By now, most everybody has heard or seen the ubiquitous ads by LifeLock where its founder and chief executive officer, Todd Davis, intimates the impenetrable fortress-like quality of his identity theft protection service by brazenly giving out his ...
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Drive-By Movie Review: Suspect Zero
This is a review of the 2004 movie Suspect Zero, starring Aaron Eckhart and Ben Kingsley.
Plot Synopsis: An FBI agent gets called in to investigate a strange murder. When the trail leads him to the suspect, he realizes that he has been drawn into a ...
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Why Rechargeable Batteries Are Rarely Cost Effective
I was standing in line at a local electronics store the other day when I struck up a conversation with the guy ahead of me who had a basket full of battery chargers and AA rechargeable batteries. It turns out he had decided to replace all of the ...
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The REAL Cost of Owning Wireless Mice and Keyboards
When the Honeybee and I bought our last computer, there was quite a debate over whether or not we should pay the extra money for the added convenience of a wireless keyboard and/or mouse. The fear, of course, was in the uncertainty of whether or not we would end up spending a small fortune over the life of the computer buying replacement batteries.
We ultimately decided to Heck with it (wherever that is) and went the wireless route, not only for the convenience, but also because of the neatness that comes with having two less wires attached to our iMac.
Of course, being the financial nut that I am, I decided to track how often I changed the batteries so I knew how much I was paying on top of the premium I originally paid for the wireless devices.
For the record, our keyboard and mouse get heavy use; I would conservatively estimate that our computer is in use, on average, ten hours per day.
So with that information in mind, here is a summary of all the battery changes for our wireless keyboard and mouse since we got our new computer approximately 18 months ago:
So how much money has that set us back?
If you buy in bulk like we do, you can get quality AA alkaline batteries for 40 cents each in reasonable quantities for the average household. That means we have spent only $18.40 plus tax for our wireless keyboard and mouse batteries in a year and a half. Excluding the original premium, of course, that comes out to only a dollar per month - well worth the convenience over their traditional wired counterparts, if you ask me! :-)
In fact, that cost is so low it certainly doesn't come close to justifying the initial charger and battery costs we would have to pay to switch over to rechargeable batteries.
In my next post I'll not only explore why that is so, but I'll also address why rechargeable batteries actually make less financial sense than many people think. :-)
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Drive-By Movie Review: The Soloist
This is a review of the 2009 movie The Soloist, starring Robert Downey Jr. and Jamie Foxx.
Plot Synopsis: The true-life story of Nathaniel Ayers, a former cello prodigy whose bouts with schizophrenia landed him on the streets after two years of ...
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The 10 Most Overpaid Jobs
Oh, am I going to make some enemies today. ;-)
Last week I did a very well-received article on the 10 most underpaid jobs. Today I tackle the other, more controversial, side of the coin - the 10 most overpaid jobs.
First I want to apologize ...
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Drive-By Movie Review: Duplicity
This is a review of the 2009 movie Duplicity starring Clive Owen, Julia Roberts and Paul Giamatti...
Plot Synopsis: A pair of corporate spies who share a steamy past hook up to pull off the ultimate con job on their respective bosses.
The Honeybee: ...
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The 10 Most Underpaid Jobs
Most everybody thinks they're underpaid for what they do. But in reality, there are a handful of select jobs where this claim is especially true. Here's my take on the 10 most underpaid jobs. Unless otherwise noted, annual income figures are based on data from the U.S. Bureau of Labor Statistics.
After reading this list, if you think I've overlooked a particular job (like yours), please leave a comment and let me have it with both barrels. Just keep the profanity and ad hominems to a minimum.
10. Janitor
Average Annual Income: $23,500
Annual Income If It Were Up to Me: $45,000
Appreciation Meter: Office outcasts rarely invited to workplace birthday celebrations and promotion parties.
Why They're Underpaid: In office buildings and schools all over the world, janitors quietly go about their job of picking up everybody's mess. Their work is usually done behind the scenes, so it's easy to overlook the fact that they often have to deal with some really messy clean-ups like throw-up and excrement. When they leave work the place is spotless. They do this knowing the next day they'll just have to it clean up all over again. Talk about a Sisyphean challenge.
9. Youth Sports Referee/Umpire
Average Annual Income: $28,330
Annual Income If It Were Up to Me: $50,000
Public Appreciation Meter: Slightly above the small pox virus, but one notch below dog poop. Okay, okay -- two notches.
Why They're Underpaid: Without these extremely tolerant men and women, there would be no organized sports leagues for our kids. Despite that fact, the next time you want to pick-up a few fresh insult lines that would make a sailor blush, stop by your local park and take in a youth sports competition. When you consider all the abuse that these referees and umpires take on a daily basis, it is a wonder that anybody actually aspires to be in such a position in the first place.
8. Little League President / Board Member
Average Annual Income: $0
Annual Income If It Were Up to Me: $35,000
Public Appreciation Meter: More likely to be approached by folks carrying pitchforks & torches than "thank you" letters.
Why They're Underpaid: I was a Little League President for two years, so I know what I am talking about here. For a volunteer, the hours are extremely long - upwards of 40 per week. Everybody is always upset at you, calling at all hours of the night to complain about trivial things. And when you're not acting as the League's pin cushion you're playing psychologist, soothing the bruised egos of parents who all think their kid is the second coming of Derek Jeter. Good times.
7. Nurse
Average Annual Income: $65,130
Annual Income If It Were Up to Me: $150,000
Public Appreciation Meter: Not too bad, actually.
Why They're Underpaid: This job often requires a cast-iron stomach and entails very long hours with sometimes-grumpy and uncooperative patients. I say anybody who has to assist with surgeries, change bedpans, insert catheters, give injections and sponge baths, and provide other general care and comfort to the sick and injured on a daily basis is almost by definition, underpaid.
6. Exterminator
Average Annual Income: $31,210
Annual Income If It Were Up to Me: $125,000
Public Appreciation Meter: Exterminated.
Why They're Underpaid: Exterminators often have to work in dark and tight places. They're often required to work with hazardous chemicals too. The worst part though is they're constantly at risk of being bit or stung, or contracting rabies, hepatitis, or other diseases from vermin that most of us would just as soon never even have to look at: poisonous snakes, rats, black widow spiders, rabid raccoons, skunks, bats, gators, bees, mice, cockroaches, and rats. "Uh, Len, you said 'rats' twice." I know - that's because I really hate rats.
5. Septic Tank Servicer
Average Annual Income: $35,550
Annual Income If It Were Up to Me: $135,000
Public Appreciation Meter: "You mean somebody actually has to clean those things out?"
Why They're Underpaid: Their job description stinks - and I mean literally: Clean and repair septic tanks, sewer lines, or related structures. Clean and disinfect domestic basements and other areas flooded by sewer stoppages. Withdraw cables from pipes and examine them for evidence of mud, roots, grease, and other deposits indicating broken or clogged sewer lines. By the way, I'll give you two guesses what "other deposits" could be, and the first one doesn't count.
4. Embalmer
Average Annual Income: $39,320
Annual Income If It Were Up to Me: $150,000
Public Appreciation Meter: Better than some professions, but not as good as most.
Why They're Underpaid: When I was growing up I lived next door to a mortician. I still remember the empty industrial-sized containers of embalming powder he kept in his garage to store everyday stuff. My family became close with his and we did a lot of things together. Uncle Chuck was such a funny and easy going guy, which always amazed me considering his very somber duties at the mortuary, stories of which he shared freely with us kids as we became teenagers. One of his duties was embalming; it is a difficult and surprisingly physically demanding job. To this day I still remain amazed at how Uncle Chuck could be so easy going and carefree at home considering all the sadness and heartache he encountered on a daily basis at work.
3. Lineman
Average Annual Income: $54,300
Annual Income If It Were Up to Me: $200,000
Public Appreciation Meter: Only when the local power goes out.
Why They're Underpaid: Not too surprisingly, this job regularly ranks among those with the ten highest fatality rates. This job is much worse than that of a professional tight-rope walker, as it combines nerve-wracking heights with extremely high electrical currents. If that doesn't convince you, maybe this will. And if you have a few extra minutes, maybe even this.
2. Trauma Scene Clean-up Worker
Average Annual Income: $35,000 (according to answerbag.com)
Annual Income If It Were Up to Me: $250,000
Public Appreciation Meter: Dead on arrival.
Why They're Underpaid: Did you ever wonder who goes in and cleans up the blood, guts and random body parts after major car accidents, homicides and other similar tragedies? I don't think most people do -- they just figure a site magically cleans itself up after the authorities leave the scene. I once spoke to a guy who used to do this for a living and he said the job is absolutely horrific and often requires superhuman intestinal fortitude and emotional control. Here's a chilling job description that warns potential job applicants what to expect and here are some common tools of their trade.
1. Military Soldier/Sailor
Average Annual Income: $16,794 (First-year, enlisted)
Annual Income If It Were Up to Me: $1,000,000
Public Appreciation Meter: Getting better, but still not enough.
Why They're Underpaid: The job of a soldier is, without a doubt, the most underpaid job in the world. In addition to being charged with putting their lives on the line on a daily basis in order to protect us and our way of life, the soldier's job description also entails many of the difficult jobs previously mentioned. On top of that, they often have to do their jobs with minimal sleep, rations, and almost impossible living conditions. The freshest US recruits have to do all that for a base salary of just over $16,000 per year -- and after their military taxes are deducted it's even less. We should all keep that in mind the next time we think we're underpaid for what we do.
So there you have it: the 10 most underpaid jobs. If you're interested, you might also want to check out my list of the 10 most overpaid jobs -- I'm sure that'll ruffle a few feathers out there. ...
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Drive-By Movie Review: Crossing Over
This is a movie review of the 2009 movie Crossing Over starring Harrison Ford, Ray Liotta and Ashley Judd...
Plot Synopsis: Crossing Over is a multi-character canvas about immigrants of different nationalities struggling to achieve legal status in ...
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How Much Would You Pay to Save Your Pet’s Life?
A friend of mine recently told me a sad story that I wanted to share with you.
About five years ago, he drove his dog to a dog park across town for their usual Saturday morning romp. Unfortunately, on that particular fateful morning, when he ...
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Drive-By Movie Review: Taken
Today's Drive-By Movie Review is on the 2009 movie Taken, starring Liam Neeson and Maggie Grace...
Plot Summary: A former spy relies on his old skills to save his estranged daughter, who has been forced into the slave trade.
Me: I miss the days ...
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Drive-By Movie Review: Defiance
Today's Drive-By Movie Review is on the 2008 movie Defiance, starring Daniel Craig and Liev Schreiber...
Plot Summary: Jewish brothers in Nazi-occupied Eastern Europe escape into the Belorussian forests, where they join Russian resistance fighters ...
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Drive-By Movie Review: Killshot
This is a review of the 2009 movie Killshot, starring Mickey Rourke, Diane Lane, and Rosario Dawson.
Plot Synopsys: Carmen Colson (played by Diane Lane) and her semi-estranged husband Wayne are placed in the Federal Witness Protection program after ...
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Personal Finance Decisions: The Good, the Bad, and the Ugly
Regular readers know that I absolutely love Clint Eastwood movies. The other day I was watching for the umpteenth time one of my all-time favorites: the classic Sergio Leone spaghetti western The Good, the Bad and the Ugly. While I was watching the ...
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Drive-By Movie Review: Knowing
This is a review of the 2009 movie Knowing, starring Nicholas Cage.
Plot Synopsis: Astrophysicist and grieving widower, Professor John Koestler, studies a sheet of paper from a time capsule that has been dug up at his son's elementary school; on it ...
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Evaluating the Cost of Extreme Frugality
Earlier this month one of my favorite personal finance bloggers, Bret Frohlich, wrote a terrific piece where he declared war on frugality and explained why frugality doesn't always pay.
In fact, Bret's post got me thinking about those who choose to take on a life of extreme frugality. Keep in mind that I'm not referring to people who dutifully cut coupons and grow their own vegetables.
Instead, I am talking about people who bring home roadkill for dinner, read by candlelight, and/or eschew heating regardless of how cold it is outside.
Why would anybody ever choose such a punitive lifestyle?
As I see it, there are three predominant reasons:
1. After living far beyond their means for too long, they discover themselves to be deeply mired in debt, like this college student who chose to live out of a pick-up truck.
2. They are committed environmentalists that are determined to try and "save the Earth", like this lady.
3. They are fanatical, committed anti-capitalist knuckleheads that are determined to try and "save the Earth" - like the Freegans.
By the way, on their website, the proudly-unemployed Freegans unabashedly proclaim to us uninformed working-class sheep that not only does "working suck," but it is "dehumanizing" as well.
Interestingly enough, in the very next sentence the Freegans go on to espouse, without the slightest hint of irony, the joys of dumpster diving. Go figure.
Just Remember...
Those who practice extreme frugality do not have a monopoly on making life harder than it has to be.
And while it is important to invest in your financial future by doing everything you can to stick to a strict budget and stay out of debt, please don't go so far overboard that you forget to invest in your quality of life as well. :-)
Life really is too short to live like a refugee if you don't have to.
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Drive-By Movie Review: The Women
This is a review of the 2008 movie The Women, starring Meg Ryan, Annette Bening, and Eva Mendes.
Plot Synopsis: A group of close-knit women try to figure out how to help their friend when she finds out that her husband of 13 years is having an ...
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Drive-By Movie Review: Gran Torino
There is nothing more irritating for me than eagerly settling down with the Honeybee to watch a movie we've rented that, ten minutes after the opening credits, makes me realize I should have chosen to do something a lot more entertaining with my ...
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Bernard Madoff Starts His 150-year Sentence
Good. ...
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Kids and Money: Our Decision to Let Our Impulsive Spender Fail
I've written in this space before about just how difficult it is to teach kids financial literacy. For every kid, that seems to have a natural ability to grasp the value of a dollar and a real determination to save as much as they can, there is ...
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