- 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 #
How to Save Money On Anything
There is a little-known secret to saving money on almost anything. If you want to know what it is, please send a case of beer and a self-addressed, stamped envelope to my house.
No takers?
In that case, I will share the secret that has been passed down from father to son since the Mesopotamians landed the Santa Maria at Plymouth Rock.
Ready?
The secret is to…ask.
That’s right, just suck it up and say “Pretty Please”.
How does it work?
In the easiest version, you call up one of the companies you pay regularly and you say “How can I save some money?”
Allow me to give you some examples.
How to save money on insurance
Call up your insurance company and ask, “How can I save some money with you?” You may be offered a multi-line discount if you let them insure your home and your car or you might be told to raise your deductible. If you have a $1000 emergency fund, you can afford a $500 deductible. They may recommend that you drop some coverages that you don’t need or they may ask you some questions that will allow them to lower your rate. For many years, I lived 2 miles from work and got a discount for the low mileage.
How to save money on utilities
When you call your electric company to ask the magic question, they may offer to conduct a home energy audit to determine where you home is leaking energy. If they try to charge you for the audit, remind them how long you’ve been a customer in good standing.
Another option they may offer is to install a remotely-triggered switch on your air-conditioner. Around here, that switch is good for a 15% discount off of my bill in the summer.
How to save money on your cell phone
If you are out of a contract or near the end of your contract you have leverage. Look up the best comparable deal from another company. Then, call your cell phone provider, ask to be transferred to the retention department, then ask them to convince you to stay. They will.
If you aren’t near the end of your contract, you can still call and ask. If that doesn’t work, watch the mail and any emails from the company. If they change the terms of your contract, you can get out of it without paying a penalty. If you get that opportunity, call and ask for the retention department.
How to save money on credit cards
I am assuming you have a credit card with a balance that gets carried from month to month.
Credit card companies are competitive. Find a competing deal and call your company. Ask them to beat the deal. If the competitor is offering 9%, ask for 8%. If they refuse, call up the competitor. Tell them you will transfer your balance over if they will waive the transfer fee. A surprising number of companies will be happy to do so.
Most bills can be reduced in some way. All you have to do is ask.
Have you had any luck pointing the shrink ray at your bills?
Family Bed: How to Make It Stop
baby on the cheek.” width=”300″ height=”199″ />For years, my kids shared my bed.
When my oldest was a baby, I was working a graveyard shift, so my wife was alone with the baby at night. It was easy to keep a couple of bottles in a cooler by the bed and not have to get out of bed to take care of him when he woke up once an hour to drink a full bottle.
Then he got older. And bigger. And bigger.
We tried to move him to his own bed a few times, but it never worked well. He’d scream if we put him in a crib, so we got him a bed at 9 months old. That just meant he was free to join us whenever he woke up. Brat.
We finally got him to voluntarily move to his own bed after his sister was born. Shortly after she was born, I woke up to see him using her as a pillow. To paint the proper picture, this kid is 5’9″ and wears size 12 shoes. At 11. When I woke him up to tell him what he was doing, he decided to sleep in his own bed.
Method #1 to get your kids in their own bed: Have kid 1 try to crush kid 2 and feel bad about it.
Method #1 isn’t a great solution.
Soon, baby #3 showed up and we had 2 monsters in bed with us again. Once they started getting bigger, it became difficult for the 4 of us to sleep. We tried to get them into their own beds. Unfortunately, even as toddlers, my kids had a stubborn streak almost as big as my own. Nothing worked.
Eventually, they got big enough that I was crowded right out of the bed. At least we had a comfortable couch.
Sleeping on a couch gets old.
When the girls got old enough to reason with, we had a choice: We either had to find a way to convince them they wanted to sleep in their own room, or we had to have a fourth brat for them to attempt to crush at night.
We went with bribery. Outright, blatant bribery.
We put a chart on the wall with each of their names and 7 boxes. Every night they slept in their own beds, they got to check a box. When all of the boxes were checked, they got $5 and a trip to the toy store.
It took 10 days to empty our bed and it’s been peaceful sleeping since. That’s $5 well-spent.
Have you done a family bed? How did it work? How long did it last?
The Happy Butt
Do you find the cloud in every silver lining? Is the glass not only half empty, but evaporating? Do you start every day thinking
about how the effects of entropy on the universe make everything you do ultimately pointless?
You may be a pessimist.
Pessimism gets a bad rap. Without pessimists, we wouldn’t have insurance plans, missile defense systems, or Eeyore, and what would the world be without those things?
The thing you have to ask yourself is “Does the negativity make you happy?”
The next thing you have to ask yourself is whether or not you were lying with your previous answer.
If you have a negative outlook on everything, I have good news for you: it’s possible to defeat it. No matter how long you’ve been looking at the world through coffin-colored glasses, no matter how ingrained your negative slant is, it’s possible to change it.
You have to want to change it, because, as the saying goes, old habits die hard. Yippee kai yay.
You need a happy butt.
Little known fact: language shapes the way you think. If your language has no words for a concept, you will have a difficult time thinking about that concept, or even understanding it. Statistically, Asians are better at math than their western-world counterparts. Why? It’s not genetic. When a family moves to the US, the edge is lost within 2 generations. It’s not the amount of school they get. Even in backwaters with limited school access demonstrate the same abilities.
It’s the language. Euro-based languages are horrible. They are a clumsy mish-mash of crap from around the world, and the numbering system makes no sense. 11, 12, 13, huh? Spoken, that’s not a progression, it’s something we have to learn by rote. Why is 13 pronounce “thirteen”, with the ones place first, but 23 is pronounced with the tens place first, the way it is written? Where did the word “twenty” even come from? It’s obviously a horrible bastardization of “two” and “ten”, but is it self-evident? Does the progression through the decades follow some kind of rule? Twenty, thirty, forty, fifty. Nope.
The Asian languages (most of them) differ. The numeric progression is spoken in a rules-based progression that makes sense. 23 is literally “two tens three”, making learning math less about rote memorization and more about masters some simple rules.
In the western world, we are handicapped by our language, at least when it comes to math.
The rest of our thoughts are formed by language, too. Learn a language with different roots than the one your were born with and see how your perceptions change.
One of the signs of negative thinking is qualifying everything you say negatively. For example, one person might say “It’s a beautiful day, today” while Mr. Negativebritches would say “It’s a beautiful day, but it’s probably going to rain.” That’s a sad butt, err, but. Every time you qualify a sentence with a sad butt, you are reinforcing your negative view of the world.
The solution? Drop your drawers and paint on a smiley face. You need a happy but(t). You can rephrase the sentence into a happy thought without changing the sentiment or meaning in any way. Try this: “It’s probably going to rain, but it’s a beautiful day, now.” That’s a happy butt, and it reinforces the positive in your mind.
It sounds stupid, but it works. Your language shapes your life. Put a positive spin on what you say, and you will eventually start to think about life in a positive way.
Give it a shot. For the next week, every time you say something negative, qualify it with a happy butt. At the end of the week, come back here and tell me how it’s working and if you can sense a change in your mindset.
Time vs Money
In this corner, weighing in at the only thing you have in this life that you can’t possibly get more of: Time!
And in this corner, weighing in at the thing people think they need to be happy: Money!
Keep it clean. No biting, scratching or hitting your opponents with a chair unless my back is turned. Fight!
Yesterday was Jimmy John’s customer appreciation day. They had subs for $1, but you had to go there in person to get it. At noon, there were more than 50 people standing in line. If it takes 1 minute to make a sandwich, that’s almost an hour in line. To save $5.
Good for Jimmy John’s. They brought thousands of extra people into the restaurant and had a huge line running down the sidewalk. That makes them look great to everyone driving by.
But, the people? Really? Would you work, at any job, for anyone(excluding charitable work) for $5 per hour?
Round 1: Time!
My mother-in-law regularly drive 6 miles out of her way to save 5 cent per gallon on gas. If usually takes 10-15 minutes to get there, if the stoplights behave and traffic is decent. If she arrive with her gas gauge on “E”, she gets to put 15 gallons of gas in her car, for a savings of 75 cents. That’s an effective rate of $2.25 per hour, not counting the gas used to drive there. However, if I ask her to give her $2 to stand in her driveway doing nothing for an hour, she looks at me like I’m nuts!
Round 2: Time!
My wife will occasionally make a shopping list that includes coupons and items spanning three grocery stores. If that were to happen, there would be an extra hour wasted, just traveling between the stores, minimum. Then another hour wasted walking past the items in the first store that were slated to be purchased at the second, or third store. Add another 15 minutes per store to check out, and we’re looking at 2 and a half hours down the tubes to save a possible $20?
No freaking way.
Round 3: Time!
My time is valuable. No matter what I do, or how hard I work, I can never get more than my allotment. Why would I waste it to save a fraction of what I can earn by using it in other ways?
And the winner is….Time!
What’s the craziest thing you’ve done to save a few bucks?
Good Friday
We don’t have daycare on Good Friday.
We do, however, both have to work today. Two rounds of little-girl tonsillitis have zapped our available vacation time.
On an entirely related note, we put our 12 year old son through Red Cross babysitter training a few weeks ago, just for something like this.
My wife gets nervous at the idea of leaving the girls with the boy for very long. I think she thinks the world will explode if he takes care of them correctly.
Our solution for today is to have a slightly older friend come over and help.
She’s 13 and she brought her 10 year old brother with her.
That’s kids aged 3,5,10,12, and 13 in my house today. Total Lord of the Flies.
Hold that thought.
My son, being 12, doesn’t feel it’s necessary to brush his hair for school, or change his clothes every day, and he needs to be reminded to brush his teeth.
This morning, he woke himself up and ran into the bathroom. He emerged with clean teeth and combed hair. I asked him if he was wearing the same shirt as yesterday, and he flew into his room to change.
Hmm. Something is afoot.
While I was putting my shoes on, I reminded him to take care of the house and his sisters, and he made some smart-aleck joke in response.
She giggled.
Watson, I think I’ve found a clue.
Her father told me, just yesterday, the she thinks boys are gross.
The boy has never shown an interest in girls, until this morning.
Grr. The next decade just got considerably more interesting.
Time to lock them both in their respective basements until college.
