Money

New iMac On The Way!

Thursday, May 1st, 2008

After almost four years of abuse my 15″ PowerBook G4 - nicknamed the Powerbook of Doom - is finally confined to an almost exclusive desk job. The logic board is failing (one memory slot doesn’t work, a fan is out, and the processor is unseated slightly). It’s a single core 1.5GHz IBM. PhotoShop CS3 eats it for breakfast. It can only be used at an angle. It’s enough to finally send me to Apple.com to replace it.

So as of 2:00pm today my new 24″ Intel Core2Duo 2.8 GHz, 500GB iMac is on its way. It’s gonna help me in being more efficient editing photos, websites, and video. The “crunch time” is going to be decreased greatly. Plus, moving from an 80GB drive to a 500GB drive gives me lots more room to keep my music and the like all on one hard drive.

I bought it refurbished (the only way to go). It cost $700 less than a new one with the same specs and carries the same exact warranty. Most likely it was a store model or even just sat on the shelf too long. Either way, I got a current Mac for 31% off retail.

It should be here next week!

I Just Ordered a 24" iMac

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Free SeaPak Shrimp Cookbook and Culinary Tour of Las Vegas

Wednesday, February 13th, 2008

I just saw on Food Network that SeaPak, a local seafood company, is joining with Food Network to offer a culinary tour of Las Vegas. Interested, I headed to seapak.com to see what was up. I entered but also saw they are offering a free shrimp cookbook. So, I filled out the form for one. It is supposed to arrive in a couple weeks.

Who knows, maybe I’ll win the trip to Vegas. But at least I get a free book.

Why not sign up and get your own?

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Dave Ramsey Would Be Proud: Brand New Freezer 40% Off

Sunday, December 16th, 2007

Tonight Amanda and I went to the local mall to do a little shopping for Christmas. We decided to look in Sears just to check if there were any deals to be had. Good news! There was!

We went to the appliances section to look for scratch-and-dent items. We’re not cheap, but we avoid retail prices like they were the plague. Truth be told, an appliance with a dent works just as well as an appliance without a dent in most cases. So why not save a few (hundred) bucks?!

We asked if there were any chest freezers with cosmetic defects and guess, what? A 9 cubic foot freezer with a dent on the lid was right there begging us to take it home. Not to show too much emotion I asked a couple questions and moved on down the aisle. I wouldn’t want to look like I had taken the bait and fell in love with it, would I?

The first pass put the originally $299 freezer at $209. In other words, a $90 dent. I thought that dent was worth more. I also found out that Amanda’s dad said he would pay for part of it as a Christmas present. Good news for us.

Second pass with the sales associate I asked if he could sell it to me for $150. I knew it was a low-ball, but it got the negotiations going. He said $209 was the lowest he could go. I said “Oh well”. Then he decided that he might could go lower. The might ended up being another $20 off. Good. We’re at $189 now. Still not good enough. So I decided to take another lap around the store just to think about things and to break off the flow of the associate. It’s a game I know, but it’s fun to play.

Third pass about thirty minutes later he told me that $189 was his cost. Yeah right. My hesitation sent him to the back offering another $10 off. $179 it is… sold! So I got a brand new 9 cubic foot chest freezer for 40% off. Not bad. I might could have gotten more off but that would have taken other tactics I didn’t feel like going into. I’ll settle for $179 for a $300 freezer.

Thank you, Dave Ramsey, my mom, and my small group, for helping me learn these things. I seriously suggest that anyone who can go through Financial Peace University or read The Total Money Makeover (both by Dave Ramsey) do so. The things I learned through it let me save tonight over twice the cost of the course and materials.

So next time you are faced with a retail *gasp* price, ask for a better price. Trust me, there is one.

Any good money saving stories out there?

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Christmas in Action: Serving Your Community This Holiday Season

Tuesday, December 4th, 2007

I feel funny about blatantly posting another’s writings on my blog but I want to ensure it will stay around even if the site I got this from goes away. That said, here’s as many creds as I can think of… RELEVANT Magazine sent an article out in 850 Words of Relevant from an author named Jason Boyett that is adapted from a section of his book called “Cheap Ways To…“.

Now on to the post.

I can’t say it better than Jason on this matter, but let me reiterate the fact that Jesus called us to minister beyond the walls of our church and beyond the people we already know. In fact, James tells us in verse 1:27, “Religion that God our Father accepts as pure and faultless is this: to look after orphans and widows in their distress and to keep oneself from being polluted by the world”. Looking out for those who can’t look out for themselves DEFINES our religion.

He calls the title “Christmas In Action”. Let’s break that down. “Christmas” means “Christ Coming”.

Let’s be the hands and feet of Christ so that through us, He can come in action again.

That said, here are a few ways to make our religion effective, pure, and faultless this Christmas season.

Christmas in Action

Serving Your Community This Holiday Season

‚ÄúGive a man a fish and he‚Äôll eat for a day. Teach a man to fish and he‚Äôll eat for a lifetime.‚Äù No doubt you‚Äôve heard the axiom before. It‚Äôs often used to condemn no-strings-attached giving to the poor. Clich?© or not, it paints a nice picture. Unfortunately, the saying only pains half the picture‚Äîit‚Äôs great to teach a man to fish, but if the man has no fishing gear and no water nearby, how do you expect the knowledge of how to fish to do anything for him?

That’s the plight of the poor. As it is for millions of people across the planet, poverty is a problem in the United States as well. And while dealing with the problem of poverty involves “helping the poor to help themselves,” we need to remember that such a solution is long-term. What are we to do in the short-term? You can’t alleviate the problem by yourself; no one can. But what you can do is distribute some grace to your corner of the world. The thing to remember is that helping the poor isn’t just about donating money. It’s about meeting needs.

The holidays are always stressful, and it’s easy to get consumed with buying presents, traveling and spending lots of money on Christmas-related activities. But December doesn’t have to be a time that we forget about those in need. Here are several ways you can reach out to the needy this Christmas season:

HOMELESS SHELTERS
If you live in a city of any size, there is probably at least one homeless shelter that helps people with meals, beds, hygiene and other services. Most shelters welcome volunteers for a number of activities, from preparing and distributing meals to working in the business office.

FOOD BANKS
Surveys indicate up to 40 percent of people serviced by community food banks at one time or another, had to decide between eating and paying rent. If that’s a decision you’ve never had to make, why not find a way to help out? Community food banks are instrumental in assisting the poor in your community, particularly around the holidays. They employ volunteers to sort and collect salvaged food (much of which comes from area supermarkets), distribute bread, manage inventory and perform office tasks. You can help by doing the above or by organizing and giving to inventory builders like canned food drives.

HABITAT FOR HUMANITY
Since 1976, Habitat has built in excess of 100,000 simple houses across the world for families lacking adequate shelter. A non-denominational, non-profit organization, Habitat sells its houses via interest-free mortgages. The homes are built by the homeowners themselves and a team of volunteers. If you have any sort of construction, electrical or plumbing skills, you’re exactly the kind of volunteer help Habitat needs. For those who don’t know a Philips from a flathead, Habitat projects provide a fun, unintimidating environment to learn—all the while helping a very appreciative family. Contact your local chapter, or visit www.habitat.org.

CLOTHING & NECESSITIES
Most of us have far too many clothes—in our closet, stuff we haven’t worn in years. When you run out of space, resist the urge to sell your old clothing on consignment or in garage sales. Instead, donate it to a charity like the Salvation Army or its equivalent. My wife and I worked one weekend a few years ago with a downtown women’s center, the kind of place where battered women stay until they get their lives back together. We discovered the center was always in need of decent women’s clothing, in addition to baby supplies and kids’ clothes. After that weekend, Aimee cleaned out her closet immediately. If you have a full closet or baby clothes you’ll never use again, why not give them to someone who’ll treasure them?

BE THOUGHTFUL
I know many kind people who just don’t feel right about giving money to the homeless, worrying that they may be paying for an alcohol addiction or their next drug fix. But the truly compassionate still find a way to give. I know of one elderly lady who has begun collecting coupons or gift certificates for free meals at local restaurants. She keeps them in the ashtray of her car, and is happy to pass them along to the hungry. Once, my sister, who was 16 at the time, was moved to tears by the sight of a small family on the street corner with a sign that read, simply, “hungry.” She had no cash on her, but told the family to wait five minutes. She sped home and made peanut-butter-and-jelly sandwiches out of an entire loaf of bread, shoved the sandwiches back in the bread sack, and returned to the family. Tears were shed on their end, too.

BE KIND
If you have a chance to interact with the needy, make a point to talk to them like you would any individual—your neighbor, a business associate, a family member. Often, there’s no better gift than the feeling of worth and civilization they feel when someone treats them like a real person. I once read a newspaper feature on the homeless, in which one of the individuals profiled said something I’ll always remember: “You don’t think I feel like crap when a generous person takes me into a restaurant and feeds me? Here I am in the clothes I wore yesterday and smelling like trash. But you can take my mind off that by speaking nicely to me and not looking down on me.”

The poor aren’t just looking for money. They’re looking for understanding, significance, a human connection—gifts to which no dollar amount applies.

To see more about ways to get involved in service projects this Christmas check out this article from Cameron.

This story was adapted from Cheap Ways To… (RELEVANT Books).

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Holiday Shopping Strategies, Hacks, and Tips

Saturday, November 10th, 2007

I was doing a little browsing tonight of Wired Magazine and found this article entitled How to Hack the Holidays and Score the Best Deals Online. Not only does it have good tips but also provided links to pre-releases of the Black Friday shopping ads from major retailers such as Circuit City, Wal-Mart, Office Depot, Best Buy, Toys-R-Us, and others.

The best site I found on that list was Black Friday Ads 2007. It has categorized listing of the deals as well as scans of the ads. There was also TheBlackFriday.com, which has less features but much of the same info.

Also in this article were links to sites containing coupon codes to enter at checkout on many online sites. These were Retail Me Not and CurrentCodes.

So, go read the Wired article and save yourself some money! If you’re a Dave Ramsey fan and follower like I am, or you simply like to get a good deal, this is for you!

By the looks of things, I’ll be at Circuit City at 5 am on November 23. Will you be getting up that early? Where do you plan on standing in line? Let’s hear it!

UPDATE: Amazon.com will be having its own Black Friday sales. Wanna see what’s for sale? Click that link –> Amazon’s Black Friday sales.

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