#im not spending 5 dollars on a silly item that i dont even get to reuse

[usashirtstoday]

Back Cat I Actually Dont Need To Control My Anger Everyone Around Me Needs To Control Their Habit Of Pissing Me Off

Excited to be coming back to arthur ashe kids’ day at the Back Cat I Actually Dont Need To Control My Anger Everyone Around Me Needs To Control Their Habit Of Pissing Me Off usopen on august 26th in new york playing for the roger federer foundation get your tickets to join the fun aakd. Bruce and the e street band recorded two of the tracks from chimes of freedom on this day 30 years ago this live ep is back on vinyl exclusively as part of the album collection vol 2 1987 1996 available next month. Tag a mom friend who s the only got 20 minutes to shop on my lunch baby shower gifter bundles baby place has got her back with our coordinating outfit sets multi packs shop girls bundles baby place Back Cat I Actually Dont Need To Control My Anger Everyone Around Me Needs To Control Their Habit Of Pissing Me Off

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So this is going to be a Back Cat I Actually Dont Need To Control My Anger Everyone Around Me Needs To Control Their Habit Of Pissing Me Off bit long but bear with me I had what I believe to be a pointless and incredibly frustrating experience with the assistant manager jamie at your auburn hills great lakes crossing location today I have been coming here for three years I frequent your orlando san marcos and new jersey locations as well at least once a year when we stop we usually spend 5 to 10 thousand dollars on your products the system is simple I go in park in a corner and bring bins to my corner sort them bag them move them to the front register and repeat today I brought a personal duffel bag as it holds about 8 to 12 of your bags worth of stuff I get told that i’m not allowed to use it because it’s policy not a big deal at all I say okay i’ll do that for the rest rather than rebag all of this i’ll just go up in line and pay for it and it can sit behind the counter seems pretty reasonable to me nope I got obstructed suggested that I might be stealing something and not allowed to pass stating if I don’t want to follow the system I can leave he then takes my entire duffel dumps it onto the floor and then rebags it into victoria secret bags then moves it to the front counter so it can be rang in I thought this was a little odd but hey he was doing all the work rebagging it so whatever i’m like dude i’m going to be spending about 8k today all I want to do is come in spend some money get out without any drama what’s the problem whoevers in charge should be thrilled with a sale like this we’re spending 8k keep in mind that I told him that I would do what he wanted and it wasnt’ a big deal and the response was to the effect of stop being lippy and just listen I told him what do you want from me I just agreed with you and said I would use your bags i’m not being lippy at all I know this because I said okay dude not a problem i’ll use your bags his response was maybe if you get to buy it i’m like what are you suggesting that an 8 000 order is something you guys don’t want he’s like yeah if you buy it i’m like dude we are spending 8k today why would I bag up a bunch of stuff and spend 2 3 hours picking our your fabulous product to not buy it anyway so I had 4 credit cards one card had 2 000 one had 3500 one had 2000 and one had 1000 because I am buying for multiple people I had 4 different cards all in my name I wanted one receipt for each card not a big deal to me right wrong again he cited some policy and said if the order is more than 750 items that they aren’t allowed to ring in under 750 items on any one receipt id like to point out that that amount is higher than your employees said they could take as a cash payment I asked him to please show me that I would understand better if I could just read it he was willing to do so he brought out the policy book and to my surprise what it actually said was words to the afffect of cash payments cannot be split up or over 750 items I forget the second half my immediate reply was so what’s the big deal im using credit not cash he snatched the policy book away from me at that point and said you know what you can just listen to me or I don’t have to let you buy anything it’s up to my discretion I then called your orlando outlet and your new jersey outlet and talked to the store managers and cited your policy I was given I asked them to confirm if that was accurate and both said if it was a policy it was news to them I then asked if they would let me buy my order using 4 cards and 4 receipts the woman at orlando said oh my gosh yes we do that every single day I asked if I went to her store if I would have any trouble with this in the future and was told no then she said you can always come down here if you’re in the area and i’ll be happy to take your order after that phone call I tried again here’s the video of that attempt I said listen I have 4 credit cards your register girl said you told her she can’t ring up an order under 750 items that’s 3500 if it’s 5 items not all of my cards have that much I have done multiple receipts every time I came here heck I can even supply them to show it he tells me that because I am order so many items that I can’t have less tan 750 items per receipt so I point around to everyone else and ask what about everyone else you aren’t forcing them to spend a minimum of 750 items what about the final charge i’ll have 750 items for two tickets but the leftover isn’t going to be 750 items you’re not going to let me buy them he shrugged his shoulders to say no at this point I haven’t yelled ive been a bit snarky and sarcastic because I know he’s just giving me a hard time two people ring in our order almost every time I am up there and we were there 3 times in the last 6 months spent a bunch each time so at 730 8pm or so we are done shopping assuming that two people could ring us up ended up being a fantasy he forced one employee only to ring us up later on he comes up when its now close to 9pm and says hey you mind if we ring you up on both registers I chuckle and say no I don’t but you do you don’t want to be breaking that 750 rule do you he glared at me and then sent the employee away and walked off after blinking a few times I laugh because after telling me over and over he couldn’t do it he just got caught trying to do what should have been done to begin with a short while later after 9 I find out that everyone is standing uip front except for the one girl and another associate because none of the rest of them are allowed to help her ring us up the only two people left in the store with about 700 more items to be rang in if that’s not enough since it was a holidy all of these employees are apparently being paid overtime to stand around and wait at a bit after 10 all but two girls leave and one girl is waiting to count cash while the other girl sits and keeps ringing stuff in we apologize profusely we expected two employees to ring us up like always and timed our visit to be out around 9 if this had happened instead of having one literally stand there and watch her for 1 hour and 47 minutes after close we would have all been out on time and no overtime or extra hours spent so finally at 10 47 pm our orders are done we thank the lovely girl lauren and jasmine who got stuck staying 2 hours past close because a manager made up some random policy and had to double down when I pointed out he really needed to follow that 750 rule when he was going to toss another girl on the register if this is policy fine it doesn’t seem to be no manager at your other outlets knew what he was talking about the orlando one insisted that the only restrictions are on cash payments and verified I was paying cash or credit it’s a pretty humiliating experience to get hassled trying to buy panties and bras by someone who’s on some type of power trip the only thing I said sideways to him was that I flat out didn’t believe his policy and that credit absolutely is not the same as cash I didnt call him any names scream at him or did anything to disrupt the store beyond what you see in the videos if this is not policy i’d like an apology from that manager in person or over the phone admitting he was mistaken I would hope that the next time I go there I am not hassled but if not I guess there’s always orlando or new jersey who seem to be quite friendly I also want to give recognition to jasmine and lauren lauren is the poor soul who got stuck ringing everything in alone because of the manager’s silly rule and not allowing anyone to help because it would be in violation of the 750 item rule jasmine was the cash counter who had to wait until we were out of the store to count cash even more interesting is that I had a former employee with me helping me buy and she said she never heard of this policy either but it doesn’t mean it wasn’t added since she left she was just as confused because the manager spent over 30 minutes trying to explain and defend this when that time certainly would have been more efficiently spent doing productive things instead of hassling someone who literally sits in a corner and speaks to no one while sorting through your products one bin at a time id love a call back about this or to find out what exactly is going on ive never been hassled like this before and it was a little frustrating and very trying to keep my cool joe rossetti alexandria gunn. 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[themoneybuff-blog]

Questions About Fuel Efficiency, Savings Bonds, Materialism, and More!

Whats inside? Here are the questions answered in todays reader mailbag, boiled down to summaries of five or fewer words. Click on the number to jump straight down to the question. 1. Trading up for fuel efficiency 2. Average age of credit accounts 3. Switching to one vehicle 4. Found this great stock! 5. Canadian pharmacies 6. The rental lifestyle 7. Investing in treasury notes 8. Toaster oven purchase 9. Series EE savings bonds? 10. Spotify worth it? 11. Library book sale excess 12. Books on curbing materialism I regularly spend a lot of time thinking about ideas that are really useful in shaping my life as a whole, with personal finance as a significant part of that life. The challenge for me is relating those ideas in a context so that their value to my financial life is clear. I basically see life as a series of interconnected areas. Physical health. Mental health. Focus and concentration. Spirituality. Intellectual ideas. Marriage. Parenting. Key social relationships. Community relationships. Hobbies. Finances. All of those things are interconnected. All of those areas have at least one strong connection between each of those other areas. Your finances do not live in a bubble. I could literally write an article on the connection between any two of those things. In fact, I might actually write an article about each of those areas and how they connect to finances. Because of that perspective, when I find an idea thats really useful in one area, it turns out that the idea is often useful in many other areas as well because it tugs on those connections. For The Simple Dollar, Im interested in all of those things, but Im particularly interested in exploring that areas connection to finances and how that improvement lifts up ones financial state. That goes alongside topics that are focused largely on financial benefits, like frugality topics. The truth is that if I didnt see those connections to finances and I didnt realize how much the other areas of my life support good healthy financial habits, financial independence would be a far more difficult journey. While the actual mechanical steps for improving ones finances are easy, maintaining them requires strong connections and support from the other areas in life, which is something Ive really come to appreciate in recent years. Its all connected. On with the questions. Q1: Trading up for fuel efficiency I am trying to make a decision about trading in my vehicle for a more gas efficient one. My daily driver is a Jeep Wrangler and while I enjoy driving it, it isnt so great on gas mileage. I currently relocated to California where gas prices are higher than my previous home in Texas. With my commute to work alone (approx. 40 miles) I spend about $100 a week on gas. My Jeep is paid off, but Im wondering if it makes sense to trade it in for something that does a little better on the gas mileage front. Crunching the numbers, it makes sense to think about trading it in but I really enjoy having the vehicle. Any suggestions on making a decision about getting rid of something you love for the greater good of saving money? Rick Based on my guesstimation as to the age of your Jeep Wrangler, it looks like it gets about 15 miles per gallon on average. That lines up well with your $100 a week in gas costs given your commute and the assumption that you use it for a few other things. If you swapped it for a Toyota Prius, for example, your fuel costs go down to about $30 a week, as a Prius approaches 50 miles per gallon. Over the course of a month, thats about $280 in savings. Its probably going to be cheaper in terms of insurance, too. The thing Id ask myself when comparing the Jeep and the fuel efficient car is what exactly you get out of the Jeep that you wont get out of the fuel efficient car, and is that difference worth $300 a month to you? That is the lens through which I would evaluate that purchase. What I usually find in situations like this is that the lower cost item often has much of what I like in the higher cost item and breaking it down to paying a lot of money for relatively minor features seems silly. Its also worth noting that you actually have more options here than just keep the Jeep or sell it and get a very fuel efficient car like a Prius. You also have the option of moving closer to where you work which saves a lot on fuel regardless of what vehicle you have and cuts down the time invested in your commute. You might also look for work closer to where you live if moving isnt an option for some reason. There are lots of things to consider here. Q2: Average age of credit accounts Instead of opening a new account which would lower the average age of my credit accounts, should I increase my credit limit on a secured card? Currently it is at $800. I could deposit another $200-$300 to raise my limit. Stephen Its not the average age of your credit accounts that really matters in terms of your credit score. Its the age of your oldest active account that matters. There is a minor negative impact on your credit score from opening a new line of credit, but its minor and short lived. Often, that impact is counterbalanced by having a better debt-to-credit ratio (meaning the sum total of your credit card balances divided by the sum total of your credit limits). If you open a new card with no balance, your total credit limit goes up but your debt stays the same, this improving your credit score (this only works to a certain extent, but will definitely work if youve only got one card and are opening a second one). In your shoes, I would definitely open an unsecured card if youve been handling the secured card well for a while. I wouldnt close the secured card for a while, though. Leave them both open, then close the secured one (and get your deposit back) in a few years. Q3: Switching to one vehicle While evaluating my year-end financial moves, I wondered if I could switch down to one vehicle to cut expenses. A Google search led me to an article you wrote on eliminating one car. Id like to give you some information and get your thoughts on it. I live alone and travel regionally for work. I bought my second vehicle in late 2017 to tow a trailer with my sons racing kart. I can probably drop the full coverage insurance on the vehicles to save some money. I have a 2010 Honda Civic with 248,702 miles on it. I get about 32 mpg and drove 34,529 miles last year. I had $1933.36 in necessary repairs last year. The 2018 annual insurance was $467, the 2019 cost is projected to be $594. I also have a 2006 Honda Ridgeline with 147,422 miles on it. I get about 20 mpg when I am not using it to tow and drove 4,851 miles last year. It may be higher but I only used it when needed. I had $572.07 in necessary repairs last year. The 2018 annual insurance was $148, the 2019 cost is projected to be $301. Kevin If you think its possible with your lifestyle to cut down to one vehicle, you probably can do so. Its usually professional constraints or other life constraints that keep people from being able to pull it off, so if you dont see such an issue in your life, you can probably do this. The big issue I see is that the Civic is going to be far better for commuting, but the Civic cant tow. Do you have any other option for towing that cart? Do you have a solution in place for what the Ridgeline does for you if you drop it? If you do (or if you come to the conclusion that you dont need the towing ability), then Id drop that Ridgeline like a hot potato and keep the Civic. As many miles as youre driving, the fuel efficiency of the Civic is going to save you a ton of money on gas versus driving the Ridgeline that much. I think that if you drop the Civic and keep the 2006 Ridgeline and put almost 40,000 miles a year on it, the gas costs are going to be stupendous. My back of the envelope math says youre better off keeping both cars as they are right now rather than switching to an all-Ridgeline solution. Q4: Found this great stock! Heres a brain teaser for Trent: My boyfriend bought shares of MORL about two years ago and put it on automatic DRIP. Now he gets about $600 a month on average gross. I studied this stock and I just dont really understand it, but it seems like its just about like printing money!! But if it is so great why isnt everybody in it? So dont publish this on your Q&A thing, because I want to keep this quiet. Not looking for a pump and dump scenario, just wondered your thoughts on it. Anna MORL is the stock ticker name for UBS ETRACS Monthly Pay 2xLeveraged Mortgage REIT ETN. Basically, its a bundle of mortgages put together by UBS using borrowed money. Imagine that someone borrows $100,000 to buy an investment. They owe interest on that loan, but theyre fine as long as the investment offers a better return on that loan. Now, imagine you used that investment as collateral for an even bigger loan, which you then used to buy control of mortgages, so that people paying their mortgage bills are actually now writing the checks to you. You can often buy mortgages at below face value a $200,000 mortgage might be on sale for $150,000 or whatever if someone needs money fast, so if that mortgage ends up getting paid off, you make $200,000 plus the interest over the course of a few years. This is a great way to multiply your money, but its really risky. If enough people stop paying their mortgages, you are in bad, bad shape because you cant afford to pay the interest on the loans you have. The whole thing falls apart. Thats what MORL is. MORL is an extremely risky investment that only works well while the housing market is stable and interest rates are low. Its double-leveraged and uncollateralized housing debt, which basically means that if people were to suddenly have difficulty paying their mortgages (like what happened in 2007 and 2008) MORL is going to tank hard. Double-leveraged essentially means it rises twice as high when things are going well and falls twice as hard when things are not going well. I would not hold that investment for anything I was relying on for the future. If youre playing around with investments with money you can afford to lose, sure, but thats basically to gambling. Q5: Canadian pharmacies Im curious about your opinion on Canadian (or other foreign) pharmacies. My husband used them back in the day while caring for his mother. I tried one or two and wound up (computer) virus laden. Are there any good sites for Canadian pharmacies? Is it better to go straight to Canada for better prices? Doug So, heres the deal. Bringing prescription drugs into the United States from Canada is illegal under the Prescription Drug Marketing Act of 1987. However, because of the vagaries of having to deal with every special case of people living along the US-Canadian border, the DEA and the border patrol do not really enforce the law provided youre getting 90 days or less of a prescription filled and its not a narcotic. Basically, they just look the other way because its easier than dealing with the specifics of a case and the bad press that would come from taking away an 87 year olds arthritis prescription or a diabetic persons insulin. To exploit this loophole actually, just an unenforced law a lot of online pharmacies have popped up supposedly dealing in Canadian pharmaceuticals, but a lot of them are pretty dodgy. Theyre already doing something illegal but unenforced and its a market that reputable companies will largely stay out of because the whole thing relies on the US government not enforcing its laws. You may be able to luck out and find a reputable seller online, but there are a lot of sharks in the water because its actually illegal. Id avoid it unless youre actually going to Canada and buying the prescription drugs in person there, buying a small amount, and then coming home. Even then, youre breaking the law, but its a law thats not been enforced for a while. Q6: The rental lifestyle We are at retirement age and are thinking about buying a 5th wheel as our home for a number of years, as we are late to the savings game. It seems that used vehicles are the same price as new, and all of them expensive. What do you think about this alternative lifestyle choice that doesnt include real property? Amber It seems reasonable. I have met many people who have retired to a camper or a trailer. Many of those wind up parking semi-permanently at a campground and serve as campground hosts, so it doesnt seem like that unusual of a choice to me. (This shouldnt be surprising our family goes camping somewhere probably half a dozen times a year.) I think the key is to be sure youve priced everything out and be open to part-time work, both as a way to make ends meet and as a way to fill your time. I also know a lot of retirees who find themselves without much to do to fill their hours once theyre retired. If it seems appealing and the math works out, go for it. Thats my advice. Q7: Investing in treasury notes Question for you: I recently recovered some unclaimed property that I had lost to the state 12 years ago that they sold 8 years ago. I lost dividends for 12 years and lost the value the stock rose after it was liquidated. I wish to make up for my mistakes, so I was thinking of investing the money in T bills as I could use more stable investments. Do you have any opinions on T bills? Amy My feelings on US treasuries are that theyre about as stable as can be in terms of an investment but the returns they offer are really low these days, so low that theyre often matched by savings accounts. Theyre rock-solid and they do offer a tiny return thats as guaranteed as can be in this world, but the return is so small that I would not bank on them as a long term investment. You dont want to lock your money up for many years in treasuries that are returning less than 3% unless you truly need something rock solid. At this point, Id probably just put the money in a savings account or a money market account instead and buy them when interest rates rebound. The question of what kind of stability you need in your overall investments is something I cant judge without seeing your full portfolio. Q8: Toaster oven purchase Im hoping youll evaluate a recent purchase using your buy it for life philosophy. This detailed evaluation is overkill for a single, cheap purchase, but it would be valuable to have a good strategy for similar future purchases. I needed a new 4-slice toaster oven and decided to buy one at Walmart during a weekly shopping trip. Given the low price, I couldnt justify spending the time or gas on a trip to another store. I also didnt think Id find many quality online reviews of sub-$30 toaster ovens. The options that satisfied the size and features criteria were a $20 Mainstays brand model or a $25 Black & Decker brand model. I was skeptical that the Black & Decker model would last 25% longer, or be 25% more effective. Second, a toaster oven is relatively simple I doubted there was any game changing technology that B&D incorporated into this model that the cheaper version lacked. My cynical mind also suspected the B&D model was only branded as such after being manufactured in a random factory. I bought the cheaper model. What would you have done differently? Kevin I would have bought the cheaper model, but I would have probably waited a week and scoped out the local Goodwill first and bought whatever I could find there, as you can usually find toaster ovens there. Aside from the Goodwill caveat, I basically agree with your way of thinking. I might have done some homework on toaster ovens beforehand by looking at Consumer Reports or other guides, but honestly, theyre simple devices to perform a simple task and arent overly expensive, so youre probably fine in this case. While I have no evidence for it, youre probably right on the relabeled Black and Decker. Many items like this are functionally identical inside and have just a slightly different case on the outside. There really isnt a whole lot of variance in toaster oven internal parts. Q9: Series EE savings bonds? I have been buying series EE savings bonds for my grandson for years. My son says that theyre not a good investment right now and that a better gift for his future is to contribute to a 529. Thoughts? Amber I agree with your son. Series EE get very low returns right now; theyre best in environments with high inflation and high interest rates, neither of which is true at the moment. With a 529, the money can be invested more aggressively for much better long term returns if the account manager so chooses. My only qualm here is the gift horse in the mouth issue. I hope that this discussion was a tactful one. Its hard to say from the description. I consider complaining about a gift to be a pretty rude move. If you have a relative giving savings bonds and would rather they contribute that money to a 529 for your childs future, thank them for the bond, wait for a while, and then have a conversation with them about how youre saving for your childs college education. Mention that anyone can contribute to the fund, but let the gift-giver decide what to do with their gift. Its their choice, not yours. Q10: Spotify worth it? I used to listen to the radio constantly. There used to be a radio station near here that played great music of a wide variety, from rock to bluegrass. The station was sold and now plays modern bland country music. I have tried listening to other stations but havent found anything I like. Considering trying Spotify or XM but wary of adding a monthly fee. Are they worth it? Ashley We have a Spotify account that we use as a family. It is often being streamed through speakers in our family room or in our daughters bedroom. My feeling is that such an account is worth it if you listen to a lot of music and want it to just stream and mix up song selections on its own without ads. If you dont listen very often, I wouldnt subscribe. My suggestion would be to try Spotify with a 30 day trial offer heres the link. Set a reminder on your phone 27 days from now that reminds you to cancel it if youre not using it. Then, install the app and try using it as you would a radio. My best experience has been with an inexpensive Bluetooth speaker. Q11: Library book sale excess Our local library has a book sale every year where you can go in on the last day and fill up a box for $2 which I have done for years. I finally realized that I had filled up half of our spare bedroom with books Ill never read from those sales. I would end up grabbing 4-5 that Id actually read and 40 that I wont. What do I do with all of these books? I dont want to throw them away. Anna My first suggestion would be to have a super cheap yard sale. If your town has a community wide yard sale, announce that youre selling books, put them all out there for a quarter each on the first day, then knock it down to a dime each the second day, then a nickel each the third day. People will clean them up if you advertise it a little. Another suggestion is to start dropping them in little free libraries around town. Just take some with you and whenever you see a little free library, stick one or two of those books in there. Itll put that book in the hands of someone who will read it. If nothing else, you can always donate used books to Goodwill or the Salvation Army. Theyll almost always accept used book donations. Q12: Books on curbing materialism Something Im struggling with is my relationship with stuff. Ive been thinking about it a lot lately. I think I feel like to some extent that my worth as a person is tied up in the stuff that I have, like I cant really enjoy books without a large personal book collection or I cant really be a good home chef without a lot of kitchen gear. The thought of getting rid of stuff really hurts because I feel like Im agreeing to be worse at something or less at something. I think this is a feeling youre familiar with. Do you have any advice or any books on how to curb this way of thinking? I need to stop accumulating stuff and start downsizing. Jim The easy answer would be the ever-popular Marie Kondo book, but I think youre asking a somewhat different question than what shes answering. I have three suggestions for where I think youre at, ranging from the more practical to the more philosophical. The first is The More of Less by Joshua Becker, which is definitely the most practical of the three books Im suggesting here. Beckers key argument is that owning too much stuff keeps you from the experiences you want to have because youre constrained by space and clutter. Thus, take the approach that even a small fraction of your stuff represents more than a lifetimes worth of experiences and pass on the remainder to those who will value it. It only takes a small fraction of the stuff you have to represent your life. The second is Goodbye, Things by Fumio Sasaki, which is in the middle in that its a mix of philosophical and practical. This book, to me, focused on the connection between your sense of well being and the environment you inhabit and how that interconnection flows both ways. While it dives into practical steps, it focuses on how those steps reveal and promote a symbiosis between your own well being and your immediate environment. The final book is very philosophical Erich Fromms To Have or To Be? Fromm steps back from the practical but rather dives in a very thoughtful way into why we accumulate things. His argument is that we do so because we view them as a shortcut to a particular type of experience we yearn for, but that the item often serves as a substitute for that experience, an empty calorie that leaves us unfulfilled. This book ends up being an argument for experience rather than possession and I found it to be the most convincing but least directly practical of the three. Read this one to feed your thinking and inspiration; read the others for more connections to practical steps. Got any questions? The best way to ask is to follow me on Facebook and ask questions directly there. Ill attempt to answer them in a future mailbag (which, by way of full disclosure, may also get re-posted on other websites that pick up my blog). However, I do receive many, many questions per week, so I may not necessarily be able to answer yours. https://www.thesimpledollar.com/questions-about-fuel-efficiency-savings-bonds-materialism-and-more/