- RT @ramseyshow: RT @E_C_S_T_E_R_I_: "Stupid has a gravitational pull." -D Ramsey as heard n NPR. I know many who have not escaped its orbit. #
- @BudgetsAreSexy KISS is playing the MINUTE state fair in August. in reply to BudgetsAreSexy #
- 3 year old is "reading" to her sister: Goldilocks, complete with the voices I use. #
- RT @marcandangel: 40 Useful Sites To Learn New Skills http://bit.ly/b1tseW #
- Babies bounce! https://liverealnow.net/hKmc #
- While trying to pay for dinner recently, I was asked if other businesses accepted my $2 bills. #
- Lol RT @zappos: Art. on front page of USA Today is titled "Twitter Power". I diligently read the first 140 characters. http://bit.ly/9csCIG #
- Sweet! I am the number 1 hit on Ask.com for "I hate birthday parties" #
- RT @FinEngr: Money Hackers Carnival #117 Wedding & Marriage Edition http://bit.ly/cTO4FU #
- Nobody, but nobody walks sexy wearing flipflops. #
- @MonroeOnABudget Sandals are ok. Flipflops ruin a good sway. 🙂 in reply to MonroeOnABudget #
- RT @untemplater: RT @zappos: "Do one thing every day that scares you." -Eleanor Roosevelt #
Nigerian Phishing Scams
phish·ing/ˈfiSHiNG/
Noun: The fraudulent practice of sending e-mails purporting to be from legitimate companies in order to induce individuals to reveal personal information, such as credit-card numbers, online.
Have you ever gotten an email from someone claiming to be a Nigerian prince trying to smuggle money out of the country, or the administrator of the South Sudanese lottery commission?
The emails tend to be similar. You’ve won the lottery, but need to pay the transfer fee and applicable taxes before the money can be sent, and by the way, they need your checking account information to transfer the money out of your account. Or, the elderly wife of the Reverend Saint Whateverhisnameis has the entireGDPof some small African country in her bank account that her dear, departed husband stole honestly, and she needs a trustworthy soul in the States to accept the transfer and your reputation proceeds you.
Yeah, people still fall for it. It’s called Financial Darwinism. Only the strong shall retire.
Yesterday(as of this writing, not as of your reading), I got my first-ever phishing phone call.
The conversation went something like this:
Worthless scum scammer: Hello, you’re schedule to receive a delivery at10:30 this morning and I need to verify your information.
Me: What delivery?
WSS: Is this Linda, L-I-N-D-A?
Me: Yes. (Please note, I am very much a guy and clearly sound like it.)
WSS: You buy international. I’m scheduling delivery. Are you at (lists house number correctly, but no street or city).
Me: What’s getting delivered?
WSS: A brand new Mercedes.
At this point, I wanted to play, but I had to get to work, so I hung up.
Worried that I may have made the wrong decision, I called my wife to see if she made a side trip to buy a luxury car while she was running errands last week, but she said she didn’t. I’m not sure I believe her. I think that it may have just slipped her mind.
It’s worrisome that some scammer call-center in Nigeria is buying lists of potential marks in theUS and calling them. I much prefer my scammers to send emails.
Have you ever gotten a 419 phone call?
Charity
Charitable giving is down. Predictions have been that donations would be up this year, but the reality appears to be otherwise.
I have an admittedly low sample size; I don’t talk to many charities and the 2012 donation amounts aren’t out, yet. The one I do have access to says that donations this year are among the lowest in memory.
As I’ve mentioned before, I’ve been a bit busy cleaning out a hoader’s house. Last weekend, we tackled one of the stashes of toiletries. We came out with several cases of soap, shampoo, blankets, towels, and sleeping pads.
For the right charity, an unopened case of bar soap is better than gold.
When our new-found treasures were delivered to Mary’s Place, I’m told the nuns wept. Mary’s Place is a transitional housing complex attached to a homeless shelter. They were totally and completely out of hygiene products for the residents.
Something that means nothing to me meant the world to someone else. I was just looking for a useful place to dump the stuff we can’t use or don’t want to store, and I made a nun cry.*
People need so much, and so much of what they need is trivial to my family. A blanket? A bar of soap? That’s nothing…to me.
As we go through the rest of the stuff, our focus will be different. Instead of, “Can we sell this at a garage sale, or should we donate it?”, it’s going to be “Can someone get more value out of this than we’ll get by selling it?” We can sell a comforter for $5, or give it to someone who needs to stay warm in the winter.
I’ll forgo $5 for that warm fuzzy feeling.
*Check one off the bucket list.
Saturday Roundup – Holiday Edition
Merry Christmas.
Or, Happy Saturday, as the case may be.
T0day, we are herding all of my nieces, nephews, brothers, sisters-in-law, and parents into my house for a second Christmas dinner and gift exchange. It’s the first holiday we’ve hosted. It should be interesting.
On a side note, we’ve gotten so much snow, I’ve almost lost my grill, sitting on my deck. Another 2-3 inches, and my patio table will be just a white mound of cold.
Best Posts
Here is a great story about waking up the Christmas spirit. That’s spirit, not spirits. We’re not discussing booze.
Think you can retire on a million bucks? Think you can get to a million bucks?
I’ve recently realized that I’ve spent more time on the hiring side of the interview table than the out-of-work side. I’m nowhere close to 500 hires, though.
Oooh! Shopping for money! That’s something I’m going to look into. Nothing like turning habits into cash.
This is some serious travel hacking. 15 flight, 16 cities, 9 countries, 35000 miles for $400.
LRN Timewarp
This is where I review the posts I wrote one year ago.
The secret to fearless change? Just get started. Everything else will follow.
I also wrote a post about one of my core values. Without integrity, what can you really have?
Finally, a post on how distractions will kill your productivity.
Carnivals I’ve Rocked
How Much Should You Tip? was an Editor’s Pick in the Festival of Frugality. Thanks!
Shaving for Real was included in the Carnival of Money Stories.
Anchor Price Your Salary was included in the Carnival of Personal Finance.
Thank you! If I missed anyone, please let me know.
Get More Out of Live Real, Now
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That’s all for today. Have a great weekend!
Saturday Roundup
I just noticed this didn’t post on time.
There are a few ways to get more out of this site.
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Now, for the part you’ve all been waiting for…
This week’s roundup:
It’s time to buy school supplies again. Don’t let it break the bank.
Chewbacca on a squirrel, fighting Nazis.
A pizza peel with a conveyor belt. The pinnacle of pizza-making awesomeness.
Have you ever looked into the psychology of a restaurant menu?
Carnivals I’ve participated in:
Carnival of Personal Finance #267 at Beating Broke posted A Budget Isn’t Enough.
Wealth Informatics hosted the Festival of Frugality and posted Payday Loans Suck.
Canajun Finances hosted the Best of Money Carnival and posted Life Altering Lessons I Learned From My Debt.
Cheap Lo Mein
- Image via Wikipedia
I’ve never been a fan of making Chinese food. It always seems to involve ingredients I don’t stock and several hours of prep work. It’s not usually worth the hassle. Several months ago, I began to notice that, when we went out for Chinese, all of my kids had the same favorite dish: lo mein. It would be nice to be able to have the dish without having to pay restaurant prices, so I did some research and came up with a quick, easy, and cheap recipe for lo mein. It takes 3 dishes and 20 minutes.
Lo mein has 3 components: noodles, sauce, and the rest.
Noodles
I use spaghetti noodles. I leave them a bit al dente, because they will spend some time in the hot lo mein sauce, which will cook them a bit more. 1 box of noodles is enough for two meals for my family of 5.
Sauce
- Chicken broth, 4 cups
- Rice wine vinegar, 2 tablespoons
- Sesame oil, 2 tablespoons
- Red pepper flakes to taste, about 1 teaspoon
- Soy sauce, 1/4 cup
- Sugar, 1 teaspoon
Mix it all in a bowl, then wisk until the sugar is dissolved. Nuke until hot. I do this while the wok is heating up and the noodles are cooking, so the pepper flavor has a better chance to blend with the liquid.
The Rest
- Sesame oil
- Minced garlic
- 1 Onion, cut to whatever size you like
- Protein, chopped
- Vegetables, chopped
- Ginger powder, to taste
Chop everything first. When you start cooking, you will be busy cooking, not prepping.
Get the pan hot. Splash in some oil, then toss in the meat when the oil is hot. I usually use chicken, but any meat you like–or even no meat at all–will work.
When the meat is almost completely cooked, add the onions and ginger. Stir constantly.
When the onions are barely translucent, start adding the vegetables, in the order they will take to cook. You can use any vegetable you want. Broccoli, carrots, and peas work well. Whenever the grocery store has a sale on stir-fry vegetable packs, we stock up for about $2/bag. Just defrost ’em before you start cooking, so it’s possible to chop them up, and they work great. Otherwise, any vegetables you have on hand will work. Add them, and stir constantly.
At some point, toss in a spoonful of minced garlic. When depends on how much garlic you want to taste. The earlier you add it, the tamer the flavor.
When it’s all cooked, spoon in some lo mein sauce and toss to coat. Remove from heat.
Serve
Spoon the rest of the sauce over the noodles and toss. You will have extra sauce, so don’t add it all at once. You want the noodles coated, not floating.
Combine the noodles with the stir-fry and serve.
If you buy the noodles, vegetables, and meat on sale, this meal costs about $10 to make. Like I said, that’s two complete meals for 5 people, 3 of whom have adult appetites. The rice wine vinegar and sesame oil aren’t cheap, but you don’t use much, so the cost per meal is negligible.
