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Gone Camping…

August 27th, 2010 Little House 5 comments

You might have noticed my header states I’ve “Gone Fishing.” I just couldn’t find a “Gone Camping” sign in time to replace it, so for now it will have to do. But YES, I’ve gone camping and will be back in time for another Tuesday Tip! In the meantime, feel free to snoop around for articles that whet your appetite. OR, take a peek below at some camping tips (mishaps from my more naive days):

  1. Love da ‘coons! – Want great critter photos? Just leave delicious chocolate Power Bars on the picnic table right out side your tent. I never knew raccoons loved Power Bars, too.
  2. There’s nothing better than a campfire, minus the smoke. – Making a long-burning campfire takes experience and finesse. There’s nothing better than getting the logs all sorted, then watching them smolder in their own smoke.
  3. Day 3 – forgo that makeup and forget about brushing thy hair – Day 1: arrive clean and well kept; Day 2: brush hair, throw it up in a pony-tail, put on a little make-up and deodorant; Day 3: the grime has set in. Forget about the hair or makeup, just putting in the contact lenses is good enough! Oh wait. We’re going into town?! Crap.

Some Yakezie reads for your pleasure:

See you soon. A wee-ma-whack, a-wee-ma-whack, a-wee-ma-whack, a-wee-ma-whack….

Categories: personal finance Tags: ,

Run Down Towns: A Tale of Two Cities

August 22nd, 2010 Little House 9 comments

Town A: Deodar Oaks on White Oak. Remember the scene in ET when they fly over trees on their bikes? This is the street.

Town A: Deodar cedars on White Oak. Remember the scene in ET when they fly over trees on their bikes? This is the street.

The Deodar cedars line the sleepy street of White Oak to the north of where I live. The trees tower many feet over the well-manicured homes, set back far from the street. The wide avenue, built to handle plenty of cars, sees but only a few with one single stop sign at the end of the block. A couple walks their small, white toy poodle down a quiet residential sidewalk covered in a blanket of pine needles.

Five miles south on the same block renowned for its cedar trees (yet are predominately lacking), I look out my window and see a beater van parked indefinitely outside of my home. A group of five men from the nearby wayside house, quietly disguised behind a large, black fence, saunter down the sidewalk. The alley where I enter and exit from my garage is riddled with graffiti of the unattractive kind.

Though only five miles apart, the scenes from my current neighborhood and the one I grew up in are worlds apart. The “Valley”, once known as a rustic get-away for the celebrities of yester-year, has grown into a hodge-podge of seedy neighborhoods intermixed with a “good” pocket every now and again. The valley is perplexing; a large, flat sprawling suburb built on a seemingly-endless grid system bordered with rolling hills and mountains. Without the obvious barriers, the cities merge into one another with barely a marker to distinguish you’ve entered into a new zip code.

But why is one town so well taken care of, while another just a few miles away without any geographic barriers, has become a dumping ground for litter, graffiti and over-grown lawns?

Due to the lack of physical barriers, cities seem to define themselves through subtle cosemetic differences: graffiti and litter,or statues, pergolas, and renovated shopping centers built to attract consumers willing to spend. Since I’m not a city counsel member, I can only assume a city’s budget and income are dependent on property tax, and the concept that the community will continue to generate income within its own city.

A few things I’ve noticed that may be directly related to the differences between these two towns (I’ll call them town A and town B) are:

Town A:

  • A small, well-maintained business center reminiscent of the 1950’s. Though many stores have closed due to the recession, the landlords haven’t allowed strip clubs or Triple-X stores to open in their place. The town recently built a statue and seating area at the beginning of the 4-block district under a giant Deodar Oak to show their dedication to their small, yet clean business area. One can tell the residents pride themselves on these four blocks – very rarely do you see graffiti.
  • Well maintained lawns. During the real estate boom, this area increased in price by a near 4-fold. Even though this area has been hit hard by the drop in prices, there aren’t very many homes for sale or overgrown lawns. Either people have lived in these homes a long time, or the people able to afford these homes are doing okay financially. I assume this area is financially stable.
  • Renovated shopping center. Over the past few years, the city took a very old, vacant shopping center and completely renovated it making it the center shopping district complete with grocery store, home store, and plenty of fast-food restaurants. (The high school kids love it.)
  • A renowned high school. It’s funny, I graduated from this very same high school many, many years ago. However, it has since turned into a well-respected charter school that is the envy of all who can’t get their kids into it.
  • Movies filmed: E.T. was filmed all over Town A from the trees you see in the photo above to the homes being built in the surrounding hills in the late 1970’s early 1980’s. Fast Times at Ridgemont High car scenes were filmed in Town A’s business district.

Town B:

  • A run-down business district. Back in the 1950’s, the area near my house was one of the first bustling business districts of the valley. Unfortunately, time has not been very good to this center. Riddled with graffiti, burned out buildings, and corner payday loan offices, the business district lacks a cohesive purpose.
  • Over-grown lawns and vacant homes. During the bubble, prices in my area peaked over $500,000. I feel terrible for the people who purchased homes at these prices considering the area really isn’t deserving of those prices. I’m beginning to think they feel bad for themselves as well, as many have walked away from their homes.
  • Corner Mini-Marts. Sprinkled at almost every busy intersection is a mini-mart. Great for a quick soda. Not so good for a community. How many liquor stores does one city need?
  • Low-income apartment buildings for blocks on end. People from every economic level need a place to live. Unfortunately landlords often associate low income with low maintenance; uncared for properties quickly become the target for graffiti, broken windows, and littered lawns only further depressing an already depressed area.
  • Movies Filmed: Boogie Nights was filmed on a busy street in Town B. The television show My Name is Earl was filmed extensively around my neighborhood as well. (Note the glaring difference?!)

What are the solutions for town B? Obviously, the economy picking up steam would help; fewer people leaving the area would fill the vacant homes. Home owners tending to their lawns and cleaning up the graffiti would also be a positive movement. I’ve found that if graffiti is painted over immediately in an area, the tagger usually moves on to another area that doesn’t seem to care as much.

Perhaps I need to make it a point of walking up and down my alley painting over graffiti-covered walls. Maybe I need to begin picking up litter within a 1-mile block range; my initiative alone could cause a much larger change by encouraging my neighbors to do the same. This may be my Labor Day Weekend goal.

What changes have you seen in your town? What is the solution? Is there anything you could do to help?

Yakezie.com Launch

August 16th, 2010 Little House 7 comments

Yakezie.com Launch Today!

Yakezie.com Launch Today!

Today is the launch of Yakezie.com! The Yakezie group has really aided the growth of Little House in the Valley and I’m excited to be a part of its continued endeavors.

The Yakezie is a group of personal finance bloggers dedicated to supporting each others growth through selfless promotion. Our group has grown to over 100 personal finance blogs; many dedicated to sharing our collective knowledge of responsible personal finance with our readers. Below is a sampling of articles from our members this past week:

  • Len Penzo with his weekly Black Coffee round-up: Always wacky, off-beat, but so on target.
  • Ultimate Money Blog with Overdraft Fees – Opt In or Opt Out. I personally think this is just another way for banks to continue making money off of people who can’t manage their finances. If you don’t do anything, you’ll automatically be opted-out, which in my humble opinion is the better option.
  • The Saved Quarter with Frugal Choices in Kids’ Backpacks. I just took advantage of the Staples gift card option a few weeks ago; I purchased a $40 backpack and will be receiving the equivalent in a gift card. So the backpack was basically free (sort of.)
  • Budgeting in the Fun Stuff with Putting the National Debt into Perspective. I like Crystal’s take on how she is managing her own money wisely and not worrying too much about how that trillion dollars could be spent.
  • Invest it Wisely with Punished by Askimet: Am I a Spammer? What do I do?: Poor Kevin, I have to continually fish him out of my spam box whenever he posts a comment. I’m not really sure why he ends up there, but luckily I always check my Askimet box and fish out the legitimate comments. He has a couple of plug-ins that could offer potential solutions for those poor souls who end up marked as “spam”, but that means other blogs need to install them.

Penalty Flag for Punctuality

August 15th, 2010 Little House 28 comments

Why are others always late!?

Why are others always late!?

I have this awful habit of being on time, all the time. Even when I think I’m running late, I end up at my destination ON TIME. Yet, the person I’m meeting is usually NEVER on time. I rush to my destination, whether it’s the library for a tutoring session or Starbucks to meet a girlfriend for coffee, and I get there right on time (or even a few minutes early). Then, I wait….and I wait. For some reason unknown to me, no one can be where they say they’re going to be on time. Many minutes of my day are wasted waiting. Now I’m not one to really waste time; I might whip out my phone and quickly glance at the news headlines, or I might outline the next article I’m going to write in my head. Yet, as the saying goes, time is money. Lately, I’ve been realizing I’m missing out on making money by having to wait a good 10-15 minutes (this especially applies to my tutoring sessions!)


An obvious solution to this problem would be to become one with the ever-tardy masses. However, I just can’t bring myself to be late. The moment I feel that I’m running the slightest bit late, I begin to panic and hurry, even if I know the other person will be tardy and I’ll be left again waiting on them. There also seems to be a variation in how tardy a person is;

  • There’s the few minutes late person (this person I can usually quickly forgive)
  • The 10-15 minutes late person (these people really irk me!)
  • And then there’s the half-hour late people which I have to call and make sure we’re still meeting (these people are just plain rude!)

Perhaps an alternate solution would be to give the known tardy person a separate time to meet, say a 15-minute head start. That way if they are running late (which is a normal habit for them), they won’t know it because I’ll meet them at a time 15-minutes later than agreed. But then is that just me running late?

There may be no perfect solution for the ever tardy folks who just can’t get their acts together. I may have more say with my tutoring clients, by charging them for those additional minutes. People all of a sudden can make it on time as soon as money is involved. But how do I charge a friend who’s running late? Perhaps I’ll forever be a punctual person who must wait…and wait.

Are you part of the tardy masses? Or are you one of the punctual people who is forever irritated with the tardy folks?

Now, some shout-out’s to those who have been driving traffic to my site this week (Thank you, thank you!):

Sometimes Free Can Cost You More

August 12th, 2010 Little House 11 comments

Persnickety Sam

Persnickety Sam

How can a free bag of high-end cat food equate to a $400 bill and a dousing in fecal matter? Let me explain…

Ten days ago, I received a complimentary coupon for a free bag of one of a few brands of high end cat food. Being such a lover of coupons, and wanting to alter my cats’ diets to a fish based from a poultry based food, I visited a local feed store and received an $18 bag of food for FREE. I was so proud of myself for having used a coupon for such an expensive item. All three of my cats seemed to enjoy the new kibble; especially my highly sensitive cat who barfs at the drop of a hat. With the barfing seemingly minimized throughout the trial run, I thought that I had found a good alternative to a lower cost food.

Of course sometimes things that seem to good to be true, turn out to be just that. My highly sensitive cat apparently wasn’t able to digest the new kibble. A trip to the vet showed he wasn’t able to pass it through his system. A few enemas later and roughly a $400 visit to the vet, I ended up in the bathroom with him; both of us covered in his feces. “Just LOVELY!” I thought. All because of a free offer of cat food.

Now, of course, I’m not a vet. Maybe I should have slowly introduced the new food, especially since two of my cats are in their elderly years. Perhaps the problem was with the way I changed out the food and not the free bag of food itself. But then again, I would have been stuck trying to hunt down coupons to help pay for  more expensive pet food from here on out.  So at this point maybe it’s best that I’m going back to my less expensive food (unfortunately at the expensive of my poor Sam’s digestive system!) Now that I’ve resolved the food issue, hopefully I won’t be visiting the vet again any time soon.

Have you had experiences where FREE really wasn’t free?