So, I am terrible at consistently blogging. It’s been like 10 years since my last post. My kids are grown now (not really). I really should try harder. For the 4 people who keep up with this blog I am sorry (Just kidding, there’s actually 7 of you). Anyway, my excuse for this last hiatus is somewhat legitimate, during this time I fixed up my old house to sell, sold it for a decent profit, purchased a foreclosed property, and have done quite a bit of work fixing it up. This brings me to my most recent (almost) financial mistake. Yes, I make financial mistakes. I would like to think I make less than most, but I still make some. Recently, at my new house the heater went out. This is a very dangerous situation to be in literally and financially. Rule 1 for large financial decisions is do not make them based on fear or emotion. The problem is, when you are literally freezing (or melting if your a/c goes out in the summer) in your own house there are few options but to fix the problem very quickly. Sometimes it takes days to get people out to give bids and that is not really acceptable. However, it is also not acceptable to spend $4-$8k if you do not have to, even if it means being cold for a few days and/or spending a few nights at a hotel or with family. Let me break this down.
I never thought I would write about this, but crazier things have happened (this is my most popular blog). It took me a while but I was inspired by this Maria Kang picture.
The whole sensation with this fascinated me. Was the picture a little bit of a humblebrag? Yes. Ok, maybe it was a slap you in the face humblebrag, but so what? Did she not accomplish something pretty awesome through hard work and dedication? Isn’t that the type of things we should be praising instead of ridiculing? I mean I understand being annoyed when a trust fund kid shows off their riches, or someone with the natural athletic gifts brags about being so good at sports. These things annoy us because the person didn’t do anything to earn these things. But when someone works hard and does something that most people don’t, (not because they can’t but because it is not a priority to them) then it is worth at least a “good job”. You don’t have to like her, but don’t hate on the accomplishment. And please don’t then start saying things like “Yea I could do that too if I had 8 hours a day to train”, or “We aren’t all blessed with great genetics”, or “Some of us have thyroid problems, I have a doctors note to prove it”. Why do people feel the need to cut others down to make themselves feel better? Stop making excuses and be honest with yourself. Unless you’re the very small fraction of a percent of people who have some crazy medical condition that causes you to uncontrollably gain weight (for which there is no remedy), then you do not have an excuse. You simply have not made it a priority.
- Education, Career, and Expectations
- Doing things that matter
- Expressing Yourself
- Health and Happiness
So you want to buy a car? Read this first and decide what is REALLY important to you, and know what you are actually paying for.
This article is going to compare 3 different methods of vehicle ownership (leasing being more of a rental). I am using the average length of ownership of 6 years. So this means (2) 3 yr lease cycles as I am comparing leasing as a method to drive a vehicle. People who lease tend to do so in order to continuously drive new cars. If they wanted to buy back the car at the end of the lease, than they should have just bought it to begin with. This is not comparing someone who buys new and trades it in every few years, because they should be leasing instead. This is comparing those who lease and those who buy. Within those who buy I am using the average length of ownership of 6 years, so they buy the car and have it for 6 years. I will mention these points more than once but I want people to understand the premise. Factors could be changed to fudge results but these are very typical ways to own/operate a vehicle. Those who lease tend to do continue to do so, and those who buy tend to own longer than a few years.
Ok, so we all know that friend who always has a “guy” for everything. When it comes to car repair, you need a guy. Sorry for all the mechanics out there who work at garages, but you guys get a bad name for a reason. If we were to look at markups in the automotive repair industry you would be astounded. Not to the mention the labor rates, which are based on a book. Seems fair right? If your garage uses the standard labor rates, that’s just what it costs to get it fixed. Not so fast, Let me tell you a recent story about car repair that made me want to write this article.
So, apparently people don’t want financial advice as much as they do fashion advice. At least that’s what my site stats tell me. My article about the essential mens clothing items is by far my most popular. That doesn’t mean I am going to make this a fashion blog , but I have been sitting on this information since I posted that blog a while back. Just to be clear this is not my own personal work on all of this. I compiled information from several sites and combined it into one, I will post a link to the articles I pulled from. I added my own commentary but many of the main bullet points are from these articles. I pulled what I felt were the most important/relevant/entertaining.
20 Style rules for men
It has been a while since my last post, I wish I was able to keep up posting better. I am almost finished with the semester and hopefully this summer I will be able to do a bunch of blogs as I will not be taking summer classes. This semester has been pretty rough, 10 credit hours to go along with working full time and 2 kids. The credits may not sound like a lot, but because it is split between 4 classes (Bio and Chem each with labs) it made for a rather difficult schedule. Luckily my employer was willing to let me work around it. But this meant coming in at 630 am and working until 5 Monday through Friday going to class in between on most days. Then I hear a story about a guy going back to school at 35 with 3 kids, working 2 jobs, and took 65 credit hours in a year in order to apply to med school. Then I realize what I am doing isn’t THAT hard. I am fairly confident I can pull an A in chemistry but I think a B in Biology is more realistic. There goes my 4.0 only 2 semesters in. Oh well, enough about school. My wife is still being awesome and staying home raising our two children while I am gone more than I would like (Shout out). They are both growing really fast. Anyway, on to the blog.
Last time around when I was in college I didn’t have an iPhone or iPad. Now I have both and it has made my studying so much easier. I wanted to write this blog about 2 apps that completely changed my college experience, in class and out.
- Pay attention to clothes care and wash instructions and follow them, especially for your nicer items.
- Compare prices, it takes 10 seconds to copy and paste your item into google search, amazon, or ebay. Play it safe and check all three. No reason to pay more if you don’t have to. Always check for coupon codes as well.
- As always, stick within your budget, you do not have to buy the super expensive brands to get a quality product. That being said you do usually get what you pay for, so for these essential items be willing to spend a bit more than usual and get something that will last. In the end you will spend less because it will last much longer than it’s cheaper counterpart.
- Hit the Sales! Stores like Banana Republic and Express have items on clearance in store and online at a fraction of the original price. Great time to get deals. My wife and I recently went to Banana Republic and found very nice shirts and sweaters for $10-$20 a piece after the discount.