay off high interest or lowest balance first?

I’ve heard a lot of conflicting information regarding paying off credit card debt. Is is easiest to get credit card debt paid off faster by paying off your highest interest credit cards first, or your lowest balances first?

Curious to know if anyone has tried either of these methods and how it worked for you?

richmama answers:

I would agree with the first answerer when he says that mathematically, it makes sense to pay of the highest interest first. However, math doesn’t always work. Getting out of debt is more about psychology and behavior rather than math. Paying off smaller accounts first creates mental momentum. Getting a quick success makes you hungry for more. Plus it frees up monthly money which you can roll over onto bigger accounts.

Mark asks…

What is the best way to pay off our debt?

My husband and I just filed our taxes. We are going use part of the refund to pay for car repairs and catch up on rent.

We haven’t decided how to spend the rest. We don’t know if we should…
a) catch up on all of our monthly bills
b) pay off all three high interest credit cards
or c) pay off half of our medical bills that are in collection agencies (We will only get enough to cover half)

Which option is the best? We want to pay off our debt in the fastest, most efficient way.

richmama answers:

Catch up on your rent first. It wouldn’t matter much about the other debts if you are homeless.If there is a chance your car will be undriveable pay to have it repaired or buy a used car. If you mean utilities etc. By catching up on monthly bills that should be your second priority. Again you need lights and water right now. If you still have the money pay off all your credit cards or at least down to 35% of the credit limit..that looks best on your credit card. Do not to continue to use them or you’ll be right back where you started. Having credit cards maxed out, the bill is up to the credit limit, will go against your credit.

Mandy asks…

How do you pay off an old debt once they have done bankrupt?

I am needing to pay off an old ambulance bill for like a 100 dollars, but they went bankrupt two years ago and no longer exists. I can not find any information about their debt collecting agency from the hospital I was brought to or anything. How can I get this off my credit fast?

I am trying to get into the airforce, thats why I need it off fast, by the way.
I ment to type gone bankrupt, not done.

richmama answers:

You need to dispute the debt with all 3 credit bureaus. You can go online to equifax, transunion & experian to do this. It does take awhile though 30-45 days. The credit bureau will try to contact the creditor to verify debt owed. If they can’t they are required by law to delete the account from your credit. Good luck!

Chris asks…

How to pay off credit cards enrolled in a debt management program?

I have been in a debt management program with a local credit counseling service for about 8 months. My parents have offered to co-sign a loan so I can pay off the cards. The loan with the bank is a lower interest rate than the cards and will pay them off faster with a lower payment each month. Should I pay the cards directly or go through the credit counseling service? Which is better for my credit score?

richmama answers:

The Credit Counseling company will probably get you a better price in the long run because they will negotiate a lower rate than you can. But, you are being charged a very large amount of compounded interest on every dollar that you owe them for every Month that the amount is owed. Let Mom and Dad help IF the interest rate and terms are better than you are currently paying the credit card companies. And, if you can afford to pay all of your bills iccluding that payment. Remember that the credit counselor is making money on you, they will not always counsel you to your advantage.

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Your Questions About Tacky Christmas Sweater

Thomas asks…

Where can I buy a tacky Christmas sweater?

I have a tacky sweater Christmas party this Saturday.. and does anyone know where I can buy one?

richmama answers:

Second hand store? You might find a terrible 80s one 🙂

Betty asks…

How to look sexy at a tacky christmas sweater party?

I’m going to a tacky christmas sweater party tonight….and I want to follow the theme. However, I also want to look sexy because its a college football party. I’m a 21yr old girl by the way.

Any suggestions?

richmama answers:

I like the white sweater, skinny jeans, and boots look my self. Maybe curl your hair, and play up the make up.

Sharon asks…

What’s the best way to make a super tacky Christmas sweater?

We are somewhat snowed in…my job is closed today…so I’m at home bored to tears. My husband wants me to make him a super tacky sweater to wear to work tomorrow for a contest.

What should I get at Joann’s fabrics?
Laurie…those ones on ebay are perfectly tacky! 🙂 I wish I had time to just order one!

richmama answers:

If only he gave you some more notice…Ebay has super ugly Christmas sweaters…they are actually called “ugly Christmas sweaters”. I would say take a look at some of them and see if you can copy one of them. Take a look at these:

http://shop.ebay.com/?_from=R40&_trksid=m38.l1311&_nkw=mens+ugly+christmas+sweater&_sacat=See-All-Categories

~ See Jen, the TD fairy doesn’t just follow you around…it doesn’t like me either 🙁

Mary asks…

Do you think Marshall’s would have a tacky christmas sweater?

I need a tacky christmas sweater or vest, very last minute, so I can’t order one off line. Do you think Marshalls would have them? what other stores might carry them? please help.
I already checked walmart and sears. thanks for those suggestions tho.
I went to all the stores mentioned so far as wella s several others and no one has them this year. Kohls had some holiday sweaters but no crazy tacky ones. Thanks for the help anyway!

richmama answers:

Tacky Christmas Sweater abound EVERYWHERE… Try Marshalls, TJ Maxx, Walmart, Kmart and on and on. Or break out your bedazzler and make your own! 😉

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