Deals of the Day

The shoes were a great deal for $27 shipped and in wide size EE
The book was because I'm all over fallout 3 and it's $15 cheaper than borders
The ac adapter was because I can't find my DS bag with my goodies in it. At least I have my R4DS. wheeee

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I'm not good at math so I don't save money

Are you serious? I like how people categorize "math" with finances. Like being able to calculate what the cost of something is on sale or how to just calculate savings if they put their money somewhere.

Is it because most people equate math with algorithms and proofs? Fine, if that is the case. But everyone should be able to know how to save money. Isn't that the point. Most people are NOT in sales so their income is set. You trade time for money if your hourly and if your salary you better hope you don't work more than 40hrs a week or your hourly rate conversion just dropped.

So story goes like this:
We got a customer who is using First Choice Power at $0.23 cents/kw on a month to month plan. Been doing this for awhile now. Normal consumption in the summer is 2000kw.

So simple math tells us that this person should be paying before taxes is:
$0.23 X 2000 = $460 per month.

I guess that isn't so bad if that is the rate you can only pay. BUT.

I have a 6 month rate that is $0.134/kw and a 1 yr at $0.144/kw.

I tell everyone to lock it as long as you can as you will never know if the market prices will go up or down.

The savings this person would have had are as followed per month

• 1 year plan ($0.23-$0.144) x 2000 kw = $172 SAVED per month for 12 months at that usage
  
• 6 months plan ($0.23-$0.134) X 2000 kw = $192 SAVED per month for 6 months at that usage

Now of course the usage will drop in the winter but you get my point. For at least the summer months this person was OVER PAYING by $172-$192 PER MONTH.
Okay. Some people got money coming out of the wazoo so this isn't a concern. But for the working class this is huge. For something you will get regardless and it's delivered the same.

It has been said that most bankruptcies could be avoided if another $250 of income was generated per month. Instead of generating it you're almost there just by saving!

So ask yourself. Why does our school system not have a class to teach people about how to manage their money? Why do so many people carry a credit card debt? How come you hear so many college students carry debt on the cards from just stuff they buy? No education. We go to school to learn a trade yet most people never really understand how money works. Sad Sad times.

Plus, I saw on David Letterman last night that physical education class are being phased out. So now we are going to become a nation of overweight students who have no clue that paying the minimum due on the credit card isn't smart.

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15th Dating Anniversary

I know. I should have made her not count the dating anniversary after we got married. We dated 9 years before we got married.

Today is our Official 15th year dating anniversary. This dates way back to when I was going to be a sophmore in highschool and she was going to be a junior. I know what your are thinking. Older women can't resist me. But it took dang near a year for me to finally ask her out after many nights being driving around by our good buddies like Howell.

Well. Jess tried to trick me into not wanting to see Batman but she actually booked a night for just us and a nice dinner. How nice. I keep telling her I don't believe in buying her gifts. Why? She's going to buy her own things she wants regardless. Why waste money. I'll give her some nice little things but in the end it's just junk. She doesn't like jewelry, never got her ears pierced, flowers stink up the house, and we are trying to lose weight so candies are out of the question.

I just tell her on those days I'm really nice to her and give her a good foot message. The foot message that lasts like 2 hrs. dooooh. I don't think there is a man alive that messages their wive's foot as many nights as I do. That is my trade off to buying her useless gifts.

So I told her I didn't buy hey anything while I was at work and she said "oh really? Okay, not a big deal as I bought myself something". Thanks!

I guess when your a stay at home mom it's hard not to shop and every once in awhile buy something you "think" you need. She deserves it. I chalk it up to inflation and giving her a raise for taking care of my kiddos.

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so off to disney world tomorrow!

yes yes, 2x in 1 year. it wasn't planned but everyone is going this time. except for liana since she's still in school and nathan cause he's a sleepy baby.

since we are missing the 4am, 6am black friday sales that usually attend here is a little video of me running it in the virtual world.

I guess this year will be a small year in terms of re-selling deals ;(

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the end of lifetime returns on electronics at costco

So you mean i can't return this tv 5 yrs later?

The change was implemented because the company was losing "tens of millions of dollars" in returns, Galanti said. He declined to specify the losses.

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