Driving Down To Media

This morning I decided to give my wife a small respite. Following breakfast and a short stint in the playroom to get some early morning energy out, I packed everything up in the diaper bag and strapped my son in his car seat. It was time for a little road trip to someplace new. I had been thinking about driving my son to the main line for some time now to show him a new place but also somewhere where he could walk. I also wanted to test something out.

As we passed the sights that our son has seen dozen of times before he was rather talkative and wanting to play peekaboo with daddy from the back seat. While on the highway he also wanted to hold my hand as we coasted past the slower cars. Eventually we made it to some unfamiliar roads and his demeanor changed. Like his daddy, he wanted to see as much as he could and was glued to the window of the car taking in each new sight, street, and intersection.

It was actually rather interesting for me as well since it had been a long time since I had driven down these roads and some of the things that I remember passing were no longer part of the suburban landscape (like the Granite Run Mall). Surprisingly on schedule, we made it to Media shortly after ten and, shockingly, found a legal parking spot along the street about a half block from the surprise I had planned for that morning. Similar to during our drive, he was wide eyed as we walked passed all the new buildings, turned the corner, and slowly climbed the steps.

Inside he was mesmerized by the small shiny disks lining the cases and gladly kept browsing as he finished his morning snack. Given my sons previous interest in pocket change and, more so, in paper money, I knew that this would be something to hold his interest and it wasn’t surprising when he decided to meticulously analyze each of the coins in the display case through the glass. This also allowed me to catch up with the proprietor of the store whom I had not seen in years. When I had finished catching up and my son had finished his snack, I finally asked for what I had hoped to pick up while we were there… wheat pennies.

I guess you could say that this is something that I am passing along from my youth as I remember sorting through bags of them and filling in the empty spots in the folders. It is also a way to connect our families as we have a few that have been passed down from my wife’s grandfather that I want to make sure that our son has in the future. They’re inexpensive and every coin shop has them making it easy to pick them up from time to time. What did surprise me this time around was that the store owner handed over a full bag and refused payment saying that my son was “the most well behaved that that has ever been in the store.”

We gratefully accepted and parted ways that morning with my son eyeing his bag of treasure all the way to the car where we locked them up for the remainder of the morning. After strolling up and down the street a few times we returned to the car (with time left on the meter) and made our way back home pretty close to schedule. Tracing back through the same streets and excited from our time out, the baby babble was much more intense on this leg of our excursion and I enjoyed every minute of it.

Reversing the Flow of Packages

While I have received a number of packages from Amazon and other retailers (i.e. Allen Edmonds) lately, I have also been sending a lot of packages out as well. In fact, I have been sending out more packages and items overall than I have been receiving. In addition to the returns process (which has been pretty good despite what some have said about Amazon customer service) because of clothes being absurdly smaller than that which is stated on the tag and overall descriptions not quite matching up with what I received, I have also been collecting the unused items, unwatched DVDs, and unplayed video games from around the house and selling them to Amazon for credit.

At this point I think we have gotten rid of about five or six moving boxes worth of stuff that, in the future, I won’t have to haul from place to place, store here or there, and open and close trying to find that one misplaced item. Putting in the time and selling these items now is saving us a lot of time in the future and putting a little bit of credit in our account as well. Of course, that credit did lead to some of the aforementioned returns so really it is just a vicious cycle. But at least shipping is free across the board.

That credit has also served to help us get a head start on buying some of the Hanukkah gifts for our son. Nothing big but some toys that we have been eyeing since we either saw them in a store or at someone else’s home. However, while we have gotten a bit of a jumpstart on our holiday buying (definitely not the first time we have been in this situation) it has also introduced another issue. Remember that vicious cycle I mentioned earlier. Well, we may have gotten rid of a lot of stuff but we also have a lot of stuff coming in which is currently stacked in a few boxes along the back wall of my office.

It is actually a pretty eclectic pile as there are toys, home upgrades, gifts for family members, shoes, and a completely overhauled wardrobe. And those are just the things that I can remember or see when I glance over. Thankfully, the pile is a bit deceiving as the packaging takes up a bulk of the space, the clothes are replacing ones that I have already donated, and the gifts will be handed out in about a month so it really isn’t that bad and we are still saving space. Of course, I don’t expect this to last and I am sure I will find myself writing about this again like I am doing now and I have done in the past. But, until then, we will certainly enjoy a little extra space.

Packages And Returns

It seems as though there is one package or another that arrives at the office on a daily basis. All different shapes, sizes, and weights. Some business and others personal (especially around the holidays). Also a common sights is the occasional box that is put aside to be picked up and returned to where it came from. I have heard all the reasons for send something back even though I rarely do so myself from wrong size or color to poor quality, wrong item all together, or arriving too late and everything in between.

Every time I see one of those packages heading out the door I can’t help but think about the cost of those returns and how the “free returns” policy isn’t really a free service as those anticipated costs are factored into the price of the object. When I looked into the data behind returns (focusing on the online side of things) I was taken aback by the percentage… in 2013, The Wall Street Journal found that nearly a third (33%) of all online purchases were returned for one reason or another. That is a lot of money spend on “free returns”.

Beyond the money it just seems like a pain in the what to have to go through that process and I tried finding some more information on what impact it has on the retailer. From a recent survey I found the following statistics:

• 54% of respondents stated that the reason for returning an item purchased online or by phone is because the item is the incorrect size or color
• 97% of respondents stated that the return process is important to their future intentions to shop with a retailer
• 73% of respondents who receive an incorrect item after already returning it once stated that they are much less likely to shop with that retailer online or by phone again for future purchases
• 45% of respondents who have experienced continuous return process issues with particular retailers stated that they have limited shopping with that retailer altogether (both online and in-store)
• 26% of respondents expect the correct item to be shipped to them within one to two days after returning the incorrect item

While I rely more on the end cost of the item and tend to put up with these errors, it seems as though I am among the minority. But it makes me think more about the disconnect that many people have from the products they buy while maintaining the “I see it now and I want it now” mentality. While I prefer going into a store and buying the items that I want or need, online is an inexpensive alternative to get the same thing at a much better price. I wonder how many of those in the above survey could have avoided the return had they seen the color in person and determined if something ran large or small while trying it on in the store.

We have to remember that while online shopping is convenience and cheaper, the in-store experience is sometimes worth the ten minutes out of your day and ten cents out of your pocket. Heck, sometimes it is cheaper to buy in the store if you simply talk to the sales person, manager, or owner. That little bit of time can end up saving you a lot of aggravation if not money and if people stop returning so much stuff online it might even drive down some of those “low prices” even further.

Surrounded By Devices

Could be worse!

I have never been a big proponent of all the devices and new technology that tends to dominate the lives of many. I have never gone out of my way to buy the biggest and best phone, computer, etc. Overall, there are a few things that I use on a daily basis (namely my work computer and my cell phone) and everything else doesn’t really matter. This is why I was so surprised when I looked around this weekend at all the devices that fill our apartment.

While I really only use my phone and computer, I also have a small stockpile of old laptops teetering on  shelf in the office closet and a few outdated mobile phones that my wife and I haven’t used in years. And that is just the beginning as between the two of us we also have several tablets, cameras, and other ancillary items that we used briefly at one point or another for work. For not buying a whole lot of technology we sure have a crap load of it floating around.

It just seems like these things have accumulated around us without us knowing about it. We each have 3 or 4 generations of computers, 2-3 cameras, 1 or 2 old phones, and three tablet between the two of us. Many of these items just kind of hung around and fell into disuse like the island of forgotten toys and most of them were remnants of previous employers and previous incarnations of our hobbies (i.e. game systems and cameras). I guess that is the down side of employers allowing me to keep my computer (and being a bit of a packrat).

Other items that are orbiting the clutter have been either free (Kindle, Nook) of really, really inexpensive (several laptops, Wii, no name tablet). Of course, all of this doesn’t include the random little pieces of antiquated hardware like portable CD players, old iPods, and portable dictionaries. Kind of makes you think about doing a little extra cleaning and getting all of this crap out of our living space. While none of the items are particularly large of taking up any significant room individually, when you add them all together it does take a toll on the limited space that we have in our apartment.

Never took notice of the latest devices but, over time, they just seem to accumulate. They all work, sometimes the old ones are preferred over the new ones, but are they worth the hassle of storage and the random times that we pick them up and use them? I guess I will just have to keep closer track of whether or not I pick them up and put them to work. If not, I will have to salvage what I can off of them (this is mostly regarding computers) and find the best way to get rid of them (possibly at long range). This could get interesting.

Does It Make Sense?

In addition to the changes mentioned previously regarding the annual encore of this blog I decided to give something else a try… AdSense. While I have enjoyed an ad free environment during this past year it was time to face the reality that this simple inclusion doesn’t cost me a thing and doesn’t interfere with me posting content on a daily basis. Of course some people may be annoyed but this is the state of the internet and everything else on my blog is free.

We are in an age when browsing websites is quickly becoming passé. It seems as though every other site has a pay portal keeping me from taking a look at the content and reading what people have to say about different subjects. And while the other pages are littered with ads, some to the point of overkill, at least the content is still free and I can think about what people are writing rather than whether or not their work is worth reading before I have a chance to read it. If you couldn’t guess, I don’t do pay portals.

So, this is my way of finding a bit of a happy medium. There will be ads posted in a couple of spots on the blog. It will be minimally invasive and, for the most part, lost in a torrential river of free content. Keep in mind, this is something completely new to me so if the ads seem a bit odd in the beginning it is because I am still trying to figure out the settings. There are different ways to shape the ad content and with the little time that I have, I am unable to explore all the tools at my disposal to hone the content. Of course, you could also see the ads as an accompaniment to the randomness of my posts.

Over time, I hope to find the right mix to compliment the content I post. Maybe it might add value at that point and provide you easy access to various companies, products, and websites. Who knows but that is the goal. At the very least I had to make you aware of this possible change… Of course, all of this may be moot if the blog doesn’t pass through the review process. While I have looked at some of the no no’s in the user policy and I don’t think I am in violation of any of them, you never know and maybe you will continue to read this blog free of ads.

Staying Close To Home

After having traveled every weekend for the past couple of months my wife and I decided to take a little break this weekend and instead of exploring somewhere new we visited a place we have been going to for a number of years. It only takes about 20 minutes to get to Fort Washington, Pennsylvania from our apartment but it is still a drastic difference from the constant flow of traffic along City Avenue. There really is not a whole lot to visit up there especially on Commerce Drive where our destination is located.

Not much to look at from the outside.

At the end of a long row of warehouses there is a building that looks identical to others on the street. The blank canvas on the front of the structure doesn’t offer any curb appeal and the location is not going to draw in any foot traffic but don’t let the appearance fool you. Turning the corner and pulling into the parking lot there is nothing that captures your attention but when you look into the windows it piques your interest right away (at least it does for book lovers like us).

The van offers a glimpse of what you will find inside.

The Harvest Book Outlet is store that too few people know about which is both a good thing and a bad thing. It is nice to walk in to a sparsely patroned store and find a wide variety of books that catch my attention and that I will be able to use and enjoy. At the same time, it’s a business, and I want them to thrive in this ever changing book business. E-books are nice but nothing compared to sitting down with folio of ink and paper and enjoying the turning of the page.

For those of you (most of you) that are unfamiliar with the establishment, Harvest is a used book store that allows you to get your literary fix. Adult books out on the shelves are priced at two dollars apiece (buy 5 get 1 free) with the occasional volume priced at five dollars. Children’s books, where I can find my wife most trips, are priced at a dollar with the same buy 5 get 1 free deal. I don’t think I have ever gone there without leaving with at least a few interesting finds. For some of the harder to find more expensive books you can search their online database.

What a beautiful sight. Time to get my fix!

For my wife we have found a wide variety of Wizard of Oz books while I have found a tremendous amount of research volumes to assist me with my genealogy as well as poetry books to keep me connected with my long standing passion. In many instances, this has been the only place (including online) where I have been able to pick up hard to find books and it is one of the few places that doesn’t take advantage of that fact and keeps their prices reasonable. And when you are finished with the book you can bring it back the next time around and get some store credit.  

But the indulgence doesn’t end with books, movie fanatics can go through the DVDs and get the same deal that you would with adult books. Audiophiles can browse through rows and rows of CDs and find a wide variety of artists and genres. Some of the music and movies can even be found still in the shrink wrap.

No matter your creative addiction you can get satiate your needs while staying on a budget. There are few brick and mortar places still around where quantity, quality, and value are in harmony with one another. Harvest is one of those places and I recommend everyone in the Philadelphia area and anyone who happens to be in the area for work or pleasure to stop by Harvest Books, take a look around, and get your fix.

Friends With Benefits

When trying to keep a budget and cut costs there is a small group of friends that are always there to help me out… membership cards and coupon. Whether its groceries or office supplies, oil changes or admission fees, I am always looking for ways to reduce the price of items and services. Sometimes I am able to save a little, sometimes I save a lot, and occasionally I can either get something for free or make money purchasing it.

No, I am not one of those extreme coupon people on TLC although I do get a kick out of watch that show. I simply take about 20 minutes each week and go through the circulars, mailings, and emails that I get, clip or copy them, and put them in an envelope. That’s it. It doesn’t take much effort at all and that basic process, combined with the free membership cards, usually averages about a thirty percent savings at the super market every week.

Over the course of the year, with regard to total dollars, that is the most significant chunk of my savings. However, there are other areas where I can save a significant amount at a much higher percentage. The most common of which are office supplies. Thanks to Staples, I am able to save anywhere between 50-75% on anything ranging from printers to paper to bottled water. This is also the place where they have paid me to buy supplies.

Again, this is very simple and requires minimal effort. What usually happens is that they will promote a 100% rebate offer for a product (most recently it happened to be 4x6 photo paper). So, if you are willing to wait a month for reimbursement they will essentially give you the product for free and credit your rewards account for the purchase. But you can take it a step further. By utilizing a coupon that takes a percentage off your total purchase (rebate items are not sale items so they are not exempt) you can essentially get a rebate back for more than you paid for the product.

Of course, as I have previously written about, sometimes I come across free items and free contests. If it’s free, and I don’t have to set aside time to do it, I am definitely interested. No time, money, or effort is a great, and rare, combination.

The other side to this cost saving equation is where some effort is definitely required. Usually, this is when you are looking for a specific item or brand and you have to shop around to find the best price. There is a simple way to ensure success: know the price match policies. You can look around and think you found the best price but, sometimes, you may forget to check a certain store or maybe that item goes on sale the following week. It’s a great safety net that can put money back into your pocket.

One last thing to remember is that while the savings on any given day or on any particular item may not seem like much it really adds up. Keep track, a rough estimate is fine, on how much money is left in your pocket by taking the time to pay attention to prices and using the system to your advantage. You would be surprised how quickly the dollars add up by simply investing a little effort and even less time. Or think about it this way… how much are you saving during an average week? How much time are you putting into this? With those two figures in hand, what is the hourly rate you are getting paid?

Let me, and all who happen to read this, know of your experiences. How do you save money? Where do you find the best deals? What is the best deal you have ever gotten on an item?

"You Won My Kindle!"

I was already having a good day up to that point and what happened next made it a great day... I won the free raffle I knew nothing about heading to the campus that night. I wasn't even going to go until I decided last minute to accompany my wife to the Graduate School Open House at St. Joe's University. I'm kind of glad I went instead of just sitting around on Thursday night.

As I have mentioned before, I like free stuff and what makes this situation better is unexpectedly getting something for free. After my wife was two numbers away for one of the runner up prizes I even made the comment that we should just throw our tickets away and not pay attention when the grand prize numbers are announced. This is why I try not to listen to myself.

Needless to say, they called my numbers, 326066. My only response was to turn to my wife and comment "No S**t" and walk up to the stage to claim my Kindle. After sitting in on some of the graduate department overviews, I got my picture taken my admissions, and we headed to the car to go home and rest for the night.

Since I said those words to my wife, she has regularly been telling me "You Won My Kindle." Actually, I think I won my Kindle but you can have visitation rights every now and then.

To read more about this interesting turn of events from my wife's perspective visit her blog at

http://samanthat4d.wordpress.com/2013/07/26/he-won-my-kindle/.

Being A Cheap PITA Can Keep You Sane

Right now money is tight and I try and watch what we spend. Most of the time its easy while other times it can be hard. There are a couple of things that make it very easy to keep a firm grasp on every penny.

The schedule that I keep has me sleeping for much of the normal waking hours so it is a time that I don’t have to think about what needs to be picked up or purchased. All I think about is sleeping. It also delays the purchase of items to make sure they are really needed rather than a simple want or desire.

The other thing that makes it easy are the people that either call me (despite the fact that I know for certain that I am on the National Do Not Call Registry) or send me generic letters. Especially when they can’t even get my name right… if you want me to even listen to your request get my name right first. Also, when I answer the phone you better be ready to go because if you stutter you leave yourself open to me venting all my frustration and anger on you.

You may not even have done anything wrong, you may be a damn fine individual, but I’m going to let you have it. To me, telemarketers offer a great service to society… free therapy. If I have to deal with the BS system that your industry employs you are most certainly going to deal with mine.

This is not something that works for everyone but it works for me and I feel much better afterward and, in fact, I actually saved some money rather than having it cost me anything. Please also note that this works particularly well when you call them back (after they fail to leave a message of course), let them tell you why it was so important for them not to leave a message, and let it rip. Again, I am willing to put in a couple minutes of effort for a free stress release.

Now, on the other end of the spectrum, you can try to sell them something. I don’t care what it is or even if it’s real, just keep talking and don’t let them get in a word and sell, sell, sell. It’s a great feeling when you get a telemarketer to hang up on you and an even better one when you get them interested and let them know that “unfortunately, we just sold out. Can I call you back at a later time?”

In both my own experience and the tales told by many others I know that make these types of calls in a diverse cross section of industries, this is an old fashion sales method that is going to provoke these types of responses and those who do this for a living expect it and understand it. In fact, about 3/4 of the people with whom I spoke, prefer these types of calls because it keeps the person on the phone so that once they stumble in their retort it opens them up to be sold again. "It is all part of the game" is the common justification of the process and this is why they requested I write this post.

Personally, this process is it has kept my wallet close and my sanity closer. And I don’t even have to mention a do not call list to make the solicitations stop. Maybe this is why I was never a fit for the sales field… I enjoyed these types of calls and the back and forth fun that you can have with them. But, in the end, I enjoy being on the other side of the phone too much. Of course, it could simply be that I have a tendency to be a PITA.