Archive for August, 2008

Who cuts up a credit card and leaves it in the street?

August 31st, 2008

I was at the supermarket earlier today and as I walked out I saw a credit card cut up into two pieces and discarded on the street. The first thought that ran through my mind was hopefully the person canceled the card instead of just cutting it up. The card still had the visible name, card # and security code on back. Perhaps with careful glueing the card could actually be used again?

Add to the fact this person littered! Tsk. tsk. Everyone knows to never litter things that could be traced back to you.

The Bloggers lending team on Kiva kicks off to a start.

August 29th, 2008

3 days ago I started the lending team “Bloggers” on Kiva while it was in beta mode. Lending teams opened up to the public today and 2 other bloggers have joined!

If Kiva were a casino, Sam Snyder who joined this morning, would be considered a “whale”. He has 2,500+ loans as of date on Kiva and it’s great to see someone with so much passion for this cause. He has a blog called “The Big Winner“.

Roughly 5 minutes ago Andrea Dickson joined the team. Andrea writes for a real blog… you know… one with actual readers (unlike this one :D ). She writes for Wisebread which is a blog I’m particularly fond of.

I’m pretty excited about the prospect of more and more bloggers (and their readers) who are involved in Kiva joining the team. I’ll be gone for Labor Day weekend so perhaps a few more characters will find their way onto the team.

The more the merrier, find the “Bloggers” lending team and join!

Are you a blogger that participates in Kiva?

August 27th, 2008

Kiva is experimenting with lending teams. It’s still in beta mode and here’s the gist of it from Kiva:

How do Lending Teams work?:
Members of Kiva Lending Teams continue lending as individuals, but they have the option to count each loan they make towards the overall impact of one of their teams.

I created a team called “Bloggers”. Since the whole thing is in beta you have to be invited by someone else already with access to team lending. If you want to join or get access to team lending, leave a comment to this post and type in your e-mail in the appropriate field (your e-mail will only be visible to me) and I’ll send out an invite.

You’ll get a nifty RSS badge on your lender page like mine (scroll down to teams). ;)

edit: Lending teams were made public. Click here for the link to the bloggers team. Open to anybody to join, from bloggers to people who read blogs!

Sir Charles Barkley at the DNC.

August 26th, 2008

I was flipping through the channels and CNN had day 2 of the DNC and they were interviewing former basketball star Charles Barkley. Barkley was commenting on how he use to be a Republican but he’s supporting the Democrats this year and considers himself an independent. The quote went something like this:

Barkley: “My kids said republicans are for rich people. I had to break the news to them that we are rich.”

I laughed. That is all.

Monday morning tidbits

August 25th, 2008

Flexo over at Consumerism Commentary gives me a mention in his post about Kiva. I’m glad Kiva is getting more exposure and it’ll get tons more exposure on CC than here. :D

I discovered another blog I like. It’s called Wisebread: “living large on a small budget”. Two articles I particularly like are Fake it Till You Make It: Thrift on the Sly and top 10 homemade drunk snacks.

I had a awesome weekend. Friday was a trip to the beach because summer’s almost over. Trips to the beach cost $8 admission, 1.5-2 hour drive’s worth of gas, and then overpriced food at shops along the water. All in all, it’s a cheap way to have fun for 8 hours. Saturday was errands in the city and then the 17th Annual Brewfest in Adamstown, PA. For $28 you get to experience 30+ beers and a German buffet. The place was 2.5+ hours away and I think I got up to 22 or 24 beer samplings before I called it a night. Then I woke up and had a Smorgasbord buffet for lunch and then visited the Amish. That about sums up my weekend.

I strongly believe too many people are not competent enough to vote. I won’t go into any poltics here but I guess that’s a fact of life.

Kicking the Kiva addiction

August 23rd, 2008

My involvement in Kiva.org isn’t necessarily a bad thing but I find myself spending way too much time on there looking for new loans to fund.

As of today I have loaned out a total of $20,050 (654 loans) to third world entrepeneurs. I totally blew the $10,000 goal I set earlier in the summer out of the water. I don’t think it’s healthy for someone my age to that involved in charitable loaning so I’ll scale things down a bit.

I should be spending my money on drugs, women and booze right? I kid. I do enjoy a drink every now and then but I practice moderation. The thought of taking something so far that you’d have to leave it behind forever is crazy.

Instead I plan on doing a massive renovation to my living space and throw away all the couches, coffee tables, desks and so forth. It’ll be one of those unfrugal moments in my life where I’ll be spending money on things that don’t really matter but makes me happy. Kind of like getting the overpriced stitched hats at Disneyland but it’s part of the experience and makes you happy. Getting a squishy couch to replace my broken down one to enjoy the upcoming football season is at the top of my list of furniture to replace.

I’ll still be adding more money to Kiva every month but in much smaller amounts. $400/month sounds just about right. I still believe in Kiva’s mission and will try to inspire others to participate. Funding $20k worth of loans in under 3 months isn’t happening again in the near future though.

Those Chase bastards “upgraded” my credit card.

August 22nd, 2008

Back in September of 2006 I signed up for the Chase Cash Plus Rewards Mastercard as a backup card in case Citi decided to end 5% rewards cards (which they did). The card got me 5% back on gas, supermarket, and pharmacy purchases.

Today when I logged into my chase online account I got a screen informing that Chase kindly “upgraded” my card to earn 3% in top everyday categories. I don’t know why they have to call it’s the complete fucking opposite. Seriously.

I’d appreciate it if they were honest and just sent a letter that said “listen, we’re not making any money off of you. All you do is actually use this card for gas and supermarket purchases… not to add that you pay the balance in full in month”.

The Discover Open Road Card offers 5% back on the first $100 in gas and auto maintenance purchases each month. I hardly ever spend more than $100 in gas a month so this card might be perfect for me. I don’t have a Discover card yet and gas stations are one of the few types of places that always take Discover.

God I’ve grown to hate Firefox.

August 16th, 2008

I’m writing this post from my Opera web browser. It’s fast and sleek… everything Firefox use to be for me. It seems with every update and new version Firefox became more memory intensive and slower. Fuck features. All I need is tabbed browsing. Simplicity is king.

I think one of the problems is Gmail and firefox. Whenever I leave a tab open with Gmail long enough the browser will freeze up for a couple minutes and then display a message asking if I want to stop running the script on the Gmail website. Whenever I load up Gmail in firefox the memory usage of firefox shoots up considerably. I really don’t know what the deal is.

I do have a triple monitor setup. Perhaps I should run Gmail with Opera on one monitor seperately.

Are cash discounts at gas stations worth it?

August 4th, 2008

Ac ouple days ago I went to my local Citgo gas station for a fill up and saw on the huge sign they were selling gas for $3.62 a gallon and next to the price was a sign indicating it was a “cash only price”. I had to drive up to the pump to find out the credit price was 10 cents more expensive per gallon at $3.72. I opted to use my credit card to pay for my fill up.

10 cents off $3.72 is a 2.7% discount. If your credit card gives you a higher percentage off it’s obvious to go with the credit card. I’m assuming the gas station basically giving you the discount on what they pay for taking credit cards. I didn’t take too long to decide to pay with credit as 5% of $3 is already 15 cents.

Another annoying factor when I use to pay with cash and got a fill up is the gas station attendent always pumped enough to round up to the next dollar which is basically wasted money and gas. This was back when gas was less than $2 so pumping a extra 50 cents was over a quarter of a gallon. I could smell the wasted gas if I kept the window rolled down while driving off. FYI it’s illegal to pump your own gas in New Jersey because of outdated laws from when gasoline use to be dangerous to handle. It’s mighty convenient when the temperature outside is 10 degrees.