Live Real, Now

The no-pants guide to spending, saving, and thriving in the real world.

Search Results for: subscribe-by-email/573/budget-lesson-part-2/budget-lesson-part-1/INGDirect/shaving-for-real/anchor-price-your-salary/how-to-complain-the-squeaky-wheel-gets-the-grease

How to Complain – The Squeaky Wheel Gets the Grease

Finance

A U.S. riverboat deploying napalm during the V...
Image via Wikipedia

Have you ever been screwed by a company?  Have they sent you the wrong item, or an empty box, or left your order backordered for so long that you can’t even dispute it with your credit card company any more?

What can you do?

I know you’ve heard the phrase, “The squeaky wheel gets the grease.”  That means, he whines loudest, gets the most.  The thing is, you have to whine effectively, or you’ll just get round-filed.

Targeting Subsystems On

Who you complain to matters more than what you complain about.  The clerk at your local big-box retailer isn’t going to refund your online purchase.  You need to complain to someone who can make a decision to help you.   First, find the customer service email address.   Next, if you are complaining about a recurring service, find the retention department’s email address.  Finally, find the email address for absolutely everybody Vice-President or above for that company, including the board of directors.   Go to their website, find the email for some PR drone and figure out the format.  First.Last@Company.com or FirstInitial.LastName@Company.com or whatever.   Look up the company in Google Finance and translate everyone’s name into the email format.   You might not have the perfect list, but it should be close.

Target Locked On

Now that you know who you are about to blast, what are you going to say?   A few things to include are:

  • Your contact information.   If they can’t get back to you, they can’t make it up to you.
  • Details of the problem.  Include the date of purchase, date of delivery, and a detailed description of what actually went wrong.
  • Scanned copies of receipts.
  • Any names of anybody you’ve had to deal with, either in the original transaction or when the problem occurred, if you have the names.

Engage!

What to say, what to say?

  • Don’t be abusive.  It’s okay to be angry, and it’s okay to let them know your are angry, but swearing or threatening their lives will–at best–only get you ignored.  Worst case, threats are illegal and they can pass your email along to the police.
  • Stay brief.   It doesn’t matter that your daddy took you to Starbucks to use their free wi-fi when you were just three years old.   Don’t talk about that time the aliens abducted you or how sad you are that they never call like they promised they would.   Keep to the point.   “This is who I am.  This is what happened.  This is what I want you to do about it.”

Send that sucker out.   If you feeling particularly perturbed, send a CC to your state’s Attorney General and any possibly related regulatory agencies.   I tend to save this step for round 2.

Enhanced by Zemanta

Shaving for Real

Life

me getting ready to shave.
Image via Wikipedia

When you look at a safety razor, you see the mostly-unguarded blade.  When you look in the mirror, you see your throat and you see this blade–by definition, razor-sharp–and you realize that you are about to put a knife to your own throat.   Why?

Because shaving sucks.

For my 18th birthday, I received 2 Mach3 razors.  I used them  for more than 10 years.  It certainly beat disposable Bics, but not by much.

I liked it, but only because I didn’t have anything good to compare it to.

I’ve start using an old-fashioned safety razor.   Now, I can shave smoother and with less irritation than I ever could with a modern razor and it only takes a few extra minutes.

Why would you want to abandon modern technology to put a blade against your jugular?

Modernization isn’t always an improvement.  There is something about reaching back in time a couple of generations and doing things, not only the way they used to be done, but the way they should be done.  It’s the same feeling I get handling an old rifle or sitting in an antique car.

A real shave is 15 minutes of peace and focus. Lock the kids out of the bathroom and focus on the task at hand.  The concentration will usually give you a chance to forget about the rest of the world for just a few minutes.  This is pure meditation.

As a benefit, when you’re done, you feel refreshed and well-groomed.  It feels good to take care of yourself.

What do you need to shave like a real man?

Start slow and ease your way into it.  Put a cup in the bathroom. If you shave with a modern razor, the easiest way to improve your shave is to use hot water.      Put your shaving cream in the cup and add a bit of hot water.   Mix that up and use it to shave.  The hot foam will do wonders for your skin and the closeness of your shave.   I did that and immediately start trolling antique stores looking for a good, cheap shaving brush.

A brush makes applying your shaving cream a small pleasure. Spreading the hot foam on your face with a brush gets in on all sides of each hair, softening it for the razor.   Ideally, you want a badger-hair brush, but I’ve been perfectly happy with boar hair.   I found one at an antique store for $5.

Shortly after acquiring my antique shaving brush, I decided to go even older-school and upgraded to an old-fashioned safety razor.   I took my life, and my life-blood, in my own hands to shave for real.  I went with a  Merkur 23C Long Handle Safety Razor.   It’s a basic razor with a longer handle, because I have large hands and long fingers.   Don’t worry about getting an adjustable razor.  There’s no point.   It cost $29 at West Coast Shaving*.

You will need blades for the razor.  West Coast Shaving sells a variety pack of 45 blades for $15.    Try them all and stick with the one that works best for your facial hair.   I tend to change blades every 4-5 shaves.   More than that, and they get a bit dull and make me bleed.  I try to avoid bleeding.
Now that you’ve got a brush, a razor, and blades, it’s time to get rid of the worthless can of shaving foam. Shaving soap works much better.    You can get 3 discs of Col. Conk’s soap for $15, and they will last 6 months each, easily.    They are almost exactly the same diameter as a regular coffee cup, so guess what?  Just drop it in your cup.
That’s everything you need to shave for just $65, and of that only the blades and soap are recurring costs.  Your razor and brush will last forever.   I figure it costs me about $1 per month to shave, now.

How do you avoid killing yourself while getting ready for work?

It’s all a matter of technique.

  1. Dampen your cheeks with hot water to soften the hair.  I prefer to shave immediately after I shower.
  2. Run hot water over your brush.  Get it thoroughly soaked, then shake off the excess water.  You want it hot and wet, but not dripping.
  3. Briskly brush the soap disk until the brush picks up as much soap as it can.   It may or may not form a lather in the cup.
  4. Put the brush on your face and whisk it around.   I use a quick circular motion to build up a lather on my cheeks.   This works the hot soap into each hair.   Keep brushing it onto your face until it forms peaks.
  5. Pick up your razor.   I run it under some hot water, just so the cold metal isn’t a shock after the hot foam.   From here, you need your full attention on what you are doing.
  6. Shave.

When you are shaving there are a few things to keep in mind.

  • Take your time.
  • Never, ever, ever, ever turn the blade while it is in contact with your face.  You will bleed.   Once the blade touches your face, it goes in a straight line.
  • Keep the edge of the blade as close to parallel with your face as possible.
  • The goal is hair reduction, not removal.

I make 4 passes when I shave.  First, I shave from the top down.   Next, from the back towards my nose and mouth.   Then, from the front to the back.  Finally, I shave against the grain from the bottom to the top.    This results in a closer shave than anything I’ve ever had with a modern razor.

When I think I’m done, I dip my fingers in some warm water and run them around my face, in all possible directions, to see if I missed a spot.

When the hair is gone, wipe of the remaining cream and splash cold water every place the razor touched.   This closes the pores and will help prevent infections and razor bumps.

The last step is aftershave.    Aftershave disinfects your face.   It also prevents infections and makes you stink nice.

There you have it: the secret to a baby-butt-smooth shave and 10-20 minutes of masculine meditation.   If you are looking for a present for someone, you could do a lot worse than a real razor set.

*I have absolutely no affiliation with WCS.  I am just very happy with the service and the product.

Anchor Price Your Salary

Finance

Image by Dalboz17 via Flickr

Conventional wisdom says that, when negotiating your salary or a raise, you should make whatever crazy ninja maneuvers it takes to get the other person to name a number first.

Horse pellets.

Have you ever watched an infomercial?  Those masters of of impulse marketing geared towards insomniacs, invalids, and inebriates?

“How much would you pay for this fabulous meat tenderizer/eyelash waxer?  $399?  $299?  No!  If you call within the next 73 seconds, we will let you take this home for the low, low price of just $99.99!”

That’s the magic of anchor pricing.

The first number you hear is the number you will base all further numbers on.  If you hear a high number, other lower numbers will feel much lower by comparison.   The number doesn’t even have to be about money.

There was a study done that had the subjects compare a price to the last two digits of their social security numbers.   Those with higher digits found higher prices to be acceptable, while those with lower prices only accepted cheaper prices.

What does an infomercial marketing ploy have to do with your salary?

If you are negotiating your salary and your potential employer gives a lowball offer, every higher counteroffer after that will much, much higher than than it would otherwise.   On the other hand, if you start with your “perfect” salary, they amount you will be happy to settle for won’t seem to be nearly as high to the employer.   At the same time, you will be less likely to accept a lowball offer if you set your anchor price high.

For example, if you are looking to make $50,000:

The employer offers you $40,000.   $60,000 seems too high by comparison, so you counter with $50,000, then compromise and settler for $45,000.     Or, you could start at $60,000, making the employer feel that $40,000 is too low, so he counters with $45,000, leaving a compromise at $52,000.   That’s a hypothetical $7,000 boost, just for bucking conventional wisdom and taking a cue from the marketing industry.

How have you negotiated your salary?

Make a Budget

Finance

DSC02103
Image by r.lovewell via Flickr

In the past, I’ve gone through a detailed series of budget lessons demonstrating how to make a budget and showing my personal budget spreadsheet template.  If you weren’t here to see them develop, you probably haven’t seen them at all.    I’ve never built an actual index for those posts.

This is the master index of my budget planning resources.  As I develop more, this will grow.

Budget Lesson #1 – In this lesson, I go over how we handle discretionary income and I explain our modified envelope system.   The discretionary budget contains things like our grocery bill, or the clothes we buy.  We have near-total discretion over what is purchased, hence the name.

Budget Lesson #2 – Lesson #2 contains the details of our monthly bills.  These are the ones that are consistent, predictable, and actually due each month.  Most people take these for granted as the bills they have to pay, but it’s not true.   You can get almost all of your regular bills reduced just by asking.   You would also be surprised what you can do without, when properly motivated.

Budget Lesson #3 – This is where I explain how we deal with the non-monthly bills.  That is, the bills that have to be paid, but are not due on a monthly basis.  I also share the personal budget spreadsheet template I developed.   I am working on a few sample templates to match various imaginary scenarios.  If you’d like to be an anonymous case study, and get free help setting up a budget, let me know, please.

Budget Lesson #4 – In this lesson, I describe our “set-aside” funds for things that will need to be paid eventually, but not on a set schedule.  Sometimes, they are never actually due.   We set aside money for the parties we throw, for car repairs and for a number of other things.  A few of these items are outright optional, but they are part of what makes life fun.  You can’t make a budget without including some of the extras.

Budget Lesson #5 – This is the companion piece to lesson 2.   Learn how I’ve reduced–or attempted to reduce–each of these bills.   For the better part of two years, I called Dish Network every few months to ask for a discount.  For almost 2 years, it was granted.  Then one, day, they told me they were putting a note on our account to keep us from getting any more discounts, so I canceled.   100% discounts help us save more.

Budget Lesson #6 – This is the reduction companion to lesson 3.  These bills are harder to reduce.  Have you ever successfully gotten your property taxes lowered?

Budget Lesson #7 – This is the reduction companion to lesson 4.  Notice a pattern, yet?

Budget Lesson #8 – Here, completely out of order, is the reduction companion to lesson 1.   Watch as I magically reduce–or rationalize–our discretionary budget.

So, dear readers, what part of budgeting should I address next?

Saturday Roundup

Life

I’ve spend the last 10 days at home with my two youngest kids.   It’s been a lot of fun.   It’s amazing watching them interact with each other and seeing how their imaginations works.   It’s also been a helpful reminder that, if I don’t turn on the TV, they will happily find something else to do.

30 Day Project Update

This month, I am trying to establish the Slow Carb Diet as a habit.   At the end of the month, I’ll see what the results were and decide if it’s worth continuing.   For those who don’t know, the Slow Carb Diet involves cutting out potatoes, rice, flour, sugar, and dairy in all their forms.   My meals consist of 40% proteins, 30% vegetables, and 30% legumes(beans or lentils).    There is no calorie counting, just some specific rules, accompanied by a timed supplement regimen and some timed exercises to manipulate my metabolism.   The supplements are NOT effedrin-based diet pills, or, in fact, uppers of any kind.  There is also a weekly cheat day, to cut the impulse to cheat and to avoid letting my body go into famine mode.

I’m measuring two metrics, my weight and the total inches of my belly, waist, biceps, and thighs.   Between the two, I should have an accurate assessment of my progress.

Weight: I have lost 11 pounds since January 2nd.  This is crazy.  At least part of this has to be due to the natural swing of up to 5 pounds from day to day, and part of it is due to the fact that I was wearing jeans when I weighed in the first time and cotton pajamas this morning.  From now on, this is going to be the first thing I do on Saturday mornings, so everything is as consistent as possible.  Another factor is that I’ve cut most of the crap out of my diet for a week.  My body has been flushing garbage.  But dang!  11 pounds in a week.  I’m a bit excited.

Total Inches: I have lost 5.5 inches in the same time frame.  This is proof that it’s not just water that I lost, which is where first, dramatic losses usually originate in a diet.

The loss seems a little bit nuts.   Here’s hoping it stays consistent.

Best Posts

Your retirement account shouldn’t be an optional investment.   Do you know how to maximize retirement savings?

I’m a big fan of making extra money.   Money Crashers lists 6 sites to help you rake in the cash, without needing any special skills.

Unclutterer is giving away three Fujitsu Scansnaps.   I want one of these is a way that isn’t quite right.

I’ve been moving to LED lights instead of CFLs for a few years.  CFLs make lousy security lights in Minnesota in the winter.  They take 5 minutes to get to full brightness when it’s cold.  LEDs last forever.

LRN Timewarp

This is where I review the posts I wrote one year ago.

I posted about the difference between bribes and rewards and the problems inherent in trying to buy good behavior.

Lesson 2 of my budget series went live, detailing my monthly bills.

We made some changes to our budget plans that haven’t worked very well.   Over the course of the last year, every one of these ideas has either been partially or totally abandoned, but it’s working for us.

Carnivals I’ve Rocked

How to Complain – The Squeaky Wheel Gets the Grease was included in the Carnival of Personal Finance.

3 Things You Need to Know About Homeowner’s Insurance was included in the Festival of Frugality.

Thank you! If I missed anyone, please let me know.

Get More Out of Live Real, Now

There are so many ways you can read and interact with this site.

You can subscribe by RSS and get the posts in your favorite news reader.  I prefer Google Reader.

You can subscribe by email and get, not only the posts delivered to your inbox, but occasional giveaways and tidbits not available elsewhere.

You can ‘Like’ LRN on Facebook.   Facebook gets more use than Google.  It can’t hurt to see what you want where you want.

You can follow LRN on Twitter.   This comes with some nearly-instant interaction.

You can send me an email, telling me what you liked, what you didn’t like, or what you’d like to see more(or less) of.   I promise to reply to any email that isn’t purely spam.

That’s all for today.   Have a great weekend!

Saturday Roundup – Holiday Edition

Misc

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

There are so many ways you can read and interact with this site.

You can subscribe by RSS and get the posts in your favorite news reader.  I prefer Google Reader.

You can subscribe by email and get, not only the posts delivered to your inbox, but occasional giveaways and tidbits not available elsewhere.

You can ‘Like’ LRN on Facebook.   Facebook gets more use than Google.  It can’t hurt to see what you want where you want.

You can follow LRN on Twitter.   This comes with some nearly-instant interaction.

You can send me an email, telling me what you liked, what you didn’t like, or what you’d like to see more(or less) of.   I promise to reply to any email that isn’t purely spam.

That’s all for today.   Have a great weekend!

Enhanced by Zemanta