On "Shortsighted, Cheap, and Unethical: Cash Only."

My dad told me small businesses prefer cash to avoid taxes and he worked for the IRS at the time. And he always pays cash.

Posted on October 16, 2014 at 3:48 pm 0

On Who's Taking Care of Your Baby?

@Renleigh As my siblings and I were forgotten at least once by our parents, and as my sister was a juror for a case where the mom left her baby in the car, I don't think it's necessarily offensive. It's also nice that people notice and care. Community - it's busy-bodying but it can be nice to not always be anonymous.

Posted on October 6, 2014 at 5:32 pm 0

On 'Submissive Students Do Not Make Good Computer Scientists'

I think the main problem with the article is this: "the ones who supposedly need such strict discipline, are poor students of color, while the students taught by good public and private schools where these methods aren’t used are white and well-off." The discipline described in the charter schools was similar to what I had growing up in a middle class school. The charter school kids are given stricter discipline, not because of their race, but because they are learning the basics. More advanced kids are given the ability to engage in more creative endeavors but it's hard to be creative without being able to read. Of course her methods with college students are different from remedial elementary school students. (I've tutored at a charter school and I thought the discipline was necessary - also because it may help some with tumultuous schedules at home).

Posted on October 2, 2014 at 12:46 pm 0

On Aspiring To Be An Effortlessly Cool Woman With $400 Shoes

I really considered replacing all my broken flats with new expensive designer flats but what's the point? They're all made in China (if not outsourced somewhere cheaper) and they'll all wear out in 2 years (hopefully not sooner). I'm more of a purpose-driven cool woman with $50 shoes.

Posted on September 16, 2014 at 1:40 pm 1

On The Cost of Breaking Up and Moving Out

@Anon Writer this list is seriously one of the best comments of all time. thank you and sorry to hear about your breakup. =(

Posted on August 7, 2014 at 12:32 pm 0

On Please Leave Work Early

"Do you know when I thought I’d find some use in anything former Supreme Court Chief Justice William Rehnquist ever said or wrote? Never." This statement seems overly hostile directed at someone who was, as a gross understatement, an influential figure in the field in which the author works and also, probably not a bad person. I really like the Billfold but the random snide comments against conservatives irk me. Just because one person believes X, that doesn't mean they have no useful information to impart.

Posted on August 1, 2014 at 3:36 pm 1

On Let’s Throw Some Money at Our Problems: July 2014 Check-in

@DebtOrAlive It's not really very impressive. I make enough money so that I could pay off all my debt while living frugally - not monastically- though I did start to get a little crazy near the end about how I could shave off a few months from repayment. I think the main things were I put "paying off my debt ASAP" as a main life goal, I was lucky (that my very old car and computer didn't die and that my emergency hospital bill was not bad) and because i was exceptionally frugal during school, I knew that I wouldn't have to live like this for years on end.

Posted on August 1, 2014 at 2:42 pm 0

On Let’s Throw Some Money at Our Problems: July 2014 Check-in

I can't believe I missed this! I've been looking forward to this day for a year and a half. Student Loan Debt December 2012: $88754 July 2014: $0 Credit Card Debt December 2012: ~$20,000 July 2014: $0 (although I actually paid this off last year) I finally get my congratulatory note!!

Posted on August 1, 2014 at 11:39 am 2

On Our Attempt at a $20-a-Day Budget

Why don't you hire someone - like a lawyer - to contest the tax bill for you? If you do it based on contingency, even if they take a third, you are getting $4000 for very little effort. It doesn't make financial sense to spend a lot of effort to save a few dollars here and there when you could make thousands of dollars with very little effort. I understand that you want to rein in your spending -$20/day for non-bills seems high to me and I don't even consider myself to be living in deprivation mode - but as someone pointed out earlier, there's no reason you couldn't do both.

Posted on July 31, 2014 at 4:40 pm 0

On Living in Poverty, When "Poverty" is a Place

"We found that, as inequality rises, American cities and towns have been spending more on the poor and the middle class, funded by higher taxes on these groups. Because most cities don’t have the power to tax income, they usually use property and sales taxes, which tend to hit all residents or fall more heavily on those who are middle class or lower income." That seems to say that income inequality is rising because taxes on the middle class and poor are increasing.

Posted on July 15, 2014 at 10:10 am 0