Tag: Money

Friday, March 26th, 2010

Old enough to have regrets.

Do you think there’s a specific age where you are finally wise enough to look back on your mistakes with an open and accepting mind? I don’t have many regrets, but there have been times in my life where I focused on things that didn’t really matter, and ignored things that should have been important. I sort of wonder if I’ll ever get to a place where I’ll look back and be content with the path that led me to ‘now’.

I think my husband has been going through something like this, though much more intensely. It doesn’t help that he recently got a bad report on his health – he has high blood pressure. He’s only 32 years old, but he’s now on blood pressure medication. For me, many of my regrets are financial follies, some are things I still repeat over and over. I sure wish it was easier to change bad habits and truly learn from mistakes.

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Friday, March 12th, 2010

Research Topic

I’m about half way through my Information Literacy course and it’s just about time to choose a research topic for my big project. I always hate having to choose a topic to study. It’s difficult to decide on something that I want to learn about in depth. I am curious about a lot of things, but I’m not necessarily excited to spend a lot of time on one thing. Maybe I’ve just become too used to the vague awarenesses that I collect. Is that a feature of our generation? Or is it a feature of my personality? If I feel I know how to acquire additional information on a topic, I often won’t. I could do it in the future if I wanted to, so there’s no need to do it now, right?

So yeah, I have to actually pick something and delve deep for once. I’m contemplating doing something on minimum wage laws. It’s a very contentious issue though slightly less so now, since there was an increase not long ago. I do have to wonder, in this economy, how much pain has the new minimum wage caused? Is it partly to blame for the job losses and underemployed worker levels? Combined with the poor lending climate, can small businesses really afford to keep their staff level steady? If a full time person quits or retires, are they more likely to only hire a part time replacement?

One problem I see with the minimum wage law is that is makes certain wages sound like less. Before the increase went into effect $8.50/hr didn’t sound too terrible as an entry level retail wage. It was several dollars above the minimum! Now, it’s not even $2 above the minimum. I know, it sounds like a silly argument in the grand scheme, but perception and ‘consumer confidence’ has a real effect on the way people operate. There are also a lot of arguments about how higher minimums price low skill workers out of the workforce. If a business is forced to pay $7.25/hr for a worker, they will probably look for a person they feel is worth that investment. Thus the increased minimum sometimes hurts the exact people it is most intended to help.

It does seem like it might be an interesting subject. We shall see.

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Wednesday, December 9th, 2009

A Flight to Texas Costs…

I ran into this video at a forum a few days ago. I like it. I think it’s a good way to make money seem more real.

I’ve been doing something similar to this for years for my entertainment purchases. I weigh the total time I’ll enjoy it vs. the price. For example, spending $9 on a CD/MP3s has the potential to entertain me for many many hours, while seeing a movie in the theater will only entertain me for 2-3 hours. The music is usually a better value, thus I generally only go see movies I’m really excited about in the theater.

I do wonder if perhaps this is why video games have grown so popular. The price is often high, but the total hours of entertainment potential are also high, quite possibly less than a dollar an hour if it’s a good game with replay possibilities.

Anyway, to further play with this concept, if Jon and I wanted to fly down to Texas for the Renaissance Fair, we’d be looking at over 3 complete Rock Band 2 sets just for airfare. That could also be translated to about 8 weeks worth of groceries. Or, roughly 250 20oz. bottles of Mountain Dew.

If I build a computer, it’ll probably cost about the same as 45 belly dance lessons at The Cassandra School. Or more than 200 pints of Ben & Jerry’s. Fascinating! *grin*

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Saturday, December 5th, 2009

Shop Shop Shop

It’s possible that my favorite type of shopping is gift buying. I particularly enjoy getting stuff for Jon. I’ve been known to go a little overboard in years past. I’m tempted to do the same this year, of course, but I’m trying to be more realistic about my finances. I’ve picked up a few things for him so far, but I made sure to get gift receipts too, just in case I’m way off about what he wants, heh.

I’m also participating in a ‘Secret Santa’ exchange at work and am struggling with what to buy. My first idea didn’t work out because it was out of stock. I haven’t come up with a good enough second idea yet. But there’s still time! Oh yes! Maybe I’ll have time to pull off idea number one if I can just wait a week or so! I’ll have to do some more snooping about the person on Facebook and get a backup plan ready, just in case. *smirk*

The other thing I need to do is go Birthday shopping for my Mom! She’ll be 57 in ten days! Whoo! I haven’t decided what to get for her, but she’s not too hard to shop for. She generally likes practical things. And every-day jewelry. I’m not too worried.

I think the best thing I’ve purchased so far is the present for the in-laws’ fetus! Our future niece or nephew will be getting a very cute little gift. Hopefully it will be put to use once the tater tot is born!

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