February 12, 2010
Well I have had my Iphone for two weeks now and I still love it. I like just about everything about it, and I have had no trouble with the AT&T network save for 1 call that did not get connected the first time. There are lost of things I like about it, and a few that I don’t.

The Touchscreen: its actually super easy to use, and the software is smart enough to know when I tapped the screen by mistake. Typing takes a little getting use too espically in the portrait orientation.
Email: I have never had a smart phone before, so getting the Iphone was like going from a 1987 Ford Fremont to a band new Lexus. I had my first “Iphone moment”. We have had a fair amount of winter weather recently, and I was wondering if my classes were going to be cancelled. I did not know the schools weather hotline number, but I knew I had it in my emails. With in seconds I pulled up the email, tapped the number and found out that I did indeed have to go to class.
Apps: They make apps for everything of course and some are just so dang useful you wonder how you ever got around before. I could try to explain the awwwesomeness that is the Iphone Apps, but it is just something you have to experience yourself.
The Camera: again, just so easy and convenient to use. Most pictures I want to take I am not going to hang in a studio, so the need for a 10MP photo is moot. Here is a hint, the apps utilize the camera in ways that I never thought possible.
Cost: Now this is something I don’t like! I got my first bill for $124 this included some prorated charges as well as an activation fee. Cell phone plans are not cheap for any phone and since I think this is the best phone that money can buy, it is justified. So the cheapest plan with unlimited data and texting should run $85ish a month.
Final thought: Zero buyer’s remorse.
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Posted by fubar1383
December 24, 2009
I figured I would get it out of the way early this year. Usually I am Mr. Responsible; I buy the right sized house, a used affordable car, pay my bills on time and generally don’t splurge on luxury items. 2010 is going to be a little different, after having a good 2009 and really starting to balance out this whole homeowner thing I find myself needing (read: wanting) a new cell phone.
Oh not any phone, I must have a smart phone. Oh not any smart phone I must the most expensive and most advanced phone out there. I must have the Iphone.

The Iphone is of course the culmination of everything that Apple does well; it’s a computer, Ipod, and phone all tucked into a tiny device that actually works quite well. You can surf, listen, or talk on this expensive device.

Now I am pretty responsible and I have been hearing lots about prepaid cell phones in the blogosphere. They are cheap to purchase and easily replaceable. They require no contract, are pay as you go, and really only make calls. I would highly suggest this type of phone for my grandparents or someone who has limited monthly usage.
So let’s do some cost comparison here:
Cost Monthly cost Termination cost.
Iphone $200 $90 $250
Prepaid $40 $40 $0
So over a 2 year period:
Prepaid cost: $1000
Iphone cost: $2360
That is actually not as bad I was expecting, the Iphone would cost around 2.5 times more then a prepaid barebones phone would over the 2 year contract period. Figuring in the benefit of web-browsing, email, texting I would say that the value received by those extra services probably about equals the cost difference of these phones.
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Expenses, Liabilities |
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Posted by fubar1383
April 10, 2009

Well I officially drive a “six figure car”. No that does not mean my car costs over $100k, it means that I have over one hundred thousand miles on my 2000 Mercury Cougar, and yes her name is Samantha. I still name my car, deal with it!
Now it is not the nicest looking car out there, and yeah it has a few problems that show up with age. But my car only costs me about $40 a month in gas, and $35 a month in insurance. Sure I have to put some money into it every now and then, but it is still loads cheaper then a $350 car payment with pricey insurance.
I told myself that when my car hits 120k I would allow myself to buy a new one. Well with the purchase of the house, looks like that number is going to be pushed into the 150k range. So until then I will just keep on shifting and hoping that my clutch will make it another two years.
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Cars, Expenses, Liabilities |
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Posted by fubar1383
January 8, 2009
Currently I do not own my own home, but that my change this summer, but in the meantime I am renting. I don’t really mind renting; there are plenty of perks, when my disposal breaks I just call my landlord and let him deal with a gross backed up drain.
I also get to live in an awesome location that I could not afford to buy in. Renting of course has its disadvantages, rentals often have a multitude of problems, and you’re not building any equity. I really like my rental, especially the neighborhood, but it does have one above mentioned drawback.
HEATING BILLS SUCK!
For the month about Nov 15- Dec 15 it was close to $400 bucks! Now this was an estimated bill (those jerks at the gas company can’t come out and measure every month!) but it still hurts. In the meantime I have:
Installed storm windows
Put in an programmable thermostat
Hung plastic over all the windows
Weather stripped anything and everything I can find.
So we will see more next month, more to come, and until then……
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DIY, Expenses |
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Posted by fubar1383
December 3, 2008

A Book
By: John Grisham
I read this book every year. It’s the story of a married couple who have just become empty nesters. The couple attempts to skip Christmas completely and take a cruise instead. They decide to do this because Christmas is ridiculously expensive and even with buying an expensive cruise they are able to come out ahead financially. Their plan of course falls apart and hilarity ensues. I highly recommend the book.
That being said I have no idea what Christmas costs me, not in just money, but also time, effort, and stress. The gifts are expensive, but think about all the other things that must be bought. Tress, lights, Christmas cards, Christmas tips and bonuses, money to fundraisers, and the lost wages, or vacation time you have to use.
I am not a scrooge, I love Christmas, and it is probably my favorite holiday. I am just saying it is something to keep in mind during the season. Millions of us every year dread going to the mailbox in January to retrieve a hefty credit card bill.
Just stop to think
“Is he/She ever really going to wear that cute frosty the snowman sweater?”
“Will my co-workers actually eat that fruit cake at $10 a pop?”
“Is spending 6 hours on a Saturday in the cold putting up lights worth it?”
Instead of buying a (insert random Christmas item), maybe buy and read the book instead.
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Expenses, Ramblings |
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Posted by fubar1383
July 17, 2008

Yeah that’s right. I love it.
The last time I went to the library to actually check something out must have been in high school at some point. So it has been a while. I can’t remember how, why, or when I joined the library, but I have the card in my wallet.
I was doing a very good job of spending JonBon’s money at Barnes and Noble, as well as getting them shipped to me from Amazon. It was starting to add up, so I figured I would try to cut expenses and give it a go. I started with getting a few books and CDs from the library. The best part is how easy and convenient that it is. All you have to do is go online, put in your card number and request that the book arrive at any branch that you want. Usually just a few days later you will get an email telling you your book is ready for pick up. I just stop by on my way home, and grab the books that already have my name printed on a slip of paper. It’s fast, easy, and best of all free!
Now my mother has been doing this for years, and I guess maybe this is one time when I was actually behind her on something. Hey we pay taxes for libraries, might as well use them right?
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Expenses |
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Posted by fubar1383
June 5, 2008

As someone who contends that they live below their means, and aggressively saves for a home and retirement how can I justify a pricey trip “across the pond” to France?
If you know anything about world currencies you know that the dollar is currently in the doghouse. One American Dollar will get you about .65 of a Euro. Put it another way if I spent 1000 Euros in Europe is more then 1,500 USD.
Ouch
So yeah the Dollar pretty much sucks but I am saving more then enough to make up for the lousy exchange rate.
1) Airfare: Flying directly into Charles De Gaulle airport on Paris costs around $1300 bucks per ticket. We chose to fly into Luxemburg for less then half that, spend two days in a very small country then take the high speed train to Paris.
2) Lodging: In Lux. We are going to use my Hilton points for free hotel rooms. Hopefully we will not have to pay sales tax on the room. In Paris we are staying with my Aunt and Uncle who have rented an apartments for six months.
3) Food: It is going to be a challenge for me, I love eating out, especially in the thousands of open air cafes that Pairs has to offer. But if we limit ourselves to a nice dinner every other night, we should be in great shape.
4) The Sights: Hilary has done a bit of research and lots of the attractions: Eiffel Tower, Louvre, the Orsay have free or discount prices at the non-peak times.
5) Getting Around: Paris has a great subway system and we plan to use it. Cabs are a huge waste of money.
Moral of this story: if you do a little research before hand you can reduce costs without reducing the fun.
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Posted by fubar1383
May 30, 2008
If you can a company to really cancel a service, credit card, or subscription they will give you WHATEVER YOU WANT to stay.
I recently tried to cancel my Sirius satellite radio. After you get used to the stations you realize that much like regular radio stations they play the same 100 songs over and over. So I had enough, and did not want to pay for it anymore.
Cancellation attempt #1:
Internet, no go of course. You can add services out the ying yang, but cant subtract them……. Odd
Cancellation Attempt #2
Phone, I spoke to a really nice woman from Canada, we talked she was probably close to my age group and was pretty cool about it. I told her I did not really like it all that much, and it was not really worth it too me. I car pool half the times anyways…… She offered to give me a home set up system to stay. Ok ill stay I love free stuff in the mail. Its like 100 bucks retail I can always sell it on eBay or Craigslist.
Cancellation Attempt #3
Phone, I go the home stereo its cool, but I only used it for 30 seconds after I set it up. I have millions of songs on my Ipod, Pandora rocks for at home listening, and there is always regular cds and radio. Here is the abbreviated version of our conversation.
JonBon: Cancel it.
Customer Service: Free car kit?
JB: Got it, Cancel it.
CS: Free installation of your existing car kit?
JB: Already installed, Cancel it.
CS: Free Month?
JB: Cancel it.
CS: More variety with XM after the merger?
JB: See above comments
CS: Anything we can do to keep you?
JB: No Cancel it
Success!!!!
Moral of the story, if you are going to discontinue your business with a company, you can pretty much set your own price and terms. This is true with credit cards, banks, and anyone who charges you on monthly basis. I would love to pay less for my cable, but I enjoy it too much to give it up. Any suggestions on how to make Time Warner take less of JonBon’s money?
-JB
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Posted by fubar1383
May 15, 2008
It is one of my favorite activities. I personally don’t think that I drink “cheap” beer, but others might. I am mainly a Bud Light guy, having an occasional Sam Adams or Guinness when I am feeling classy.
Here is a good article about Beer and the effect that the slumping economy is having on the brewers in this country. I don’t see myself switching back to my beer “alma matter “ Natural Light aka Natty, but it probably would save me money if I was actually willing to downgrade the quality of my beer.
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Posted by fubar1383
April 25, 2008
With the barrage of earth day advertisements, and general “greenie-ness” I thought I would write something greenish myself. Although I felt many of the advertisements were just like a stupid adolescent contest about who can make the most noise and appear the most environmentally friendly: Chevy is greener then Toyota, Wal-Mart is greener then Target
Blah blah blah….
Ok I win at being the greenest, not because I recycle (I don’t) or drive a hybrid (I won’t). I am “doing my part” because I am a cheap ass and have decided to start car pooling to work. I don’t know much about that carbon footprint crap, but I will be using less gas. Again not because I am particularly worried about the environment (I’m not) but because gas is expensive and I am a cheap ass. So can we just all relax and go back to watching regular prescription drug commercials on TV and laughing at all their horrible side effects?
….Taking —– might result in sneezing nausea, blindness anal leakage…….
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Posted by fubar1383