New Giveaway coming up: 4 x $25 gift cards to Best Buy and Kohl’s.

Stay tuned for the post!

Only for U.S. readers though, sorry.

———————————————————————————–

3 NINJA STAR COAT HOOKS

Congratulations to R _ _ _ L L A

You’ve been contacted via email and CC’d to Spinning Hat.

Please get in touch with Jon to get your sexy ninja stars mailed to you!

Thanks for reading! :D

You can contact me here or find me on Twitter via @brokeinthecity.

Or come visit me at my other 2 blogs:

Style on a String and The Everyday Minimalist

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2010. | Permalink | No love left yet |

I thought it’d be a fun exercise to do a comparison between working for a company and working for yourself.

Salary:

It’s steady income, and you can expect a paycheque deposited into your account bi-weekly like clockwork.

Time:

Sure, you may work some overtime here and there, but for the most part your workweek is pretty good.

35 – 40 hours a week, and you even get paid leave in some cases, like sick days, paid vacation, personal days, or whatever your company might offer.

In consulting, if you don’t have a project, then you’re “benched”, otherwise lovingly referred to as “beached”.. meaning that you sit at home and wait for the next project, but you’re paid to do so.

Healthcare:

Usually covered by your employer, giving you a whole range of great benefits that you otherwise may not have had the cash to pay for.

This I hear, is especially helpful if you live in the States, but not so much in Canada, as we are under the universal healthcare plan.

Retirement:

Again, an employer sometimes generously offers a 100% match!

Which means whatever you put into the retirement plan, they’ll match up to a certain percentage.

If you put in 3% of your salary, they give you 3% — it’s free money and a great perk of working for a company.

Office Supplies:

Need a pen? Paper? Huge industrial photocopier? Scanner? Huge projector? For the most part, everything is available at your fingertips, and if it isn’t, you can request it.

You don’t have to worry about having an office to work at, a good desk, a locked cabinet, buying your own computer or having a chair to sit in.

Resources:

Lots of people around you to pick the brains of, and you can lean and ask for help from anyone in your department. At least, in theory.

Paperwork, Taxes and Deductions:

Automatically taken off your paycheque.

You don’t have to worry about contributing to any of it, the company has everything set up automatically, and they just deliver a summary to you at the end of the year, which makes your taxes super simple.

If you need to change something, you just call HR.

You don’t have to deal with any of the nuances of being self-employed — you get your expenses reimbursed in full with (barely) any questions asked.

THE DOWNSIDES

• Having to work overtime for free (in most cases)
• Lots of seemingly redundant & unnecessary paperwork for performance reviews
• Never having autonomy to do what you want without deferring to your manager
• Office politics are pettier, because you’re all employees jostling for raises
• Not getting reimbursed or paid on time

Thanks for reading! :D

You can contact me here or find me on Twitter via @brokeinthecity.

Or come visit me at my other 2 blogs:

Style on a String and The Everyday Minimalist

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2010. | Permalink | 3 comments |

Long story short, taking the Megabus is my new preferred way to get to Toronto if I have to.

You can get a one-way ticket from $18 to $55 a trip, and on average a ticket costs $38 for a half-filled bus.

If you go on off peak hours, or when people haven’t bought many tickets, then the price can go as low as $18.

I paid about $100 in total, but that’s because I miscalculated and had to come back a day early to start on a contract in another city…

Comparing it to driving to Toronto ($60 round trip by car)

• About the same length of time to get there (7 hours)
• Same cost of gas as well, but I booked my last ticket at $18!! ONE-WAY! Gas is at least $30
• Kind of sucks worse because you don’t have your own music or space
• …but you don’t have to try and stay awake to drive
• Also cannot bring more than 1 suitcase, 1 carry-on and 1 purse (not great if you were moving stuff, like us)
• Not great for people with motion sickness (me) because it rocks back and forth
• Can’t make any stop or rest anywhere you want to stretch your legs
• Internet is spotty on the bus, but at least you have it for free!!
• Has a table to work on in the lower level (it’s a double-decker) with power outlets

Comparing it to taking ViaRail ($180 round trip by train)

• ViaRail CLAIMS to get you there in 4-5 hours, but they’re 99% always delayed
• Only 2 hours more on the bus, and you’re paying less than half the price for a round trip
• In the end, the bus also drops you right on Bay & Dundas rather than at Union Station
• …which made for a much shorter TTC trip to get to my parents’
• The comfort level is the same — tables, plugs in the vehicle
• …and motion sickness is always a problem because both vehicles rock side to side
• Can’t make a stop or rest anywhere you want to stretch your legs
• The bus doesn’t offer food or snacks to buy, but if you’re organized, you don’t care
• Internet is $10 for 24 hours on the train, and is just as spotty as on the bus
• Both have bathrooms

In conclusion?

If you aren’t picky about amenities like food and drinks available to purchase on board, and don’t mind sitting still for about 3.5 hours (you get a 20 minute break in between halfway through), then go with the Megabus.

It wasn’t bad at all. It was better than I expected, and you even get both seats to yourself in a lot of cases!

I didn’t have to share my row with anyone, and I just listened to my iPod there and back with my Bose headphones to drown out the hum of the bus.

Highly recommended over the train, and on par with the car if you aren’t driving the whole 7 hours.

Thanks for reading! :D

You can contact me here or find me on Twitter via @brokeinthecity.

Or come visit me at my other 2 blogs:

Style on a String and The Everyday Minimalist

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2010. | Permalink | 13 comments |

I am on the lookout for natural products with as little ingredients as possible, to replace my current regimen.

So, on the hunt for a day-time moisturizer that will not:

• smell like sunscreen (BF feels ill when he smells it, because it makes him nauseous)
• sit on my skin like a mask
• not feel oily

..and a moisturizer that will:

• absorb into my skin properly, when I put a teaspoonful on my face (as you should)
• smell great, but not too strong
• work well under a primer like Smashbox’s Primer, or possibly Tarte’s Clean Slate
• make my skin feel soft and moisturized

Enter: Korres Wild Rose 24-Hour Moisturizer SPF 6

I picked up a sample at Sephora, and have been experimenting with it.

First, by just applying it without washing my face — Bad idea.

Second, by applying it after washing my face — Much better.

And trying different types of primers over it to see how the product pairs up:

• Korres Vitamin E Cream Primer
• Tarte Clean Slate that feels like a Smashbox Primer, is more natural & is cheaper

What it is formulated WITHOUT:

- Parabens
- Sulfates
- Synthetic Dyes
- Petro-Chemicals
- Phthalates
- GMO
- Triclosan

And their supposedly “active” ingredients:

(Which I don’t care too much about (or believe), I just wanted something more natural and moisturizing but I couldn’t care less if it had that stuff below in it)

-Regenerative Oak Extract: Firms and plumps aging skin, radically boosting collagen and elastin production.
-Quercetin Active: Delivers the most active, well-established polyphenol for maximum antioxidant protection; catalyzes proteasome activity in skin cells, dramatically improving cellular function, and creating more youthful, healthy, elastic skin.
-Mourera Fluviatilis: Constantly regulates the optimum hydration of the cells, maintaining their health and improving their quality.
-Myrtle Active Extract: Enhances intercellular communication, visibly increasing skin density, protecting collagen fibers, and significantly boosting elasticity.

All the Good Things

• It smells heavenly, like a light scent of roses
• It doesn’t make BF gag
• It has SPF 6 in it
• It seems to absorb a teaspoon quite nicely

All the Bad Things

• It isn’t SPF 15, but for its lack of oiliness (which is usually the SPF), I’m compromising
• It costs $35 for 1.4 oz (ouch!)
• You MUST wash your face in the morning before using it, or else face the risk of looking like you dipped your whole face into a bowl of mineral oil

Other than that, highly recommended.

I mean, the SPF is half what it should be, but for everything else I am getting, like the non-gag factor from BF, I am thrilled.

Thanks for reading! :D

You can contact me here or find me on Twitter via @brokeinthecity.

Or come visit me at my other 2 blogs:

Style on a String and The Everyday Minimalist

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2010. | Permalink | 6 comments |

BF and I have been (and still are) discussing our future retirement plans.

How did this all come about? Innocently one day, as we were petting unicorns and singing Kum-ba-yah…

Okay. Seriously, he was hyperventilating slightly about making sure we have enough for when we retire, and not only that — to retire early to boot!

This freak out came about one night when he started reading an article on how less than 19% of Canadians have saved over $250,000 for their retirement, which in his world, is his MINIMUM level for retirement savings.

About 30% haven’t saved more than $25,000.

*BF starts hyperventilating with visions of cat food dancing through his head*

And the discussion began.

Factors to consider:

• Not going to retire in North America so cost of living in retirement will be lower
• May actually have family home(s) available in Europe to buy in full or rent at low cost
• If not, will probably stay renters for life — we’re not really interesting in owning homes
• Each of us will fairly contribute 50% to the retirement egg*

*Some people don’t find this fair, and want to base it on income %.

I agree if that works for you, like if one is earning $20k to someone’s $100k.

But we don’t have a high differential in our incomes, it’s all over $100k for each of us if we both manage to score contracts for a good part of the year.

Questions to ask when planning for retirement:

After you calm down your hyperventilating partner…..

1. At what age do you want to retire?
2. How much do you need to retire? (What are your plans?)
3. How long are we planning for as a lifespan?

Canadian Retirement Notes:

TFSA = Tax Free Savings Account (like a ROTH IRA? Someone correct me please.)
No tax break given now, more like a savings account, but you can save up to $5000/year under this plan and not pay any taxes on the profits.

RRSP = Registered Retirement Savings Plan (like a 401k I think)
Given a tax break on your income now, but you will pay the taxes later when you withdraw the dough.

Canadians, read here about the difference between the two.

#1 — AT WHAT AGE DO WE WANT TO RETIRE?

That’s always the #1 question in retirement planning: when do you want to call it a day?

He’d like to retire at around 50, perhaps 55.

Me, I always thought I’d work until 65, and have 40 years to save.

I am not really convinced I will (or want to) retire early, but I think to be on the safe side, I want to be uber conservative and plan for the big picture.

Put on top of that the fact that he’s also 10+ years older than me, and if he retires at 50, I’m going to have to retire at 40 to keep pace!

That is, if I want to, which I am not convinced of at the moment because I feel it’s too young.

Nevertheless, this is a good exercise for both of us to consider.

Still, I never say never.

Early retirement also poses another problem: I cannot withdraw anything from my RRSP until I am 65.

Therefore, if I retire at 50, I need to bank 15 years worth of cash and TFSAs to live, before I can release and draw upon my retirement funds.

#2 — HOW MUCH DO WE NEED TO RETIRE?

I am not taking Canada’s government pension plan into account here, because I am not expecting more than $300 a month from it, and that can just be a bonus to supplement my own personal plan.

So…. I always thought it was 75% of your salary, and in the good ol’ days, I could count on $60,000 a year.

That meant that I was aiming to be able to withdraw and spend at least $45,000 gross.

But then BF made a good point: right now, we kind of already live like pensioners (which we’re enjoying by the way, not doing as punishment or out of an OCD need to save).

We spend about $20,000 – $30,000 a year on net expenses which includes traveling, fun stuff like entertainment, renting a place, and splitting everything in half.

In total, $40,000 – $60,000 together as a couple.

So let’s just assume what we’re spending now is generally what we’d spend when we’re retired, around $20,000 each if we’re traveling a bit and sharing in the expenses 50/50.

BF: But I wanted to upgrade our lifestyle!

Me: Upgrade? By buying a fighter jet? Eating foie gras daily? What are we upgrading on?

BF: Well.. I mean what are we going to do when we’re retired? I wanted to travel more.

Me: I wasn’t planning on sitting around at home staring at each other 24/7! Of course we’re going to travel. How much more did you want to travel?

BF: Like take a month off. It’s going to cost around $4000 just for a trip for a month.

Me: But we’re not spending $4000 every month on a trip in your upgrade scenario right? We already do that on our current budget.

BF: True. Maybe we just stick to our monthly budget and travel more by traveling on the cheap to cities around where we’re retired.

Note: What about having those rug rats?

We are not taking kids or a family into account here, because I am assuming that my future offspring will NOT need to support me and vice versa.

This is just retirement planning for the two of us, not the whole family, and we are going to make more than $30,000 a year each on average, to be able to pay all the extra expenses that will eventually come with having a family.

#3 — HOW LONG DO WE PLAN ON LIVING?

Well, taking statistics into hand, women live longer than men and I am 10+ years younger than BF.

Chances are, I am going to need a lot more money saved than he does.

On the bright side, I also have 10+ extra years to save and plan for this eventuality.

If we retire early, let’s say BF at 60 and me at 50. I should expect to live until 90 based on my current lifestyle and family history.

That means I have to have enough banked for 40 years.

BF is probably going to live unusually long for a man, until at least 80 with his family history and current lifestyle.

He needs to bank 20 years of savings, and I think he’s already got that more than covered from what I gather.

He’s just being a worrywart.

With all that in mind….

HERE ARE MY CALCULATIONS

With my handy dandy retirement calculator in my budgeting sheet, have come up with these numbers:

Notes:

• Rate of Return: 5% — very, VERY conservative
• Years to live: 40 because I am retiring at 50, living until 90 as my best case scenario)
• Years I have to save: 23

I need to save at least $1600/month at least which is $19,200 a year.

Still, if I can save more, I’m going to do it.

But.. DAMN!!

MY ORIGINAL PLAN VERSUS MY NEW PLAN

Originally, I wanted to save about $1000 a month, or $12,000/year, but I was also assuming I had 40 years to save! Not the hypothetical 23 years.

I did not foresee NOT working for all of 2009, so I had no fresh income coming in.

That being said, I still managed to sock aside these amounts from my savings:

$5000 = TFSA 2009
$3553 = RRSP
Total: $8553

For me, it was a pretty good showing, albeit pitiful in comparison to my original goal.

Since I need to start ramping up on the savings just to get to my comfort zone, I need to make a new plan:

$5000 = TFSA 2010
$5200 = Cash & Equivalents*
$9000 = RRSP**

$19,200 to be saved

* Cash: I need this to be my hefty emergency fund as well in case I run into a repeat of 2009 with $0 in income.

** RRSP: I don’t actually know the exact amount as my taxes aren’t filed yet, but ballparking it, I think that’s what I will be allowed next year. Hopefully more.

STEP #1: ALLOCATING THE $20,000 DIVIDENDS

I need to make sure I keep enough cash flow in the business to operate as well as enough cash in my emergency fund.

I can’t put everything into retirement accounts that I cannot touch until I’m 65.

I need large amounts of money saved because I’m a freelancer without a steady cheque.

$5000 = TFSA 2010 in full
$12,000 = Cash & Equivalents saved in full*
$3000 = RRSP

$20,000 to allocate

*I need to replenish a large chunk of what I drained for 2009 in living expenses.

STEP #2: FIGURE OUT WHAT TO DO WITH THE EXCESS

Any money I make above and beyond will go towards:

• Topping off my RRSP (now that I think about it, I think it’s $11,000)
• Putting the rest into cash equivalents for my emergency fund
• Bank the rest and wait for the next fiscal year to top off my plans again

Wash, rinse, repeat x 23 years.

ALTERNATIVELY: CONSIDER PASSIVE INCOME

BF’s strategy is just to save as much as possible and live off the interest.

To get $25,000 in interest, giving at least 5% a year, you need to have half a million banked.

Assuming interest rates are at rock bottom – 3% – you need at least $700,000 banked to get $21,000 in interest a year.

Maybe if I can really bank away lots of cash now into a savings account I could foresee being able to live off part of the interest.

The only thing nagging at me is all that money for no real enjoyable reason. I mean, if I saved half a million, I am selfish enough to want to spend some of it on myself during my retirement years and life, rather than just split it among my kids upon my death.

So, that’s the new FB Retirement Plan that I’ve hashed out so far: to save around $20,000 a year.

Thanks for reading! :D

You can contact me here or find me on Twitter via @brokeinthecity.

Or come visit me at my other 2 blogs:

Style on a String and The Everyday Minimalist

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2010. | Permalink | 27 comments |

It seems as though everyone would rather make more money than cut back on expenses.

Just the other day, I heard the following lines coming out of The Idiot:

“We don’t have any money coming in now, but we CAN’T give up cable TV!

What would we do all day in the home, since I’m not working now?”

Uh.. cook instead of buying pre-made, processed, frozen meals?

Go to the library and read?

Play with your kids and teach them how to sing, learn, read and be children?

Go to the park and take a walk?

Rent DVDs for free from the library?

Do all the little chores you’ve been ignoring because you were soooo busy?

It totally sucks to be at home, doing nothing, trying not to spend money, but when money is tight, or you are going into debt with each passing day, you have to make drastic cuts and changes.

But to be fair, he isn’t the only person to say that, nor will he be the last.

I’ve heard it from my brother, my sister, my friends, and just in general online around the blogosphere.

“Nuh uh.

No way.

My nails and my hair are THE most important things about me.

I am NOT giving up my manicures, pedicures or blowouts.”

I have heard that coming out of a girl at a party I was at.

She was willing to go into credit card debt for her nails and hair each week, because they were the definition of who she was.

While I can understand that taking care of yourself, and dressing nicely is important.. I don’t see how it can become so important that it defines who you are.

Or that it requires you to go into debt for it.

“We NEED a maid and gardener twice a week, we just don’t have time to clean, because we’re working so much.

And we eat out all the time because we have to.”

(My brother)

Uh.. if you didn’t have to pay your maid and gardener, and cut back on your lifestyle inflation, you wouldn’t have to work so much.

And no one has to eat out all the time if you’re organized.

You can spend 4 hours cooking one major pot of soup for the whole week, making stock from scratch to do it and it would not be a waste of time.

Why?

Because you can supplement it with freshly cooked chicken or sausage during the week to add to it, and having pasta inside for a heartier meal.

There, slightly altered meals for the whole week, that are different enough to be interesting.

But then again, I am the type of girl that LOVES to eat the same meal over and over again, if I really love it.

“It was $3000 a month for a mortgage and about $2000 more than we wanted to realistically spend, but the baby needed a house and we couldn’t live in that tiny shack.”

“We didn’t want a starter home. We wanted to just skip all that.”

The Idiot and a former co-worker said those choice lines to me.

Well, at $3000 a month, I am not sure you will have anything left for the baby.

Or for emergency savings, or college fund savings.

No one needs a house.

Much less, a baby. A baby doesn’t care if you live in a mansion or a small, but cosy home.

A baby wants food, shelter, love and attention.

Period.

So let’s be clear. We all want a house.

We all want a place to call our own and to do whatever we want, but no one NEEDS one, when there are other options out there, like renting.

And if you have to start with a small house, then do it. You’ll find that you seem to make do, and if you feel like you need to upgrade later, then you can do it.

Later.

Not now, before you’ve even made the money.

“We NEED a break. We work so hard, and we need to treat ourselves. Our debt can wait.”

The Idiot again.

Everyone needs a break.

Everyone works hard.

But it’s up to YOU to set the priority of whether or not you can have a short-term, blow-it-all vacation in Las Vegas for a week, or put that money towards your debt instead.

If you decide to go to Vegas anyway, then own it.

Live with your decision and love it.

Don’t feel guilty about it after, and think: “Gee I should have put that towards debt.”

No one is forcing you to do anything.

But sometimes, I feel like people need to step back, and say “Do I really need, what I think I need?”

You may be surprised at what you can live without, do without and actually need.

You may find that NOT having a membership subscription at Barnes & Noble for discounts, may make you feel less pressured to spend money on books to make up for the cost of the membership (true story, happened to me).

You may also find, that giving up that membership, will force you to get out of the home, go to the library and spend a wonderful day, being able to check out ANY book you desire, to read and peruse.

And if you love it, you can buy it after. Not before.

You may find that no one cares if you wear the same sweater or outfit twice, and you do NOT need to buy a new outfit each month.

You may do a little organizing while you stay at home, trying to save a couple of bucks, and find that cherished necklace behind the dresser you thought was lost forever.

Thanks for reading! :D

You can contact me here or find me on Twitter via @brokeinthecity.

Or come visit me at my other 2 blogs:

Style on a String and The Everyday Minimalist

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2010. | Permalink | 28 comments |

February Income: $12,937.50

This is before 19% year-end taxes, so my real “net” is $10,479.37.

February Expenses: $3620.13

$2643.01 – Business-related

$977.12 – Personal expenses

NET EARNED: $9317.37

BUDGET BREAKDOWN: $3620.13

Ouch.

This is where business & personal are inextricably linked.

Business: $2643.01

I’m traveling Monday to Thursday to work in another city, and I am incurring a lot of extra expenses.

Note: I’m taking a rental car just for the winter until the snow & ice melt and it becomes safer to drive my own car.

I was pretty thrilled to have the rental last week, as a snowstorm moved in, and we were crawling at 60 km/h on the highway. It was slippery and very dangerous!

The car I own was just meant to drive within the city to clients, not city-to-city for 4 hours a week on the highway. It’s 10+ years old and I’d rather pay and be safe than be cheap and sorry.

Personal: $977.12

Just squeaked under $1000 this month.

NET WORTH = $60,241.17

Increased by $6928.24 or 12.52%

Assets

• Cash: $88.55
• Savings: $7038.82
• Business: $10,051.69
• Business Accounts Receivable: $12,937.50
• Retirement: $30,124.61

Retirement took a bit of a beating this month, but I’m a long-term investor so I’m just going to chill out rather than freak out.

Will also max my TFSA before I receive the first payment from my client at the end of March, taking it out of savings instead.

Debts

• $0

Thanks for reading! :D

You can contact me here or find me on Twitter via @brokeinthecity.

Or come visit me at my other 2 blogs:

Style on a String and The Everyday Minimalist

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2010. | Permalink | 11 comments |

Thanks to Mint.com Blog

My notes:

Thanks to Bucksome Boomer for kicking my ass into gear to write this:

I am not surprised by the numbers, although there are factors that contribute to this:

1. Women’s work is not LESS valued, they’re just cheaper, and as a result, in more demand than we think, just based on cost alone.

Managers are smart, rational people.

If they see a woman at $40,000 a year, and a man asking for $60,000 a year, they won’t just pick on gender alone.

Sometimes it’s just economics and what will save the company money, considering that women can and will do the same job as a men.

2. Women don’t tend to enter fields that pay more money – they shy away from IT, math, sciences, engineering, finance… all things that are typically considered “male” occupations.

They’re encouraged to become teachers, designers, nurses, go into marketing, etc. I am not saying those are bad occupations or that they cannot make good money there, it’s just reality.

3. Women aren’t expected to be career women, and/or they’re out of the workforce for quite long and have to start at the bottom rung again.

It’s just that men are expected to work their whole lives and not take time off to care for their kids. I am not saying it’s a bad thing if a man stays at home, or if a woman stays at home, but boys grow up with the expectation of working their whole lives.

4. Along the lines of not being career women, we also don’t put in the hours it takes at a job.

Simply put, we don’t want to and would value our time more than money, and it isn’t our priority.

5. We don’t know how to negotiate or fight.

I had to learn all of that very quickly in the past 5 years on how to ask for more money, be more assertive, confident and to feel valued — because I am. That is not something that is taught to girls at a young age, because you always hear something like: “And what man will want you for a wife if you are going to act like that?”

Along the same lines, we aren’t expected to negotiate or fight.

I always get guff from brokers (mostly men, actually) who feel that I should just be happy getting what I get per hour, even if it’s $20/hour less than what a man would charge.

Not only because I’m a woman, but because I am young.

I don’t buy or subscribe to that stereotypical BS, and I stay firm on what I expect as a rate.

If they want me, they’ll take me, and most of the time when I’ve asked for what I wanted and was not persuaded or swayed to take less money, I’ve gotten it.

So to be honest, we kind of get what we deserve.

If we don’t ask for anything, we won’t be given raises.

If we don’t want to put in the hours to make it at that job, then we don’t deserve the salary that goes with it.

(It can be a choice too, because when I worked for a company, I CHOSE not to be a manager whose work consumes her life. I specifically did not want to rise in the ranks.)

If we decide to stay at home, we cannot expect to pop back into the workforce after 15 years at the same salary and value. We start at the bottom, just like any PERSON would, being out of the workforce for so long.

If we decide to work and try to do the work-life balance thing, we cannot expect to earn more money if we don’t ask our husbands and partners don’t help out as well, to balance the workload, or if we simply feel like we should be able to do it all.

That being said, I know women do get paid $0.75 on the $1.00, but it makes me wonder if any of the above factors don’t help contribute significantly to WHY we get paid less.

I also don’t believe in getting the job just because of race/ethnicity and gender, to fulfill some silly diversity quota.

As a manager, I’d want the person who is the best for the job, and if a man has been working his whole life, putting in the hours (and perhaps neglecting his family), asking for raises, and doing what it takes, I am going to pick his resume and his skills over a woman who hasn’t done the same thing.

It may not seem fair at first glance, but take out the gender-specific pronouns or swap them, and see if you feel differently about the above situation.

Even just looking at the graph, you can see the salary differences between races of a single gender, so gender isn’t the biggest factor in why we get paid less.

A very interesting topic indeed.

Thanks for reading! :D

You can contact me here or find me on Twitter via @brokeinthecity.

Or come visit me at my other 2 blogs:

Style on a String and The Everyday Minimalist

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2010. | Permalink | 12 comments |

Good for a laugh!

Via

Thanks for reading! :D

You can contact me here or find me on Twitter via @brokeinthecity.

Or come visit me at my other 2 blogs:

Style on a String and The Everyday Minimalist

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2010. | Permalink | 2 comments |

Since I am on the hunt for a natural primer, I also checked out Tarte’s Clean Slate.

I really enjoy the feel of silicone-based primers. They just seem to work, slide on better, and do the job.

Being a fan of Smashbox’s Primer for a while now, I figured it was the closest match.

What it is formulated WITHOUT:

- Parabens
- Sulfates
- Synthetic Fragrances
- Synthetic Dyes
- Petro-Chemicals
- Phthalates

The Good Things:

• Feels JUST like a Smashbox Primer going on (same slippery feel)
• Cheaper than Smashbox by $9 and you get 0.17oz more to boot
• My skin looked instantly dewy and soft, rather than shiny and oily

The Bad Things:

• Umm…….? It has silicones in it?

Tarte versus Smashbox

For the most part, it looks like the Tarte Clean Slate has more oils from fruits and flowers than Smashbox.

The two major ingredients that cannot be removed are Cyclomethicone and Dimethicone Crosspolymer — those are the silicones that give that great, slippery feel to the primer and make them work so well.

Tarte is also paraben-free, which is a plus.

The In-Depth Verdict:

I covered my face half with Tarte’s Clean Slate on the right, and Korres Vitamin E Cream Primer on the left.

It feels much less oily than the Korres side, I also don’t feel it being as heavy on my skin.

When I move my face, I can almost feel the Korres side pulling with the weight of the product on there, but the Tarte side feels light and free.

The real test came when I put on the Bare Escentuals.

Both sides looked perfectly dewy with the Bare Escentuals on.

In fact, Tarte Clean Slate seemed to do slightly worse, but maybe it’s just because that side of my face is not as smooth and poreless as the other.

So far, after 4 hours, both look fine.

No makeup has melted off, and both sides of my face look a little shiny, probably from the SPF moisturizer I have underneath.

I did notice that the Tarte side seemed to have hold on the blush just a tad better, but it might be just be as a result of my amateur makeup application skills.

The first application of the Tarte Clean Slate, made my skin feel and look less shiny, but now when I look in the mirror, both sides of my face look exactly the same.

When I rub my cheeks, the left side with the Korres is slightly oilier which I am not a fan of.

No makeup has melted off, and both sides of my face look a little shiny, probably from the SPF moisturizer I have underneath.

I think Tarte is great if you want something that is…

• slightly cheaper as a natural primer, in comparison with Korres
• significantly cheaper than Smashbox’s Photo Finish Primer
• going to feel exactly like Smashbox’s Photo Finish Primer (silicone to fill in the lines)
• won’t make your skin feel oily to the touch after application
• want something that is not a cream that will absorb into your skin

I think Tarte is not to hot if you…

• are uncomfortable with silicones
• want something with vitamin E, jojoba oil and all this other great-for-skin stuff
• don’t moisturize beforehand (moot point for me, I need SPF on my skin at all times)

Enjoy!

(I ended up buying the Tarte Clean Slate primer)

Thanks for reading! :D

You can contact me here or find me on Twitter via @brokeinthecity.

Or come visit me at my other 2 blogs:

Style on a String and The Everyday Minimalist

© FB @ FabulouslyBroke.com for Fabulously Broke in the City, 2010. | Permalink | 11 comments |