13 Ekim 2012 Cumartesi

Work at Home? School at Home?

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Oh boy, the School Union Mafia ain't gonna like this!  But in a way, it is inevitable.
Two recent articles about schooling caught my eye - along with my property tax bill.   The latter has gone down in the last two years as housing values have tanked.  But with two new super-schools recently constructed in our County, and the Real Estate market on the rebound, I am not counting on low tax bills here, for long.   They will go up, as they did at my New York house, and I will likely have to sell this house, as well, and move on, yet again.

I work from home, and today that is not seen as an odd thing.  But when I opened my Office in 1994, it was viewed as something weird and unknown.   Back then, I had to have a brick-and-mortar office to be taken seriously.  Today, that has changed, and  many folks work from home, if their job involves typing into a computer all day long.

As I noted in another post, even jobs that don't seem like they could be "virtual" can be made so - if you use your imagination.  McDonald's has order takers for the drive-through window in Hawaii situated in Texas.  A disembodied voice on a speaker, it turns out, need not "be there" to get the work done.

But could other aspects of our lives be made virtual?  And should they be?   50 years ago, I would read science fiction stories about the future - where young people would attend school at home, watching classes on a virtual screen and reading books whose words marched across the page electronically.  It all seemed so fantastic then, today it appears to be a reality.

The first article I read is about Virtual Public Schools, which are being criticized, mostly by the teacher's unions, as being unreliable.  While there may be some marginal players in the field, the overall idea of virtual school should not be thrown out entirely.   It offers many advantages to students and schools.  But like any modern improvement, such as the automobile, there will be detractors, mostly from the buggy-whip-makers' guild.

To begin with, you might need smaller fleets of buses to push kids around.  This saves an enormous amount of money, but the bus drivers aren't going to like seeing their numbers reduced.   School construction could be delayed or eliminated, as fewer real classrooms are needed.  This is not to say that schools will disappear entirely, but rather, like many "virtual" activities, such as working-at-home, reduced to two to three days a week of "real" school time, which might be staggered among different students and schools.  The rest of the time could be spent at home, learning online through a high-speed Internet connection.

It also means that a student might have a wider variety of classes to choose from.  In the small schools I went to, the limited class sizes meant that if you took honors English and Math, you had to take honors French as well.   And if you wanted to take Auto Shop, then Calculus was out of the picture, as "vocational" studies were in a separate school, and students were "tracked" in special courses.

With virtual schooling, a student could take what courses he wants to - and excel where he can excel, as well as get a greater variety of experiences.  And specialized schools in the district could offer specialized courses, such as art and music (which are being cut from the curriculum in favor of huge teacher's salaries and retirement plans) as well as sports, which could be attended one or two days a week, for hours at a time, instead of in a 45-minute "period".   This could result in a more focused and richer experience for students and teachers.

What would be missing?   The social viper pit of High School - the training ground for poor normative cues.  Where kids learn that being "popular" is more important than getting an education, even if this means binge drinking, doing drugs, or getting pregnant.

As I noted before, to me, school is little more than training kids to get used to the idea of working eight hours a day, five days a week, and commuting to work.   And if this is true, then virtual schooling is a good idea - as chances are, the kids in school today won't be working 9-5 "jobs" in the future, but rather many of them will be working at virtual jobs or running their own businesses.  Why not train them for this, instead?

But change is threatening to most people.  Uncertainty makes people anxious.   They changed the entrance gate on our small island, and it has people in an uproar.  "The old gate was just fine!" they say.  And of course, the fact that several jobs were eliminated in favor of a computerized gate is part of the deal.  The loudest voices naysaying the new gate are the people who worked at the old one.

But whining about how "the old ways were best" really never solves the problem.  And the new gate works just fine - if you choose not to intentionally drive through it.

Uncertainty is what bugs people about Obamacare - no one quite knows what it means, so it is easy for the Republicans to paint it as a dangerous boogeyman, out to destroy their lives with "death panels" that exist only in Sarah Palin's head (and not much else exists there, either.  Was it a dream, or was she really the candidate for Vice President last time around?).

So we can expect a lot of loud hollering from the teacher's union about virtual schooling.    But it is a solution to a lot of our school problems.  Not a complete solution to every problem - nothing is, and picking it apart because it is not "perfect" is just being immature and baiting.  But with school budgets skyrocketing, student test scores plummeting, and property tax bills arriving with five digits in them, people have had enough.

We wax on about how great the horse-and-buggy days were, before the automobile.  But we forget about the mounds of horseshit and rotting carcasses of dead horses in the street.   Similarly, the hue and cry about "virtual schools" neglects to take into account that our current school system is anything but working fine.  I would be sympathetic to the teachers, if the teachers were doing a good job.  And teachers are often the first to tell you how awful things are in the classroom and in the school.  The few good ones are drowned out in a sea of mediocrity and crooked school management.  Ask a teacher - they will bend your ears for hours about how rotten it all is.  I have never met one who believes that our nation's schools are all hunky-dory.

So, don't believe the hogwash from union leaders.  Unions get paid on how many warm bodies they represent.  So any proposal that reduces the number of union members, well, they are against that.  And if you are in a union, remember that the union represents the union, not you.  And as a former Teamster, I speak from experience.

The second article I read was about online lesson plans, which some teachers are selling, pre-made, and how one teacher made over a million dollars doing so.  If you think about this, this is a natural outgrowth of the first phenomenon of virtual schooling.   100 years ago, if you wanted to hear music, you went to the local tavern or music venue, and heard local people play - often poorly, sometimes well.   There were far more musicians, as a percentage of the population than today - or at least people played more.

Today, we have a few "superstars" and a lot of bands covering their songs.   We can watch or listen to the same "star" online, on television, at a mega-concert venue, and of course, on the radio or iPod.  The mass-market has resulted in a few people making a whole lot of money at the very top.  And yes, this means that a lot of other musicians end up eking out a life doing covers of the stars at the local pub or whatever.  Lady Gag-Ga makes millions, the guy strumming guitar at the corner cafe makes some tip money.

And that points to where virtual schooling may lead - for at least some courses.  Superstar teachers may be in high demand, by thousands of schools and millions of students.   And such teachers may be able to command superstar salaries.   Well, at least one has already, just by writing lesson plans.

So what is the point of all this?  There is none, other than it is interesting to me how the future may pan out, and how things can change - and while change is scary, it may be for the better, in the long run.

And really, change is inevitable, most of the time.   The teachers unions will put up a good fight, as did the UAW at General Motors.  But eventually, push comes to shove, and you can't replace a steam shovel with 1,000 men with spoons.

Do You Need a $1000 Washing Machine?

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Pretty to look at, and loaded with high-tech "features" this LG washer is rated as a Consumer Reports "Best Product".  But is it a good value?  Not at $1100.
A recent article about Consumer Reports notes that they have come out again with their "best products of the year" article.   There are so many things here to parse, it is hard to know where to start.

To begin with, I have never been a big fan of CR and its model of measuring product quality.   Often the quality of a product is not evident for years, or even a decade, when its long-term reliability is evident.  CR has no way of measuring this - nor does anyone else - in a quantitative manner - and thus spends more time evaluating products by how easy it is to press the buttons and whether the product has convenient features.

So the entire concept is inherently flawed, in my opinion.   You cannot discern the quality of a product by kicking the tires, although you might be able to discern a few things, but not much.

But what is troubling to me is that the "list" this year is mostly for more expensive, higher-end products, including washers and dryers costing over $1000 each.

From the article cited above:

Here's the best of the best:
  • Best washer: LG Washer WM3470HVA, $1100‬
  • Best dryer: LG Dryer DLEX3470V, $1200‬
  • Best vacuum: ‪Kenmore Intuition 31100, $250 bagless upright
  • Best TV: ‪TV Samsung UN55ES8000, $2500‬
  • Best tablet: ‪iPad 3 16 GB 3rd Generation $500 OR ‪Google Nexus 7 16 GB $250
  • Best eReader: Barnes and Noble Nook Simple touch $100 
  • Best SLR camera: ‪Nikon D3200 $700
  • Best camera: Nikon Coolpix AW100 $300
  • Best GPS: ‪Garmin Nuvi 2455LT $160
  • Best Mac laptop: Apple Mac Book Pro 15 inch $2200
  • Best PC laptop: ‪HP Pavillion M6-1045DX $700
  • Best streaming player: ‪Roku 2 Streaming Player $80
  • Best olive oil: 16 oz. Trader Joe's California Estate Olive Oil
  • Best red wine: ‪Columbia Crest Grand Estates Cabernet Sauvignon $10‬
  • Best white wine: ‪Bogle Chardonnay, $10‬
  • Best coffeemaker: ‪Krups Grinder & Brewer KM7000, $130


Most of the items on the list are very expensive - $1100 washers and dryers? For that much money, you can buy TWO lesser models and keep them longer.

Bogle wine? Not a bad wine, but for less money, you can get better value.

I would put Consumer Reports right up there with Smithsonian Magazine - a bunch of B.S. peddled to confused oldsters.

Consumer Reports are just one man's opinion, not objective engineering evaluation of a product. And in terms of life-testing, they do none, as they cannot afford to.

So you buy your $1000 LG washer and five years later it needs a $500 repair. Now what? CR didn't see that coming, for sure. How could they? They just push the buttons on a new one and look at "features".

If you want a good value on a washer and dryer, look on Craig's List for a used one, about 1-2 years old. I used to buy GE washers and dryers for $100 to $200 the PAIR this way. They would last five to ten years easily, and after that, you just haul them out to the curb.

Most appliances today cost more to repair than to buy, so it makes no sense paying a lot of money for them, just so you can have a "delicate" cycle.  The cost of one repairman's visit often exceeds the value of the appliance at that point.  It makes no sense to buy high-end appliances, as a result.

Granted, these new "front load" washers look pretty cool, particularly if you have a "look at me!" laundry room, instead of a dank basement or garage for doing laundry.   And they do use less water, which is important if you are on a well, as we were in New York.

But a basic GE washer and dryer, brand-new, can be had for about $500 each, or about half the price of these fancy stainless-steel jobs, and it will do your clothes just fine.  And likely it will last as long as the $1100 machine, and when it breaks, you chuck it, without having a financial and emotional commitment to it.

Best Coffee maker in the world: a dented stove-top aluminum perker that you can get at the Salvation Army for 79 cents.  $179 for a coffee maker? Insane. And yea, I've been there. I drink tea now, 2 cents a cup.   See: http://livingstingy.blogspot.com/2010/05/cheap-coffee-makers-best-kind.html

Second best are the $15-$20 el cheapo models you can find at drug stores or Wal Mart.
Paying a lot for an expensive coffee maker does not mean better coffee or that it will last longer.
In fact, usually the opposite.

The "grind and brew" makers are particularly problematic, as if one aspect of the machine breaks (the grinder, for example) you have to chuck the whole thing.   Better off buying a simple Braun grinder (I have three, they never wear out) and a cheap coffee maker or french press.
 And yea, I've fallen into the trap - on more than one occasion - of thinking that "upper end" appliances were all the bomb.  But from a financial standpoint, they are never a good bargain.  BTDT!  See:  http://livingstingy.blogspot.com/2010/05/grand-turbo-2500-gas-grill.html

And yea, you might say, "Well, I'm making $100,000 a year!  I can afford bling appliances!"  And maybe you can, but then again, maybe you are living "paycheck to paycheck" on a hundred-grand a year and can't figure out why - but you have the stainless-steel appliances you believe you are "entitled" to, right?

The secret to real wealth - accumulating wealth - is not to live up to your paycheck, but to live down to a poorer person's.   And in America, you can have a very good standard of living making as little as $50,000 a year.  If you make $100,000, then bank the difference, retire early and be wealthy.  The alternative is a never-ending string of payments for crap, and retiring broke.  And I've seen this happen to people here on retirement island - living large and retiring on squat.   It ain't pretty!

I guess what is disturbing to me about Consumer Reports is that it has morphed into a magazine and organization that promotes consumption.   The best thing a consumer (human being) can do, to save money, is to consume less, not more.  CR has lost its way, philosophically.

So, back in the day (e.g., the 1960's), they might have said to buy a Dodge Dart, instead of a Plymouth Barracuda or a Chrysler Imperial, as there is little to be gained by owning a muscle car or a "luxury car" other than to impress other people.  The Consumer Movement of that era was more about saving money, not spending it.

Today, they have categories for evaluating the best muscle cars and luxury cars (as well as SUVs) so that the idea that such propositions might be bad deals from the get-go is not even discussed.   So rather than "less is more" the new mantra is "More is better!  Consume!  Consume!"

It seems that they are promoting spending more on "bling" than on being a smart consumer.   And this is sort of the opposite of where they should be, no?

But then again, I have trouble with the whole "Consumer" mentality in America - calling people "consumers" instead of "human beings", for example, or calling our economy a "Consumer Economy", with nightly reports on "Consumer Confidence" and the like.

This Consumerism is what got us into trouble in the first place.  And Consumer Reports seems to be cheer-leading the way, these days.

What Ever Happened to Zipcar? (Pop Investing)

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Zipcar still struggles along, making a paltry two cents a share.  While the company might survive for the long term, the IPO was a horrible investment, and even today the stock is wildly overpriced.

As I noted in The $150,000 Mini Cooper, the IPO price of ZipCar made no sense at all.  And the market seemed to agree, with the stock price, which zoomed to nearly $30 a share after the IPO, is not languishing at $7 a share.

And even at $7 a share, it is wildly overpriced.  With earnings of $0.02 per share, it has a P/E ratio of 379.52 today, which means if you bought the stock, you'd have to wait 379 years for it to earn back your investment.

Yea, that is overpriced.   And while the car-sharing concept may have traction (sorry) it appears there are a lot of these services out there.  I've seen a few car-share cars on the road, even when camping on the Blue Ridge Parkway, and up in Canada.  But none of them were from ZipCar.

The barriers to entry in this business are low.  And many rental car companies are already in the business, so to speak, and can add a "car share" feature to their existing business at little or no cost.  There is no Patent, no secret sauce, no hipster caché design (such as with Apple), no trendy brand, to exclusivity whatsoever.

And in such businesses, the marketing model becomes a race to the bottom, rather quickly.   If you rent your car for $10 an hour, your competitor will try to undercut you at $9.   So it becomes a marginal business, where in order to make money, you have to be ruthlessly efficient, which often means being strict with your customers and employees.

And it also means there is little or no chance of profit growth for such a company.    ZipCar might be a good investment if you believe that they could increase their profits by a factor of at least 10, or perhaps even 20 (although frankly, 50 would really be necessary, in order to support $7 a share).  But that ain't gonna happen because if they could increase profitability, some other competitor would simply undercut their margin and create price pressure.

But the point of this posting is not to take yet another jab at ZipCar, but to point out that investing according to the News of the Day is a horribly bad idea.   The news media - and by that I mean the cable news networks, the news websites, and the like, all hype and promote stocks like this.  The "Long-awaiting IPO" is talked about eagerly, with each tidbit of news about the company and its share price discussed endlessly.

People who watch TeeVee get the idea that this must be important - it has to be, as the media said it was, right?   So they get to thinking, "Gee, maybe this is my chance to make a bundle!  I'll buy this stock!"

But like leasing a giant SUV (which the TeeVee also promotes) it is generally a really bad idea to do what the television says.

Of course, people then say, "Well, gee, how do you know what to invest in?"  - and that is the conundrum, isn't it?   Because buying and selling stocks or commodities (like Gold) is a tricky business and one where professionals spend years studying these markets and specializing in just one or two segments or even one or two stocks.

How can you out-smart these smart people?  General answer:  You Can't - so don't bother trying.

Getting stock tips from the media is a bad bet.  Going to online websites for tips is even worse.  Yet there are websites galore that preach various sorts of systems and schemes, from day-trading to the perpetual portfolio, to whatever.  Most of them, if not all, are selling hokum. 

So, how do you invest?  If the crapola they talk about in the news and on the financial channels (with the shouting guy being the worst of them all) is just bad advice, then how do you know what is going to be the next big thing?

And the short answer is:  You don't.  And trying to invest based on the principle that you are going to "strike it rich!" is just gambling and gambling with your net worth - your estate and retirement money - is a really dumb idea.

Instead of striking it rich aim for striking it middle-class.   Invest in a panoply of things, from mutual funds, to insurance, to Real Estate, to bonds and stocks, to CDs and savings accounts, to - wherever you can squirrel away money.   Don't go for the "big score" but instead spread your risk among a number of different investments of varying risk.  And as you get older, put more and more into less-risky things.

Will you become a Billionaire this way?  Likely not.  But you are far less likely to end up destitute.

A lot of folks today are throwing money at "sure things" they read about in the Paper or see on TeeVee.  And usually, the invest long after the "sure thing" has appreciated in value.  They buy Gold at $1700 a share, instead of at $500.  They buy Apple at $600 instead of at $200.   They jump on the bandwagon just in time to ride it off the cliff.

And yea, a lot of folks bought ZipCar at $25 a share or more - thinking that since it was mentioned a lot in the media, that it would be a good investment.   But as any simple analysis showed even back then, it was not a business model that justified the share price.  And today, now that we see several quarters of earnings, we realize that even though the share price has tanked, it is still far over-valued.

I can't tell you the right answers for investing.  This is not a stock-tip site.   But I can tell you what the wrong answers are - anything hyped or even mentioned on television, whether it is ZipCar or Facebook, or some obscure stock touted by the shouting guy.

Just turn that shit off.  It is just noise and not signal. 

Save Time With Ivacationonline's Email Quote System

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ivacationonline.com's new email quoting system.

Are you ready to stop wasting time when it comes to replying to rental inquiries for your vacation home or condo? ivacationonline unveils its new Email Quoting System for vacation rental inquires. During the busy seasons of the vacation rental business the inquiries can come in droves. This is especially true when you are property manager and are handling the bookings for ten, twenty, thirty or more properties. With the average property getting 20-30 inquiries a week, multiplying that amount of emails by 30 can lead to an email overload.

Individually answering each email with additional information and pricing, not only wastes time but can cost you bookings as well. The new email quote system gives you the option of answering emails with a single click or just a simple copy and paste.

The email quote system gives you 3 options:

  • Property is available email
  • Property is unavailable email
  • Visitor email


In each pre-propagated email you can put in pertinent information, answer redundant questions, send a price quote, and have a link directly to your properties booking page. This saves you time by not having to answer several emails to the same potential renter, and because now they have practically everything they want to know in one email they can make the decision to rent your property.

Many vacation rental customers will send out 10 or more inquiries and normally cannot remember which property was which, but with the ivacationonline.com Email Quote System you will be sending them; a picture of the property, the address, the pricing breakdown, down payment amount, security deposit, and payment schedule. Don't forget the email includes a direct link to your booking page so that a renter can book their stay online with ease. This link to the booking page makes it easier than ever for a potential renter to book you property online.

The system, once you have set up your responses can save you approximately 80% of the time you were spending answering emails. That is correct 80%, and this time saved is money made. It is proven in this industry that home owners and managers who respond faster to inquiries GET MORE BOOKINGS!

Another great feature of the system is when a visitor clicks on your Email Quote button they have the option to send all of the information to every person in their party. This is a major factor in getting more booking and renting your property faster. Every property owner has heard this, "I love the place but I have to show it to the others in our group to see if it is ok with them". Now everyone involved gets all of the information instantly so that your potential vacationers can make a decision faster.

So now that you know all of the time saving benefits, the money making advantages, and the customer service upgrades, you're probably asking what will this additional service from ivacationonline.com cost me. The answer is, nothing, that's right, if you are already a member of the ivacationonline.com property management software system website there is no charge to you, it' free! Also if you are not already a member of ivacationonline.com simply sign up for a 30 day free trial and see how easy renting your vacation home or condo can be.

Visit http://www.ivacationonline.com/ today, click on the risk free 30 day trial offer, and enjoy the benefits of online property management.

Learn about:

Our live calendar
Emailing contracts
Renter updating email system
Online booking payment system
Credit card acceptance
Damage insurance
Travel insurance
The "Cancel For Any Reason Plan"
Voice description for your property
Video and photos of your home
Google Maps
Picasa
And our new Email Quote System

All of this and more on one easy to use website plus a customer service center that is second to none.

One More Reason To Join ivacationonline's Vacation Rental Software Website

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As if there were not enough reason to join ivacationonline.com's vacation rental property management software website, here is another. Ivacationonline is the only property management software website that actually pays to advertise on Google and other major search engines to drive targeted traffic to its website. The traffic that ivacationonline markets for on these search engines is specifically tailored to potential renters who are searching for vacation rentals.

Ivacationonline.com does not directly benefit from this traffic or from the rentals its customers receive. So why do they do it? Simple they what their customers to be successful. Ivacationonline.com is sending potential renters directly to you and they are paying the bill. It's just one of the many, many reasons you should be using ivacationonline's online property management software and if you already are a member it is just one more reason for something you already know. That ivacationonline.com is the best way to manage your vacation properties, 2nd home, timeshare condos, or rental property.

12 Ekim 2012 Cuma

The Wal-Mart Lifestyle

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A middle-class lifestyle in America is pretty sweet, by world standards.  Yet many people, once they make twice the median income, spend twice as much, to get not a lot more.  Why is this?

I like to lead what I call the Wal-Mart lifestyle.  This does not literally mean I buy everything at Wal-Mart, but rather that I try to live down to a middle-class existence, rather than to live up to my income.  And I only wished I had done this sooner.

What do I mean by this?  Let me explain.

We have it pretty good here in America, despite what the naysayers think - and they want you to think bad things about our country and your situation, usually to sell you something, like a candidate.  But if you are an average middle-class American, chances are you are pretty well-fed, have a couple of nice cars, a house, air conditioning, a microwave, a computer, a cell phone, and all that junk that we Americans love.

And you can have all of this, on not a lot of money.

The problem is, when some of us start making more money, what do we do with it?  We go upscale. We get the "upgrade".  While we may have struggled as members of the middle class, driving a Chevy and wearing no-name jeans, when we make a couple of bucks, suddenly we think we need a Cadillac and designer clothes.

The problem is, all these "luxury" goods cost twice as much as what we used to spend - often far more.  And usually they are little or no better than what we had - certainty not twice as good, which you might think they would be, given they cost twice as much.

And many people have regrets about this, even if they don't say so directly.  On a BMW forum, I read all the time from people who bought BMWs brand-new (which is a very expensive proposition) and then whine and complain when they have expensive repairs out-of-warranty.   They realize, suddenly, that they spend $60,000 on a car, and it isn't likely to last twice as long as a Toyota costing $30,000 or less.  They paid a lot more, but didn't get a lot more.  And they realize that while they could "make the payments" on the car, they really couldn't afford to spend that much on a car in retrospect.

So they take out their frustrations on the dealer or BMW, whining about how their car needs repair. The constant refrain being, "Well, I paid $60,000 for this car, one would think it would never break down!" which is, of course, nonsense.

And of course, these cars can be inexpensive to repair, if you are handy with tools.  My front CV joint boot cracked, which is typical of any car at 130,000 miles.  I can replace the boot for $19, or the entire axle assembly for a whopping $70 (no kidding).   Of course, since I do the work myself, the labor is free.  The dealer wants a wee bit more - like close to $1000 - to do the same repair.

But if I was not handy with tools, I'd be driving a Chevy or Toyota in a heartbeat.  Why?  Because they are cheaper to buy, own, and repair.  Yea, I could "afford" to pay more for a car, but I would choose not to.

Apple products are a good example, as well.   A basic Mac laptop, or even a desktop, is going to run you a couple of thousand dollars.   A basic PC or PC-Laptop can be had for a few hundred.  Is a 5-10x delta in price going to give you five to ten times as much computing power?  Will it be five to ten times easier to use?  Heck no.  But you will be able to show off the iconic white notebook with the Apple Logo.  I am surprised it doesn't light up like the "angle eyes" on newer BMWs.   After all, what is the point of owning a status item, if no one knows you have it?

And so on, down the line.   We are tempted by the marketers to upgrade and go upscale, to show people and kid ourselves that we are "wealthy" when in fact we are accumulating little wealth, and borrowing staggering sums to have these things.

I was lucky, or smart, or both, in that I saw the writing on the wall before it was too late.  I stopped buying bling things, and cut back on spending - learning to live like the retiree I will someday be.  And I did manage to save some of the millions I made (literally) and was able to make a lot in Real Estate.

Others, well, they are less fortunate or less smart, or both.   They bought the mini-mansions and leased the cars, and thought they could finance it all by short-changing their 401(k).  And now it has all gone to hell and they want to blame someone else for it.  Obama.  The Republicans.  Take your pick.

But cheer up.  There is a bright side.  You can live very well and very inexpensively here in America.   Just adopt the Wal-Mart lifestyle.....

Finally Deleted My Facebook Account

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I stopped using Facebook a year or so ago.  I deleted all my entries on my "Wall".   But Facebook keeps putting them back.  Weird and Creepy!

I Don't use Facebook.  Why?  Because when I do, I am creating content on the Internet that you have no control over.  When you log onto a website and post something, usually there is a way you can go back and delete it, later on.   However, many sites today claim ownership of your content and do not provide any means for you to edit or delete comments later on.

Facebook at first, appears to allow you to control your own page - set up your profile and add, delete, or edit items on "your" wall.  But "your" wall is the Property of Facebook and they own the content.  Even after you delete it.  Because you when you delete content, it merely "hides" it from view - for a while.

I noticed this after logging onto Facebook for the first time in ages.  They have changed the format so dramatically, I could no longer recognize it.    While my postings were all deleted from my "wall" they popped up again on my "timeline".    So I deleted them there.  I logged in today, trying to move photos from the site, only to find that new "deleted" posts now appear on my "timeline" again.

In fact, just now, I went onto Facebook, and deleted all the entries on my "timeline".   When I go back to the page - new entries (previously deleted from my "wall") are now present.   This is very scary.

When you go on any web page an upload photos, write comments, create stories, etc. you are creating CONTENT for the owner of the web page.  And often this CONTENT is out of your control, and can be used for a number of nefarious purposes - by the web page owner, or others.

For example, I used to use WEBSHOTS to upload photos and create albums.  But WebShots was sold, or changed, and suddenly, it has an awful lot of banner and sidebar ads, and is very hard to use.  For a while, they even experimented with a proprietary photo format, to make it impossible to download pictures from the site, once you uploaded them!  But once you have uploaded 100 photo albums, are you going to erase them or move them?  Of course not!  Too much hassle!

There was a Chrome "app" to move facebook pictures to Picasa - Move2Picasa.  But Facebook got wise to this and created a block, so if you try to use the application, it will say "api authorization required" and no one has apparently done a work-around.   And even if when it moves the pictures, it erases the captions.   Facebook isn't stupid - they want you to put a lot of time and energy into their site, so you feel compelled to "stay on it".

Of course, this is true with other sites - including Blogger.   And often, I find my content has been hijacked by fly-by-night sites that use it to generate click revenue or to sell odious deals.   I am chagrined to see my postings about crappy loan deals cut-and-pasted to websites selling.... crappy loan deals.   But it happens, a lot on the Internet.

We can't really control what the Russian Mafia does, but I think we can control our own lives, and putting up content on the Internet, so that others might profit from it, seems rather futile.

I finally erased all the postings from "Timeline".   But what's this "activity log" link?   Oh, shit - they have a whole other section that keeps all this stuff, even after you "delete" it both from your wall AND from your timeline!  And it is hard to delete things from the "activity log" -  it is a slow, painful process.....   And one comment I made to another page would  not delete at all, for some reason.  Weird.

Getting rid of Facebook content is like trying to play whack-a-mole.  No matter how hard you whack, the content keeps popping up, again and again....

So, I erased all 1200 of my photos, and unfriended all of my friends, and then changed my user name and account name to "Joe Smith"so any remaining content is attributed to him.

You can now permanently delete your facebook account, instead of just deactivating it.  Follow this link:  https://www.facebook.com/help/delete_account  to delete the account.

I would suggest "scrubbing" all content as much as possible first, though - particularly posts you made to other people's walls and comments on their photos.   These may remain after your account is deleted.  Also, change the user name on your account, just to be sure that no content is linked-back to you.

Even then, the content is not deleted.  You are just "deactivated" for 14 days and if you log back into Facebook before then, your request to be deleted is voided.

Why don't I like Facebook?   Well, I've discussed it before - it is a time bandit, and is just creepy and weird and drains all your emotional energy.  The user interface is complicated and primitive at the same time - with periodic format changes that drive everyone crazy.   The online games are idiotic and pander to your addictive nature.  The sidebar ads are for utter rip-offs, which means they have no respect for their users.  The search feature is poorly done, making it impossible to find anyone online you don't already know.  And of course, their IPO stock offering was the biggest pyramid scheme on the planet.

Oh, yea, it also got boring in a real hurry.  The sort of folks who love Facebook are often vary shallow and narcissistic.   Facebook takes your photos and your comments and "Likes" and puts it all in a format that makes you look like a rock star.  Suddenly, your idiotic comments seem insightful, and your drab an dreary life looks and sounds interesting.  Of course it does - after all, your "profile" picture shows you white-water rafting!   Never mind that the picture was taken ten years ago, the first and last time you went white-water rafting.  According to Facebook, your life is just one bungee-jump after another!

But the reality is, everyone's facebook page looks the same, and it gets to be "old hat" in a real hurry.   It is like playing a piano with only four keys - there are only so many combinations of predetermined activitys that you can perform - and I guess that is comforting to some people.

And of course, the fact that their interface was not very secure was troubling as well.

But in addition to all that, they are doing more and more invasive things - often without a user's permission.  If you buy something, they want to automatically put down that you "like" it and use your purchase data to endorse a product - unless you "opt out" of this nonsense.   Even scarier is talk of Facebook "scanners" mounted in front of stores so that where you shop can be automatically uploaded as a "like" or so that purchase offers can be sent to your smart phone.

Imagine such scanners in front of the strip club, the sex store, or the porno theater.  The next day, "Jill LIKES Astro-Lube and large black Dildos!" appears on your "Wall".   Gee, no thanks.  I'll cling to what little privacy I have left.

Facebook has teamed up with Datalogix - the people who run those annoying "frequent shopper rewards cards" - to see if they can track what you buy and whether or not is was in response to one of their ads.   They may even track your prescription drug purchases.   "Bill LIKES Viagra!  A whole lot!"

Perhaps some of the reaction to these trends is a bit overboard.   But then again, these trends point out one salient fact - Facebook is a Marketing Tool that you are voluntarily signing up for.   You pour out your guts on Facebook, and tell Mark Zuckerberg your most intimate secrets.   He, in turn, sells this data to Marketers and pockets Billions.

Who in their right mind would sign up for this?  Only an idiot - and there are lots of idiots out there, by Facebook's estimation, a Billion.

Speaking of which, more than a year after they were claiming to have a Billion users, they have reached the Billion mark.  But I wonder if perhaps some of those users were like me - with dormant accounts that had not been visited in years - or even "inactive" accounts.    That is another reason I deleted my account.  It irks me to be counted as a "user" of something I no longer use.

Facebook won't go away.   Too many people have spent too much time setting up their pages and uploading photos and creating networks.   They will feel they have too much invested in it, in terms of time or energy to quit.  But then again, people did the same thing with MySpace, Second Life, and Farmville - and eventually, everyone walks away from each of those.

But I wonder if people will truly go along with this slaughterhouse methodology - allowing themselves to be lead down the chute to the marketing abattoir.  It takes a long time, but eventually, people figure out when they are being manipulated and marketed to.   And in order to make any kind of real profit, Facebook will have to exploit its users in a way which will tend to drive them away.

Whatever happens, I will be watching it from the outside now - and join the legion of people with better things to do with their time.....

Save Time With Ivacationonline's Email Quote System

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ivacationonline.com's new email quoting system.

Are you ready to stop wasting time when it comes to replying to rental inquiries for your vacation home or condo? ivacationonline unveils its new Email Quoting System for vacation rental inquires. During the busy seasons of the vacation rental business the inquiries can come in droves. This is especially true when you are property manager and are handling the bookings for ten, twenty, thirty or more properties. With the average property getting 20-30 inquiries a week, multiplying that amount of emails by 30 can lead to an email overload.

Individually answering each email with additional information and pricing, not only wastes time but can cost you bookings as well. The new email quote system gives you the option of answering emails with a single click or just a simple copy and paste.

The email quote system gives you 3 options:

  • Property is available email
  • Property is unavailable email
  • Visitor email


In each pre-propagated email you can put in pertinent information, answer redundant questions, send a price quote, and have a link directly to your properties booking page. This saves you time by not having to answer several emails to the same potential renter, and because now they have practically everything they want to know in one email they can make the decision to rent your property.

Many vacation rental customers will send out 10 or more inquiries and normally cannot remember which property was which, but with the ivacationonline.com Email Quote System you will be sending them; a picture of the property, the address, the pricing breakdown, down payment amount, security deposit, and payment schedule. Don't forget the email includes a direct link to your booking page so that a renter can book their stay online with ease. This link to the booking page makes it easier than ever for a potential renter to book you property online.

The system, once you have set up your responses can save you approximately 80% of the time you were spending answering emails. That is correct 80%, and this time saved is money made. It is proven in this industry that home owners and managers who respond faster to inquiries GET MORE BOOKINGS!

Another great feature of the system is when a visitor clicks on your Email Quote button they have the option to send all of the information to every person in their party. This is a major factor in getting more booking and renting your property faster. Every property owner has heard this, "I love the place but I have to show it to the others in our group to see if it is ok with them". Now everyone involved gets all of the information instantly so that your potential vacationers can make a decision faster.

So now that you know all of the time saving benefits, the money making advantages, and the customer service upgrades, you're probably asking what will this additional service from ivacationonline.com cost me. The answer is, nothing, that's right, if you are already a member of the ivacationonline.com property management software system website there is no charge to you, it' free! Also if you are not already a member of ivacationonline.com simply sign up for a 30 day free trial and see how easy renting your vacation home or condo can be.

Visit http://www.ivacationonline.com/ today, click on the risk free 30 day trial offer, and enjoy the benefits of online property management.

Learn about:

Our live calendar
Emailing contracts
Renter updating email system
Online booking payment system
Credit card acceptance
Damage insurance
Travel insurance
The "Cancel For Any Reason Plan"
Voice description for your property
Video and photos of your home
Google Maps
Picasa
And our new Email Quote System

All of this and more on one easy to use website plus a customer service center that is second to none.

One More Reason To Join ivacationonline's Vacation Rental Software Website

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As if there were not enough reason to join ivacationonline.com's vacation rental property management software website, here is another. Ivacationonline is the only property management software website that actually pays to advertise on Google and other major search engines to drive targeted traffic to its website. The traffic that ivacationonline markets for on these search engines is specifically tailored to potential renters who are searching for vacation rentals.

Ivacationonline.com does not directly benefit from this traffic or from the rentals its customers receive. So why do they do it? Simple they what their customers to be successful. Ivacationonline.com is sending potential renters directly to you and they are paying the bill. It's just one of the many, many reasons you should be using ivacationonline's online property management software and if you already are a member it is just one more reason for something you already know. That ivacationonline.com is the best way to manage your vacation properties, 2nd home, timeshare condos, or rental property.

Owning Vacation Properties In Different Areas.

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The vacation rental business is sometimes a odd creature. For many owners the ebb and flow of peak seasons are like clock work. The Panhandle of Florida starts to heat up just as the north does, and follows the college spring breaks year after year. May tends to be slower and as soon as Memorial weekend hits it is hard to answer all of the calls.

It may seem strange to others the summer is the peak season in northern Florida, but it is a big family vacation destination. That said southern Florida has a bit of a different peak season, even though they enjoy a vibrant summer vacation rental season, winter is a very busy season for them with many northerners escaping the cold. Canadians love Florida and marketing to their cities is a good way to get renters.

Often vacation rental owners that hold several properties often have them in the same general vicinity. There is merit to this decision, but having properties with different peak seasons is not a bad idea as well. The Smoky Mountains has a big fall travel season and runs all the way to New Years. They of course do well all summer long.

 A home in southern climates can keep you cash register ringing all winter long with snowbirds, and any beach property does well during the summer.

Certainly there are difficulties with having properties in different locations, such as having to use different cleaning companies, different maintenance people. There are also benefits, remember there are tax deductions available when you have to travel to your property to inspected, clean, and repair.

Of course always check with your tax adviser about deductions, and call ivol.biz to set up your properties. Through their online system you can automate the cleaning crew so that they are notified of each cleaning, You can store your list of service providers in their system so that you or your on site manager can contact them in short notice.

11 Ekim 2012 Perşembe

Obama Loses Debate. Why?

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Why did Obama lose the debate?  It is important?
I did not watch the Presidential Debates.  Frankly, I forgot they were on, and really they are not that important.  

What was that I said?  That a media event hyped by the media as the end-all to our political discourse is in fact, not really all that compelling?  Yes, I said it.  I'm a media heretic.

But I am not sure the debate changed the minds of anyone on the Left or Right.  If you made up your mind before the debate, chances are, it didn't change it much.   And just like Romney's "47%" comment, once the media hoopla dies down, people will forget about it.  The average drone can't remember what happened two "news cycles" ago.

But Obama was less than charismatic, coming across as a policy wonk reading from note cards, while Romney told homey stories and got his "zingers" in.  In a way, it was destined to be this way.

For example, in the beginning, Romney told these tear-jerker stories about women grabbing his arm and asking where their husband's job went.   Then he says his wife had a similar experience - a woman grabbing her arm and asking about where their job went.   Note how carefully this was crafted - Romney is behind in the woman's vote, so he uses them as props for his homily, and tosses the wife in for a little more effect.

Now, you might think Obama would come back with a zinger on that.  For example, something like, "Governor Romney, the reason these people are asking you where their jobs went, is that you were the one who sent them to China, during your tenure at Bain Capital!"

But a President can't do that, without coming across as un-Presidential.   And Obama wasn't in Zinger mode that night.

So instead, he read a list of facts and figures, thinking that logic and numbers would carry the day.

And Romney's strategy in this regard was brilliant.   Whatever Obama said, even if it was something as simple as "the Sun rises in the East", Romney would just dispute the facts.  And in the context of the three-minute answer to debate questions, that works well.   Because all the other guy, with the index cards with numbers and facts can do, is just stammer and say, "well it IS TRUE!" and the news anchors will just mutter, "Well, there you have it, two opposing views, YOU, THE VIEWER, DECIDE!"

So Obama tried to call Romney out on his plan to cut taxes and increase spending and decrease the budget, which if you can do 1+1+1=3, you can understand is mathematically impossible.   Romney's repsonse?  "I never said that!"

And technically he can get away with that, as not allowing the Bush era tax cuts to expire is technically "not cutting taxes of the wealthy" - any further.   But if those tax cuts are reinstated, well, that is a tax cut for the wealthy.  It depends on your point of view.

But the hard logic is, the Bush Era tax cuts are what got us into trouble during the eight years of the Bush administration, creating deficit spending and increasing government debt, made worse by the recession.   If we are to increase the military budget while cutting taxes, AND cutting the deficit, the only way to do this is to decrease spending in other areas of the government.   And this means draconian cuts for all other government programs.  And many of the people cheering this fail to realize they are the recipients of this largess.

But debates like this illustrate how silly our electoral process really is.   The fight here is not for the hearts and minds of the decided voters, which represent about 95% of the electorate.  The fight here is not for the hearts and minds of the undecided voters, unless they live in a swing State, which is about 5% of the undecided voters.   So what both sides are trolling for is 5% of the 5% of the electorate, or 0.25% of the population of the country.

There is a secondary mission, of course, and Romney did well with this.  And that is to get the "base" motivated to vote.  If people think, "My guy won't win, anyway" they may not be inclined to vote.  Or, if they feel, "Well, he's my candidate, but I'm not really excited about him" then they may not be inclined to vote, either.    So you want to get people "fired up" to vote, particularly in those "Swing States" where a few hundred votes might sway the election.

On the other hand, perhaps losing the debate was by design.    Obama has had a pretty good lead so far in this election.  If you go to any of the electoral college maps online, you can see that Romney has an uphill battle from here.  Obama needs to turn only two "Swing States" in his favor to be re-elected.   Romney needs to turn at least four, including Florida.

So many Obama supporters were becoming complacent, assuming the election was a sealed deal.   If Romney is put back into play, well, maybe that will get out the "base" to vote, and contribute.  It is a possibility....

Insights from Net Worth Calculations

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Calculating your Net Worth is essential to getting ahead, financially.  This simple calculation yields all sorts of insights into your finances.

I have noted before that if you want to get ahead, in terms of accumulating wealth, it pays to calculate your Net Worth on a regular basis - at least annually, if not more often.   This calculation can show you how well you are really doing, in terms of building up your estate.

Most folks, including myself, until I was about 30, figure that if their salary is going up over time, they must be doing well.  And if the balance in their 401(k) is increasing, things are good.   But we fail to look at the overall picture - assets minus debts - and understand where we really are.

Because most folks also increase their debt load over time - taking on bigger mortgages, larger car loans, increased credit card debt, and consumer loans for jet skis and crap.   While they are making more and more money and the balance in their 401(k) is going up (from $50,000 to $55,000 - whoowhee!) they fail to understand that their Net Worth may actually be declining.

Calculating Net Worth is not hard to do.   You can use a spreadsheet, or even just a document in WORD (which I do, using their TABLE function), or even on a yellow legal pad, with a pencil.

First, add up the value of all your investments and savings in two categories, pre-tax and after-tax.   After-tax investments are things like savings accounts and other money you put aside for a rainy day.   Pre-tax investments are things like your 401(k) or IRA, that you have not paid tax on.

Generally, people say you should have enough after-tax investments to live on, for six months.  Most people don't have this much money, which is scary.  Cutting your monthly expenses is one way to make a small amount of savings last that vaunted six months.  If you "need"  $100,000 a year just to pay the bills, you'd better have $50,000 in after-tax savings.   On the other hand, if you can learn to live on $50,000 a year, well, you don't need nearly as much - only about $25,000 or so.   If your "six month emergency fund" is a little low, one way to bring it up to snuff is just to cut out expenses in your life - like Cable TV, smart phones and other junk.

As for your pre-tax investments, there are other rules of thumb.   Some say you should have a year's salary saved up by age 30.  That is a good rule.   If you want to retire in any range of comfort at all, you'd better be on track to have $500,000 to $1,000,000 in savings by retirement time, at least as of the time of this writing.  Using the 4% Rule for withdrawals, this amounts to only $20,000 to $40,000 in retirement income, which along with Social Security, might provide you with a modest middle-class existence in retirement.   If you want to vote for a candidate who promises to cut your benefits and subject you to a "means test" you might want to save more.

Next, add in the value of the physical assets you own.   Many financial advisers frown on this, arguing that your principal residence should not be counted as part of your "Net Worth" - nor should your cars, furniture, computers, etc.   But they are part of your Estate, and if you died tomorrow, these things would be sold and the amount realized added to your bottom line.

And it is also illustrative to do this, as it points out why spending money on "things" is fruitless.   While you may have spend $100,000 on all the junk around your house (computers, furniture, clothing, electronics, appliances, etc.) chances are, this stuff is worth maybe $20,000 in liquidation value.   "Things" depreciate in value rather quickly, the moment you buy them.  As a result, the more "stuff" you buy, the poorer you will be.   And yet, most Americans equate owning a lot of "stuff" as a sign of wealth.  It is the opposite.

This may be the most relevant thing you learn from calculating your Net Worth.

And by the way, it is tempting to lie to yourself at this point, putting down inflated values for your home, your cars, and your pile 'o crap in your house.  "I saw a car like mine for sale at a dealership for $20,000, so mine must be worth that much, too!"   Wrong Answer.   Use the book value, for trade-in or private party sale, that is a more realistic assessment of the worth of your vehicles.   Similarly, using asking prices for houses in your neighborhood is just being silly.  Sales prices are going to be closer to actual value - and be ruthless in evaluating the condition of your house.

As for the other stuff?  Chances are, used electronics are worth little or nothing - a few dollars at most - and they decrease in value every year.  That new iPhone is worth a few hundred on eBay.  In five years, it will be worth $50, if that.   Those designer clothes from Abercrombie & Hollister are worth pennies in a thrift shop, particularly when they are out-of-style next year.  A $50 t-shirt is worth a buck or two at most, at a garage sale.  So don't delude yourself by assigning inflated values to your "chattel" - exercises in self-delusion are rarely informative.

Another observation you may take away from this is that a lot of stuff can be had very cheaply, used, at a garage sale or thrift store.   It is worth at least a look.

Finally, start adding up the debts - and use the real numbers, not the rounded-off numbers in your head.  It is not hard to go online and get the exact balance on your mortgage, to the penny, in real time.   Ditto for your credit cards, car loans, student loans, etc.   Then, take the assets and subtract the debts - this is your Net Worth.  The overall number you come up with may scare you.

In fact, it may be a negative number.   And if you had been doing this calculation for a number of years, you would have noticed it was negative and getting moreso over time.   This is not an atypical thing to happen to most Americans, particularly these days.

If your Net Worth is positive, good for you.  But by how much?    If you are 40 years old and have a Net Worth of $100,000, you should think long and hard about how you are going to afford retirement.   And please don't say, "Well, I'll work until I'm 70" because that might not work out.


There is one other observation to take away from this Net Worth calculation.   Look at how dependent your Net Worth is on a number of factors outside of your control.   You have a fat balance in your 401(k), for example - but that depends a lot on market values of your mutual funds.   As we all learned in the waning days of the Bush Administration, that can drop in value by half in a real hurry.

Similarly, home values can vary, particularly if they are overpriced.   And when I did this calculation back in 2007 (I have been doing this since 1990, and have a thick binder of printouts, which I have charted over time) it scared the crap out of me.  My Net Worth, on paper was very good, but I had a lot of debt, which was offset by the inflated values of the Real Estate I owned.   If the value of my Real Estate dropped suddenly, I would be wiped out - owing more in loans than I had assets to cover - the technical definition of Bankruptcy.

In other words, I was highly leveraged with debt, which is never a comfortable place to be.

So I got out of the Real Estate market.  I only wish I had sold out of the stock market as well, but timing the Stock Market is very hard to do.  I also got out of debt.   It was the one sure number I could change on my Net Worth Chart that would never vary in value, once I changed it.  Stocks may go up and down in value.  Housing prices can vary all over the place.   The value of my cars and chattel will decrease over time - that is a given.  But debt paid-off is always paid-off.   It is a savings more guaranteed that government bonds.

So what insights do I take away from this calculation?

1.  It is essential to calculate your Net Worth regularly to see where your overall financial situation is headed.  Not knowing your basic Net Worth is like going out to sea without a compass.

2.  Physical Assets such as cars and personal possessions decrease dramatically in value over time, thus it pays to buy less "stuff" in your life, or to buy things that will last you a long time (e.g., a well-made suit, rather than Chess King clothing).

3.  Valuation of assets, including Stocks and Real Estate can change over time - values are not guaranteed.  If you own a lot of assets and have a lot of debt, you are leveraged, and thus at the mercy of these valuations.  If valuations go down, you can be insolvent in a heartbeat.

4.  Paying off debt removes this lever, and guarantees an increase in your net worth.  Increasing debt load over time, as you make more money, just places your Net Worth in stasis.
This is not to say you should take dramatic action to get out of debt - for example, by not funding your 401(k) or something.  No, rather, what I mean is that you should have a plan to eventually be debt-free, before you are retired, preferably a decade before you are retired, if possible.

Oddly enough, I meet a lot of people - most people - who have not done this calculation.   Many older folks live the "cash flow" lifestyle, basing their economic well-being on how much money comes in every month, and how much they have to pay in "bills" for monthly living.  So long as their income is higher than their "bills" they assume they are fiscally sound.

And for our older generation, who bought everything "on time" and was assured a defined-benefit pension in retirement, maybe that made sense.  They got a steady paycheck from the big company for 30 years, and now they get a steady retirement check until they die.

For them, living the cash-flow lifestyle might have made some "sense" or at least, it was survivable.   But for our generation, who needs to survive on their savings, it is simply not an option.  We have to live off our Net Worth, not our Income.

Calculate your Net Worth, and do it often.   See where you are headed, financially.   It is your financial GPS, telling you where you are, and where you are headed, and whether you are headed for safe harbor, or for the rocks.


AT&T UVERSE

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I recently switched to AT&T Uverse.  It was not like I had much of a choice.

I use the Internet for business.   So I need a decent internet connection to access the Patent Office website and communicate with clients.   And I need a phone line with a clear connection, as I can't talk with clients through the echo chamber of a cell phone.

Until recently, I had a pretty low-cost phone service here in Georgia.  At one time, I used a "poverty land line" service of $16 a month, and used my cell phone or an AT&T calling card to make long distance calls.  I was able to get DSL "lite" service for $16 a month, with a free upgrade to their regular speed rate of 3.0 mps.

But that all went away.  I needed a voicemail solution, as customers calling me were getting baffled by busy signals, and AT&T expired the "free upgrade" to its internet service, and also raised the rates.  Pretty soon, my phone line went from $35 a month to $60, then $85, and now, over $100.  This is just not acceptable.

But what are the alternatives?   I explored the local cable TV company, Comcast, which offers cable modem and cable phone, but their cost structure was no better than AT&T's landline.

AT&T does offer a new fiber-optic service called UVERSE.  They have wired (or fibered) the island for this, so it is available in my area, for phone and Internet only.   They send digital signals via fiber optic to the pole, and then use the twisted-pair "drop" to deliver a digital signal to the home.

The digital signal provides internet service, and from this, you can get a phone line via VoIP for $25 a month, for 250 minutes.   One way to save money, I suppose, would be to go to data only, and then use magic jack or another VoIP carrier for for voice portion.

There are other phone plans available as well - $35 a month for unlimited calling, and $45 a month for an International plan that offers better overseas rates.

The "elite" Internet service, of 6 mps, with a 250 GB limit, is $43 a month, with a 12-month promotional discount of $23.05, to make it $19.95 a month.  This discount basically offsets the installation and equipment fee of $199.

So you are looking at $68 a month for Internet and Phone, about half of what I am paying right now, and with double the Internet speed.   And that is, according to AT&T the actual billed amount.  Since the service is not a public utility, there are no local taxes and fees tacked on - or at least not many.  We'll see.

I will experiment with the service for a year.  At that time, I may downgrade to the 3.0 mps service, as this seems to be more than fine for streaming movies and the like.  And I may go to another brand of VoIP to save money as well.  This could bring the service down to below $50 a month.

But it seems that AT&T is trying to push people to convert to UVERSE and is dropping DSL, over time.  By raising rates, it is making the UVERSE option the only workable one.  And from what people at AT&T are telling me, they are no longer investing in the DSL system, and hoping to phase it out.

It will be interesting to see if AT&T spins off its "landline" division entirely, to some company like Frontier.   The landline business is a regulated utility, and as such, the profits are marginal.   The fiber optic business, apparently, has more headroom for profits.  AT&T could operate without the traditional POTS switched-network service, if it chose to do so.

UPDATE:  A fly in the ointment already.....

I receive this e-mail today:

Dear Robert Bell,
Thank you for your recent AT&T Order. Our records indicate that service already exists at the address you provided so your order could not be processed.
To complete your order, contact AT&T and let us know if you are changing the existing service or want to set up additional new service at the same address.
Please give us a call at 1-877-833-5989 (Mon-Fri 8 am to 10 pm, or Sat-Sun 8 am to 5 pm Eastern Time) to provide the necessary information we need to complete your online order.
To prevent an automatic cancellation of your order, it's important we hear from you within 10 days.
Thank you for choosing AT&T.

So I call and wait through musical hold.   I had to call three times, and I am on the phone right now.

Let me ask you, who in their right mind would keep their DSL service AND sign up for UVERSE?

AT&T has made it a corporate policy to convert customers to UVERSE, but when you do, the make it a pain in the ass to do so.

The lady on the phone acts like no one has ever done this before.  "We have to cancel your DSL service first!" they say.  OK, well, duh.   But you don't have to do that TODAY, when the install is NEXT WEEK, Doya?

They end up telling me to call back tomorrow...... This is AT&T Uverse service?  So far, it sucks.

Save Time With Ivacationonline's Email Quote System

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ivacationonline.com's new email quoting system.

Are you ready to stop wasting time when it comes to replying to rental inquiries for your vacation home or condo? ivacationonline unveils its new Email Quoting System for vacation rental inquires. During the busy seasons of the vacation rental business the inquiries can come in droves. This is especially true when you are property manager and are handling the bookings for ten, twenty, thirty or more properties. With the average property getting 20-30 inquiries a week, multiplying that amount of emails by 30 can lead to an email overload.

Individually answering each email with additional information and pricing, not only wastes time but can cost you bookings as well. The new email quote system gives you the option of answering emails with a single click or just a simple copy and paste.

The email quote system gives you 3 options:

  • Property is available email
  • Property is unavailable email
  • Visitor email


In each pre-propagated email you can put in pertinent information, answer redundant questions, send a price quote, and have a link directly to your properties booking page. This saves you time by not having to answer several emails to the same potential renter, and because now they have practically everything they want to know in one email they can make the decision to rent your property.

Many vacation rental customers will send out 10 or more inquiries and normally cannot remember which property was which, but with the ivacationonline.com Email Quote System you will be sending them; a picture of the property, the address, the pricing breakdown, down payment amount, security deposit, and payment schedule. Don't forget the email includes a direct link to your booking page so that a renter can book their stay online with ease. This link to the booking page makes it easier than ever for a potential renter to book you property online.

The system, once you have set up your responses can save you approximately 80% of the time you were spending answering emails. That is correct 80%, and this time saved is money made. It is proven in this industry that home owners and managers who respond faster to inquiries GET MORE BOOKINGS!

Another great feature of the system is when a visitor clicks on your Email Quote button they have the option to send all of the information to every person in their party. This is a major factor in getting more booking and renting your property faster. Every property owner has heard this, "I love the place but I have to show it to the others in our group to see if it is ok with them". Now everyone involved gets all of the information instantly so that your potential vacationers can make a decision faster.

So now that you know all of the time saving benefits, the money making advantages, and the customer service upgrades, you're probably asking what will this additional service from ivacationonline.com cost me. The answer is, nothing, that's right, if you are already a member of the ivacationonline.com property management software system website there is no charge to you, it' free! Also if you are not already a member of ivacationonline.com simply sign up for a 30 day free trial and see how easy renting your vacation home or condo can be.

Visit http://www.ivacationonline.com/ today, click on the risk free 30 day trial offer, and enjoy the benefits of online property management.

Learn about:

Our live calendar
Emailing contracts
Renter updating email system
Online booking payment system
Credit card acceptance
Damage insurance
Travel insurance
The "Cancel For Any Reason Plan"
Voice description for your property
Video and photos of your home
Google Maps
Picasa
And our new Email Quote System

All of this and more on one easy to use website plus a customer service center that is second to none.

One More Reason To Join ivacationonline's Vacation Rental Software Website

To contact us Click HERE

As if there were not enough reason to join ivacationonline.com's vacation rental property management software website, here is another. Ivacationonline is the only property management software website that actually pays to advertise on Google and other major search engines to drive targeted traffic to its website. The traffic that ivacationonline markets for on these search engines is specifically tailored to potential renters who are searching for vacation rentals.

Ivacationonline.com does not directly benefit from this traffic or from the rentals its customers receive. So why do they do it? Simple they what their customers to be successful. Ivacationonline.com is sending potential renters directly to you and they are paying the bill. It's just one of the many, many reasons you should be using ivacationonline's online property management software and if you already are a member it is just one more reason for something you already know. That ivacationonline.com is the best way to manage your vacation properties, 2nd home, timeshare condos, or rental property.

10 Ekim 2012 Çarşamba

Lawn Lights

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Lawn lights might make your house look cool, but they can cost a lot of time and money.

I used to have lawn lights on my house in Virginia.  Back then, they were plastic, and you had to string them with a transformer and a 24 volt cable.  I must have had a hundred of them around the house - on the sidewalks, around the pool, spotlights on the trees and shrubs, on steps and decks - you-name-it.   And while it looked cool, it wasn't cheap, even though I bought several sets at a Builder's Square going-out-of-business sale and at garage sales.

I actually saved the better ones and put them in my New York house, buying some new fixtures as well, with a faux copper patina.   But in my Georgia house, I have none, and no interest in getting any.  Why is this?

Well, to begin with, they are not cheap.   I probably spent $500 to $1000 on lawn lights over the years, and that is a lot of money.   Those faux-copper-patina heads are $39 each.  The basic sets are about $50 to $100.   Add it all up, over time, as well as those $2.99 replacement bulbs, and you've spent a lot of money, not all at once, but in dribs and drabs.

Every Winter, it seemed, they would burn out.  And in the spring, I would have to spend a day tracking down broken wires, burnt-out bulbs, and shattered or worn fixtures.  Wasps like to nest in them, so I had to clean those out as well.

And of course, you have to mow around them.   The yard people would hit them with the lawn mower or whack them with a weed-whacker.   I fired the yard service and destroyed them with my own lawn mower and weed-whacker.  It was cheaper that way.

Over time, the plastic ones get brittle and shatter.   The faux copper patina ones fade.  I would repaint them with Rustoleum metalflake paint, which looked cool, at least for a season or two.   And the connectors would corrode and not make a good contact.   I found putting silicone paste on the bulb bases stopped corrosion there, and using an emory board to clean connectors helped - at least for another season.   But by next year, the bulbs would be burned out again, and the connections all corroded.  It was a never-ending chore.

Did they look cool?  Yea, they did, particularly if you have a "look-at-me" garden in the front or back of your home.  Oh, don't get me started on how much that cost.  I'd rather not think about it.

Some say they deter burglars, particularly if you have the spotlights that shine against the house.   You know what I've learned?  If you are worried about burglars, you own too much crap, or you live in a crappy neighborhood, or most likely, both.  Own less shit, move to a nicer place, and learn to relax more.  It's cheaper, and it's money in the bank.

Today, they have new technology - solar-powered-lawn-lights.  These are not really new, as I had one as far back as 1995.  Back then, though, they were expensive, bulky, and relied on tiny incandescent bulbs, and produced very little light.  With advances in solar panel technology as well as LED lighting, solar powered lawn lights today are brighter, cheaper, and last longer then their counterparts of just a few years ago.

A single light, a few years back, might cost $40.  Today, you can buy a set of four or even eight for that price.  Of course, a lot of the cheaper ones put out little light, and they really don't "illuminate" much, like the ole 24V ones did.

But you know, even if they did, I still ain't buying any.   Why?  Because I don't want to mow around them.  Because they really don't do anything except tchotchke up my yard.  Because I'd rather spend $50 on something else or leave it in my bank account.  Because it adds no value to my home.  Because it really doesn't make my home look better.

Lawn Lights, and Solar Lawn Lights are classic examples of how companies today sell us stuff we really don't need.   Back in the day (like in the 1960's) the only people who had lawn lighting were wealthy folks, who could afford to run steel conduit and have 110V lights all over their property.   The plastic 24V jobs were a knock-off of that, right down to the housings.   Suddenly, we plebes could afford to have lawn lighting, just like Thurston J. Howell III!    But of course, it was not the same thing.

The marketers want to sell us upscale - get us to upgrade.  The sing the siren song of how you can own luxury goods, but on a budget.   Usually these ersatz luxury items - like fake Rolex watches - are cheaply made and no real bargain, as they wear out quickly.  And usually they are things you really don't need in your life, like the fancy barbecue or outdoor fireplace.    But we buy them for the perceived status and perceived luxury of having one.

Just say "NO" to end-cap displays at Lowe's!

Corporate Welfare

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Corporations receive a lot of tangible benefits from the government as well.
I should note, as a disclaimer, that I am a registered defense contractor, and also do contract work for the Federal Government.   While people tend to think of "government contractors" as Lockheed-Martin and Boeing, in reality, there are millions, if not tens of millions of small businesses and even individuals, who are paid by the Federal Government in one way or another.

I mention defense contractors, as they represent the largest corporate recipients of government money.  As I noted before, defense spending amounts to about 13% of our budget, or as much as that scary old Medicaid spending.

Of course, you might argue that defense spending is necessary, as it defends our country, and we get something in return - all those nice high-tech weapon systems that our foes are scared to death of.  And of course, we pay our troops for their sacrifice and service.

But we also get something out of Medicaid as well - people are cared for, instead of being left out in the street to die, like they used to do in Bombay, back in the day.   And we pay all those Doctors, and Nurses and caregivers as well.

But of course, there are huge amounts of waste in both programs.   And in the Defense Department, the waste can be particularly egregious, as Billions can be spent on weapons systems that either never work, never work quite as intended, or are never actually used in combat, deployed, or have a realistic chance of ever being deployed.

For example, in the last few years, we have developed not one, but two generations of new fighter jets, even as our potential adversaries have yet to develop any.  In fact, our primary foes these days are mostly armed with rocks and sticks, it seems.   And both jets (the F-22 and F-35) have been plagued with cost overruns, design and construction flaws, and are staggeringly expensive.  Drones have replaced the fighter jet as the weapon of choice in modern warfare.  The era of dogfighting at supersonic speeds has ended - if it ever really existed in the first place.

And there are other programs - ones you never hear about - that go on, tear through hundreds of millions of dollars, and then are quietly scrapped.  A friend of mine spent the better part of a decade developing a hovercraft for the army, to ship large containers of goods.  They built a number of these, at great expense, and then the entire program was scrapped.  Someone finally realized that boats belong to the Navy, not the Army, and the Navy already had their own hovercraft.   The four prototypes were given to Indian reservations in Alaska, under some wacko government guilt-trip program.   Chief Wa-Wa is now tearing around Juno in a hovercraft the size of a city block, provided he can find fuel for it (more likely, it is rotting on a beach somewhere).

Waste?  You bet.  And it gets worse.  Oftentimes, Congress authorizes money for projects that the Pentagon simply doesn't want.  Why?  Because the product is made in a factory in the district of a Congressman who is on the appropriation committee.   The Lockheed Electra was an utter failure as an aircraft.  Not only was it loud and uncomfortable, it was obsolete the day it was made, in the era of jet transport (I rode in one, as a youngster, and my fillings fell out).   It had a nasty habit of creating a standing wave in the wing spars, if the engines were not synced right - causing wings to fall off, on occasion - never a good feature for any aircraft.

But that was not the end of the aircraft.  The government continued to buy them as P-3 Orion sub-chasers, for decades.  They even spent money developing a follow-on plane, the P-7, in the 1990's.   Of course, America is not alone in salvaging a failing aircraft design as a military project.  In an eerie parallel, Great Britain used the ill-fated DeHavilland "Comet" jet (which also had a nasty habit of breaking up in flight, for different reasons) as a subchaser as well - the oddly named "Nimrod".  So it must be a military thing - if the government foists a crappy plane off on you, you turn it into a sub-chaser.

But of course, the Defense Department is not alone here.  There are hosts of other government programs that benefit many private corporate interests, often to the tune of Billions of dollars.  Government subsidies for agriculture, for example, sound so homey as they they protect the "family farmer" who is posited as some over-all wearing hick with a tractor, a red barn, and a silo.   But the reality is, farming is now "agri-business" and crop subsidies and price supports cost us billions - to support one specific industry.  And often, these forms of artificial market interference do not disappear, even after the need for such programs has disappeared.

But like with welfare for the poor, you could argue that such subsidies to lower prices for the rest of us (just as subsidies for the poor make it possible for them to work for lower wages).   And sometimes Uncle Sugar uses one subsidy to pay for another.  Gub-Ment Chee, for example, was made from dairy products bought to artificially prop-up milk prices.

But other industries benefit from government largess as well.  For example, the airlines would go bankrupt (more often), if the government did not spend money on airport infrastructure, aircraft tracking and traffic control systems, and research into basic aircraft technology and safety.  But again, you could make the argument that such spending is necessary for the industry to exist - and that we all benefit from having an air transportation system.

As this article notes, there are lots of other areas where the government benefits Corporations that don't appear to need benefiting.  And there are examples of Corporate Welfare that you and I never think of.   Cities and States fall all over themselves, trying to attract a professional sports franchise.  In some instances, they agree to build the owner a new stadium, offer him extensive tax breaks, and provide free or discounted Police services and traffic control   And after all that, the owner picks up and moves to a State with a better offer.

People go along with this - particularly sports fans.  But when Wal-Mart or a Korean Automaker demands 10 years of reduced property taxes in return for building a new store, warehouse, or factory, people cry foul.   After all, the "little guy" doesn't get such breaks, does he?  Of course he doesn't.  He also doesn't have a lobbyist.

Of course, these sort of gimmies are all justified under the rubric of "jobs".  Give a big corporation a tax break, and they will create jobs, we are told.  Where did this come from and when?   Let me tell you.  When I was a kid, back in the 1960's, the idea that the government was responsible for the economy or for creating jobs, did not have a lot of currency.   Then the recession of 1979 struck.  Jimmy Carter was President, and the price of Gold shot through the roof.

Of course, a lot of the crap Carter is blamed for was brewing for the last decade.  Nixon presided over "wage and price controls" (no really, a Republican President told us that the government's job was to set prices) because inflation was roaring to a record 4-6% (OK, you can stop laughing now, and no, that wasn't a joke, it actually happened.  Oh, for such simpler times!).

Gerald Ford decided that the way to "Whip Inflation Now" was for everyone to wear a "WIN" button.   Gerald Ford was an awfully nice and decent guy, but not the brightest bulb in the chandler.  I once went to his old house in Alexandria, to a party.  He lived very modestly, as a Congressman, and was probably one of the few honest politicians in Washington.  But, the WIN buttons didn't work, I'm afraid.

So when Carter became President, he was handed shit-on-a-stick, sort of like a certain contemporary President.  And then we had our third gas crises of the 1970's - and gas was actually rationed on even and odd gas days - another one of those odd things that actually happened but no one seems to remember, except perhaps me.

People were laid off and the economy was in the shits.   And suddenly, people looked to government for answers.   "Where are all the jobs?" they asked.   And Ronald Reagan promised them that if he was elected, he would get all their jobs back, by eliminating "unnecessary regulation."

Of course Jimmy Carter was way ahead of him - de-regulation of the airlines and the trucking industry was already underway when he was President.  But the GOP takes credit for this today, as the "Great Communicator" deregulated everything, and dontchuforgetit!

And actually, Reagan presided over a horrible recession in the first few years of his Presidency, causing his party to lose a lot of mid-term elections and making his re-election look shaky.   But after eight years, even the worst of recessions ends, just as this one will.  Whoever is in office will take credit for it and be a hero, which is why Romney wants it so badly.

So this whole "jobs" thing really started back then, and while I have digressed (this should have been a separate posting), it points out why so many subsidies and gimmies and swag is thrown at major corporations like Wal-Mart, as if they were indigent or something.

The list goes on and on.  On 4th and D Streets, in Washington, D.C., is an government agency called the International Trade Commission, which a lot of folks think is some sort of International Agency, but is in fact a U.S. Government body.   If you are selling products in the USA, such as lumber, and think that perhaps your competitors in Canada are selling too cheaply, you can go to the ITC and ask them to slap them with a tariff, as the ITC did a few years back.   Or if you think Chinese Tires are a threat to your company, you can get the ITC to slap a 35% tariff on them.

And of course, the government provides a lot of "seed money" for research projects that end up becoming entire industries - or sets standards for such industries.   Your GPS is a nice toy, but without the massive investment in satellites, courtesy of Uncle Sugar, it would be as useful as a brick.   GPS device makers can make a boatload of dough selling portable GPS devices for cars, boats, and airplanes, without having to pay for a single rocket launch.   And those rocket launches aren't cheap.  Ask the folks who built the Iridium system sometime.

And government standards often end up creating markets and setting level playing fields for industry.   You can't have television without the FCC assigning channels and bandwidth (probably the biggest piece of government giveaway in the history of mankind) and creating standards, such as NTSC.

And speaking of giveaways, let's talk about grazing rights and mining rights that the government leases to ranchers and oil explorers, often for a pittance.

But hey, as Jon Stewart put it, "To be fair, at least Exxon/Mobil and AT&T give us back cheap gas and reliable cell phone service".

So yea, we do get that, don't we?

Again, the point of this posting, unlike many who address the subject, is not to paint one group of people as "bad" and another as "good".   The point is, all sorts of folks benefit from government programs, giveaways, subsidies, tax credits, tax deductions, contracts, research, infrastructure, and whatever else you can think of.

To say that our entire "problems" are the result of one group suckling at the government teat more than another is disingenuous.  And to pick on the one group is the one that has the least amount of money in the first place and the least amount of money to lobby on their behalf and fund Billion-dollar Political PACs, is, well, a bit obscene.

Because what the folks who are selling you this are doing is lying, plain and simple.   They want you, the middle class, to blame your problems on a scapegoat.  We already did Jews - so that's out.  But Blacks?  They've been a favorite American "whipping boy" - often quite literally - since 1776.  Blame them for your problems!   Aunt Hattie's $300-a-month SSI check is what is bankrupting this country, not to mention Shantrell's $150 a month in food stamps.

And the solution, of course, is to cut your Social Security and your Home Mortgage Interest Deduction.

Makes sense to me.  I'd vote for that!  If I had a lobotomy, that is....

We need to address our budget problems (which are not as dire as people make them out to be) in a rational manner.  But in today's political discourse, the Right wants to scapegoat the poor, and the Left wants to scapegoat the "big corporations".   Both, of course, are wrong.