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‘Mommy, I’m bored!’ Top 5 online activities for your kids

Finance

This is a guest post.

When nasty weather, a cold or the flu keeps kids indoors, plan ahead for those days with some great online activities kids will enjoy. Whether it is learning a new language with mom or dad, or practicing multiplication tables with an older sibling, kids can find plenty of cool things to do to kill their time. Here is a top five list of things your children can do while surfing the net.

Fun Languages
Learn Spanish, German, or French online with your kids. Give your children the gift of language with some key phrases and words to encourage brain activity in the language zones. Studies have shown that children exposed to multiple languages in their elementary years are more likely to learn a second language as adolescents and adults. Statistics indicate basic knowledge of a second language promotes better understanding of English grammar. The internet has some great resources for older children and parents wishing to improve their vocabulary knowledge and grammar skills. Word a day programs and test prep programs are often as entertaining for the parents as they are for the kids.

Arts and Crafts
There is a plethora of sites offering downloadable art project sheets, coloring pages, creative flash cards, art activity books and art games on the internet. Let the creative genius of your young artist shine through with how to draw tutorials and interactive art history sites. Don’t forget the musician in the house, as there are plenty of great music tutorials complete with video and audio for the young future soloist to watch. Many sites offer interesting and kid friendly “how to” videos for piano and vocals. Many sites offer inexpensive or free holiday cards the kids can create and print for one of a kind holiday or birthday gift giving. Crayola offers terrific downloadable coloring pages, games and activities.

More Academics with Math
Colorful math puzzles, homework practice sessions all online, downloadable speed tests and great interactive programs abound for the math whiz. Fun and entertaining, these online interactive programs are often free and downloadable in seconds. Your kids will never be bored again when accessing such interesting activities as tangrams, money games and creating their own math flash cards. Periodic tables and math and science in the kitchen bring fun and kid friendly experiments for rainy days and long summer vacations. Keep them interested in STEM (science, technology, engineering and math) with how things work videos.

Early Learners Have Fun Too
There are wonderful sites that teach young children and early learners about counting, colors and shapes. Teach your children about telling time and other valuable skills. Learn about money, traffic safety and stranger danger in fun and engaging videos and interactive games. Young children are remarkably quick to pick up on new skills through technology. Parents can take advantage of wonderful online activities at many educational websites.

Games and More Games
There are free and not so free video and mobile device games for children of all ages. Fun and diverting puzzles, adventure and arcade, card and board games for younger to middle school aged children can be found just a few clicks away. Fun and challenging sports and trivia games for high school aged kids are often found at no charge.

Sell old CDs
Got some unused video games ready for the bin? A DVD that you kids received for Christmas and never watched? An old CD they don’t like to listen to anymore? Here it is another opportunity to spend some time online having fun. Websites such musicmagpie will allow your children to sell their unwanted CDs and make a bit of money out of it. Less clutter around the house, more fun for your kids. That sounds like a win-win.

Mortgage Race, Part 2

Finance

As I mentioned last month, Crystal and I are in a race to pay off our mortgages.  The loser(henceforth known as “Crystal”) has to visit the winner.   Now, since–judging by the temperature–Crystal lives in Hell, I think it would be good for her to visit in the winter.  There something about the idea of going ice fishing, staring at a hole in the ice while sitting on a 5 gallon bucket, cursing the day I was born.

Today, she threw down the gauntlet again.   She has apparently decided that, since her prerequisites are met, she’s going to win.  Sure, she’s closed on her house and built her savings back up to $20000, but it doesn’t matter.  I’ve sent a small army of arson-ninjas to keep her from getting ahead.    They are so small, they can only carry tiny matches and single drops of gasoline, so the damage they can do is tiny, but it will add up.   Just a word of advice:  if you hire an army of arson-ninjas, go for the upsell and get ninjas that are at least 2 feet tall.   Anything less is just inefficient.

When I announced the race last month, my mortgage balance was $26,266.40.  Today, it is $25,382.53.   In three days, there will be another $880 applied to the principal.

In February, our renters will move in and we’ll conservatively have another $650 to pay.  When that starts, our balance should be around $23,000.   Adding a portion of the rent payment should mean we pay off the house in May 2014.  However, when I bring in our side hustle money, that will bring us back to September 2013.

Crystal’s projected payoff is July 2013, so I’ll have to hustle.

 

Counting Cards: How to Cheat At Blackjack

Finance

A blackjack game in progress
A blackjack game in progress (Photo credit: Wikipedia)

I don’t gamble much.  I’ve got this boring kind of luck that let’s me gamble for a really long time on not much money, without ever winning big.

For example, when my wife was very pregnant with our first monster, we took a trip to visit my parents.  It’s a 2 hour drive, and she needed a break halfway there.  In the truck stop, we bought $5 worth of scratch-offs to pass some time.   We turned in the winning tickets for more scratch-offs.   And again.   And again.   Two hours later, we were out of winners, but had never accumulated more than $10.

Another time, we went to the casino to play slots.   It took nearly 8 hours to spend $20.   That sounds boring, but we had good conversation while we were playing.

I’ve never had a big win or a big loss from gambling, so I’ve always been kind of bored with the idea.

Now, cheating at blackjack, that’s a different matter.  Pulling one over on the casino without getting caught…they make movies about that kind of stuff.

To be clear: counting cards in your head isn’t cheating.   Legally, the worst that can happen is you can be asked to leave.   To get a Hollywood-I-cheated-the-casino-and-got-caught-and-beat-by-the-mob kind of beating, you need to win a lot.

A lot.

To get started, there are a few things you need to know.  One of those things is how to play blackjack, but I’m not going to get into the basics.  If you don’t know how to hit, stand, or count to 21 without taking your clothes off, this guide may be too advanced for you.  Come back later.

Super Basic Strategy

You don’t need to count cards to use this strategy.   You will do better than most players if you follow along.

1.  The dealer must hit, or take another card, if he has 16 points.  If he has 17, he stands.

2.  The hole card–the card you can’t see–is always worth 10.  Of course, it’s not, but for the purposes of your strategy, assume it is.

That means, when the dealer is showing a 2, you’ll assume he’s got 12 points and will hit.  If he’s showing a 7, you’ll assume he’s going to stand.   If he’s showing an 8, your goal is to beat 18, not push for 21.

That’s it.  If you do that, you’ll come within a couple of points of even odds against the house.  Google “blackjack basic strategy” if you want to improve this.

Even odds isn’t good enough.

Card Counting

Counting cards sounds tough.  Rain Man tough.

It’s not, but you’ll want to practice at home a bit before you try it in the really real world.

The rules are simple:

1. Cards 2-6 are worth 1 point.

2.  The 10, jack, queen, king, and ace are worth -1.

3.  For every card that is played, keep track of that score.   This is a running score across multiple hands until the deck is replaced or shuffled, so don’t stop at a new deal.

4.  Divide the running score by the number of decks remaining in the shoe.  If there are approximated 150 cards in the dealer-thingy, that’s 3 decks, so divide by 3.   If your running score is 18, that means the number your playing against is 6.   If the casino is using a continuous-shuffling thingy, forget counting the cards.

That’s it.   You’re never adding or subtracting more than a one, and you’re doing that against a number that tends to stay pretty low.

How do you use that, you ask?  Easy.

When the score is up, bet higher.  If it’s low or negative, bet lower.   The higher the number, the higher your bets.   If you’ve got a 5, a 6, or more, bet as much as you are comfortable with.  If your playing score is low or negative, bet close to the table minimum.

Why does this work?

A higher score indicates that the main assumption of the super basic strategy is more likely to be true.  When you’ve got a score of 10, you know a lot of lower-value cards have already hit the table, so it’s safer to assume that the dealer’s card is worth 10.

You don’t change anything about the way you play each hand, you just change the way you bet each hand.   Counting cards doesn’t tell you specifically what’s going to happen during each hand, it just tackles the statistics of the game.  It moves the odds in your favor, by up to 2 or 3 percent.    Over one hand, this won’t help, so don’t sweat losing a hand here and there.   Over an entire shoe of hands, you should be able to steadily win more than you lose.

And, as Brian Brushwood says, in the course of your life, very few things make a cooler story than getting kicked out of a casino for counting cards.

Do you play in casinos?  Ever tried to cheat?

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Selling Your Car

Finance

English: Jalopy car in Joshua Tree National Pa...

English: Jalopy car in Joshua Tree National Park in Hidden Valley Campground (Photo credit: Wikipedia)

When it’s time to replace your car, most people focus on the new car, instead of the old, but that is ignoring real money.  Your old car–unless it has disintegrated–still has value.  Sometimes, it’s just time to ask yourself, “When should I sell my car?”

When you’re looking to sell your car (like with We Will Buy Your Car), you generally have several options:

  1. Tow & crush. If your car has been wrecked, doesn’t run, or is just old and beat up, you may be stuck with calling a junkyard and accepting $50 for them to pick up your car and crush it for scrap.
  2. Trade it in. This is probably the least hassle, but–other than #1–doesn’t pay well.  Dealerships are willing to pay something under what they will get at a wholesale auction, which is quite a bit less than the blue book value.
  3. Sell it yourself. Now you’re thinking, “He’s going to buy my car! Oh, bother.”  It can be a pain, but it’s also the best way to get a decent price for your wheels.

When you sell your car, there are a few things to keep in mind, much like when you sell something on Craigslist.

  • Don’t be alone. There are bad people in the world, but they don’t like witnesses.  Bad things are much less likely to happen if you have company.
  • Know your price. Specifically, know three price: your dream price, the price that would make you happy, and the absolute lowest price you are willing to accept.  Make sure you figure these numbers out ahead of time.  Know what you are comfortable with before it comes time to close the deal.
  • Check IDs. The buyer is going to want to test-drive your car.  That’s fine, but you want to make sure you know who is driving off in your car.  “Officer, Sumdood took my car.  He was wearing jeans.”  That won’t get your car back.
  • Clean it up. Get the car detailed before you show it to a potential buyer.   A sparkling-clean car will almost always bring in a few hundred extra dollars.  It’s well worth the expense.

Following this plan should make the sale go as smoothly as possible and bring you the most possible money.

Readers, what have you done to dispose of an old car?

This is a sponsored post written to provide some insight into the world of used car retail.

 

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Actions Have Consequences

Finance, Parenting

Image by reidmix via Flickr

Six months ago, my laptop quit charging.  This particular model has a history of having the power jack come loose inside the laptop, so I ordered the part and waited.  When it came, I disassembled the computer, carefully tracking where each screw went.   I installed the part, the put it back together, with only a few extra pieces.

It didn’t work.

After spending the money and doing the work, I tested the external power cord.   I could have saved myself a few hours of work if I would have done that first.  It was trash, so I ordered a new one.   That’s time and money down the drain due to my poor research.

As an adult, I know that I am responsible for my actions, even if the consequences aren’t readily apparent.   If I tap another car in a parking lot, I am going to have to pay for the damages, even if I didn’t see the car.   This has manifested itself in credit card statements I didn’t read, speed limits signs I didn’t notice(or ignored!), and–on occasion–my wife and I not communicating about how much money we’ve spent.

Kids have a much harder time grasping that concept.

My son enjoys playing games online.  Some of the games are multiplayer games  he plays online with his friends, others are flash games he plays at home while his friends watch.   They like to take the laptop into the dining room where they can play without being in the way.   A small herd of 10 and 11 year old kids hopping around expensive electronics can’t be a good idea.

Yesterday, we saw that the power cord was fraying at the computer end from being dragged all over the house and jerked by kids tripping on the cord.   We got six months of life out of the cord because of kids who should have known better not acting appropriately around the cord and the computer.    Not happy.

My son got grounded for a week and honored with the privilege of replacing the cord.   Now he isn’t happy, but he understands that he needs to pay for the damage he causes, even if he didn’t know that what he was doing could cause the damage.    If it was something he would have had no way of knowing, there would have been no punishment, but he should have known not to jerk on the cord of leave it where it can be tripped over.

What do you think?

The Story of Sammy

Business

As I’ve mentioned, we’re cleaning out my mother-in-law’s house.   She was a hoarder who passed away a couple of months ago.   As of yesterday, we’ve filled two 30-yard dumpsters.   For perspective, that’s big enough to park our F150.

I’m not here to talk about that, or the 20 year old can of green beans that burst and ran down my leg on Saturday.

Last month, we put a recliner out on the curb with a free sign.   A few minutes later, a couple of guys stopped by and grabbed it.

Last week, one of the guys–I’ll call him Sammy–stopped by and left a note on the windshield of one of our inherited cars, asking about buying it.

Long story short, we sold him two cars.  One hadn’t been run in a year or two, and one had been parked for almost 20 years.   We signed this titles and let him take the cars while he was still $50 short of the purchase price.  This isn’t a story about the cars.

It’s a story about Sammy.

Sammy doesn’t have a lot of money.   He’s living off of a monthly check from an old injury, and his fiancee works part-time.   They’re living in Section 8 housing, and consistently have more month than money.  When he was younger, he made some decisions that make some forms of employment difficult now.

On Friday, Sammy stopped by.  He was supposed to give us $50, but said that getting one of the cars running had cost more than expected, and it still had a problem that was keeping it from being safe on the road.   He asked about an extension.

No problem.

Then, he looked around my mother-in-law’s overgrown yard and asked if he could help.  After we negotiated the price, he asked if he could a) borrow our tools for the work, and b) get a ride Saturday morning.

I am a nice guy.

Saturday, I was planning to pick him up, then drive downtown to pick up a friend who has been living at the Salvation Army since moving to the area.   His friend was so excited about the work, he hopped on a bus at 6am and got to Sammy’s house.

When I got there, Sammy also had a teenager he was mentoring.   He told me that his dream was to start a lawn-care business with his friend, so they can put kids to work and help them turn into productive citizens.   Idle, broke, and bored teenagers are a recipe for disaster.   Teenagers who grow into men not believing they have a chance to change their future are worse.

I dropped them off and went to have a chat with my wife.

We’re far from rich but, at the moment, we are fairly flush.  We’ve found some cash, and a there is a bit of life insurance money.   Most of that will be going into remodeling the house, but we have a bit extra.   If we can take a few hundred dollars, and help launch Sammy into a business that will help him, his family, and a circle of kids with few prospects, I think it’s the right thing to do.

When I told Sammy what we were considering, he started to break down.   It was a truly emotional experience for him to know that somebody was willing to take a chance on him.

I told him to put together plan.  I want to know what it would take for him to get started.  Hopefully, he’s serious enough to do that.   I’d like to help.

 

 

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