Showing posts with label Money. Show all posts
Showing posts with label Money. Show all posts

Tuesday, May 18, 2010

My Car, and No One Else's

I bought my first car back in 2006, because I was tired of taking the bus to work or catching a ride with my Dad. One more step in the plan for independent living, you see. We went to the local dealership, haggled over price a little, and I drove home my little blue Cobalt. It felt good. I remember going home, sitting down on the couch, jingling my keys saying, "Heh. I'm a car owner now! :-)".

My Mother, whom I suspect likes taking on the role of Captain Bringdown pointed out that actually, my financing company was a car owner, a privilege I wouldn't fully have for a few more years. Bummer...

Four Years, one leap up the career ladder, and several thousand dollars later, now I say to thee all (especially Mom):

"I Am A Car Owner!"

For I now have the title to prove it:

Vehicle Title

PS: Full disclosure - the afore mentioned Blue Cobalt met its end way before its time, when a Freak Blizzard, a big hill, and a phone pole conspired to end its life. This title is for my little Orange Cobalt.

Monday, July 27, 2009

Road Quiz

Question 1: While going 60 MPH on the highway under construction in moderate traffic, a shredded tire from a semi truck appears suddenly from underneath the car in front of you. You have less than one second to react to this road hazard. Do you:

A) Swerve to the right and sidswipe an SUV
B) Swerve to the left and crash into a Jersey Barrier
C) Brake Hard, probaby run over the tire anyway and get rear ended for your troubles
D) Brace for impact, and run over the tire

Question 2: One week after running over a shredded tire, your car is overheating. In this situation, what is the most likely cause of this problem? EXTRA CREDIT: How much will it cost to repair/replace?

Question 3: True or False - Manuafacurer Warranties cover damage sustained from road hazards.

Time's up, put your pencils down, check your ansers against mine below.
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Tuesday, May 26, 2009

Three Lesser Nuggets of Happiness

1) Receiving a package from Woot.com. Today, it was three mini-Hibachi grills, semi-disposable, quasi-reusable, made to be portable. The three combined cost less than the five bucks shipping.

2) Opening my gas bill to find out that Questar is giving a rebate to customers due to lowered gas prices, thus bringing this month's bill to -$0.45. Hooray!

3) Mowing down my openents with HeavyWeaponsGuy in Team Fortress 2. Especially those obnoxious little Scout punks. Always trying to take my Sandvich...

Saturday, May 9, 2009

Perils of Instant Gratification

After years of failed attempts by various companies to market electronic books, Amazon looks like to be the company that has finally gotten it right with their Kindle device. The first Kindle had the unique quality of not sucking to read from, which was the sticking point for all previous devices. the Kindle2 was thinner, could read .pdf files, and could download books, some newspapers, and Wikipedia articles wirelessly anywhere you could connect to the same Edge network that wireless phones do.

This latest one now has a bigger screen that makes reading the newspapers and wikipedia content easier. But now, some people are so upset that this was released so quickly after the latest iteration of the Kindle that they have written whiny articles that makes me want to search my closet to see if I can still find the World's Tiniest Violin and play them some suck-it-up music.
Here's a wonderful little quote:
An Amazon spokesperson, in response to my tirade, told me "Well now you have a choice." The key word being "now." But when I bought the product three months ago, I did not have a choice.
I counter that statement with one from Rush:


You didn't have to buy the thing in the first place, but could have waited. People that buy the latest model car in July don't complain when a newer better version comes out soon after. Just because this was the latest/greatest at the time, doesn't not put an obligation on the seller or manufacturer to never sell or create a comparable item that's better than yours, or ensure that you're item is the best for a guaranteed amount of time.

The whole thing reminds me of a similar complaint of another reputable company.

When the iPhone hit the street a few years back, all of the iFaithful were outraged by the announcement that the iPhone was going to drop in price by 33% less than 3 months after it was released. The iFaithful were shocked - shocked!! - that Steve Jobs wasn't their geeky buddy giving away his nifty toys, but was in fact an executive of a publicly traded corporation that has a desire to make a profit.

The complaint was that the price cut was too soon; they would have delayed their purchase if they knew it would drop by that much in that short of a time, Apple doesn't value it's most loyal worshipers customers, etc.

The way I see it is even if Apple had announced before it inital launch that the price would have been cut by $200 in 10 weeks, people still would have lined up outside of their stores to throw money at them. For being without iStuff is to be incomplete as a person. People were willing to pay $600 bucks for one of these things, and no functionality was added to the $400 phone, or subtracted from the phone they purchased. People who waited just got a better deal.

I personally believe that the early adopters, while vital, or at least very important to the adaptation of new technologies, think that they are getting something more than the latest and greatest gadget on the bleeding edge of science. They are buying a membership into the upper crust of their social circle. The people that have the iPhones can discuss iPhone apps, hacks, settings, troubleshooting, etc. and have all the nifty little applications that can make life in the urban jungle easier to navigate, or at least more fun.

But more importantly, they can look down upon those that don't have these things. I'm not saying that iFolk actively think that they count more as a person than someone that uses a Nokia or Sony phone, but I would bet that buried in the parts of their brain that deals with social justice, a thought pops up from time to time: "You're still using a RAZR? You poor wretch. Do you have a tin cup that I can drop some change into? Maybe you can get one of those discontinued 4GB iPhones from eBay or something."

It kinda feels good to be on the inside track, and I guess that the iFolk thought there was some sort of handshake agreement that if they paid the premium for the device, their iClique would be protected by that pricing scheme for at least six months. Then the price came down quicker than imagined, and their heads were filled with visions of the great unwashed with their Wal-Mart grooming and technolgical ineptitude buying up their defacto Badge of Honor now that they were more affordable.

The lesson is, if you don't need it right now, wait. and if you do buy it now, remember that the maker of your gadget is probably making improvements to it, and will want to get those improvements out as soon as possible in a bid to increase market share. This means your device will be obsolete rather quickly. Especially true for any technical device.

And for all of you that doubt the blind devotion of the iFolk to their company, let me share with you an Instant Messenger quote from my Brother-In-Law shortly after purchasing his iPhone on the launch date:

"Jesus has come back, except he's a phone now!"

Yeah...

Tuesday, November 25, 2008

Random Economy Thought

Remember all those Web site ads for lowermybills.com? Here's a New York Times article about them. Read the last quote on the second page:

Mr. Coffin was not apologetic about his company’s methods. “One thing we will probably expand to the nth degree are the dancing silhouette ads,” he said. “It’s a great opportunity to double down on a proven winner.”
Barring any jokes about his name, what ever happened to those ads? You know, the ones that drove people to your business? The business of handing out mortgages to anyone on the internet?

Haven't seen those around lately... you guys taking your advertising in a different direction? ...I'm sure there's still plenty of places to advertise on... You guys aren't going through hard times or anything, are you...?

Oh, right, sub-prime meltdown. Yeah, I guess the advertising department would get cut first.

Tuesday, November 18, 2008

Opportunity DOES NOT come from Nigeria via Email!

It's for the best, really. People this stupid are less of a danger to the rest of society once their money is taken from them.

Friday, May 16, 2008

Unexpected Awesomeness

I was wondering how soon my Tax Refund and Stimulous Package would arrive.

I had forgotten that I opted to have that sent by direct deposit into my checking account. Refund's been there for two weeks, the StimPak there for 3 days. I thought I'd get a post card or an email or something.

Hooray for Refunds!

Wednesday, April 16, 2008

Time Flies

Yesterday, I had two reminders of how time flies.

The first is obvious: Tax Day. I'm getting a tidy little refund, not to mention a piece of Dubya's economic stimulus package. Even if everybody drops all that money on consumer goods, in the long run it won't bolster an economy crippled by the housing bubble burst. Like that's gonna keep me from doing my patriotic duty to wantonly spend this windfall on impulse purchases. An HDTV would go pretty well with that PS3.

The second reminder of the quickly passing days was the six month anniversary of my new job. Tempus fugit.

Sunday, March 23, 2008

Extra Money

Every spring around March or April, after the accounting department wraps up the fiscal year, they pay bonus to each employee, from the directors down to the retail store employees. It's a percentage of one's total anual income, factoring in extra hours you worked (for salaried employees) and how much profit they had this year.
So, I was left with a bit of extra disposable income, and the possibilites are many. This is the kind of windfall where one pays off old credit card debt or something, but being a paragon of fiscal responsibilty (sort of) I have no debt beyond some easily mangaged student loans and a lease on a car. I could put it in savings, which is probably the most responsible thing to do. after a long enough time, that could be turned into a money market account, certificate of deposit, be used to buy a house. or just go toward a rainy day fund. My future is worthwhile investment. Or....




Playstation 3

I could go out and buy a Playstation 3. C'mon. what did you THINK I was going to do with it?

Monday, February 25, 2008

The Subprime Primer

The Consumerist linked to a pretty good explaination of the subprime meltdown. Not just how people buy stuff they can't afford, but how pretty much EVERYONE involved made bad decisions in order to get rich quick. Best of all, it's told through the magic of Stick Figures. Enjoy!

Warning: Language that might make some of the more sensitive people gasp.