Laura, you remind me that I'm supposed to be going to a yoga class at noon (beginners as well). No time today, though. Oh, well. I'll go eventually. Really.

day two of wakeing up early. bah. and why? because of the interview ihad on wednesday. same number of hours - Pay could go a little more or a little less- potential is greater. 3 days a week and the possility of doing more than I do now. i could , however - work all around the holidays - bleh. However, no one has offer me the job- so why am I choseing to worry about it NOW? just because it is 5am ( yep , I tossed and turned for an hour)

Things that suck:

• Waking up at 5:45AM on a Saturday all stressy.
• On said morning, receiving a heated email exchange between your mom and brother/SiL with a request to "read this and then call me" from your mom.

I wanna go back to bed now.

go back to bed. - not your job to mediate

or you could just pretend it was Spam - no one would be that rude. and we all know where spam comes from ...

[link]

GC, that does suck. I second the going back to bed and ignoring them plan.

The way it works is they set up a page, kinda like the ones for people doing charity walks and stuff, where people can donate money to fund the trip

Hill, what's the address to that page? There are people other than your relatives who think you're doing a good thing.

The one bad thing about student loan debt is that it's about the only debt you can't get out of short of death. Except in very unusual circumstances, you still owe student loans even after you've declared bankruptcy. If it goes to collection, the government can take it out of your tax refunds or garnish your wages, which isn't as festive as it sounds.

RE: 401K choices. Go index funds. Choose index funds.

GC, I hope you went back to bed. a 45 minute nap helped me quite a lot. Dh is puzzled because i am chipper.

I'm at work and battling the ick.

I think Hec sent it to me.

I think Hec sent it to me.

I was all done with it.

I don't think you should be at work on a Saturday, though. You should be watching He Man and She Ra and eating Count Chocula and wearing flannel pajamas.

Btw, I don't know if anybody else noticed in the grocery store but they've reissued all the original Monster cereals for Halloween. So Count Chocula, Frankenberry, Booberry and some other one which I forget.

The Dilbert guide to personal finance, courtesy of Vanguard:

Everything you need to know about financial planning*: Make a will. Pay off your credit cards. Get term life insurance if you have a family to support. Fund your 401(k) to the maximum. Fund your IRA to the maximum. Buy a house if you want to live in a house and you can afford it. Put six months’ expenses in a money market fund. Take whatever money is left over and invest 70% in a stock index fund and 30% in a bond fund through any discount broker and never touch it until retirement. If any of this confuses you, or you have something special going on (retirement, college planning, tax issues) hire a fee-based financial planner, not one who charges a percentage of your portfolio.

• From

Note that saving the maximum to a 401(k) and IRA each year would require significant disposable income so it's not always feasible.