Positives and Negatives

It was the best of days, it was the worst of days...

Positive: I got to play in Lydia's Junior Jury Recital today! I was very pleased to have this opportunity, that she shared it with me, and that she even asked. Of course, the real star today was Lydia (and her "full" accompanist, Bekah, whose piano skills are quite covetable; now, I'd say the same "covetable" thing about Lydia's voice, but people might consider it a bit odd if I was a powerful first soprano). The piece I got to play with her on was "All of Me" - like the one below (Billie Holiday), but up four half steps (or two whole steps, if you prefer). It was a lot of fun, and an experience that I imagine not a lot of dads get to enjoy, which I did! Thanks, Lydia! (Note: I'm not quite as good as the sax player in the Billie Holiday version - might could be, if it were my profession, but I'm just an amateur.) We'll be doing it again April 4th, if you're interested in the rest of the concert. Oh, and yes, she passed the jury!



Negative: car dealerships. Whether incompetent or unscrupulous, don't tell me "we're close; bring your car in for us to take a look" when we're not even close. I have a 2006 Kia Sedona (LX) that I asked if they'd be able to trade for a couple of vehicles on their lot, a 2002 Isuzu Rodeo (S, 2wd, V6) and a 91 Olds 88. "I think we're close" he says. I think we should be - the Isuzu has a trade value of 2350-2850 or so (NADA), and the Olds - well, you can't even get trade values for it from NADA or KBB online.  My Sedona has a trade value, even with its "excessive" mileage (137k or so) of 3050-3800 (NADA). So, I figure, we're close, let's go see. (Why two? 'Cause Ronnie just turned 16, and a "big" minivan isn't quite a great teen vehicle, and it would be convenient to have something for him as well as something for me to run around in as well.) Of course, I can't get to the dealership before they sell the Olds, but the guy assures me, "I have a few more in mind that should work." So this evening, on the way back from a great day in Jackson, MS (where Lydia goes to school), I stop by. Long story short: they offer me $1,500 for the Sedona and want me to pay over $4k to trade the 06 Sedona for just the 02 Isuzu. Um, no. 1) My van is worth at least twice what you're offering (based on the fact that they were claiming the Isuzu was wholesale value at the price they were listing it - they were way off there); 2) that's not "close" - that's "way far apart"; 3) I'm not going to pay money to trade my "old" car - on which everything works - for your older car, on which not even everything works (the rear wiper doesn't work and the button on the rear door to open the glass portion is loose and falls out). And why are you wasting my time? I spent an hour or so at the dealer for "we're close" when you aren't even in the same ballpark - what you told me was either incompetent (you didn't know what you were talking about, or you failed to check on what you were saying prior to saying it) or unscrupulous (you flat out lied, or you failed to check on what you were saying prior to saying it). Either way, you're wasting my time. (If you want to know what dealer, it's Springhill Toyota in Mobile.)

So, anyway, positives and negatives today... but the positives definitely outweighed the negatives! And if you're interested in Lydia's recital (9 songs or so), let me know and I'll get you the details. And if you're interested in buying a well-cared-for 2006 Kia Sedona (so I can buy a couple of older, cheaper cars), let me know...

Why isn't my quarter worth $2.33?

I have a quarter. It's a 25-cent piece, but it's a 1965 quarter. It was minted in 1965, and it was worth 25 cents in 1965. It's now 2013 (yeah, the Mayan calendar apparently does go on). 25 cents bought a lot more in 1965 than it does today. For example (following are based on various internet sources; you should find similar values if you do your own internet search):

• average new house cost:
• 1965: $21.500
• 2010: $272,900
• a gallon of gas: 
• 1965: 31 cents
• 2013: 3.40 (or so)
• a loaf of bread: 
• 1965: 21 cents
• 2010: $1.88

Let's take a specific example: in 1965, a brand new, base Ford Mustang was (depending on your source) around $2,372 (MSRP), while a 2013 base Ford Mustang carries an MSRP of $22,200. In other words (well, in other numbers, actually), the 2013 Mustang costs roughly 9.36 times as much as a 1965 Mustang. Applying that to our 1965 twenty five cents, the equivalent 2013 value of 25 cents in 1965 is $2.33 (and that's truncating instead of rounding! decimal place #3 is a 9).

So, if I have a quarter that was worth 25 cents in 1965, why isn't it worth $2.33 in 2013?  I think it should be. There should be a formula for calculating the "current value" of prior-year coins for retail purchases. But I guess that would be too hard for most retail shops, huh?

Anyway, I sure could have used that extra value tonight as we took my oldest boy to the ER, where our BCBS/AL insurance requires a $250 copay. Would have been really nice to pay for that with about $26 worth of 1965 quarters! (Of course, I don't have that many 1965 quarters, but I have quite a few quarters of various years, many at least a decade old, and that surely would have added up!)

By the way, based on this site, that 1965 quarter is probably worth a buck or two to a numismatic (coin collector, although the term apparently includes tokens, paper money, and related objects). In excellent condition, it would be worth up to $8.  That $8 is certainly more than the $2.33 in my mathematical formula. However, I'm referring not to collector value, but to actual, face value... the 25 cents is not based on the "equivalent value" of 25 cents of the minting era, but rather the face value of 25 cents. Seems quite a loss to the consumer, or a gain for a bank.

Acorn Recipes!

The following article may be invaluable to you, sooner or later:

Acorn Recipes and Acorn Preparation - Grandpappy's Basic Recipes - by Robert Wayne Atkins, P.E.

Acorns are all around us (there's about a billion of them on the ground next to where I park at church), and generally they're free. If you don't have any in your yard or neighborhood, check your local park; they probably have them all over the ground. And if you happen to have oak trees in your yard, even easier to collect: just set out some baskets underneath the tree(s), or perhaps some small opening net, such as fishnet or screen, on the ground, then all you have to do is collect the baskets or pick up the netting. Why, you ask? Since they're free, it will reduce your grocery bill. Just replace your use of flour with acorn meal, and other staples as well. I haven't read the whole article, but I do recall acorn pancakes.

This will be especially helpful once your paycheck starts to decrease due to the increased social security taxes this year. In fact, not only will you be able to reduce your grocery bill, you might be able to start offering the acorn meal to friends and family and/or start selling it from a roadside stand to supplement the diminished paychecks, a win-win!

Of course, if you're allergic to nuts, I wouldn't recommend trying this, as an acorn is still a nut. I'm allergic to nuts, I think, but of the human variety... I don't even have to touch them before I start to show symptoms, typically irritability and lack of listening.

(If you do happen to start making a ton of money off sales of acorn meal, please consider a donation to the author of this blog, so I can continue bringing you money saving and money making tips!)

Alabama cheats (and other stuff)

I promised more details later, and I guess it's now later, so here we go, run-on sentences and all.

First, attached (down below) is a pic of a nasty bug that was on my windshield as I started off for Upward Basketball this evening. It wasn't on there for long, once I started getting speed up to where it could no longer hold to the windshield, poor bug. I didn't go back to look for it though.

So, I guess you're wondering why I say Alabama cheats, huh? Well, I'll tell you. It has to do with a speeding ticket. No, not my ticket, and not one of my kids' tickets,  but I won't tell you whose it was (even though I was in the act of paying it). So, in Alabama you essentially have two choices for paying a ticket: go to court, and pay the court cost on top of your ticket fine, or pay it online, with a "convenience fee" tacked on. There's no way to pay just the fine. To me, that's cheating, tacking on extra money beyond the fine, that there's no way around. And so, Alabama cheats, increasing revenue of fines without the legislation to increase said fines, and without increasing the fines themselves. Cheating.

The whole "online payment convenience fee" thing is really bogus, anyway. Instead of having to pay someone to take my payment info over the phone, or to pay someone to process the endorsing and depositing of a check, your website processes the payment automatically. In reality, you should get a convenience discount for paying online, since you're saving whoever you're paying quite a bit by paying online. But, as usual, common sense takes a back seat to common cents. (Ha ha, see what I did there?)

And we're all going to need discounts, what with our "no tax increase on the middle class" going on. As with most people, my paycheck was cut this first paycheck of 2013. Social security tax went up by 2%, which equates to 47% more SS tax per paycheck. The irony is that SS tax is only calculated on the first $113,700 of your paycheck. That is, those who make well north of middle class will only be additionally taxed as much as those who make the aforementioned 113k. Proportionately, the percentage will actually be lower, since the additional tax dollar amount is a much lower percentage of the overall pay.

Anyway, enough about that for now (ask if you want more info or specific examples). Unrelatedly, I'm typing this blog out on my new to me phone, an LG Lucid, with no physical keyboard (while watching "Sherlock" on Netflix). Hopefully I've caught and corrected all the typos in this post. If not feel free to berate me. I'm a big boy (but dieting!), so I can take it. I think.