- RT @bargainr: Life in North Korea is absolutely dreadful http://nyti.ms/dAcL26 #
- RT @bitfs: Weekly Favorites and Gratitude!: My Favorite Posts this Week Jeff at Deliver Away Debt threw together the .. http://bit.ly/9J0gGo #
- @LiveRealNow is giving away a copy of Delivering Happiness(@dhbook). Follow and RT to enter. http://bit.ly/czd31X # #
- Baseless claims, biased assumptions, poor understanding of history. Don't bother. #AnimalSpirits #KeynesianCult #
- RT @zappos: Super exciting! "Delivering Happiness" hit #1 on NY Times Bestseller list! Thanks everyone! Details: http://bit.ly/96vEfF #
- @ericabiz Funny, we found a kitten in a box last week. Unfortunately, it was abandoned there, not playing. Now, we have a 5th cat. in reply to ericabiz #
Phone Insurance
Thursday, at parent/teacher conferences, I sat on my phone and broke the screen.
Not just the glass, but the LCD.
Not a problem. I pay for Sprint’s repair plan.
Little did I know that Sprint–in their infinite #$!$%#$%–considers a phone unrepairable if there is more than one crack on the screen. That effectively means that any broken screen is a total loss.
It’s good to know my $4/month has been wasted.
Other than a phone I had stolen last year, I still own every phone I’ve ever owned. None have had water damage or anything catastrophic happen to them, so I didn’t get the replacement side of Sprint’s insurance plan.
To summarize:
- I broke my phone in a way that Sprint won’t fix, even though I pay for the fixit plan.
- My phone costs $600 when you aren’t signing a new contract.
- My phone has the most expensive LCD to replace at the moment.
The Total Equipment Protection program costs $11 per month. Given my history, that’s a waste of $11, though it would actually be a waste of $7, since I have been happy to pay $4 for the repair plan.
$7 per month since I got my first smartphone in about 2008, means I’ve saved $420 in insurance fees I haven’t used.
Today, I paid $298 to replace the LCD on my phone. That includes overnighting the part to the shop since it’s not stocked and I’m leaving town tomorrow.
An insurance claim from Sprint comes with a $150 deductible.
All told, I’m $270 to the good.
Would I get the insurance if I were signing papers today?
Probably not. A $7 monthly bill doesn’t hurt, while a $300 surprise does, but that’s why I have a repair fund.
Do you have insurance on your phone? Have you used it?
The Story of Sammy: Complete
This is the complete collection of the Story of Sammy. Sammy is a guy I met after my mother-in-law died in the spring of 2012. My wife and I decided to help him launch a….
Read the stories. It’s better that way.
Part 1, in which we meet Sammy, learn of his dreams and offer to help.
Part 2, in which Sammy jumps into business with both feet, teaching teenagers the value of work.
Part 3, in which Sammy shows us what crackheads and the homeless can accomplish if given the chance.
Part 3.5, in which…holy drama, Sammy!
Part 4, in which I am disappointed.
Property Managers
As of last Monday, we don’t have any tenants in our rental house.
That makes me sad.
It makes me sadder that we were too nice and gave them an extra week free to get their stuff moved out.
Now we get the fun job of painting, replacing the linoleum, and probably cleaning the place up to get it ready for new renters that we haven’t found yet.
New renters.
Ick.
Now, we could put an ad on Craigslist and try to find renters ourselves.
Background checks.
Credit checks.
Interviews and walk-throughs.
Then, when we find someone, we’ll be collecting rent and dealing with any whiny issues that come up.
Yuck.
Or….
We can hire a property manager. The big name property management company in our area charges a $99 set-up fee plus $80 per month.
That covers:
- Rent collection
- Coordinating maintenance
- Accounting
- All of the other mundane details
If we add on the tenant-finding service, we’ll be paying them one-month’s rent, but they’ll handle the showings, advertising, background checks, and the lease. And their average tenant placement is 19 days. Another house in the neighborhood that used them had the house rented in about a week.
That moves our landlording firmly into the passive side-hustle category and all it costs us is (essentially) one and a half month’s rent with the added bonus that we’ll be asking the right amount for rent according to the market, instead of guessing. Our last tenants were probably paying $300 too little.
I think the property managers are the way to go, but I have absolutely no experience here.
Have any of you used a property manager? Was it good? Bad? Hell-on-Earth?
Link Roundup
Doctor appointments, speeding tickets and too much work. That’s what this week has been made of.
Finance links:
Why do the non-politician folks who want taxes raised think a fund for voluntarily paying extra is stupid? If they were sincere, they’d be contributing to that from the start. As it is, it’s just a demonstration of either hypocrisy or a looting spirit.
Paying off your Visa by charging it on…your other Visa doesn’t accomplish anything for you or for Visa. Even if you are GM and Visa is the federal government.
My wife and I are thinking of starting a potluck/boardgame night. Boardgames are a cheap way to spend a fun evening.
Misc links:
The iFixit Blog. Dedicated to teaching you how to fix your own gadgets.
I am not only a geek, I am a Halloween geek. The Stationery of Horror is full of want.
The Pareto Principle works. Even at work. I get 80% of my value from the time I spend writing blog posts. Err. Nevermind.
Be Happy With What You Have…
…or you will never be happy.
A newer car, a bigger TV, a nicer house, a fancier phone, better tickets, more friends, more gadgets, more toys…more, bigger, better…whatever.
It’s all a disappointment.
Nothing on that list will provide happiness. If that is your goal, you will spend your life miserable. It’s not possible to buy happiness, either directly or indirectly through the accumulation of “stuff”. A purchase may fuel your ego or trigger endorphins, but it is all temporary. There’s no sustainable happiness in the “high” of the latest purchase.
The search for stuff pales in comparison to the search for meaning. Find your passion and follow that. Chase that to the ends of the earth, and come back feeling fulfilled. Feel something that will last longer than the drive home or the next product release.
Find contentment. At some point there is a satisfying level of “enough”. More than that, you feel empty. Less, envious. Find enough and stop there. Find the level that allows you to do the things you need to do and some of what you want to do. Find your balance point and be happy with it.
Living life constantly disappointed that you don’t have more is a sure way to live life disappointed. How do you find your balance point?
Also, have you started the Happiness Challenge?
