Ever since I created my Bliss Box Quiz, my head has been a-buzz with quiz-show type questions. Maybe it’s a niche I’ll have to develop into it’s own page at some point. But what does this have to do with personal finance or buying a house? Well, determining if one is a homebody or wanderlust could affect their personal finances. For example, a homebody may be more prone to want to purchase a house closer to home, no matter what the price or real estate market looks like. Where as a wanderlust could spend their entire fortune trekking across the globe searching for their elusive El Dorado. So, I’ve decided to pose a few questions for determining if one if a homebody or wanderlust, or someone who falls in between. I’ve included a description of what the answers could mean financially at the end of the quiz:

1. You’ve been invited to your cousin’s last minute wedding in Aruba. You have a nice emergency fund set aside, so you:
A. Aruba? You don’t know anyone in Aruba. You’ll pass.
B. Decide to search for the best travel deals, and if there is one within what you’re willing to pay, book the trip. If not, you’ll send a nice gift.
C. Immediately begin to pack.

2. You’ve just been offered a promotion at work that includes having to travel a couple of times a week, you:
A. Decline the promotion. Explain that you’re claustrophobic and just don’t travel very well. You’re more than happy in your current position.
B. Negotiate a deal where you not only get a 2% adjustment on the raise they’ve already offered you, but a Platinum Business AMEX so you can rack up travel points for yourself. Might as well take advantage of the company paying for your travel.
C. It’s your dream job! You jump up, kiss your boss, and begin planning side excursions to all the exciting cities you’ll be visiting, even if that includes Milwaukee.

3. You’re spouse has been offered a job in another state. The job has amazing benefits and the salary is “to die for”, you:
A. Discourage your spouse from taking the job. The thought of moving makes you nauseous. Besides, you’re geographically challenged and really aren’t sure where Raleigh is anyway.
B. Have a lengthy discussion with your spouse and weigh the pros and cons of moving and relocating. After discussing it together, you make a financially sound decision.
C. Whoo, hoo! You’ve been dying to live on the east coast for years. You’re goal is to live in every corner of the US before retirement.

4. You’ve been hoping to purchase a home in the near future, however the area you live in is extremely expensive, you:
A. Keep plugging along, eventually you’ll have enough for the down payment. Even if that means you’ll be 80 years old.
B. Make a back-up plan; living in an expensive area is financial-sabotage. You’ll give it X amount of years, then you’re off to a less expensive locale.
C. Immediately plot your escape. There are hundreds of US cities just waiting for you to arrive.

5. Your best friend from college was lucky enough to win an all expense paid vacation to Europe for two weeks. They invited you along since their spouse can’t go, you:
A. Decline; your suitcase is collecting dust in the attic and it’s just too much of a last minute, spur of the moment trip.
B. You call work and make sure you can escape for those two weeks, promising you’ll check in every other day. You also have enough extra cash set aside for spending money, so finances aren’t a problem.
C. Hop on the next plane and meet your friend in Europe, even if it means charging the extra expenses on a credit card, You’re definitely going!

Obviously, there’s a range on whether one defines themselves as a Homebody, a Wanderlust, or somewhere in the middle. So, to make scoring easy, the following applies:

Answers: A = 1, B = 2, C = 3 (If you range somewhere in the middle section, then you’re just a level-headed person!)

Homebody vs. Wanderlust

Now for some link love:

• Digging Out of Our Mess also celebrated her one-year blog anniversary. Happy Anniversary, Mysti!
• Everyday Tips and Thoughts with Retiring Before the Age of 40? How Realistic is That? I really love the tone of Kris’ blog. I think that’s because we are really close in age and may have a similar outlook on life. (Maybe I’m presuming too much, but I still like reading her posts!)
• Young and Thrifty with Ode to Promo Codes. She did a terrific job on her rhyming poem.
• Rainy Day Saver with Make Money Freelancing – Through Networking. She lists some terrific ideas to add to what you may already know about how to obtain freelance work.
• Financial Samurai with his ever spicy posts, Is It Better to Rent to Males or Females? Just be sure to have that 18-months of rent saved up!
• Car Insurance Comparison with Auto Insurance Reform, a humorous letter to a local congressmen. Very tongue-in-cheek, but funny.

Go Banking Rates

I have a guest post over at GoBankingRates.com about AMEX Travel Companion Ticket. The article describes how to obtain a companion ticket and if it’s worth the bother. If you’re interested, check it out!

Finding low cost options for traveling to a funeral.

Man, if you look at my last post and this one, you’re surely thinking I’m obsessed with death. Not so, I say. However, death is a certainty no one can escape. And with death, comes funeral services. And with funeral services, comes family members scrambling to make it to the burial service. With last minute travel arrangements underway, getting the best deal is imperative. This past week my husband’s grandfather passed away, it was his last remaining grandparent. (My last remaining grandparent died over 10 years ago and I attended his funeral.) He made the decision that he would travel to Nebraska for the services, and because it was financially too expensive for me to accompany him with missing work plus the additional cost of a flight, we decided I would stay home. I honestly only met his grandfather once 11 years ago, so I was okay with this arrangement. I’m sure you are now realizing why I’ve been focusing on death this week!

Since death is imminent, yet elusive, meaning you can’t pinpoint the exact date of death, booking travel arrangements last minute can become costly. I’m the financial accountant around here, so I’m usually the one in charge of searching for the most economical airfare. We had less than 4 days from the time of notice to the day of the funeral to book the flight. I immediately began searching multiple travel websites. Travelocity.com is always the first website I scope out since they were one of the first online travel sites, but one I’ve recently started using that searches multiple sites at once is Kayak.com. Not only does Kayak search their own database for the lowest fares, it gives you the option of searching an additional 5 sites (this helps me remember all of my options): Priceline, Hotwire, Travelocity, Expedia, and Airfare.com. Smaller browser windows pop up on your desktop so that you can literally compare their rates side by side. This is by far their best advantage compared to other online travel sites.

After glancing at all of the different sites plus the flights on Kayak, I found the best price and shortest flight time (very important since my husband hates traveling!) on Priceline.com. For under $600 we were able to book a round trip flight that would allow my husband to arrive the day before the funeral. Unfortunately, he had to say an additional day longer than he would have liked or pay twice the price for the flight. Funny how returning on a Saturday is half as much as returning on a Friday. Some tips if you’re ever in need of last minute flight arrangements:

• Search multiple sites, or use Kayak to do this for you, for the best price.
• Be a little flexible if you can. For instance, my husband made the choice to stay one day longer even though he really wanted to return a day earlier. Luckily he was staying with relatives, so the cost of a hotel didn’t have to be factored in here.
• If you know you have to book a flight for a funeral, do it as soon as you know the date of the funeral, don’t wait! My mother-in-law waited one additional day to book her flight and it cost her quite a bit more money.

Death is an uncomfortable topic for some, but it is an event that happens once in everyone’s life. Being able to attend a funeral of a loved one gives people closure, and being able to do that without going into debt relieves some of that stress.

On a side note, I didn’t contact the airlines directly and ask for a bereavement fare because in my experience, the online rates are usually less expensive.

Have you had to make last minute flight arrangements due to a death or emergency? What did you do to minimize the flight cost? Have you used Kayak for booking your travel needs?

Last month I drove from California to Arizona on the not-so-lovely, desolate 10 highway. As my husband and I stopped at truck stops to fill up or grab a snack, we noticed a strange phenomenon. Something we’d really never seen before in all our years of driving to and from Arizona, and it bothered me: young, homeless people. And when I mean young, I’m talking barely 20.

Our first young and homeless (or urban nomad) sighting was near Palm Springs right off a highway exit; a very young, beautiful woman with dirty blond dreads holding a “Hungry, need help” sign. She looked about 20 years old. My first reaction was that she was a run-away.  Young, homeless people aren’t that uncommon in a place like Venice, CA which is not that far from where I live. Yet seeing one so far east off the 10 freeway through me off guard. Unfortunately, we didn’t stop to help. I felt horrible about that once we were back on the highway.

As we continued our journey eastward, crossing the Arizona State Border, I noticed a young man walking in the middle of absolutely no where. He was on the other side of a barbed wire fence in the middle of the Sonoran Desert, a large duffel bag slung over his shoulder walking as if he was on a mission. As he was walking in the opposite direction that I was driving, I thought his presence was peculiar to say the least. We were at least 20 to 30 miles from a town or a truck stop. This downward gazing, beanie wearing young man obviously wasn’t hitch-hiking since he wasn’t close enough to the road. The man’s presence in the middle of sparse desert was eerie in some ways. I can’t say for sure he was homeless, he wasn’t begging or trying to hitch a ride. He also didn’t hold a sign that stated his situation. His duffel bag was really my only clue to his possible predicament. But the fact that this was the second young person within a few hundred miles who seemed alone left me thinking about the state of our economy and how tough it must be for young people these days.

Again, I didn’t stop to help. I was zooming down the highway at 75 MPH (this speed is legal in Arizona on sections of the 10, I swear). These images keep popping up in my mind over and over again. Reading articles in Time Magazine and MSN.com about how difficult it is for teenagers and young people to get a “first” job these days only confirms that there are more young, homeless people today than in the past. Not because of mental illness or drugs, but because our economy is shrinking. There are so many skilled, experienced workers to choose from, young, inexperienced job seekers must be having a heck of a time convincing a manager to hire them.

What will this eventually do to this generation of young people? Will they be late bloomers in some ways because they nabbed their first job in their mid- to late-20’s instead of getting an early start in their teens or early 20’s? Will they forever be behind the 8-ball and financially doomed? Will these two young, urban nomads eventually find jobs, reconnect with their families, get help? These questions continue to haunt me.

On a similar – yet different – note, I found an intelligently written blog about a woman raising four kids in an RV. She is currently unemployed and struggling to make ends meat. However, her blog is witty, inspiring, and coming from a totally different perspective. Check out The Box Car Kids.

This is a guest post from Ryan at Planting Dollars.com, a personal finance blog. Ryan is a recent college graduate living in Hawaii and pursuing his dream to become financially free.

1. There is an image of a shark on your “8 Random Things About Me” post. Since you are really into underwater diving and photography, did you take all the photos of sharks on your blog? Have you thought about getting involved with Discovery Channel’s Shark Week?

That is an image of a Tiger shark, which I have yet to dive with . Unfortunately I haven’t taken all the pictures on my site. As a recent college grad I’m still too poor to afford the right equipment to take it to a professional level. This is another reason why I live frugal and is something I’m saving up for. I would absolutely love to rub shoulders with professional shark photographers and make it on shark week, but that is several years out and requires considerable amount of funding.

2. How are you supporting yourself in Hawaii?

Before I moved to Hawaii I saved up about 10k from bartending and living below my means back in Wisconsin. This allowed me, and still does to live in Hawaii until I get on my feet here. After about 3 weeks of being here I picked up a job as a project manager with an underwater camera company, but recently quit because there wasn’t much cohesion or purpose to the organization. I value working with a purpose and feeling like you’ve made a change in the world more than gaining a hefty paycheck to buy a sports car. At the moment I’m developing my blog, a travel niche website, working on a book project, and am hunting for a bartending job. It helps that I live on only 1000 a month and ride my bike everywhere. Honestly, it’s kind of fun to live below your means because I see it as a challenge and life experiment. Anything can be fun, it’s all about perspective.

3. Where would you like to travel to next?

I would love to go to Baja Mexico to see the gathering of hammerhead sharks or Thailand to dive with whale sharks.

4. You mention that you have student loans to pay off. How are you tackling those payments, or do you have a plan to pay them off?

I lucked out and have parents that are fairly well off, but at the same point that meant I didn’t get any FAFSA help at all. My parents agreed to pay half my college expenses and I pay the other half. Before I took a semester in Australia my junior year of college I was able to pay down $15,000 a year in expenses by working up to 3 jobs in the summer. However, after Australia and my senior year I racked up about $37k in debt. I paid down about $7500 since I graduated in May of 2008 and any extra money I have goes to paying them. I would like to be debt free within the next two years and don’t like owing them money at all. For a while I was paying down $500 a month, but have stopped until I get a steady stream of income established here in Hawaii.

5. Where do you see yourself when you’re 30? Do you still want to open that piano bar?

I think if you’re willing to try new things you’ll change so much that it’s hard to tell where exactly you’ll be. I like new challenges but at the rate of change I’ve been experiencing in my life I’m not sure who I’ll be at 30. That’s 7 years from now and 7 years ago I was 16 just getting my drivers license. All I hope is that by the time I’m 30 I have a successful online presence with a full time income stream, am working towards things I’m passionate about such as ocean conservation, and am able to help change the lives of others for the better. But yes, I would still at some point in my life like to perform piano consistently and open a piano bar, if you come drinks are on me!

6. What or who encouraged you to begin blogging?

After college I realized the only way I could see the world and work at the same time would be by doing web development. So in winter of 2008 I purchased a subscription to Site Build It and began teaching myself web development from the ground up. It’s been a great experience and I eventually learned that you could write about anything you wanted while making money, just so long as you help people. I love talking about personal finance, personal development, and real estate so I just started writing. Now that I’ve started blogging I absolutely love meeting new bloggers, helping others, and the process of building a business with “online equity.”

7. You mention wanting to prepare kids to be financially savvy. What kinds of programs do you think school children need to manage their finances later in life?

I think kids need to be inspired more than anything. They can fulfill their dreams and they can make change in the world. A lot of people (and kids) see money as boring, but money is simply the tool you can use to fulfill your purpose and dreams. When parents teach kids that money is something you use to go shopping and buy a big house with, then that’s what the kid will associate with money. However, if you teach a kid that money can help them change the world and reach their goals, it’s a whole paradigm shift. Get a kid excited about his dreams and show him it is possible using the principles of personal finance.

8. As a financially savvy 23-year-old, do you think you are an exception to young people today in the way you approach finances and life in general?

Yes, most of my friends call me crazy and most adults I talk to think I’m not normal for my age. Who likes being normal anyways? Like I mentioned in my previous answer I’m only motivated to achieve my dreams in life so in order to do that I have to learn about money management. From that angle I think most 20 somethings don’t know what their dreams are or don’t have the confidence to pursue them. It’s hard and being different than most everyone your own age can get lonely. Most 20 somethings are either in grad school or hanging out at the bars. Having the ability to say no to those things when you’re at an age where you still desire acceptance the most, requires a deep rooted purpose.

9. Your parent’s have built a successful real estate business. Has there been any talk of you taking over their business or following their footsteps?

There used to be more so and more than likely one day we’ll have that discussion, but probably not for another 10-20 years. The most valuable things they gave me were the education that comes with seeing how the business is run, how to evaluate real estate, and making me work for a buck. I’m grateful that they started making me work at an early age to pay my own way because otherwise I would’ve probably turned into a spoiled brat. I don’t really expect to be handed a business and would much rather prefer the satisfaction of making my own way.

10. How can people help with shark conservation?

They can start by changing their perceptions about how they view sharks. Sharks have a horrible reputation thanks to the media and the ever popular movie Jaws. In an average year only 5 people die of shark attacks. To put that in perspective 100 people die of elephant caused deaths. More people die because of soda pop vending machines than shark attacks!

If you’re visiting China, please do not each Shark Fin Soup. Each year over 90,000,000 sharks are killed by finning which is where sharks are caught, their fins are cut off and they’re thrown back in the water while still alive. By eating shark fin soup you’re creating more demand for these types of unsustainable operations.

If you’re honestly interested in making the world a better place realize that killing sharks is killing the whole ocean ecosystem. Yes, that includes Nemo and the ever popular sea turtles. Awareness is the greatest tool so next time you hear someone talk about how bad sharks are, take the time to correct them.

Be sure to check out Planting Dollars for my reciprocal Q & A as well on February 23rd. Thanks again Ryan!