Payday Loans

March 2006 Monthly Archive


Is probably you.

Your cousin, uncle, sister’s friend, mom’s coworker, next door neighbors—they all come to you with their computer problems.

I’m making an assumption here, but I have a feeling a lot of us here are the family’s computer tech support, or we have that one geek in our family that we bug constantly about computers.

It’s not so bad really. I use to get all annoy about it, till I grew up and became less of a punk.

Top 5 Reasons on “Why It’s Not So Bad to Be The Family’s Tech Support:”

  1. You get to scare your grandma. “Oh my! Look at all these porno!”
  2. You get to look at some new adult materials you haven’t come across yet.
  3. You get to act smarter than you are by doing simple things such as “defragging” their computer.
  4. You get to piss your family off by acting like you’re smarter.
  5. You get to save them money, so they don’t have to pay some jerk from Best Buy $300 to get rid of their spyware.


More freebies. The Money Blog Network is giving away a copy of Dave Barry’s Money Secret! All you have to do is leave a suggestion. Easy as pie! More information at the Money Blog Network.

I’ve also wrote a review on Money Secret. Needless to say, I liked the book more than Nickel did at Five Cent Nickel.

Maybe because I’m an immature kid?



Let’s not kid ourselves Wal-Mart. There’s no way self check-out is fun.

Fun my butt!

It may be fast (sometimes), and it may be easy (sometimes)… but I never had a blast standing there, fumbling around looking for the product’s UPC code, scanning it 50 times, or enjoyed hearing the machine telling me: “Weight in basket is incorrect.”

You can also find these “fun” self check-out stations at many supermarket chains across the country. They’re a bad idea to use if you have a bunch of produce with you.

I do use self check-out occasionally, if the lines at the cashier is long and especially if I have a small quantity of items. But it was never fun. It can be a convenience, but it should never replace real cashiers.

Just look at the helper staff at the self check-out station. They sure as hell aren’t having any fun.

Related Post:



Stop Buying Crap #1 | #2 | #3 | #4 | #5 | #6 | #7 | #8 | #9 | #10 | #11 | #12

Cars That You Can’t Afford

Please people, stop buying cars that you can’t afford.

Exhibit One:

G35 + Cap N Crunch = Yum!

The Infiniti G35, a pretty hot car that’s Cap N’ Crunch approved:

Cap N Crunch can do 0-60 in 6.8 sec!

That’s my mommy’s car. She asked me where I was going with the cereal box and why I needed to borrow her car keys. I told her it was a secret and giggled like a girl.

The G35 is a pretty nice car. It received the 2003 Motor Trend Car of the Year award, and in my opinion it deserved it. Sure, the 2003 model pictured only has 260 hp versus recent year’s 280, but it’s still a nice ride.

Regardless, I believe the G35 was a bad purchase by my mom. I’d hate to be an ungrateful bratty son, but I honestly don’t think it was a good idea for my mom to have bought the G35. Just because she can afford the monthly payments then, doesn’t mean she can afford the car now. Unforeseen pay cut, accumulated maintenance cost made the car much less affordable for her through time.

The problem a lot of people seem to have when they’re shopping for a car, is that they don’t consider the overall cost of the vehicle. Ownership cost such as preventive maintenance and insurance can add up a bundle overtime. It’s pretty basic stuff, but it’s something a lot of people neglect. They take a look at the monthly payment, and decide that it’s “just a little bit more.”

I know way too many peers within my age group that “own” cars that they can’t afford. Whenever there’s a gas price spike, they’ll groan and complain about how much a tank of premium gas cost for their performance vehicle. I promptly roll my eyes. A guy I know from high school bought a brand new S2000, ate up the deflation value of the vehicle, and sold the car within a year—because he couldn’t afford the high-price car insurance.

Pretty ridiculous right?

How many stories have you heard where people buy cars they can’t afford, and ended up with large amounts of debt? It doesn’t matter if it’s a used car or a new car, if you can’t afford the ownership cost of a vehicle, you need to think twice before you buy that car!

Other sexy cars that you shouldn’t buy:



I usually ignore emails from companies pitching their products or service, but the guys at Consumer Union (Publisher of Consumer Reports), are an okay bunch with me.

So here’s a plug for HearUsNow.org, a consumer advocacy website which focuses on the media and telecommunications service industry. The website contains a very nifty database of consumer stories. For example, here’s an all too common story on how AOL won’t let you cancel their service because AOL was created by the devil (emphasis mine).

Searching the database is easy enough. You can either go read each individual category, or find consumer stories regarding each specific company at specific states. It’s a handy tool to see which of the lesser evil service provider you should go with (provided you have the option to even choose).

So if your cable company is screwing you over again and you feel like ranting (but don’t feel like making a whiny blog like this), you can head over to the database and share your woes to the world.

Nicely done, Consumer Union.



Whatever the heck they are!

I was reading a recent post by Ian Ybarra, which mentioned a bit about family influences on a child’s life choices, the post made me realized how insanely lucky and spoiled I am.

My parents never really pressured me toward any one specific career path ― not because they don’t care what I do, but more so because they just want me to be successful and happy. The thing that I’ve come to realized as I got older is that being successful and happy is a really subjective matter. Thankfully, what my parents feel qualifies as success and happiness, is easily attainable.

I don’t need to be a doctor if I don’t want to be one, even though according to my parents, I could be one if I want to.

I don’t need to be a lawyer if I don’t want to be one, even though according to my parents, I should be one since I won’t stop arguing with them.

I don’t need to be the President of the United States if I don’t want to be, although according to my parents, there’s no way in hell that could happen.

I just need to be be able to take care of myself and be happy at what I do.

Thanks mom and dad! Because of your pressure-free parenting and love, I have now created a blog in a niche market, with a readership of 15!

Life is good.



The question is a bit vague, I know.

Recently, one of my cousins seems to be changing right before the family’s very eyes.

My cousin is a hard worker. She completed her undergrad work at USC and went on to finish USC’s School of Pharmacy within two years. She was one of those shy type of people that kept to themselves. I respected her, for the level of commitment she had towards her academic career and the dedication she has for her professional career.

Having said that, it’s really unfortunate that my cousin’s being a real prick as of late.

She started her pharmacist job with a high five figure salary. We were all proud of her, happy for her. Within a year, her salary got bump well past the six figure mark, and again, we were all proud of her, happy for her success.

But woah. I’m not sure if its the money or the success, but something is getting to my cousin’s head. During many family gatherings, she’ll make frequent remarks about how she makes much more money than all of us, and in some instances, she’ll point out that her salary is more than a few of ours combined.

Now that wouldn’t have been a big deal, but she was hinting at it towards people older than her! Her aunts and uncles!

Last Christmas, she bought presents for our little cousins, which was nice. The not-so-nice part was her flaunting the gifts around. She made sure everyone in the family knew who bought the gifts for the little kids.

I know some of these things don’t sound too bad, but these are just the reader digest version of it. The change wouldn’t have been so obvious if it wasn’t for her past personality. She use to be so quiet and so down-to-earth. Now she’s the complete opposite. When you really think about it, it’s pretty scary.

The whole thing doesn’t really bother me much, since I don’t see my cousin around a lot. But if she doesn’t cut the crap, she’s going to ruin her relationship with a lot of people.

Has anyone else had similar experiences? Suggestions are welcomed.



Lawn Mower Handle > Side of My Car.

I accidentally drove over my friend’s lawn mower today as I pulled into her garage. In the process of bending the mower’s front axel, the lawn mower’s handle bars put a nice good dent, and a long fashionable scratch on the side of my passenger side door.

Argggh. I think I can buff out the scratches with rubbing compound, but the dents are there for life.

  • 3M Rubbing Compound – $6.58
  • Pack of Terry Cloth (3) – $3.25
  • New front axel plate for Craftsman Mower – $5.80

On the plus side of the whole thing, I had a weird premonition right before I drove into the garage (it was feeling like a bad idea). Maybe I have ESP?



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