Coffee heat rising

w00t!! Funny Breaks into the Top 100

 OMG! Funny just made it onto the first page of WiseBread’s Top 100+ Personal Finance Blogs! Number 99 out of 100, with an Alexa ranking of 127,986.

This, thanks to Financial Samurai‘s Yakezie Challenge to bloggers who wanted to improve their traffic and various measures of popularity. The idea was, by July 4, to move your ranking from wherever it was up to the next rung. If, say, you were in the 200,000s (on a scale of 1 at the highest to a zillion at the leastest), you would vow to break into the 100,000s. If you were already there, you would try to get into the five digits. And so on. The theory behind Sam’s scheme: Power in numbers. Collaboration surely had to get us all somewhere.

Funny was a late-comer to this effort. Several friends urged me to join, but I was busy and came up with many excuses to drag my feet. Finally, a little more than a month ago, I downloaded the medallion, installed the Alexa toolbar, and announced FaM’s participation.

At the outset, FaM’s ranking was about 235,000. In just a week or two, this dropped to 199,463. It took 29 more days to arrive at today’s figure, which lifts the site into the Top 100.

So, who are these Yakezieites and what can they do? Just yesterday, Penny at The Saved Quarter published a really nice round-up of the some of the members’ best posts. This is a great place to go to find PF bloggers showing off their favorite work.

From the Yakezie site I found what appears to be the latest membership list and alphabetized it. There may be others who don’t appear on the list—I see a few names on Penny’s post that don’t seem to be here, while some here aren’t in hers. But it was the only membership list I could find. This, then, is my version:

The Amateur Financier
Barbara Friedberg Personal Finance
Beating Broke
Bible Debt
Bucksome Boomer
Budgeting in the Fun Stuff
Canadian Finance Blog
Car Negotiation Coach
Chasing Prosperity
The Centsible Life
Christian Common Cents
CJ Bowker
Clarifinancial
Consumer Boomer
Cool to Be Frugal
Couple Money
Credit Card Chaser
Dividend Monk
Downturn Living
Early Retirement Extreme
Eliminate the Muda
Ending the Rat Race
Engineering Your Finances
Evolution of Wealth
Family Balance Sheet
Financial Samurai
Fiscal Fizzle
Foreigner’s Finances
Free from Broke
Frugal Confessions
Frugal Zeitgeist
Funny about Money
Girl with the Red Balloon
Deliver Away Debt
Invest It Wisely
Joe Taxpayer
Len Penzo dot Com
Little House in the Valley
Miss Thrifty
Monevator
Money Beagle
Money Funk
Money Reasons
More Style than Cash
My Financial Objectives
My Journey to Millions
The Millionaire Nurse
My Money Minute
Narrow Bridge Adventures
Not Made of Money
151 Days Off
One Money Design
Out of Debt Again
Peak Personal Finance
Personal Finance by the Book
Personal Finance Ninja
PF Firewall
Planting Dollars
Punch Debt in the Face
Rainy Day Saver
Redeeming Riches
The Saved Quarter
Saving Money Today
Simple Life in France
Single Guy Money
Single Mom, Rich Mom
SmarterSpend.com
Stay at Home Mom CFO
Sweating the Big Stuff
20smoney
Ultimate Money Blog
Watson Inc.
Wealth Pilgrim
Well-heeled Blog
Young and Thrifty
Zach

Many of our doughty bloggers have reached the WiseBread Top 100. Some were already there at the time the Yakezie Challenge began. And others are closing in fast.

Bookmark Penny’s page and this page! Come back and check out each of these ambitious writers’ sites as you have time. You’ll find it’s very rewarding.

🙂

Hot and Muggy!

Sun-limb-flare

Well, the power and water bills showed up at once yesterday. Not too bad: the electric was only $176.63 The water came in a dollar over budget at $126.42, but at least it didn’t out-zing than the power bill, as it did last month.

When it gets to be over 100 degrees, you have to water the potted plants every day. The roses, of which I have way too many, also need to be watered several times a week. And ohhh yeah: yesterday’s water bill also reflects the day I forgot and left the water running in the pool! Dumb tax!

So far, we’ve had a pretty temperate summer…only one 115-degree day. Now, though, we’re headed into monsoon season. At 5:30 this morning it was 90 degrees out there, and overcast. The air conditioning was roaring away when I awoke…had to jack it up to 85 to settle it down. Yuck. It’s hot and wet outdoors. This is the only really uncomfortable season in Arizona, and it will last through to the end of August.

That means the really big power bill is yet to come. The $175 is for June, a relatively cool month. The 115-degree day, when the A.C. thumped along alllll daayyyyyy long almost without stopping, occurred in July. The bill for that (and for most of the really hot and humid days) won’t come until next month. The past few days have seen the shaded back-porch thermometer at 110, and the unit has been running pretty much continuously all day long, except in the morning, when I shut it off until I can’t stand the heat any longer.

By comparison, last July’s power bill was $165.78, ten bucks less than this month’s gouge. Salt River Project, our power provider, has jacked up its rates. I forget exactly how much they managed to wangle out of the corporation commission. They tried to get an increase of 8.8%, but as I recall they dropped it, in the face of shrieks from customers, to 4.9%. That would’ve raised this year’s July bill to $174. Since I’ve kept the temps around 85 during the day—it has to go down to 78 or 80 at  night, or I can’t sleep at all—that means that even at uncomfortable temps the power bill continues to move toward unaffordable.

There’s no way to compare the water bill with last year’s, because the City of Phoenix screwed up the billing by canceling my service when someone gave them the wrong address to close out their own service. In July 2008, I had a $127 water bill. I wouldn’t be surprised but what the actual bill in 2010 was somewhere near that. In January the City also jacked up its rates, by 7.2% (!). I expect the fact that this month’s bill didn’t rise to $136, even after I almost overflowed the pool one fine day, reflects the savings realized from cutting down the endlessly thirsty, moribund ash tree.

Despite my intermittent bitching about it, the pool has earned its keep this year.

Earlier this season, I discovered that ten or fifteen minutes of paddling around in the pool really made the sore arm feel better. A lot better. So lately I’ve been setting the kitchen timer to go off every two hours, to force myself to get up off my duff and drop into the pool. While the injury is not healed and probably never will fully heal, it certainly is much improved. At least I’m not waking up in acute pain every morning, and I can now move the arm into most positions where it needs to go without too sharp a jab.

This has led me to rediscover what I’d long ago forgotten: the way I managed to  keep the power bills down in the gigantic, leaky house my ex- and I occupied was by staying wet all day. I used to shut off the AC the minute the man walked out of the house, and it would stay off until around 5:00 p.m.; because he got home around 6:30, the house would be cool by the time he came in from work. This was tolerable for me because I would run out to the pool about once an hour. In those days, I wore a swim suit and my hair hung down to my shoulders, and so my clothes and hair were damp almost all the time.

And that’s how you survive two months of 110-degree weather without bankrupting yourself. 😉

Image: Filamentary plasma in the sun’s chromosphere. NASA. Public domain.

Safeway’s Got a Meat Sale

Just came back from the Safeway. They have incredibly gorgeous 7-bone chuck roasts on sale for $1.57 a pound!

Glorioski!!

Don’t know if this is nationwide or just local to the Phoenix area. Might be worth checking, though, if there’s a Safeway on your way while you’re out and about today.

I had mine ground into hamburger, which is my preferred way of serving up chuck. It makes THE best burger, and when you have the butcher grind it for you, at least you know roughly where it came from. Have them give you the bones to simmer with some onion, celery, carrots, and herbs to make an awesome beef broth.

The Burglar Jamboree: Nine Ways to Protect Yourself

Yesterday at four o’clock in the morning La Bethulia was awakened by a knock on the front door. A cop was standing out there, inside the courtyard. When she opened the door to him, he said, “I think we have something of yours.”

And thereon hangs quite a tale.

As it develops, the entire neighborhood was targeted by a band of burglars last night. One of them entered La Maya and La Bethulia’s courtyard and stole a small, slick piece of a table, apparently to use as a tool in burglarizing their neighbor’s house.

Meanwhile, the Next-Door Neighbor Husband awoke some time before 4:00 and walked out to the kitchen to get a drink of water. As he went toward the front of the house, he noticed the lights were on in his car, which he’d parked in the driveway. Looking out through a window, what should he see but a guy methodically going through the vehicle, stealing everything that wasn’t red-hot or nailed down and neatly stacking it all in a box.

Rather than confront the creep or try to scare him off, he called 911.

The 911 dispatcher told him that all the cops in our area were occupied, dealing with other burglaries in progress in the neighborhood! They sent a squad car that was, at the time, clear over on the east side. It took about a quarter of an hour for this crew to arrive.

While the cops were in transit, Perp strolled across the street and broke into another car, having carried all the loot from Neighbor Husband’s car around the corner to his accomplice, who was waiting in the getaway car. The neighbors watched as he looted that vehicle, too.

Eventually the police arrived. They trapped and caught the perp, but the guy in the getaway car escaped, taking with him everything his pal had taken out of Neighbor Husband’s car, including about $700 worth of stereo equipment. The officers did retrieve the piece of junk Perp had lifted from La Bethulia and La Maya’s yard.

Perp, it develops, has quite the rap sheet. He and his colleagues live next-door to each other, apparently in a colony of felons. They targeted our neighborhood last night, spreading out to raid the properties that interested them most.

Fortunately, they didn’t enter Neighbor Couple’s or La Bethulia & La Maya’s homes. But as you can imagine, the women were pretty creeped out, realizing the perp had been right outside the vast and vulnerable banks of French doors and windows that look out onto the enclosed courtyard. La Bethulia attempted to repair the lock to the courtyard door before she left for work, succeeding only in jamming the mechanism. So now that will have to be fixed, presumably by a locksmith.

What does this mean for us bystanders? Knowing that our homes are targeted now or one day will be targeted, what can we do to defend ourselves?

First and most obvious: don’t park your car on the street. Clean out the garage and park your cars inside.

If you live someplace where you have to park on the street, for heaven’s sake don’t leave any valuables in the car. And don’t equip your car with expensive electronic equipment!

If you have to park your car outside, drive a junker.

Perp didn’t touch the aging Toyota La Bethulia had left in the driveway. She bought her daughter’s car recently, when Daughter moved to Hawai’i, and she hasn’t had time to sell it. So the decrepit car was sitting right under Perp’s nose. With richer pickings nearby, Perp left the pile of junk unmolested.

Lock your doors and windows at night.

Alarm your doors and windows.

If you don’t have a burglar alarm system (they’re expensive and a nuisance…some of us do without them), you can get small, unobtrusive alarms that emit an ear-splitting squeal when their magnetic connection is broken. They’re very cheap and very easy to install—they run on small batteries and require no wiring. I bought a package of ten at Costco, and found they work on screen doors as well as regular entry doors and windows. So I’ve got one on the sliding screen for the Arcadia door and one on the security door in front. Security doors are easy to break into…but won’t Perp be surprised when he takes a crowbar to that thing!

Amazon sells them in packs of four as Mini Door & Window Contact Alarms rel=”nofollow”. I think they’re well worth the low cost. Fifteen bucks is sure cheaper than whatever a burglary might cost you.

Don’t own a lot of expensive junk.

This basic tenet of the frugalist works nicely to frustrate burglars. SDXB was visited by burglars the night he moved into his house around the corner from me. Foolishly, we remarked that he could stay at my house that night, since his house was chaos…and we made that remark in front of the moving men. Equally foolishly, he had an NRA sticker on his truck, advertising his interest in guns. That night “someone” came through the only door that didn’t have a deadbolt on it (interestingly, they didn’t try any of the other doors or windows) and went through all his boxes looking for weapons. He had stored his guns elsewhere during the move, but they took a collector’s bow and all the knives and machetes he’d collected during his military travels. The bow was the only thing that really mattered…otherwise, his possessions came from thrift stores. Poor guys—they made a wasted trip.

Don’t put an NRA sticker on your vehicle.

This is a big red flag that says “I have a gun in my house.” Thieves are attracted to guns as flies to molasses.

Lock weapons, cash, negotiable instruments, and jewelry in a safe.

Gun safes are expensive, but your investment in arms also represents a big expense. More to the point, though, no lawful gun owner wants to contemplate having his weapons used in a crime or shipped across the Mexican border to be used in that country’s drug wars.

Be sure your safe is bolted to the floor.

Insure your home and its contents.

If you do own anything of value, get a rider to cover it. While a rider does add a small amount to your homeowner’s policy, if you have to make a claim, you’ll be glad you planned ahead.

Don’t even think a dog is going to protect your property or you from a burglar or home invader.

Though I had one German shepherd that chased off a home invader, that is not what dogs normally do. If you’re not home, it’s pretty easy to make nice to the dog. If it’s a protective or mean dog, all the burglar has to do is shoot it.

In our part of the country, burglars are given to tossing poison over the fence where targeted homes have a large dog. A day or two after the dog is out of the way, they come visiting again.

Rely on locks, alarms, and common sense instead. They’re a lot more reliable, and it’s fairer to the dog.

Blissful fantasies, early-morning daydreams

Some people have enough courage to follow their bliss: we all remember when Mary of Simply Forties sold her house and all her belongings in Texas and took off for a gig as a caretaker for a gorgeous farm in Virginia. Another woman blogger is up to something similar: she chucked the day job, found ways to earn by working out of her home, and has taken off for the Ozarks, where she dreams of finding a house and building a home, never to have to plod off to the salt mines again.

If I were brave enough to do that, well… I’d want to live here:

Yesh. “Here” is a little house in Langue d’Oc, in the south of France.

It’s $202,877. Not totally unaffordable if I could get my price for my house. At 180 square meters it’s larger than what I’m living in, so there’d be a fair amount of space to furnish… What’s living with packing crates if you’re living in the south of France, anyway? If you’re interested in joining this daydream, you can convert square meters to square feet here and euros to dollars here.

Frugal Scholar has been looking in to this sort of shenanigan. She just reviewed Kathleen Peddicord’s How to Retire Overseas and has come to the conclusion that an American could live in Langue d’Oc for $1,495 a month…including $650/month for rent. That is significantly less than it’s costing me to live in my paid-off house in a place where summer temperatures regularly reach 115 and sometimes go as high as 120 degrees.

I wonder if the French will allow me to bring Cassie into their country?

About 95% of the properties under $400,000 are nothing I’d want to live in. In the four hundred grand range, there are some beauties. If I had only a half-million to drop, I guess I could force myself to live here. Blogger friends could come and rent the second house for their vacations. One might not suffer too much in this place, or here, or here. If you’d like to try to earn a living while you’re semi-retired in the south of France, for only $445,625 you could pick up a B&B. Not bad, compared to the cool million the inn owner in Flagstaff proposed when I inquired about buying his B&B.

All out of the question, of course. But…be patient, mes amies. Drop into the under-$300,000 range,  and you can live in a former winegrower’s cave, renovated into an interesting village house. Or picture this place with a little less clutter on the inside—it’s only slightly beyond in my price range

Assuming I could sell my house for what Zillow says it’s worth, this one is eminently affordable. And for the price, I could move here and have enough left to finance the move and buy furniture in France.

Or here…

Don’t you love the bathroom?

Je t’adore!

Charmante, except for the ladder-like staircase.

Wouldn’t it be loverly?

It’s fun to daydream, but you have to snap back to reality sooner or later. For one thing, there’s the matter of French taxes. Their system is even more byzantine than ours, from what I can tell. Apparently they may not double-tax your federal pension—i.e., Social Security, on which you’re already paying a hefty tax in the U.S. But they do charge a stiff tax on dividend income. So that would mean you’d pay two taxes on income from your retirement savings, one in the U.S. and one in France. Assuming your expenses really were limited to $1,495 a month, that might be all you could afford.

Medicare doesn’t pay for healthcare outside the country, and so you’d have to buy into France’s medical system…who knows how much that would cost? The French healthcare system is suffering in the global recession; among other things, some hospitals in the provinces have been shuttered, making access to an ER or a doctor even more problematic there than it is here.

For some folks, the language difference could pose a problem; I majored in French so could probably adapt quick enough. However, living in France is not the same as living in the United States; there are some major cultural differences that could require some serious psychological, social, and financial adjustment.

Starts to make the Ozarks look pretty good, eh?

Internet Shopping: When Is It Worth Paying Postage?

This morning I noticed that the little black base on the beloved Osterizer blender is cracked through.

I use this appliance every single day to whip up my favorite ice-cold breakfast drink, frozen strawberries whipped into orange juice.

{moan!} So now on top of all the other budget-busters I’ve gotta buy a new blender? Not that they’re so expensive: recently Costco had them for around $20 or $25. But after the AC repair, the new thermostat, the dog agility training fee, the pool equipment repair, and the expected astronomical power and water bills, I don’t happen to have $20 or $25 laying around.

You can buy blender parts separately. Lo, you can even find them on Amazon! Yea, verily, here’s the gadget itself. They want six bucks for it. Not bad…if asked, I’d guess it was worth about four dollars. Problem is, they want another $5.00 to ship it, for a total of $11.00!

It is eligible for free shipping, but that would require one to spend a total of $25. Setting aside the fact that I can’t afford $25 right this minute, there’s really nothing that I want that would rack up a $25 bill at Amazon. Don’t need anything. Don’t want anything.

Amazon is trying to get $44 for a new Osterizer. Ugh. I should’ve bought the $25 number when I spotted it at Costco!

So, absent a shopping trip through 110-degree heat, even $11 would be lots cheaper than ordering a new unit.

It frosts my cookies, though. How can I count the ways I resent having to spend eleven bucks for a four-dollar piece of plastic?

Well, I’ve got to buy gas anyway. While I’m out I’ll trudge through the Target and the Costco in search of a cheaper model. Even if one surfaces, though, we’re looking at spending $30 or so (by the time the 10% tax is tacked on) because a $4 part crapped out.

What think you, dear reader?

Better to pay $11 to replace an inexpensive piece of plastic?

Or…better to pony up $25 or $30 for a brand-new unit with a shiny new motor and advertised ice-crushing capacity?

Or…or…better to break out the mortar and pestle?