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	<title>Janice Manilow Mellows Out &#187; Money and Finances</title>
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	<link>http://janicemanilow.com</link>
	<description>Kickin&#039; back</description>
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		<title>Life gets complicated</title>
		<link>http://janicemanilow.com/2012/04/life-gets-complicated/</link>
		<comments>http://janicemanilow.com/2012/04/life-gets-complicated/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 20:10:47 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Business or work]]></category>
		<category><![CDATA[Friends or Family]]></category>
		<category><![CDATA[General Life]]></category>
		<category><![CDATA[Money and Finances]]></category>
		<category><![CDATA[life]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=1466</guid>
		<description><![CDATA[One of the things that I had hoped to never need in my life was a lawyer other than in writing a will when I got married. Optimistic and starry eyed, life was supposed to be perfect, especially once the hippie generation of peace and love started to run the country. At the tender aged [...]]]></description>
			<content:encoded><![CDATA[<p>One of the things that I had hoped to never need in my life was a <a href="http://stewartesten.ca/" title="lawyer" target="_blank">lawyer</a> other than in writing a will when I got married. Optimistic and starry eyed, life was supposed to be perfect, especially once the hippie generation of peace and love started to run the country. At the tender aged of eighteen, I KNEW that I had all of the answers, there was no reason for people to NOT &#8220;get along.&#8221;</p>
<p>But then, LIFE happened. And before I knew it I had two different personal injury <a href="http://stewartesten.ca/" title="lawyers" target="_blank">lawyers</a>, a worker&#8217;s compensation lawyer, a divorce lawyer, a family law lawyer, AND a business lawyer. Not to mention the time that I had to hire a lawyer to help my son get the charges reduced on a speeding ticket. </p>
<p>Many a time I&#8217;ve wished that I had a lawyer in the family that I could consult for little free legal consultations. They last time I spoke with a lawyer about a retainer for business law he told me that he charges $300 an hour! They sure make good money! And I sure wish I did not need any of them!</p>
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		<title>Oil change</title>
		<link>http://janicemanilow.com/2012/04/oil-change/</link>
		<comments>http://janicemanilow.com/2012/04/oil-change/#comments</comments>
		<pubDate>Sun, 22 Apr 2012 19:58:44 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Friends or Family]]></category>
		<category><![CDATA[General Life]]></category>
		<category><![CDATA[Money and Finances]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[car]]></category>
		<category><![CDATA[shopping]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=1462</guid>
		<description><![CDATA[Every now and then I will get a job as a mystery shopper to have my car&#8217;s oil changed at Jiffy Lube. What I like about this mystery shopping job is that basically I get my oil changed for free. You might not think that is a big deal, but it does cost about $35 [...]]]></description>
			<content:encoded><![CDATA[<p>Every now and then I will get a job as a mystery shopper to have my car&#8217;s oil changed at Jiffy Lube. What I like about this mystery shopping job is that basically I get my oil changed for free. You might not think that is a big deal, but it does cost about $35 or so to have the oil changed, and if I have to get the oil changed anyway, why not go ahead and have it done for free? What I find interesting about the procedure is that the service advisor is always suggesting that I have other things done while I am there. And sometimes those other things that they are suggesting that need to be done cost an arm and a leg.</p>
<p>So I politely decline the offer to do the other work &#8220;while they are working on it anyway&#8221; and simply have the oil change done. Then I&#8217;ll come home and tell my hubby about their suggestions and he will either check it out and do the work himself, or he will snort and tell me that he had done the work a month or so ago and that there is no need for that to be done.</p>
<p>Regardless, at least the oil change was done and a few weeks after the oil change is performed I get reimbursed through PayPal. And that is a good thing.</p>
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		<title>Lights</title>
		<link>http://janicemanilow.com/2012/03/lights/</link>
		<comments>http://janicemanilow.com/2012/03/lights/#comments</comments>
		<pubDate>Tue, 27 Mar 2012 13:31:18 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Environment and green]]></category>
		<category><![CDATA[Friends or Family]]></category>
		<category><![CDATA[General Life]]></category>
		<category><![CDATA[Money and Finances]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[energy]]></category>
		<category><![CDATA[lights]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=1430</guid>
		<description><![CDATA[Yesterday my hubby and I were grocery shopping and noticed that every few minutes the lights in the store were changing in the brightness level. The lights would go low for a few minutes, and then a few minutes later they would go bright again. My hubby was very surprised by that and thought that [...]]]></description>
			<content:encoded><![CDATA[<p>Yesterday my hubby and I were grocery shopping and noticed that every few minutes the lights in the store were changing in the brightness level. The lights would go low for a few minutes, and then a few minutes later they would go bright again. My hubby was very surprised by that and thought that there might be something wrong and maybe we should evacuate the building. In a way I thought that was funny, but I could see his point. This particular store has been doing this for a few months now, and I just assumed that it was some type of arrangement that the company had made with the electric company to conserve energy and reduce the electric bills.</p>
<p>No one told me for a fact that was the actual case, but I figured that since the electric company has sent out notices to us as homeowners different invitations to participate in differing energy savings programs that included things like that, I felt that was a reasonable guess to make. Of course my hubby was skeptical, but that&#8217;s normal for him. I told him if he was worried that he could go sit in the car and wait for me, or for the fire trucks, whichever happened first. As long as no fire alarms were going off, or announcements being made over the loudspeaker I was content to just keep shopping.</p>
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		<title>Perfect Score Mortgages At Low Low Rates Today</title>
		<link>http://janicemanilow.com/2012/02/perfect-score-mortgages-at-low-low-rates-today/</link>
		<comments>http://janicemanilow.com/2012/02/perfect-score-mortgages-at-low-low-rates-today/#comments</comments>
		<pubDate>Sun, 26 Feb 2012 02:39:28 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Business or work]]></category>
		<category><![CDATA[House and Garden]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[Money and Finances]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Technology and gadgets]]></category>
		<category><![CDATA[credit scores]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[mortgage]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=1407</guid>
		<description><![CDATA[Seeing the low rate of 3.95% being offered for people with excellent credit scores for their mortgages is the lowest number I&#8217;ve ever seen or heard of. With the market still in deep do do the good folks with excellent credit scores can really scoop up some sweet deals on houses and properties all across [...]]]></description>
			<content:encoded><![CDATA[<p>Seeing the low rate of 3.95% being offered for people with excellent credit scores for their mortgages is the lowest number I&#8217;ve ever seen or heard of. With the market still in deep do do the good folks with excellent credit scores can really scoop up some sweet deals on houses and properties all across the country.</p>
<p>The Internet has become a very valuable tool to help people find the best mortgage rates as most of us know by now. The process of applying for a mortgage is a long and tricky one, I wish that I had had access to the Internet when I was shopping around, I would have known a lot more, knowledge is power and power = money and when it comes to a mortgage, no matter how low the interest rate, is a lot of money even if you have perfect credit scores to your advantage.</p>
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		<title>Wish they had something like this in the USA</title>
		<link>http://janicemanilow.com/2012/01/wish-they-had-something-like-this-in-the-usa/</link>
		<comments>http://janicemanilow.com/2012/01/wish-they-had-something-like-this-in-the-usa/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 04:18:41 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Beauty or Health]]></category>
		<category><![CDATA[Business or work]]></category>
		<category><![CDATA[Computers and software]]></category>
		<category><![CDATA[Friends or Family]]></category>
		<category><![CDATA[General Life]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[Money and Finances]]></category>
		<category><![CDATA[Technology and gadgets]]></category>
		<category><![CDATA[Venting]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[lawyer]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[traffic]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=1393</guid>
		<description><![CDATA[Thanks for the guest post Michael Urbanek Four years have passed since the car accident happened that ruined my life. I was on my way home from work when I was rear ended by a car whose driver was too busy talking on the phone to realize that the cars in front of her had [...]]]></description>
			<content:encoded><![CDATA[<p>Thanks for the guest post Michael Urbanek</p>
<p>Four years have passed since the car accident happened that ruined my life. I was on my way home from work when I was rear ended by a car whose driver was too busy talking on the phone to realize that the cars in front of her had stopped for a red traffic signal.</p>
<p>She rear-ended the vehicle in front of me, pushing that vehicle into the rear of my truck. At the time of impace I was in the process of changing the CD in the CD player, since I had already stopped for the traffic light. I was badly injured as a result of the accident, and we had to hire a lawyer to help us to recover the costs of the accident. I wish that we had been able to find a <a href="http://www.accidentconsult.com/ClaimCalculator/ClaimCalculator-1.html">claim calculator</a> on the Internet back then to help us figure out what type of award we might be able to expect from the accident. As it is we still have not yet settled from the accident, and I am thinking that we never will see any money from it.</p>
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		<title>No More Racks</title>
		<link>http://janicemanilow.com/2012/01/no-more-racks/</link>
		<comments>http://janicemanilow.com/2012/01/no-more-racks/#comments</comments>
		<pubDate>Sat, 21 Jan 2012 23:42:25 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Friends or Family]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[Money and Finances]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Technology and gadgets]]></category>
		<category><![CDATA[Daily Deals]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[Homework]]></category>
		<category><![CDATA[Online Shopping]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=1389</guid>
		<description><![CDATA[Learning the hard way just doesn&#8217;t make sense, when I heard of this wonderful online shopping site I wanted to take just a bit of time and do a bit of homework before jumping in. So I read some nomorerack reviews about nomorerack.com and then decided to go ahead and take the plunge and see [...]]]></description>
			<content:encoded><![CDATA[<p>Learning the hard way just doesn&#8217;t make sense, when I heard of this wonderful online shopping site I wanted to take just a bit of time and do a bit of homework before jumping in. So I read some nomorerack reviews about nomorerack.com and then decided to go ahead and take the plunge and see what I could find there that I just can&#8217;t live without and hoping for the best deal possible.</p>
<p>Facebook was a good resource when looking to see if this company that offers great Daily Deals is really on the up and up. Come to find out a few people that are my Facebook friends had used this website just recently for some of their <a href="http://sass-pants.com/one-more-reason-to-love-christmas/">Christmas shopping</a> needs and all had good things to say about it. That was good to know, you just gotta love Facebook these days. I never knew how much I would rely and depend on all that Facebook has to offer these days. Kinda makes me wonder what they will come up with next.</p>
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		<title>House Hunting in Edmonton</title>
		<link>http://janicemanilow.com/2011/10/house-hunting-in-edmonton/</link>
		<comments>http://janicemanilow.com/2011/10/house-hunting-in-edmonton/#comments</comments>
		<pubDate>Sun, 30 Oct 2011 05:14:11 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Business or work]]></category>
		<category><![CDATA[Friends or Family]]></category>
		<category><![CDATA[Money and Finances]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Travel]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=1188</guid>
		<description><![CDATA[Right now I have a friend, a gal that I worked with a few years back, who is currently looking for houses for rent in Edmonton, which is a real nice part of Canada. She and her husband both are having employment issues and have had some offers up that a way and he has [...]]]></description>
			<content:encoded><![CDATA[<p>Right now I have a friend, a gal that I worked with a few years back, who is currently looking for houses for rent in Edmonton, which is a real nice part of Canada. She and her husband both are having employment issues and have had some offers up that a way and he has some family there that they can rely on for assistance during the settling in process. I wish them all the luck in the world, hope I get to see them again at some point. The U.S.A. is losing two good people and Canada will be lucky to have them up there!</p>
<p>Even though we lived way up in Maine, which isn&#8217;t all that far from Canada, I have to be honest and say that I never had the chance or opportunity to take such a trip up there. Now that we are living way south I don&#8217;t know if I&#8217;ll ever get up there or not. I have several friends and acquaintances that are scattered here and there that I&#8217;d love to be able and visit. Most likely I would never have to spend a dime on any hotel or motel rooms, nor pay for too much food along the way.</p>
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		<title>Customized gift cards</title>
		<link>http://janicemanilow.com/2011/10/customized-gift-cards/</link>
		<comments>http://janicemanilow.com/2011/10/customized-gift-cards/#comments</comments>
		<pubDate>Mon, 10 Oct 2011 15:31:26 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Business or work]]></category>
		<category><![CDATA[Friends or Family]]></category>
		<category><![CDATA[General Life]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[Money and Finances]]></category>
		<category><![CDATA[Shopping]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=448</guid>
		<description><![CDATA[I don&#8217;t know about you, but I love gift cards.  I&#8217;ve heard many people say that they think that they are a &#8220;cop out&#8221; because that means that they giver doesn&#8217;t want to give a lot of thought as to what the recipient wants, but I beg to differ!  I think that they are perfect!  [...]]]></description>
			<content:encoded><![CDATA[<p>I don&#8217;t know about you, but I love gift cards.  I&#8217;ve heard many people say that they think that they are a &#8220;cop out&#8221; because that means that they giver doesn&#8217;t want to give a lot of thought as to what the recipient wants, but I beg to differ!  I think that they are perfect!  What is says to me, is that the person acknowledges that I have enough dust collectors and might want to buy something that fits just right, or use as a special treat at a restaurant.</p>
<p>I love the fact that you can customize them now online with special photographs that you can upload yourself to make the gift card more memorable &#8211; when the recipient pulls out the gift card to use and sees the photograph of the giver on it, it reminds them of the person who gave them the gift &#8211; and I think that is wonderful!  Or the picture could be of the recipient himself so his brother/sister can&#8217;t steal it and claim it belongs to them when they are caught!</p>
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		<title>Kids and credit cards</title>
		<link>http://janicemanilow.com/2011/10/kids-and-credit-cards/</link>
		<comments>http://janicemanilow.com/2011/10/kids-and-credit-cards/#comments</comments>
		<pubDate>Tue, 04 Oct 2011 00:25:57 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Education and Personal Growth]]></category>
		<category><![CDATA[General Life]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[Money and Finances]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Technology and gadgets]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=163</guid>
		<description><![CDATA[When I was a young adult just starting out, there was limited information available to me to teach me about credit.  The truth be told, everything I learned about credit I learned from my parents!  Even though I had taken business courses in high school, there really wasn&#8217;t any teaching about the real life ins [...]]]></description>
			<content:encoded><![CDATA[<p>When I was a young adult just starting out, there was limited information available to me to teach me about credit.  The truth be told, everything I learned about credit I learned from my parents!  Even though I had taken business courses in high school, there really wasn&#8217;t any teaching about the real life ins and outs about credit.</p>
<p>Well, now is really different!  With the Internet at our fingertips, today&#8217;s teenagers and young adults are extremely fortunate to have such great websites as the studentcreditcardscenter.com to go to. At that website they can read a lot of great articles about the different types of student credit card offers and brands that are available to the student. There is also a really great article about identity theft that I think everyone should read no matter how old (or young) you are!</p>
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		<title>Pet Store Blues</title>
		<link>http://janicemanilow.com/2011/05/pet-store-blues/</link>
		<comments>http://janicemanilow.com/2011/05/pet-store-blues/#comments</comments>
		<pubDate>Mon, 16 May 2011 13:48:52 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Business or work]]></category>
		<category><![CDATA[Computers and software]]></category>
		<category><![CDATA[General Life]]></category>
		<category><![CDATA[Internet]]></category>
		<category><![CDATA[Money and Finances]]></category>
		<category><![CDATA[Technology and gadgets]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=1026</guid>
		<description><![CDATA[This guest post from Werner Rogers My husband and I thought we had covered all our bases when we opened the doors to our pet store earlier this year. Boy, were we wrong! When the first client got up to the register I realized I had never research credit card or bank card processing companies! [...]]]></description>
			<content:encoded><![CDATA[<p>This guest post from Werner Rogers</p>
<p>My husband and I thought we had covered all our bases when we opened the doors to our pet store earlier this year. Boy, were we wrong! When the first client got up to the register I realized I had never research credit card or bank card processing companies! I have to tell everyone those first few weeks that we only accepted cash which was not only really embarrassing, it lost us quite a few sales. Now that we have all our ducks in a row I feel much more professional than I did at the beginning but for a while there I think we were both running on fumes. It&#8217;s definitely not easy owning your own business and it&#8217;s hard being responsible for every little problem that arises that at the end of the day I love being my own boss. I don&#8217;t ever think I&#8217;ll go back to corporate life, especially since I get to play with adorable <a href="http://www.militaryworkingdogadoptions.com/" target="_blank">dogs</a> all day and get paid for it! Who could ask for a better job?</p>
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