- I miss electricity. #
- @prosperousfool Do you still need a dropbox referral? in reply to prosperousfool #
- @prosperousfool Dropbox: https://www.dropbox.com/referrals/NTE1Mjk2OTU5 in reply to prosperousfool #
- Don't let anyone tell you otherwise: Electricity is the bee's knees, the wasp's nipples and lots of other insect erogenous zones. #
- @prosperousfool Throw in a Truecrypt partition and the PortableApps launcher and it gets really neat. in reply to prosperousfool #
- @prosperousfool Universal accessibility. I put an encrypted partition on it so any receipts or credit card info or login info would be safe in reply to prosperousfool #
- RT @untemplater: RT @jenny_blake: Deep thought of the day: "How people treat you is their karma; how you react is yours." -Wayne Dyer #quote #
- @FARNOOSH So what's happening to the one good show on SOAPNet? in reply to FARNOOSH #
- RT @flexo: RT @mainstr: 1 million Americans have been swindled in an elaborate credit card scam and they may not know http://bit.ly/cr8DNK #
AAA – Save Some Cash
- Image via Wikipedia
Have you ever driven off the road at 100 miles per hour into a grove of trees at midnight, only to have 2 cops and your father spend 2 hours looking for your car with high-powered spotlights? Let me tell you–from experience–that a free two will, in fact, make that night a little bit better.
Enter AAA.
At its most basic level, AAA is just a roadside assistance service. If your car breaks down, you lock your keys in, or run out of gas, you call AAA from the side of the road and they send a hero at any time of day or night. I’ve used the service to get a car pulled out of an impound lot and out of a ditch. They’ve helped move broken-down cars from my driveway to the mechanic.
We pay $85 per year for the basic service, which includes 5 miles of towing, up to 4 timers a year; lockout service; gas delivery; “stuck in a ditch” service; free maps, trip planning and trip interruption protection. Higher membership levels boost those services and include things like free passport photos, complimentary car rental when you use the tow service, concierge service and more.
I’ve been a member since I got my driver’s license at 16, and over the years, just the roadside assistance has paid for my lifetime of membership several times over.
But–as the man said–wait, there’s more!
They certify mechanics. Not for skill, but reputation. It’s harder to get screwed by a AAA mechanic.
Then there are the discounts.
Most chain hotels, some oil-change shops, and a lot of car-rental services have AAA discounts. Combined with the trip planning, the discounts can easily pay for themselves, if you travel even once a year.
There are also discounts at a ton of restaurants and attractions, sometimes adding up to savings of $50 or more. I don’t think I’ve ever had a year where AAA didn’t pay for itself, and I don’t even use the services efficiently.
For example:
- 10% off Target.com
- Discounts on Magellen GPS units
- Theater(stage and screen) discounts
- Discounts on minor league baseball and college football tickets
- Prescription savings plan
- $3 of at our local for-profit aquarium
- 10-30% discounts from Dell
- 5% off at UPS
- 20% off at Sirius Satellite Radio
- 10% off PODS(hoarders take notice!)
- 10% at Amtrak
- Up to $200 off at DirecTV
- A crapload more
I know I sound like a salespitch, but they didn’t pay for this post. I’m just a happy customer.
Do you use a roadside assistance or a discount-from-a-million-places membership?
Getting Back on Track
Have you ever set a goal…and failed?
At some point, it happens to all of us. After all, our reach should exceed our grasp, right? That doesn’t make it easy to admit failure, or to correct it. Did you let a New Year’s resolution lapse, or slip off of a diet? Have you started shopping indiscriminately again, or stopped going to the gym?
It’s okay if you did, but it’s time to fix it.
How can you get back on track after failing a goal?
1. Pick a day to start over.
Just like when you first started towards your goal, you have to decide when you’re going to get back on board. If you can’t decide, just pick the beginning of the next month. A new beginning is a great time to tackle your new beginning.
2. Recommit.
You failed once. Accept it and move on. Past behaviors don’t have to be an indicator of future performance. Just do better this time.
3. Announce it.
Somebody has noticed that you aren’t on the wagon. Your coworkers are seeing you eating candy, or your spouse has noticed you buying things you don’t need. Talk to these people. Tell them you’re going to redo the things you’ve undone. You’ll change the world, but you have to start with yourself.
4. Don’t be ashamed of your lapse.
Unless I have seriously misjudged my audience, you are human. Humans sometimes make poor decisions. Being ashamed won’t help you, but take the opportunity to learn from the past. Do you know what caused you to fail? Are there triggers to your behavior that you can avoid this time around? When I quit smoking, I tried to avoid rush hour, because I smoked heavily while I drove and I wanted to avoid being in car for as long as possible, minimizing one of my triggers. What cause your lapse, and can you avoid it?
5. Don’t do it again.
This one should be the most obvious, but the fact that it’s a problem means it’s not. Do whatever it takes to not make the same mistakes and uphold your goals. Don’t smoke. Don’t eat garbage. Exercise more. Whatever you’ve decided to do or not do, do it….or not.
Have you missed a goal? How have you picked it back up?
Annual Fees: Scam or Service?
Annual fees. For a lot of people, this is the worst possible thing about a credit card. That’s understandable, since paying interest is voluntary. If you don’t want to pay it, you just need to pay off your balance within the grace period. Annual fees, on the other hand, get paid, whether you want to or not, if the are a part of your credit card.
When I was 18, I applied for a credit card that raised an undying hatred of Providian in my heart. I was dumb and didn’t read the agreement before applying. When I got the card, I read the paperwork and nearly made a mess of myself. It had a $200 activation fee, a $100 annual fee, a $500 limit, a 24% interest rate, no grace period, and a anthropomorphic contempt for all things financially responsible.
Yes, you read that right. The day you activate the card, you are 3/5 maxed and accruing interest at rates that would make a loan shark blush like my grandma is a strip club. Instead of activating, I cancelled the card and ran away crying. It was a mistake but didn’t cost me anything.
In exchange for all of that, I got…nothing. The card offered no services of any kind in exchange for the annual fee.
On the other hand, I have a card with an annual fee right now. It’s $59 per year, but it offers value in exchange.
This card’s basic offering is a 2% travel rewards plan. With most of our spending on this card, we’ve managed to accumulate $400 of rewards, so far, counting the 25,000 bonus miles for signing up.
In addition, it offers 24 hour travel and roadside assistance. The roadside assistance itself will pay for the fee, because I think I’ll be canceling my AAA account after 16 years. The card’s plan isn’t as nice, but I haven’t been using the AAA emergency services for the past few years, anyway.
It extends the warranty on anything I buy. It includes car rental insurance and concierge service. Concierge service is sweet. Need reservations for dinner? Call the card. Need a tub of nacho cheese? Call the card. Need a pizza? Well, call Zappos.com.
All in all, the card is paying for itself a couple of different ways, so in this case, the annual fee is definitely worth it. I guess there’s a serious difference between Capital One Venture and Providan Screwyou.
How do you feel about annual fees? Love ’em, hate ’em, have a card with one?
FINCON Friday
When this goes live, I’ll be on the road to the Financial Bloggers Conference outside of Chicago. That translates to a day off here.
Monday, I’ll be back with a whole bucket full of bloggy goodness.
Little Monster Late Fees
Last week, I paid a late fee to daycare. I neverpay daycare late.
Except last week.
As I’ve said before, I work 80 hours a week.
For the last couple of weeks, my three year old has decided that she needs to sleep in every morning. No getting up at 6:30 for her. No way. That little prima donna wants to lounge in bed until 8, then watch a movie while eating breakfast in bed. She’s never gotten that treatment, so I don’t know why it’s become her goal.
Last week, she decided to throw a tantrum when I woke her up.
Followed by a tantrum when I reminded her she doesn’t get to wear diapers during the day.
Followed by a tantrum when I dared to pick out clothes that didn’t have horses, or didn’t look right, or weren’t sweats, or weren’t picked out by Mom, or this, or that or….
I’ve been the one to get her ready almost every morning for 3 years and she has never been catered to that way.
Me: overtired, with 1000 things on my mind.
Her: diva training, trying to wake up.
Her sister: teasing, asking questions, and generally doing her best to stand under my feet.
Her brother: gets himself ready, but tries to avoid combing his hair before school, and can’t be relied on to put on clean clothes.
Me: overtired. Juggling getting three kids and myself ready to leave. 1000 things on my mind.
Daycare: What check?
She finally got paid on Thursday. Over the 12 years we’ve had kids there, we’ve paid late maybe 5 times. I hate late fees.
What’s the fix?
Checklists don’t work for me, when I’m rushing around. I tend to ignore them while I’m herding children.
Selling the monsters to the gypsies is out. They are far too difficult to succeed working in the salt mines.
We need to start picking out clothes the night before, to short-circuit most of the tantrum. We also need to enforce bedtimes better, but that’s hard to do Sunday night if they are allowed to nap too long on Sunday afternoon, which happens when I nap with my kids on Sunday afternoon.
Maybe the best solution is to switch schedules with my wife. I’ll go in to work between 6 and 7. She can herd monsters while trying to get ready for work.
