- Freedom is that instant between when someone tells you to do something and when you decide how to respond. #
- RT @keepinspiringme: Win a Canon EOS 450D SLR camera by simply tweeting the #kimcanon hashtag. #
- RT @mbhunter Carnival of Personal Finance: Parts-of-speech abuse edition http://bit.ly/7cyAqV #
- Note to self: While misusing the faucet sprayer may make me giggle, my wife is not so appreciative. #
- RT @copyblogger On Dying, Mothers, and Fighting for Your Ideas http://bit.ly/7gZgW3 #
- Blackberry? Good or Evil? #
- Round 1: Me v Snow. Winner: Me. #
- RT @The_Weakonomist: Men, I've learned that in relationships, you can be happy, or you can be right. #
Saturday Roundup
- Image via Wikipedia
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Day 18 of the 30 Day Compact. We’re doing well, but not perfect. My cousin is getting married next week, and I’m not going to buy used for that. That makes it 1 purchase so far this month, not counting food or consumable hygiene items. That’s not too bad!
The Best Posts of the Week:
Yahoo put 1000 computers to work for 23 days and found that the 2 quadrillionth digit of pi is 0. Just for the geek of it.
If you are habitually late, you are rude and selfish. Don’t leave other people waiting for you.
Just letting my inner survivalist out for a minute: Always watch what’s going on around you and don’t put yourself in a situation that makes you an easy victim. I strongly recommend a “Refuse to Be a Victim” class for everyone, especially–to let out my inner chauvanist–women.
For Halloween this year, I think I’m going to go as sexy Big Bird.
And finally, how much of your weekly 168 hours are you wasting?
Finally, a list of the carnivals I’ve participated in:
Nada. I forgot to submit any posts to any carnivals last week. I’m a sad clown.
Does Money Make Miley Cyrus Act Crazy?
If you’re like millions of people who saw Miley Cyrus’s performance at the MTV Video Music Awards recently, you’ve probably wondered what the effect of massive success on the music and acting star. Cyrus seems to be
doing everything possible to remake her image in the exact opposite of her squeaky clean mold that Disney and other companies have created for her over the last several years. (A rumor has it that Disney even created a contractual obligation for Cyrus to maintain a certain haircut during her “Hannah Montana” television show.) There’s a sense of someone taking on their first sense of independence, and running with it — the star seemed to be sending the message to the audience that she was not going to live according to the expectations of others anymore, and from the look of it, they got that message loud and clear.
The horrified looks of Rihanna, Drake, and Will Smith aside, the real question people had is whether the massive financial rewards of Cyrus’ singing career can explain her crazy behavior. Cyrus is said to be worth about $100,000,000 — certainly a fortune by any standards. And since she is still struggling with the problems of young adulthood — forming an identity, understanding her values and taking a place in society, it’s very likely that her finances contribute to at least some of her behavior.This effect of money can come from many different areas of life. For one, many people who become wealthy at a young age are suddenly struck with the fact that they have no need to work, but who often want to develop a career and contribute to society. Take Steve Jobs for example, who at 31 years old was fired from Apple Inc. by the company’s board of directors. Jobs had in fact started the company himself, and was worth well over a hundred million dollars by that time. And yet, feeling like contributing to society was more important to his life than resting on his laurels, Jobs started a new company, NeXT, where he hoped to contribute inexpensive computers to universities.
The fact that Cyrus is barely into her 20s should tell you something about how much time she has to develop her career. She has enough to retire at an age when most people are just starting their first real job. And that is a tough position to be in. If she is hoping to push her singing and acting career well into adulthood — as most artists would like to — it may be that she is trying to make her mark now. Think of it a bit like Bob Dylan in 1964, releasing electric music for the first time, when before that point he was primarily known as a folk singer making gentle acoustic music.
Dylan’s idea may have been a bit like what Cyrus’ is. That is to say, maybe Miley Cyrus is trying to avoid becoming a has-been, a relic of the 2000’s who burned out playing inoffensive pop music. If this is the case, Cyrus may be able to shift her career into a different mode by showing herself to be an uncompromising artist. Remember that even the greats of the past — Frank Sinatra for example — were once viewed as essentially music for teenagers, and not serious artists. Sinatra even suffered career failure in his 20’s when his audience grew up and moved on to other things. But he came back to record success when he began allowing his music to mature and his ideas to gain focus. If Cyrus can pull such a move, she may not be remembered as a teeny-bopper, but as a serious artist.
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Payday Loans Suck
- Image by vonglee via Flickr
A few weeks ago, I was approached about placing ads on this site. I was excited when I read the email. It came from a real domain, didn’t involve any Nigerian princes or wire transfers for overpayments.
Over the course of the email conversation, it was determined that, for a fee, I would place some links in a few archived posts. It would just be links to improve search engine ranking, without being an eyesore for my current readers. I don’t have a problem with that. The intrusiveness is similar to Chitika ads, which are only visible to search traffic. It’s a nice way to advertise: monetization without alienation.
Then I saw the links. I was being offered money to promote payday loans.
Payday loans offer to loan you–for example–$100 for the low(snort) price of just $25. That’s not bad. Only 25%. I know some credit cards that aren’t that good. The catch is that the loan is due in full in 2 weeks. That gives it an APR(Annual Percentage Rate) of 650%. That’s not so good.
When you payback the loan, your paycheck is pre-spent by whatever you borrowed, plus the pound of flesh fee and you are that much more likely to need their services again, digging you even deeper.
It’s not like the target demographic is terribly affluent. These are people who not only can’t make ends meet, but also can’t acquire traditional credit. They are left paying this insulting fee.
I consider payday lending companies to be immoral, unethical and generally, more than a bit dishonest. These are the people who give decent, hardworking capitalists a bad name. I’d rather go to a mob loan shark. He’s at least honest about what he is.
They got shot down.
Don’t get me wrong, I enjoy making money. I also enjoy the money I make here.
But not at the expense of my soul or my integrity.
Sammy’s Story, Part 3
If you haven’t been following along with Sammy’s story, please take a few minutes to do so here and here.
After Sammy gave me the sketches of his landscaping plan for my mother-in-law’s yard, we sat down to work out a proposal. Keep in mind that he’s never run a business and I’ve never run a landscaping business, so it was a bit of a learning experience for both of us.
We finally came up with a proposal for $1200, which included laying a plastic border around the yard, mulching the border, removing some trees and stumps, sanding and painting a swing and barbecue pit, and hard-raking the yard. He asked if $400 of that could be applied to the car he bought from us. I said yes, which was a mistake.
Sammy’s plan was to hire guys from the Salvation Army and at-risk kids, giving them a chance to improve their situations. As it turns out, a significant percentage of those folks don’t really want to work to improve their situations. The guys from the Salvation Army were all vetted by one of the counselors, but still only worked out about half of the time. The kids quit wanting to work when they found out it involved…work.
That was an expensive lesson that caused a bit of a cost overrun. If the crew that finished the job would have started it, we’d have been done weeks ago. What should have taken 3-4 days ended up taking a month. Not a 40-hour per week month, but it was still a month.
As we came closer to our garage sale, Sammy had the great idea to tackle the front yard, too. He wanted to make it pretty as an advertisement for the people coming to the sale. That inflated the cost.
We used the stacks of bricks that came with the house for the border instead of the plastic roll. Another price boost, since it involved digging deeper and laying freaking bricks.
The plan was for us to pay $800 out-of-pocket for the work, plus $3-400 in tools and equipment to help launch the business, plus materials. We ended up paying a bit under $3000 for everything. Between the labor problems and an expanding project, the price got a bit higher than either of us had anticipated.
At least the yard looks nice.
The Benefits of Ignorance
For years, we had a sweet deal with day care. We had three kids and we were the only family with three kids, so we got a bulk discount that essentially made my oldest free. Compared to the regular price, I think we were paying about ten dollars a week for him to be in daycare, which was great, since he was only there before and after school.
Then he aged out of daycare, and we lost our sweet, sweet deal.
Then the prices went up across the board.
We lost the sweet deal, and then the price went up and our youngest hit the next age bracket.
On the price sheet, the age brackets went from birth to 1, from 1 to 2, and from 2 to kindergarten. I made the mistake of interpreting that to mean that her fee would change when Baby Brat turned three, not when she turned two. I’ve been making that mistake since December when the price went up.
A few weeks ago, I dropped off the kids and forgot to pay for the week, so my wife paid when she picked up the girls. When my wife picked up the girls, she noticed that we hadn’t paid. She had no idea how much we needed to pay because she has never been the one that’s been responsible for making the payments.
Our provider added up the cost and found it was $15 per week less than we’d been paying.
When I balanced the checkbook the following weekend, I noticed that she paid less than our normal rate. We called daycare and now we’re making up for the last 17 weeks of overpayments by paying less each week. We’re paying about $65 less per week. When we’re caught up, we’ll be paying $60-75 less per month, depending on the month.
All due to sweet, sweet ignorance. Ignorance really can be bliss. Sometimes when you know what’s going on, you just assume that you’re making the right decision and you’re afraid to ask questions for fear of looking stupid. If you don’t know, and there’s nothing you should have known, and it’s possible to save quite a bit of money by just acknowledging the fact that you don’t know.
Also, lesson learned: If you’re not sure, ask! Don’t assume when there’s a chance your assumption could be costing you money.
