- The Festival of Frugality #278 The Pure Peer Pressure Edition is up. All of your friends are reading it. http://bit.ly/aqkn4K #
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- I am the #1 google hit for "charisma weee". Awesome. #
Property Managers
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:
- Rent collection
- Coordinating maintenance
- Accounting
- All of the other mundane details
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?
Selena Gomez: Can Child Stars Make It As Adults?
Selena Gomez is no longer the innocent yet rebellious Alex from Disney’s hit show Wizards of Waverly Place. In fact, the quirky and wholesome child star who was beloved by so many young women has now become a scantily
clad pop star that is singing risque lyrics to her on again off again pop star boyfriend Justin Beiber. Her transition to adult stardom has not been an easy one, and many believe that her role in “Spring Breakers” is a sign that she has officially entered adulthood and kissed her teen-friendly role preference in the past. But unlike other famous Disney child stars like Lindsey Lohan and Britney Spears, Gomez has had a relatively smooth path to adult stardom with only minor bumps in the road. But many people are asking themselves whether or not child stars can actually make it as adults, or whether their career is over once their cute phase stages.
Child Stars Have to Find Themselves After Their Cuteness is Gone
Child stars are aware of the fact that they are always being watched. They become the idols of their young fans, and these young idols rely a lot on their cuteness to become a celebrity. But transitioning from a cute kid to a talented adult actor can be a difficult feat. Not only does the star have to earn a new fan base, they also must find a new identity and decide which types of roles they are willing to take now that they are a mature adult able to make their own decisions. Sometimes, even children who do not fall into the drug and alcohol trap, find it difficult when they are given control of their own careers without their guardian’s rules.
The Public is Less Receptive to a Child Star Turned Adult Star
Die hard Wizards of Waverly Place will always see Selena Gomez as the lovable yet comedic Alex Russo. While this was her most popular role, it is the role that will makes her transition into more mature roles difficult. The public is less receptive to an adult Selena Gomez, clad in bra tops and short shorts, because they do not realize that she has matured. When the public shuns a child star for taking on more adult roles, the star simply is not sought after for movies and sitcoms. Young female child stars tend to be judged much more than their male counterparts. In fact, Justin Timberlake and Ryan Gosling are both very successful in the acting scene, and they were both Mouseketeers.
It is possible for a child star to make it as a adult, but the person must have thick skin and be prepared for a publicly criticized transition. Many child stars simply choose to retire once they have outgrown the ability to take on youthful roles, and others are not mentally prepared for the scrutiny they will face. Ultimately, a child star can have a successful career in stardom as an adult if the public is ready for the transition.
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My Net Worth
While I find it fascinating to read about other people’s net worth, I’ve never bothered to figure out my own. With the start of the new year, I thought it would be fun to do. This is me, upping my personal transparency bar.
Assets
- House: $255,400. Estimated market value according to the county tax assessor.
- Cars: $23,445. Kelly Blue Book suggested retail value for both of our vehicles and my motorcycle.
- Checking accounts: $2,974. I have accounts spread across three banks.
- Savings accounts: $4,779. I have savings accounts spread across a few banks. This does not include my kids’ accounts, even though they are in my name. This includes every savings goal I have at the moment.
- CDs: $1,095. I consider this a part of my emergency fund.
- IRAs: $11,172 (Do you know your IRA contribution limits? Do you have a Roth IRA?)
- Total: $298,865
Liabilities
- Mortgage: $33,978
- Car loan: $1,226. This will be paid off this month.
- Credit card: $23,524. This is the next target of my debt snowball.
- Total: $58,728
Overall: $240,137
Update: I wrote and scheduled this before I paid off my car loan.
Phone Insurance
Thursday, at parent/teacher conferences, I sat on my phone and broke the screen.
Not just the glass, but the LCD.
Not a problem. I pay for Sprint’s repair plan.
Little did I know that Sprint–in their infinite #$!$%#$%–considers a phone unrepairable if there is more than one crack on the screen. That effectively means that any broken screen is a total loss.
It’s good to know my $4/month has been wasted.
Other than a phone I had stolen last year, I still own every phone I’ve ever owned. None have had water damage or anything catastrophic happen to them, so I didn’t get the replacement side of Sprint’s insurance plan.
To summarize:
- I broke my phone in a way that Sprint won’t fix, even though I pay for the fixit plan.
- My phone costs $600 when you aren’t signing a new contract.
- My phone has the most expensive LCD to replace at the moment.
The Total Equipment Protection program costs $11 per month. Given my history, that’s a waste of $11, though it would actually be a waste of $7, since I have been happy to pay $4 for the repair plan.
$7 per month since I got my first smartphone in about 2008, means I’ve saved $420 in insurance fees I haven’t used.
Today, I paid $298 to replace the LCD on my phone. That includes overnighting the part to the shop since it’s not stocked and I’m leaving town tomorrow.
An insurance claim from Sprint comes with a $150 deductible.
All told, I’m $270 to the good.
Would I get the insurance if I were signing papers today?
Probably not. A $7 monthly bill doesn’t hurt, while a $300 surprise does, but that’s why I have a repair fund.
Do you have insurance on your phone? Have you used it?
