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The no-pants guide to spending, saving, and thriving in the real world.
A few weeks ago, I discovered the queue at my public library’s website. The process is simple: Select your books, wait a few days, then pick them up. They are available from any library in the county, delivered to my local library. That’s awesome. Much more convenient-and cheaper-than Amazon.
So I moved a couple of pages of my Amazon wish-list into the library’s queue.
I must not have been thinking, because two days later, I got an email telling me that 19 books were ready to be picked up and 10 more were in transit.
In this county, each checkout is good for 21 days. For items that don’t have a waiting list, you can reserve 3 times. That’s 12 weeks for 29 books. Hopefully, I’m up to the challenge. Please keep in mind, I’m a father of three, two of whom are in diapers, and I’m married, and I have a full time job.
I have frugally blown every second of spare time for months.
Update: This was another post written in advance. When all of the books came in, I suspended my request list. Little did I realize, the suspension cancels itself after 30 days. That was 30 more books. Whee!
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.”
How often do you examine the return on your investment of time and money? A dear friend once spent 3 hours in the waiting room of an auto shop to save $15 on an oil change. When I asked, she refused to sit quietly in the corner for an hour in exchange for $5. That’s an inefficient exchange of time for money.
Last week, a close relative spent $2000 repairing a car that’s worth about $500…after buying the replacement car. That’s a poor exchange of money for value.
Why do people make decisions like that? They seldom take a look at the values being traded. My friend knew she would have to work to replace the money she wouldn’t have saved, but didn’t think about the time she could never get back. My relative was emotionally fixated on the sunk costs of the repairs she had already put into the older car and couldn’t bear the thought of losing that “investment”. Neither was an example of rational decision-making, but rather a case of allowing emotions to rule. [Read more…] about ROI for Life
So the record companies, the movie studios, the obsolete media, and some large software companies want the ability to nuke a website from orbit if they find any of their intellectual property there.
Or a hint of their intellectual property.
Or, “Oops, I guess that wasn’t ours. How much business did you lose during the 6 month appeal of a non-judicial takedown?”
Pure crap.
I’m not saying that from the perspective of some junior high pirate watching free porn in his parents’ basement. Intellectual property is the basis of my livelihood. I am a Microsoft Certified Professional; a software engineer. I am a blogger; a writer. I am a web developer; again, pure IP.
Giving private companies the right to arbitrarily take down sites for what may or may not be an actual violation is absurd.
Over the last few years, a law firm called Righthaven(spit!) has been teaming up with news agencies around the country to extort fees out of websites–generally small sites–for violating their copyright. Most of those cases involved individual users–not owners–posting fair-use snippets of articles. Since the cases were filed in Nevada, it would have cost more to fight the suits than to simply pay the blackmail, typically $5,000-$10,000.
Now, add the ability to threaten to administratively shut down the site if settlement isn’t made in 24 hours. That eliminates the ability to consult with an attorney, undermining the legal system completely.
All because once-successful companies can’t cope with the current world.
I’m not a fan of piracy. I enjoy buying movies because that encourages the people who made them to continue to make movies. The delivery system sucks.
Netflix has developed a successful business model out of making it easier to watch movies legally than to pirate them. For $8/month, you can watch as many movies as you’d like. If you have a $50 Roku, or any number of other devices, you can watch right on your TV. Add another $8/month to that, and you can get new DVDs delivered right to your door. For less than $20/month, they are delivering licensed, legitimate content and making a profit doing so.
How did the movie companies respond?
Did they increase the availability of their libraries, to get more wanting-to-be-honest customers paying a small fee to watch their content?
Of course not. They reduced the instant library and extended the amount of time before they would license new movies for rental. They made it harder to get their content legitimately, which increased the amount of piracy.
Now, since Plan A is biting them in the ass, they are pushing for yet more legislation to salvage their failed business models.
Here are three options for watching movies I don’t own:
Through the magic of Amazon Instant, Netflix Instant, or any of the magical Roku channels, I can…
I am not recommending illegal activity. This is for the sake of example, only.
On top of that, I’m told I’m a pirate if I back up my movies for archival purposes. Or if I rip my movies to my network to allow me to watch them conveniently. I’m told that I’m merely licensing the content of the disc, but if the disc fails, I have to buy a new one. I can’t just download the content again.
This is a failure, and it isn’t a legislative failure.
The companies that are embracing modern options are succeeding, and will continue to do so. The companies that refuse, at the expense of their potential customers, will sink.
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:
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?