- Bad. My 3yr old knows how the Nationwide commercial ends…including the agent's name. Too much TV. #
- RT @MoneyCrashers: Money Crashers 2010 New Year Giveaway Bash – $9,100 in Cash and Amazing Prizes http://bt.io/DZMa #
- Watching the horrible offspring of Rube Goldberg and the Grim Reaper: The Final Destination. #
- Here's hoping the franchise is dead: #TheFinalDestination #
- Wow. Win7 has the ability to auto-hibernate in the middle of installing updates. So much for doing that when I leave for the day. #
- This is horribly true: Spending Other People's Money by @thefinancebuff http://is.gd/75Xv2 #
- RT @hughdeburgh: "You can end half your troubles immediately by no longer permitting people to tell you what you want." ~ Vernon Howard #
- RT @BSimple: The most important thing about goals is having one. Geoffry F. Abert #
- RT @fcn: "You have enemies? Good. That means you've stood up for something, sometime in your life." — Winston Churchill #
- RT @FrugalYankee: FRUGAL TIP: Who knew? Cold water & salt will get rid of onion smell on hands. More @ http://bit.ly/WkZsm #
- Please take a moment and vote for me. (4 Ways to Flog the Inner Impulse Shopper) http://su.pr/2flOLY #
- RT @mymoneyshrugged: #SOTU 2011 budget freeze "like announcing a diet after winning a pie-eating contest" (Michael Steel). (via @LesLafave) #
- RT @FrugalBonVivant: $2 – $25 gift certificates from Restaurant.com (promo code BONUS) http://bit.ly/9mMjLR #
- A fully-skilled clone would be helpful this week. #
- @krystalatwork What do you value more, the groom's friendship or the bride's lack of it?Her feelings won't change if you stay home.His might in reply to krystalatwork #
- I ♥ RetailMeNot.com – simply retweet for the chance to win an Apple iPad from @retailmenot – http://bit.ly/retailmenot #
- Did a baseline test for February's 30 Day Project: 20 pushups in a set. Not great, but not terrible. Only need to add 80 to that nxt month #
5 Ways to Reduce Temptation and Have a Peaceful dinner
It never fails: you send the kids off to the salt mine babysitter for the evening, cook a nice dinner and light some candles. Then, just as you sit down, the phone rings.
Now you have 2 choices, you can do like me and ignore the phone if it’s inconvenient to answer or you can ruin a romantic dinner. The telemarketers know that, statistically, you are home at dinner time. They don’t care if you are celebrating an anniversary or just trying to connect with your loved one.
Why not preemptively stop the irritation? While you’re at it, stop the junk mail, too. It’s not as hard as you’d think. It’s a simple, almost free process that will not only eliminate the frustration of pointless calls and sorted junk mail, but will also cut down on the temptation of seeing something shiny to buy.
Here are the four steps to a leaner, greener and romantic dinner-making you:
1. Get on all of the Do Not Call lists.
- You can get on the federal list by visiting www.donotcall.gov or calling (888) 382-1222. The tele-sales weasels will have have a month to clear you out of their systems.
- If you still get calls–some calls are still allowed, including political calls, non-profit fundraisers, and surveys–they are still required to maintain an in-house do not call list. Tell them to put you on that list.
- Many states have a Do Not Call list that is entirely independent of the the federal list. This is redundant, but the more roadblocks you put up, the better you will be.
If you are still getting calls, report them to the FTC at:
Federal Trade Commission
Consumer Response Center
600 Pennsylvania Avenue, NW
Washington, D.C. 20580
1-877-FTC-HELP
www.ftc.gov
2. Opt out of junk mail. The Direct Marketing Association manages a list of people who do not want junk mail. This list only applies to members of the association, but most mass-mailers participate. Go to www.dmachoice.org to enroll. It costs $1 to get on the list and will stop most junk mail for 3 years.
3. Opt out of pre-approved credit card offers. Go to www.optoutprescreen.com to remove your name from the lists generated by the major credit bureaus to sell to marketing firms. You can put a halt to this breed of junk for 5 years or forever.
4. Ask them to stop. If you are getting catalogs from a company with which you have an existing relationship, ask them to knock it off. Virtually every one will stop sending you garbage to ensure a continuing business relationship with you.
5. Guerrilla Warfare. If none of this works, there are still a couple of options.
- Keep an airhorn by the phone. They won’t call twice.
- Take everything you receive from a company, stuff it all in the prepaid return envelope they helpfully included, and drop it back in the mail. They only get charged for the prepaid envelopes when they are used, so use them up. It’s illegal to alter them to send mail to other people, but it’s not illegal to mail them all of their own garbage. If you cost them enough money, they will eventually back down.
Sunday Roundup
I just realized that I screwed up on Friday’s post and accidentally scheduled it for July 31 instead of July 1. Sorry about that.
I am pretty excited about tomorrow’s post. I’m going to…well, that should wait for tomorrow. It’ll be fun, though.
Best Posts
It’s a basic economic principle: If you want to sell less of something, charge more for it. That works for labor costs, too. Raising the minimum wage, especially when there is a recession, will only cause less employment.
This is a neat business idea. Sometimes, a small business wants a mailing address that isn’t the owner’s home address.
Foreign CDs seem tempting. You can make a decent return in India. Just make sure it’s a legit bank, instead of the “Cayman Island” banks that exist just to collect wire transfers from the US.
In a high-tax, high-regulation environment, the underground economy will thrive, every time. Working for cash and no paperwork can be tempting.
Here’s a sample email to help you buy a car.
Carnivals I’ve Rocked and Guest Posts I’ve Rolled
Shattering Taboos was included in the Carnival of Personal Finance.
Thank you! If I missed anyone, please let me know. I’ve been slacking off on carnival submissions lately.
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.
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Have a great week!
Hacking a NookColor
A few months ago, I picked up a NookColor. Being a geek, I immediately hacked it to run an unrestricted version of the Android operating system, allowing me access to the Google App market and, interestingly, the Kindle app. Yes, I run the Kindle app on my Nook. I also run Netflix, Dropbox, Evernote, and any other app I want.
It is, after all, my Nook.
This weekend, I’m visiting my parents, who, coincidentally, also have a new NookColor and want to be done with the slow, restricted version of the operating system that came with it.
Last night, I hacked their Nook. The site I use for the files doesn’t have instructions that work for me. It’s close, but since we’re not talking about horseshoes or hand grenades, close isn’t good enough. “Close” doesn’t get me a working Android tablet out of a $150 book reader.
So, instead of having to remember what I do every time someone asks me to help them root their Nook, I’m posting my system here.
If you want to get the biggest tablet-bang for you buck, here’s now to hack a Nook color into an unrestricted Android tablet, without voiding the warranty.
In addition to the Nook, you’ll need to get a microSD memory card, that’s at least a class 4. The classes are a measure of speed and are identified by a number in a circle on the side of the card. Don’t bother going with less than a 16GB card, and 32GB is better. If you don’t have one already, look for a card that includes and SD card adapter, because it’s easier to find a computer with a reader for those.
You will need to install Win32 Disk Imager, to prepare the memory card correctly. Most guides recommend WinImage, but I’ve never gotten that to work.
First, download the core memory card files. Use WinRar or something similar to extract the image file.
Insert the memory card in your computer. Make sure the computer is reading the card size as close to what the size you are expecting. If it’s not, you may have to reformat the card.
Fire up Win32 Disk Imager. Browse the the extracted image file, select your SD card drive letter and click “Write”. If it pops up any
warning messages, confirm them and let it run. Everything it wants to do is a good thing to have happen.
Eject the card, then reinsert it.
Next, download the latest nightly build of the CyanogenMod. The file name will be something similar to cm_encore_full-253.zip. This can be the problem step. The first time I did this, the nightly build was broken. I waited a night and tried again, but that version had a bug with the wifi. You may have to try a couple of different builds to get it to work. After you have the file, copy it, unchanged and unextracted to you memory card.
Now, take the microSD card out of your computer and stick that bad boy in your Nook. There’s a little door on the back bottom corner. Turn the Nook on and wait. It will take a few minutes for everything to set itself up, so be patient. You will see lots of text you probably won’t understand. Watch it and pretend to understand if anyone is paying attention. It’s an instant boost to your geek cred.
When it’s done, it will power off. Turn it on, and go to Settings/Wireless Networks. Set up a wifi connection, then turn the thing off and put the card back in your computer.
Do you have a gmail account? If not, get one. You can’t get into the Google Apps Market without one.
Now we’re going to install the Google Apps Market App. This is what will let you install more apps.
Go here, scroll to the bottom and download the CyanogenMod 7 version of Google Apps. Copy it to your memory card, the pop it out, stick it back in the Nook and fire it up.
When the Nook finishes loading, press and hold the power button until you get the power off menu. Select “reboot”, then “recovery”. This will reboot the Nook, installing the Google Apps file you’ve got on the memory card.
When it’s done, you’ll be walked through a wizard to set up you Apps Market account and a bunch of default settings. After that, you’ll have a complete, unrestricted Android tablet.
The best part is that, since we’re doing all of this on the memory card, it’s not voiding the warranty. If there’s a warranty problem, just pop out the memory card and send it in.
What apps should you get? I start with the Nook app, then get the Kindle app, and the Overdrive app. The Overdrive app is what lets me get books from the library system, and you won’t be able to get the desktop software to read this tablet as a Nook any more.
From there, the sky’s the limit. This is now a full computer. You even have the option of turning on the built-in, but disabled-by-default bluetooth, which will let you use an external keyboard.
Beats a netbook by a mile.
Say Please
This is a guest post/reader story from a good friend of mine.
Greetings,
As a long time reader of Live Real Now, I’ve enjoyed the advice and the step by step, “I’ve been there” advice from Jason. Sadly, until now I haven’t really taken much of it. It was too much work. It was too hard. But the recent “Future Me” post really struck home so I looked for something that should be easy.
What I found was the concept of “Call and Ask”. I took a look at all of my accounts and utilities to decide which ones I was willing to change, drop, or reduce. The two I came up with were Dish Network and CenturyLink DSL.
My plan was simple:
- Look for their introductory offers
- Compare to my current price
- Call
- Ask if existing customers are as important as NEW customers
- Finally, be nice!
I started with CenturyLink since I needed to call them for a new modem in anyway. We’ve been with CenturyLink for years and I’ve been paying $34.99 for slow DSL and using it a couple times a week to work from home. Their new customer promotion is $19.99 for the faster service. I’d love to give you my script but I don’t entirely remember what I said. I believe I asked if they would extend the new customer rate to me and for how long. I know I pointed out that I would be out 3-5 days of internet service so now was the time to start trying to lower my bills. The customer service rep was actually pretty cool about it.
“Let me look at your account. We can offer you that rate for 12 months. After that the rate will be $54.99.”
That seems like a short term win for a long term loss, right?
His followup comment was golden: “Call us back in 12 months and see what specials we can offer you then.” So I went into Google Calendars and set myself a reminder 10.5 months from now.
Net effect: $15/month saved.
Next step: Dish Network.
We’re getting the Family Package which is already pretty inexpensive for Dish. Looking around, the new subscriber price was $5 less.
Same plan.
“Hello, I’m a long term subscriber. I see that you’re offering new subscribers the same package for less. Could you extend that offer to me?”
Same response… “Sure, you can have a $5 discount for 6 months.” Again, I set a Google Calendar reminder, this time for 4.5 months out.
Net effect: $20/month saved.
Can this go farther?
I recently purchased 3 pairs of F.O.M work jeans from Duluth Trading Company. Yes, they’re expensive, but they fit and last a long time. I’m not a small guy. (Ed. Welcome to the club!) Anyway, at the time their sale looked good: $10 off each pair when you order 3 or more. Coincidentally, I was down to a single pair after a deer hunting accident. (Don’t tie your jeans into your boots while field dressing a deer. You’ll stretch and then things get a bit breezy.) With $5 shipping, I saved $35 on that order for jeans I needed anyway.
I thought I’d done pretty well.
Fast forward to today where I see 20% off on everything and free shipping. And they’re still offering the $10 off deal I already used. I called Duluth Trading Company, and explained I was VERY happy with their pants and enjoyed the sale but was wondering if they’d please extend the 20% off sale to my prior order since it was so recent.
$23.70 back in my account.
Easy as pie and a polite: “Thank you for offering us the chance to make you happy with the transaction, sir.”
So, 3 nice phone calls, net effect:
Immediate: $23.70 in my pocket
Short term: $30 savings over the next 6 months
Long Term: $180 Savings over the next year
Total Savings: $233.75 for 15 minutes work
Link Roundup
Wrestling season is finally over. Q1 is always such a busy time in my house. Now, spring has sprung and it’s time to start enjoying the weather.
On to the links.
Finance:
Here’s an intro guide to settling IRS debts.
Only someone who’s never had to deal with the full default process could think this was a good idea. The Department of Education outsources its collections for a reason. Eliminating private lenders will raise the students’ costs and eliminate options for troubled debtors. Yes, I worked in the industry for several years.
The Guide to Buying Glasses Online. I currently have 6 pairs of glasses that cost me a grand total of $150, with no loss in quality.
PenFed: Credit cards done right.
Not finance:
This is the coolest picture I’ve seen this year. Space pics for under $1000. NASA could take lessons, I think.
I miss the days when napping was possible.
38 Random Acts of Robyn. I’m thinking about incorporating this as a 30 day project.
Lawdog has a great idea to fix the problems with our legislature. It’s a beautiful Constitutional Amendment. If they have to play by the rules they set, the might start setting better rules.
“Only excepting such limited protection as offered by Article One, Section Six, Congress is hereby prohibited from exempting its Members from each, any, and all effects, duties or obligations rendered upon any citizen, or citizens, by any Law, Tax, or other action passed by Congress.”
