- Watching Gamers:Dorkness Rising #
- Charisma? Weee! #
- Tweeting a dork movie? I'm a bit of a geek. #
- We just met and the first thing you do, after boinking a stranger in the presence of the king, is to murder a peasant? #
- Every movie needs a PvN interlude. #
- Everything's better with pirates. #
- Waffles? Recognize. #
- The Spatula of Purity shall scramble the eggs of your malfeasance. #
- Checkout clerks licking their fingers to separate bags or count change is gross. #
- Watching Sparkles the Vampire, Part 2: Bella's Moodswing. #twilight #
- @penfed was a waste of money. $20 down the drain to join, wouldn't give a worthwhile limit, so I can't transfer a balance. #
- @JAlanGrey It's pretty lame. The first one was ok. This one didn't improve on the original. in reply to JAlanGrey #
- RT @tferriss: Are you taking snake oil? Beautiful data visualization of scientific evidence for popular supplements: http://ping.fm/pqaDi #
- Don't need more shelves, more storage, more organization. Just need less stuff. #
- @BeatingBroke is hosting the Festival of Frugality #226 http://su.pr/80Osvn #
- RT @tferriss: Cool. RT @cjbruce link directly to a time in a YouTube video by adding #t 2m50s to end of the URL (change the time). #
- RT @tferriss: From learning shorthand to fast mental math – The Mentat Wiki: http://ping.fm/fFbhJ #
- RT @wisebread: How rich are you? Check out this list (It may shock you!!!) http://www.globalrichlist.com/ #
- RT @tferriss: RT @aysegul_c free alternative to RosettS: livemocha.com for classes, forvo.com for pronunc., lang8.com for writing correction #
- Childish isn't an insult. http://su.pr/ABUziY #
- Canceled the Dish tonight. #
Selling Your Home: The Real Estate Agent
If you are not able or willing to sell your home yourself, you’ll need to find a real estate agent. A realtor is someone who deals with all of the hassles involved in selling your home in exchange for a fee of up to 7% of the selling price.
The hassles include marketing, an objective price analysis, advertising on the internet and in newspapers, providing a yard sign, negotiating the sale price, reviewing and filling out the contracts, and navigating the entire process for you. The aren’t meaningless duties, so make sure you are getting what you pay for. You need to find the right realtor for you.
The key to to ask questions, particularly the right questions. You can ask the wrong ones if you’d like, but they tend not to help much.
Helpful questions include:
- “Can I call your previous clients?” If the answer is no, run away! If the answer is yes, get the list and call them.
- “Have you sold any homes near here recently?” Get the names and numbers of the customers and call them. Find out how it went and what they wish would have happened differently. If the realtor hasn’t sold nearby homes recently, keep looking.
- “Will you put your sales strategy in writing?” If it’s not in writing, you may be left paying the full commission, without getting the full promised service.
- “What will you tell a potential buyer that wants to negotiate?” Make sure you and your realtor are on the same page.
Now for some secrets that realtors will not volunteer.
- The selling fee is negotiable. If you live in a popular development, or if nearby homes have sold quickly, you should be able to get your fee reduced a couple of points.
- You don’t have to sign an exclusive listing agreement. With an exclusive agreement, you will pay the realtor a fee if the house sells. Period. With a non-exclusive agreement, you can list with several agents and only pay the one who actually sells your house. If you find the buyer, you won’t pay a selling commission at all.
Selling your house can be intimidating and realtors are there to make the task easier for you. Have you had any problems with real estate agents?
Shopping Online: The Money-Saving Secret
I try to do as much of my shopping online, if at all possible. The one exception is groceries. The two local companies that offer online grocery shopping and delivery have a markup that just doesn’t balance out with the convenience of not having to fight crowds at the grocery store.
I buy books, CDs, movies, even toilet paper online. It’s so much easier to spend 5 minutes on a website than to pack up the kids, drive to the store, wander around while trying to avoid coming within view of the toy aisles, get what I need and get out without buying a bunch of crap I don’t need.
For a long time, I’d just accept the price as the price. I’d pay whatever was asked. Eventually, I quit overlooking the magic money-saving option on almost all e-commerce websites: the coupon field.
Here’s how it works: While you are checking out, you will usually see a box marked “coupon code” or “promo code”. Put in a coupon code, and poof! you save money. Magic is fun.
What happens if you don’t have a coupon code?
I crank up my second brain, aka Google. For example, if I’m shopping at the Gap, I’ll type in “Gap coupon code“. When the search results come up, I open the top 4-5 pages all at once and look for the best deals. If a site is trying to charge $30 for shipping, a free shipping coupon is a winner. If I’m ordering $300 worth of Christmas presents, a 15% off code is a real prize. Other times, I will concentrate on the buy-one, get-one type of coupons. Those are handy when I’m trying to buy presents for all of my nieces and nephews.
The real secret is coupon stacking. It’s usually not allowed, but some sites allow you to stack different types of coupons. If I can find a “15% off $300” coupon and a “free shipping” coupon for the same site, I’ll try to use them both. One Christmas, I was able to get $100 of free stuff shipped for $5 by stacking BOGOs, discounts, and shipping coupons. I love to get free stuff. Always try to use extra coupons, if you can find them. This isn’t extreme couponing, just using the system as it was designed.
I search coupon codes every single time I order anything online. No exceptions. How do you save money when you shop online?
Written on behalf of Dealtaker.com
Two Reasons to Save And One Reason Not To
I’m a fan of saving money. I’m not doing as much of it as I’d like, but that’s because I’m focusing on killing my final credit card, first. I postpone saving, knowing that it’s
something that I need to do the moment my credit cards are paid off. It won’t wait any longer than that.
Why do I care so much about saving? It’s because I’m risk-averse. If I can avoid risk, I do, in most situations. I don’t want to risk going hungry if I lose my job, and I don’t want to risk eventually(very eventually!) having to fight the cockroaches for the right to drink my fiber supplements.
There are a couple of excellent reasons to save:
1. Peace of Mind. There is a certain calm that comes from having enough savings to weather a few storms. If your car dies when you’re broke, it’s a tragedy. If it dies when you’ve got some cash saved up, it’s a minor inconvenience. Knowing that the vagaries of fate aren’t going to shatter your life against a cliff is a reward all its own.
2. Cheap nursing homes suck. When I get old, I want to live in a comfortable nursing home. One with extended cable, nice beds, and attractive coeds in charge of the sponge-baths. That’s not too much to ask, but I have to save up for it now. Medicaid doesn’t cover homes like that. Those are strictly a private affair. To make that happen, I need to save and invest now, or I won’t be able to enjoy the fruits of my labors then.
And, of course, there is one shining reason not to save:
1. You’re living your life now. Saving everything you’ve got, to the detriment of your current life, isn’t healthy either. Life is short. Do you really want to be curled up in bed, trying to enjoy a sponge-bath, shivering at the regrets you’ve built by denying yourself everything? I’m certainly not suggesting you waste all of your money on coke, hookers, and video games, but it is important to take the time to build some memories, or your final years will be hollow.
You have to find the right balance between your future and your present. Every moment of your life is important, not just the ones that haven’t happened, yet.
Jobs I’ve Had
I’ve always worked. From the time I was young, I knew that, if I wanted to feed my G.I. Joe addiction, I needed a way to make money.
So I got a job.
I was the only kid in first grade earning a steady paycheck.
In the years since, I’ve had a dozen or so jobs at 10 different companies. The question has been asked, so this post is my answer: these are all of the jobs I’ve ever held.
- Paper route. Starting at age 6, I split a paper route with my brother. Initially, I made about $6 per month, which was enough for 1 G.I. Joe.
- Farm hand. I spent a couple of summers in junior high and high school doing odd farm jobs outside of my home town.
- Dishwasher. Starting in 9th grade, I gave up a study hall to work in the school cafeteria, serving food and washing dishes. It paid minimum wage for 1 hour per school day.
- Construction. For a couple of summers, I worked for my dad’s construction company. He was easily the hardest boss I’ve ever had, which was great preparation for the rest of my working life. The drunk bar owner who didn’t allow his employees a lunch break and got upset if they sat down on a smoke break was nothing by comparison. Thanks, Dad. Every employer since has been astonished by my work ethic, even when I’m having an off day.
- Dishwasher, take 2. Sixteen years old, thumped by the wisdom of “If you want a car, get a job to pay for it.” So I did. It paid a bit over minimum wage and gave me my first “Who the heck is FICA and why is he robbing me?” moment. I eventually got promoted to cook, which came with better pay, worse hours, and more opportunities to flirt with waitresses. It was grand.
- Palletizer. This is a fancy way of saying I stood at the end of a conveyor belt, picked up the 50 pound bags of powder as they came down the line, and stacked them neatly on a pallet. Rinse and repeat. 1500 times per night. By the time I left this job, I had arms that would make Popeye cry.
- Cook, take 2. I held this job at the same time as the palletizer position. I’d work 8 hours stacking pallets, then head to job #2, 5 miles away. My car was broken at the time, so I rode my bike. In the winter. In Minnesota. I was working 14-16 hour days, lifting a total of 75,000 pounds, biking 10 miles per day. I was in great shape and tough. I wasn’t tough enough, though. I could only maintain this schedule for a couple of months.
- Machine operator. During my stint with this company, I’d put a little piece of metal into a great big machine, push a button, then spend 15-20 minutes listening to the great big machine carve the little piece of metal into something worth selling. This was about when I started shopping for books based primarily on thickness. One night, I read The Stand in my spare time. I’d also pass the night by burning scrap magnesium flakes in the parking lot. What can I say? Twelve hour graveyard shifts with 3 hours of actual work are boring. I left a few months after my son was born, because I was missing too much of my family time. I took a 30% pay-cut, before overtime, to be with my wife and kid.
- Debt collector. I worked my way through college by collecting on defaulted student loans. I firmly believe that we should all live up to our obligations and responsibilities, including paying your bills, so I didn’t have a moral dilemma with the work. There are some bad apples, but I don’t see collectors as pariahs.
- Systems Administrator. After I graduated college, I got promoted and spent the rest of my time there managing the collection and auto-dialer software and the hodge-podge of other applications we needed, some of which, I wrote.
- Software engineer. This is where I am now. I’ve written a medium-scale ecommerce application that handles the online sales for quite a few companies, mostly in the B2B arena. The job also includes a large chunk of training, management, and even sales. I don’t particularly enjoy sales, but a programmer geek who can manage other programmers, coordinate with sales & marketing, and talk to customers during a sales demo is a rare bird.
To recap: I’m 32 and I’ve had 1 month out of the last 26 years that didn’t come with a paycheck. I’ve worked for 10 different companies and I start the job before this one when I was 20.
How many jobs have you had? What was the most memorable, or the oddest?
Twitter Weekly Updates for 2010-06-19
- RT @bargainr: Life in North Korea is absolutely dreadful http://nyti.ms/dAcL26 #
- RT @bitfs: Weekly Favorites and Gratitude!: My Favorite Posts this Week Jeff at Deliver Away Debt threw together the .. http://bit.ly/9J0gGo #
- @LiveRealNow is giving away a copy of Delivering Happiness(@dhbook). Follow and RT to enter. http://bit.ly/czd31X # #
- Baseless claims, biased assumptions, poor understanding of history. Don't bother. #AnimalSpirits #KeynesianCult #
- RT @zappos: Super exciting! "Delivering Happiness" hit #1 on NY Times Bestseller list! Thanks everyone! Details: http://bit.ly/96vEfF #
- @ericabiz Funny, we found a kitten in a box last week. Unfortunately, it was abandoned there, not playing. Now, we have a 5th cat. in reply to ericabiz #