- Screw April Fool's Day. I'm about ready to clear my entire feed queue. #
- I definitely need a reason to get up at 5 or I go back to sleep. #
- Bank tried to upsell me on my accounts today…through the drivethru. #
- Motorcycle battery died this morning. Surprise 4 mile hike. #
- RT @ramseyshow 'The rich get richer &the poor get poorer' is true! Rich keep doing what rich people do & poor keep doing what poor people do #
- RT @ramit: "How do you know if someone is a programmer?" I cannot stop laughing imagining half my programmer friends – http://bit.ly/9MOipi #
What’s In Your Wallet?
- Image via Wikipedia
Seeing Crystal play copycat made me want to play, too.
This won’t take long. I quit carrying a wallet a few months ago in favor of a Slim-Clip. That helps eliminate wallet clutter.
Here goes nothing:
- $0. I usually carry a $150 or so all the time. I haven’t made it to the bank in a few days, and I spent my last $7 on parking.
- USBank Flex Perks VISA check card. 0.5% back on all purchases and, theoretically, up to 25% back on some.
- Penfed Platinum Cash Rewards VISA card. 1% on everything, 2% on groceries, 5% on gas. We don’t use this much, since we are primarily a cash family.
- Driver’s license.
- My health insurance card.
- Wells Fargo VISA debit card for my business account.
- Expired health insurance card.
- Car insurance cards. Car, truck, and motorcycle. 1 expired and 1 valid for each.
- AAA card.
- Carry permit.
- Business cards for 2 attorneys.
- Dental insurance card.
If I go through the rest of my pockets, I have a pocket knife, 16 cents, a Gerber Artifact, and my library card.
Including my jacket pockets will add a Cold Steel Sharkie, business cards, a lighter, another pocket knife, a fingernail clipper, a small moleskin notebook, a ticket to Evil Dead: The Musical and matching brochure, a pad of checks, hand-sanitizing wipes, and a diaper to the list.
Now that I’ve gone through my stuff, I threw out the expired cards. My jacket will certainly accumulate more stuff over the winter, but it’s spent the last 6 months in the closet.
What’s in your wallet?
Allowance
This article on the Simple Dollar discusses raising kids to be financially responsible.
My wife and I have a goal to raise our kids to be more financially responsible than we have ever been. We are currently digging out of a financial hole we dug ourselves, which is a situation we hope our children never see.
Make Extra Money: A Niche Site Walkthrough
Make Extra Money Part 1: Introduction
Right now, I have 7 sites promoting specific products, or “niche” sites. When those products are bought through my sites, I get a commission, ranging from 40-75%. Of those sites, 5 make money, 1 is newly finished, and 1 is not quite complete. I’m not going to pretend I’m making retirement-level money on these sites, but I am making enough money to make it worthwhile.
Make Extra Money Part 2: Niche Selection
These three topics have been making people rich since the invention of rich. Knowing that isn’t enough. If you want to make some money in the health niche, are you going to help people lose weight, add muscle, relieve stress, or reduce the symptoms of some unpleasant medical condition? Those are called “sub-niches”.
Making Extra Money Part 3: Product Selection
My niches site are all product-promotion sites. I pick a product–generally an e-book or video course–and set up a site dedicated to it. Naturally, picking a good product is an important part of the equation.
Make Extra Money Part 4: Keyword Research
If you aren’t targeting search terms that people use, you are wasting your time. If you are targeting terms that everybody else is targeting, it will take forever to get to the top of the search results. Spend the extra time now to do proper keyword research. It will save you a ton of time and hassle later. This is time well-spent.
Make Extra Money, Part 5: Domains and Hosting
In this installment, I show you how to pick a domain name and a website host.
Make Extra Money, Part 6: Setting Up a Site
A niche site doesn’t amount to much without, well, a site. In this installment, I show you how I configure a site, from start to finish.
Make Extra Money, Part 6.5: Why I Do It The Way I Do It
Several people have asked me to explain why I use the plugins and settings I use. This explains the “Why” behind Part 6.
More to come….
Delayed Gratification, Take II
How much would you pay for a kiss from the world’s sexiest celebrity?
That was the focus of a recent study that I can’t find today. There is no celebrity waiting in the wings to deliver the drool, and the study doesn’t name which celebrity it is. That’s an exercise for the reader.
This was a study into how we value nice things.
The fascinating part of the study is that people would be willing to pay more to get the kiss in 3 days than they would to get the tongue slipped immediately.
Anticipation adds value.
Instant gratification actually causes us to devalue the object of our desire.
This goes well beyond “Will you respect me in the morning?”
The last time I talked about delayed gratification, it was in the context of my kids. That still holds true. Kids don’t value the things that are handed to them.
The surprising–and disturbing–bit is that adults don’t, either. If I run out to the store to buy an iPad the first day I see one, I won’t care about it nearly as much as if I spend a week or two agonizing over the decision.
The delay alone adds to the perceived value. The agony turns the perceived value into gold.
If I spend a month searching for the perfect car, the thrill of the successful hunt adds less value than the time it took to do the hunting.
Here’s my frugal tip for today: Delay your purchases. While it may not actually save you any money, you will feel like you got a much better deal if you wait a few days for something you really want.
Does Amanda Bynes Need a Conservatorship?
The publicly documented downward spiral of Amanda Bynes may be reaching its breaking point. She has been on psychiatric lockdown for the past three days, and her parents are petitioning for conservatorship in California
on the grounds that they believe she is suffering from acute schizophrenia. They claim that the troubled starlet is unable to make safe decisions regarding her own well-being, not to mention the safety of others. The issue is complex, but the former childhood star has demonstrated that she meets the criteria to have external guardians instated to protect her from unpredictably irrational behaviors.
This development is the latest in a long saga of antics for Bynes, and the recent news report inserts a tragic twist into her somewhat comedic downfall. She had a pristine public persona only a year ago; however, at this time, she was caught publicly smoking marijuana. No one expected this incident to escalate, and it was treated like an innocent youthful infraction; however, the act recently turned criminal when she was reported for smoking in the lobby of her apartment complex.The comedian ran from the arriving police officers, and hurled a large cannabis apparatus out of a skyscraper window. The water-pipe was never found, but it presumably shattered upon impact. Bynes was incarcerated by the New York Police Department. During this time, the actress accused law enforcement of sexual assaulting her in a very lewd manner. Her absurd claims were never substantiated. The case against her is pending, and she has been evicted from her residence.
This was not the first criminal case against Bynes; she is also dealing with hit-and-run allegations in California. It was also not her last interaction with the police. Most recently, the actress doused an elderly woman’s driveway in gasoline and set it ablaze. She accidentally covered a puppy in the flammable liquid, so she ran down the block looking for something to save the animal from catching fire. After ransacking a convenience store, officers accosted her. The exchange resulted in the psychiatric hold that has been placed on Bynes.
Unfortunately, grounds for conservatorship can be exceedingly challenging to meet. Clear proof of mental illness needs to provided, and the standards are rigidly strict; however, if anyone has showcased the fanatical craziness that constitutes a lack of personal responsibility, it is Amanda Bynes.
Her schizophrenia is no longer dormant. The actress has become obsessed with plastic surgery, and she has deformed her face with cheek piercings. She uses online social networks to decry public figures for their ugliness. Victims of this attack include even Barack and Michelle Obama. Furthermore, she makes offensive sexual remarks towards rappers, and she wants to be a hip-hop artist herself. She has spent fortunes on a wig collection, and she employs a different style at every court appearance. The actress even used one as a disguise for an incognito trip to a trampoline emporium.
Anyone that has seen her Nickelodeon program would not be shocked to learn that she was schizophrenic. The role had her switching between dozens of identities for different skits, and she even played a character that was, in effect, obsessively stalking the star herself. “The Amanda Show” was neurotically fast-paced. Ultimately, the entire program can now be viewed as an eerie foreshadowing to the budding of a latent psychological disorder. If the legal standards of insanity are not met, then she will be free to wreak havoc on herself and others.
