Money

I recently ordered a new wireless mouse and keyboard for work off Amazon. I spent hours going through the hundreds of offers available and picked out just the one I wanted. I’ll be honest I was swayed by the one that came with Super Saver Shipping because who really wants to pay for shipping? So I order with Amazon “One-click”, which is always dangerous, and bam it was on its way.

Only problem was my “One-click” settings do not add the Super Saver Shipping automatically so I stuck paying about ten bucks to ship the package out to me. I tried to cancel the next morning (literally 9 hours late) and the order had already been processed and moved to shipping and Amazon informed me via e-mail that cancelation was not possible. Usually I am very pleased with this kind of speed but now I was put in a tough spot. So I said screw it and eat the ten dollar fee…

However when I got the package it was not really what I was looking for (despite all the research you just never know) and I decided I wanted to return it. I followed all the easy steps out of my order window and printed out the UPS return label in a matter of minutes, which again was speedy and convenient, but it also informed me that ten bucks might be taken out of my return to ship it back.

Now I didn’t think this was fair, although I  was the one who didn’t go through the motions correctly and didn’t want the product anyways, I still felt I deserved my full refund.

So I called up the Amazon costumer service line and got on the phone with some chick most likely on the other side of the country and explained the story just as I did above stating I thought I deserved a full refund. To which she replied:

“We’ll yeah, that is our policy, sir.”

Amazon is great.

So not sure if any of you are in the marriage stage yet, but I surprisingly am. However, with engagement rings costing an average of $3,500 according to Ken Gassman, founder of the Jewelry Industry Research Institute. I’m not sure I can afford the typical “bling” for my blushing-soon-to-be-bride.

My lady, unlike many women, isn’t into materialistic items and I think she would be happy with just a simple titanium ring. One huge benefit about titanium rings is the price, with the range being more around $500-2,000, which is a lot more doable on my budget. But is it to cheap and chinsy as an engagement ring?  Don’t get me wrong, I want to give her the best but I think we could both agree that it’s not worth spending a month’s paycheck on one ring. Yes, it is the most important ring of her life but it’s not everything. Anyone have tips on engagement saving for this guy?

Coming out of college I had no idea what I would be doing. My father once said to me, “son, you have no money and no skills; talk to me when you have one of these”. For the most part thats true, I got degrees in history and english, not really something with a very marketable skill set.

So I got this job blogging, it really doesn’t pay much, but I’m happy to get paid to write.

Honestly though, blogging is not going to pay the bills, at least not for me. So I set out to find some kind of employment that would offer me more than ten dollars an hour here in the Twin Cities. I signed up for a million job websites and mailing lists, got Linkedin, and sent my resume anywhere I could but found little to show for it.

Then last week I was borrowing Craig’s List Jobs and found OfficeTeam. OfficeTeam is a Robert Half company that takes care of most of Wells Fargo’s temp placement in the metro area. I went in for an interview last Monday that went really well. After that they were in touch with me at least once day the rest of the week. A few back round checks (I had to get my finger prints done) later and I had a job by Friday.

I can’t believe how fast the process was, and now I am a new Document Auditor for Wells Fargo Home Mortgage in Eagan Minnesota.

Thanks OfficeTeam!

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Growing up I never played poker. I played a lot of gin rummy, war, go fish, you name it but never poker. My family isn’t really the gambling bunch, we’ve seen too many people go to ruins at the track or the black jack table to think it’d ever work out. 23 and I’ve still never even been to a casino, it’s all a waste on me I’d most likely end up playing penny slots. So when I was invited by my new boss to join his poker night I was a little weary about how I’d fit in.

I’d arrived way late and things were well underway: Two tables, beers, cards, chips, and game faces on. I sat down across from my boss and embarrassingly told them I was a poker virgin. To my surprise they took it very well, no jokes, no hard time. They gave me a quick run through on how the game works and drew up a cheat sheet for scoring and it was into to Texas Hold Em. It was great time. Turns out they’re not the most poker savy people either, we spent most of the night reminding people of rules and drinking beers. A little free pizza was a good way to cap off our man night.

I was meaning to write this the other day, but forgot all about it until I opened my box of frozen Thin Mint cookies tonight! Since when did Girl Scouts stop going door to door to sell their cookies? You wonder why our youth doesn’t learn anything, they won’t even go door to door to learn a valuable life lesson (I really don’t know which lesson, but it is). The other night I bought some girl scout cookies from too young girls who had a stand set up at the local grocery store. Very smart idea, if they had come up with it on their own, which I highly doubt! Thanks mom and dad; or worse, the corporate Girl Scout plan! Honestly, I started thinking about it though, when was the last time you saw a girl scout going door to door? I know in the 5 previous years I have bought my girl scout cookies from a girl scout’s parent! I don’t think I’ve even seen one dressed in any sort of uniform in a long time.

Now not to make it a battle of the sexes (between pre-teens nonetheless), but I know the Boy Scouts are making their rounds the next two weeks to collect nonperishable food items for those in need. I have also seen those kids in their uniforms in recent months, their packs come by the radio station for tours of our building from time to time.

Now that I’m done complaining about it, I’m going to eat my Thin Mints, thanks Girl Scouts.

I’ve never gone on any sort of Spring Break vacation and I never really regret it. Each year when the college kids jet off to warm, sandy beach destinations I always think about it though. For one, how are they funding these trips? If the logistics wasn’t costly enough, all the beer consumed on the trip would sure put a dent in my wallet! Oh, to be young and free with no worries. Hahaha.

We had beautiful weather today: sun shine, temp near 45 degrees… It wasn’t bad, so as I left work I rolled the window down, cranked the radio up and enjoyed the drive home. Now I really have no clue, but that sense of accomplishment after a day of work on the way home has to be somewhat close to what jetting off some sandy beach feels like? We’re  free into the weekend, although there may not be as many days or as many bikinis I sure think the moments of relaxation we spend in the chair with a cold beer after work are some of the finest. Maybe by the time I’m 30 I’ll figure out some flight on Delta and take any plane out of here.

With the economy failing more and more each day what effect does it have on you ? Many are taking advantage by buying houses since the interest rates on houses is at one of the lowest rates. Many people are worried about their credit cards since  credit card companies are more careful now who they approve and who is a financial risk for them. While some people are affected by the way our economy is others seem to be doing just fine.

I am astounded at how much schools are affected. My children have bigger supplies lists every year and it seems that school funding isnt available for the usual school field trips that were available years ago. I really hope the economy starts picking up soon. Is there any hope for the U.S to pick up from the hole we have dug it into ?

Maria del Rosario Cayetana Alfonsa Victoria Eugenia Francisca Fitz-James Stuart y de Silva (yes, that’s one name) is one of the wealthiest women in all of Spain. She is worth somewhere between $850 million and $5 billion–but not for long. The Duchess of Alba, 85, is giving it all away so she can marry the man she loves. My question to you is would you give away your fortune for someone you loved?

The duchess’s six children were dubious about their mother’s plans to marry Alfonso Diez, a civil servant who is 24 years younger. In order to prove that Alfonso only loves Maria for her and not her money she is giving all her wealth to her children. I really hope he still marries her and he really does love her and not the money or comfort she was providing. We can only wait and see if this marriage does happen and how long they will last together.

Income

Who would have thought we’d ever see the day when an annual income of $250,000 would not be enough to be considered “rich”? According to The Fiscal Times, a family of four is still in the red after diligently using the tax laws and breaks and frugal living even if they have a yearly income of $250,000. I plan on having that problem on of these days.