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bargainbabe

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bargainbabe last won the day on February 10 2016

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About bargainbabe

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  1. Yes, I do have authority to build my book. I have a lot of freedom to do whatever I want. I am not licensed for life yet, though. Trying to figure out if that is what I want to do, or focus more on Medicare. I have gotten to the point where I don't sign people up unless it pays a commission. I will just tell them to call the exchange or whatever to enroll if they want a product that is no longer commissionable, I hate doing that, but they would suck down all of my time, I can't work for free.
  2. Thanks guys. I agree something has to change. I am a health insurance agent. My agency has actually been wonderful, it is the carriers that we represent that do not value health insurance agents anymore. Most insurers in my area have discontinued or reduced commission on individual plans. Like, literally sending an email a month into open enrollment sayings "effective today, we will be paying 2% commission instead of 5%". Or "plan x is no longer commissionable". This isn't my agency, this is the insurance company, and they are doing it state-wide. So, even though we still get calls
  3. Haven't posted here in a while. Thought I would update, just to be able to come back later and see how things have changed or stayed the same. We are still in treading water mode. My commissions were cut unexpectedly at work a few months ago (I am in insurance-this was a carrier decision, not my agency's, their income is down, too.) I am doing ok selling, but when your commissions are cut by 2/3, you have to sell three times as much to make the same amount of money. I am moving into other types of insurance, but there is a learning curve involved and I haven't been able to make up what I h
  4. I think you are off to a good start. To avoid him being hungry and having the insulin response that ultimately lowers his blood sugar, he has to eat fewer carbs and get more of his calories from fat and protein. Very few in the dietary community are willing to say that the establishment has wrong about the role of fat in our diets. Forget eating low-fat. Don't worry about the fat, worry about the carbs. Eat broccoli with cheese or butter. Creamed spinach, awesome. Breakfast cereal with skim milk? The poor man will be starving in a hour because of the insulin response to that.
  5. wow. that amount of meat should last you the rest of the year.
  6. I am really sorry. Hugs to you.
  7. So we finally had someone out to look at our air-conditioning that had been broken since last fall. Estimated cost to repair: $800 Final cost: $40 The repairman was my uncle (has his own HVAC company). He had the part we needed and gave it to us. Also added freon/coolant for free. We just paid for his gas to get to our house and we are taking him out to lunch this week. Feeling pretty thankful. Dodged a bullet with that one and now we have air. I hope that whatever he did didn't cost him too much out of his own pocket, he knows things have been tight for us. He
  8. congrats on making your transition! sounds like you are making the right decision.
  9. gmarie, I just now saw this. I think you are doing great. We are in a similar situation right now and I believe it will take another 10-12k a year of income for us to really make progress as well. Awesome on the paper route! I checked into that last year for us, but we couldn't find any routes that paid near that well!
  10. Thanks everyone for the responses! I have written three responses out, but the computer keeps swallowing them! Not sure why exactly. I ran some more numbers and now I think that we are more like 30 months realistically at new income to pay off student loans. Maybe more. Big difference I know but I am trying to get a workable budget. Right now we are not at a workable budget, no money for sinking funds, clothing, etc. We have been at a crisis budget for 18 months. We have put off so many things that I am sickened thinking about it. The $600 car repair had been put off for 9 months un
  11. Wanted to update on us. I left the fast food job last August and took a job as an insurance agent. I spent most of the summer really tired doing both jobs from June through August while I built up some business. I enjoy insurance. My husband also found a job in the fall after nearly a year unemployed. It pays a little more than half of what he was making before, but the benefits are really good. We are hoping that he may get a raise at his annual review. My job does not pay very much right now, however. I started out as commission only on a draw and we were basically breaking even
  12. Yes! What Plinda and Miranova said! Go out and do something. Volunteer. Get involved. There is some group somewhere that desperately needs your skills and expertise. Find it and you will find your calling!
  13. I love decluttering picks! I may get inspired a post a couple.... my house is an absolute wreck right now, blargh.
  14. I would like to get a pressure canner eventually. Right now I just have a water bath one so I can only can high sugar/high acid foods.
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