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	<title>Janice Manilow &#187; Money and Finances</title>
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	<link>http://janicemanilow.com</link>
	<description>Kickin&#039; back</description>
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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 and/or Health]]></category>
		<category><![CDATA[Business and/or work]]></category>
		<category><![CDATA[Computers and software]]></category>
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		<category><![CDATA[Venting]]></category>
		<category><![CDATA[accident]]></category>
		<category><![CDATA[CD]]></category>
		<category><![CDATA[lawyer]]></category>
		<category><![CDATA[money]]></category>
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		<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 and/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 <a href="http://situlas.com/2011/12/nomorerack-reviews.html">nomorerack reviews</a> 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 and/or work]]></category>
		<category><![CDATA[Friends and/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 and/or work]]></category>
		<category><![CDATA[Friends and/or Family]]></category>
		<category><![CDATA[General Life]]></category>
		<category><![CDATA[Internet]]></category>
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		<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>
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		<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 and/or work]]></category>
		<category><![CDATA[Computers and software]]></category>
		<category><![CDATA[General Life]]></category>
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		<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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		<title>Business as usual</title>
		<link>http://janicemanilow.com/2011/05/business-as-usual/</link>
		<comments>http://janicemanilow.com/2011/05/business-as-usual/#comments</comments>
		<pubDate>Sat, 07 May 2011 17:53:49 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Business and/or work]]></category>
		<category><![CDATA[Computers and software]]></category>
		<category><![CDATA[Friends and/or Family]]></category>
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		<guid isPermaLink="false">http://janicemanilow.com/?p=1015</guid>
		<description><![CDATA[I never could quite figure out why my hubby had such an easy time applying for, and getting Business Credit Cards when he was self employed back when we first met.  When he ran into an insurance problem and we changed the business from a sole proprietor to an S Corporation and changed the business name [...]]]></description>
			<content:encoded><![CDATA[<p>I never could quite figure out why my hubby had such an easy time applying for, and getting Business Credit Cards when he was self employed back when we first met.  When he ran into an insurance problem and we changed the business from a sole proprietor to an S Corporation and changed the business name tried to get some Business Credit Cards under the new business name it was almost impossible to get them.  And when he obtained a Line of Credit account and never used it, so we ended up paying an annual fee for nothing I was really upset!</p>
<p>Oh sure, he could keep using the Business Credit Cards he had under the old name, but not under the new name.  It just didn&#8217;t make a lot of sense to me.  I found it very frustrating.  If I were going to start a new business now and get involved in business credit, I think that I&#8217;d do a little bit of research online about it at the http://www.businesscredit.org website.  Using that as a resource, I&#8217;m sure that would steer me in the right direction on deciding which kind of credit to apply for, so I don&#8217;t end up paying for services we don&#8217;t need.</p>
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		<title>Bracing Myself for the Dentist</title>
		<link>http://janicemanilow.com/2011/04/bracing-myself-for-the-dentist/</link>
		<comments>http://janicemanilow.com/2011/04/bracing-myself-for-the-dentist/#comments</comments>
		<pubDate>Wed, 20 Apr 2011 01:15:26 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Beauty and/or Health]]></category>
		<category><![CDATA[General Life]]></category>
		<category><![CDATA[Money and Finances]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=999</guid>
		<description><![CDATA[The missed call on my phone this afternoon was from my dentist office, reminding me that I have an appointment next week. Wasn&#8217;t that nice of them? I bet a lot of people hate going to the dentist so much that they manage to forget their appointments. Probably more so than doctor appointments get forgotten. [...]]]></description>
			<content:encoded><![CDATA[<p>The missed call on my phone this afternoon was from my dentist office, reminding me that I have an appointment next week. Wasn&#8217;t that nice of them? I bet a lot of people hate going to the dentist so much that they manage to forget their appointments. Probably more so than doctor appointments get forgotten. And in tough economic times, I suspect that expensive dental appointments are one of the things that get dropped off the budget where there is not enough money to go around, especially if they don&#8217;t have a dental plan to help.</p>
<p>Thankfully, I found a type of medical plan to help keep medical and dental costs down. I heard about Ameriplan from a friend who is self employed and works from home. Since she was not a member of a big employee group, she had a tough time finding a good health plan for herself and her family.</p>
<p>I would like to know more about her discount plan to see if that might help my younger sister. She&#8217;s been laid off for almost a year now and is trying to decide if she should keep paying thee COBRA from her old old job or find something less expensive that will help her  until she goes back too work.</p>
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		<title>Tax Reminder</title>
		<link>http://janicemanilow.com/2011/04/tax-reminder/</link>
		<comments>http://janicemanilow.com/2011/04/tax-reminder/#comments</comments>
		<pubDate>Thu, 14 Apr 2011 18:31:22 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Business and/or work]]></category>
		<category><![CDATA[Computers and software]]></category>
		<category><![CDATA[Money and Finances]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=997</guid>
		<description><![CDATA[Every year I get my taxes done a few days before the deadline and mail in the return with a check. I really hate doing that &#8211; the filling out of forms as well as writing the check. I wish there was an easier way, even though so much is done on the computer it [...]]]></description>
			<content:encoded><![CDATA[<p>Every year I get my taxes done a few days before the deadline and mail in the return with a check. I really hate doing that &#8211; the filling out of forms as well as writing the check. I wish there was an easier way, even though so much is done on the computer it is still very stressful and time consuming.</p>
<p>So, mine are done but I know some of my family and friends put it off until the very last minute. Usually the deadline is April 15, but this year they have extended it to April 18. So you procrastinators have 3 more days to put it off &#8211; or get it done!</p>
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		<title>Shrinkage</title>
		<link>http://janicemanilow.com/2011/01/shrinkage/</link>
		<comments>http://janicemanilow.com/2011/01/shrinkage/#comments</comments>
		<pubDate>Sun, 09 Jan 2011 01:32:50 +0000</pubDate>
		<dc:creator>Janice</dc:creator>
				<category><![CDATA[Business and/or work]]></category>
		<category><![CDATA[Food]]></category>
		<category><![CDATA[General Life]]></category>
		<category><![CDATA[Money and Finances]]></category>
		<category><![CDATA[Shopping]]></category>

		<guid isPermaLink="false">http://janicemanilow.com/?p=918</guid>
		<description><![CDATA[A couple of days ago I was watching the Today show and they were talking about something dubbed &#8220;shrinkage&#8221; that is effecting the size of the products that we are buying. They were talking about how instead of prices going up the companies are reducing the amount of product we are getting for the money. [...]]]></description>
			<content:encoded><![CDATA[<p>A couple of days ago I was watching the Today show and they were talking about something dubbed &#8220;shrinkage&#8221; that is effecting the size of the products that we are buying. They were talking about how instead of prices going up the companies are reducing the amount of product we are getting for the money. I don&#8217;t know about the rest of the consumers &#8220;out there&#8221; but I feel that is truly an insult to my intelligence. I&#8217;ve noticed over the past year how many of the products that I buy have shrunk in size. To be perfectly honest I wish they had just raised the prices. I don&#8217;t want to have to buy six boxes of ceral when I used to only buy four.  I think that the way they are doing things they are increasing the cost of packaging and increasing the amount of wasted packaging that is going to end up in the landfills. What do you think?</p>
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