Outstanding Items: My New Car (sort of), 401(K), and My New Headphones

Dude, I Totaled My Car (Update 3):

I have been living the past 5 and a half weeks without a vehicle.  I have updated the status of my search for its replacement once, shortly after my initial post about my accident and my carless situation.  At this point I have foolishly put all my eggs into two vastly different baskets, and I am waiting until the end of August to see which one hatches the most chicks.

  • Basket One: A friend of mine is selling her 99 Nissan Pathfinder.  It has 106,000 miles on it which is mostly highway miles.  She is the original owner and has driven it for every one of those miles.  The car is priced reasonably, however the initial cost of the vehicle is about the same figure the insurance company gave me for my total loss.  After registration, tags, etc.  I will have likely lost a little bit of money on the deal.  However, I feel I will be able to sleep at night driving a car that I know has been taken care of instead of some car that I bought randomly off of Craigslist (that piece of mind may be worth an extra thousand dollars to some; it could be priceless to others)  Furthermore, she has made me agree that if I buy her car, I have to pet it before driving it on road trips (what is that about?!?).  Deeper Analysis: Buying a car from a friend is risky, but it has some rewards.  I am not thrilled about the price tag, but at the price I am looking to spend I am not thrilled with a lot of the cars.  I may have to up the amount I am willing to pay for my next ride.  Also, the MPG on a Pathfinder is a concern, then again, with as often as I drive, is it worth stressing over an extra $100 a year in gas when I haven’t really slept the past month because I have been carless?  This is my best option and if it still presents itself in late August when I get back from vacation, I will write her a check.

99 Pathfinder vs. 09 Civic

  • Basket Two: Go to a dealer in late August and say, “How much are you giving car’s away for today?”  Now really is the best time to buy a new car.  In a month from now, when 2010 models start to show up on lots, the timing will be even better.  The price I wanted to spend on a new car was $14,000.  It is a possibility (albeit not a fantastic one) that I can go into a car dealership and walk out with a brand new Honda Civic LX for $14,500 with 0% financing for 3-5 years.  If that is the case I can afford to put $7000, finance $7500 and have a car that I know will last me 15 years.  Deeper Analysis: This is my last resort, but if the numbers work in a way I think they could, I have no reason not to consider this option as it represents the difference between value and cost.

I Gave Myself a 10% Raise This Week:

I started to contributed to my 401(K) this pay period.  I have mentioned it before, but the reason I hadn’t been contributing prior was because I my employer didn’t match until you’ve been employed there for six months.  This is the first pay cycle that fell after that six months, hence today is my first payday where I have my 401(K) contributions withheld.  You may ask, how did I give myself a 10 percent raise? Well this is it:

Employer match ($0.50 on the dollar with no limit) x Personal contribution of 20% of salary = 10% raise from employer

That’s right, 20% of my salary is being dumped into my 401(K) a month.  All of those part time jobs are starting to seem worthwhile now, huh?  Should I mention that this is just one more reason I am going to be a millionaire some day?

My Six Month Disposable Headphones:

Hopefully I have found a new pair of headphones that will last me a while.  I purchased the Zagg Z-buds.  I was very close to purchasing them through their online store for $80 + S&H.  I even started to shop for a coupon code.  Then I quickly scanned e-bay and saw the same pair I wanted, with iPhone compatibility for $46.50 Buy It Now with free shipping. I was about to click the “Buy” button when I saw the “Make an Offer” tab on the eBay page.  I needed to get that order placed that day, but I said I may as well try.  Instead of typing in something ridiculous like $25 or something, I typed in the reasonable price of $40 (a $6.50 discount).  A half second later, my offer was accepted, making me feel like I should have offered a lot less, because they always could have said no and I could have paid the higher price, but, they also could have said yes and saved me more money.

I really like the new earbuds.  They sound great, look durable, even have a funky bud piece that looks like, well, I don’t know how to describe it, but look to the right and you will see a picture.  They are very comfortable and because of how they are designed to be worn, you don’t the occasional pull on the front of your earphone chord that will pluck your buds from your ears.  So far, I would recommend these to anyone, however, we will see in six months if I am back in the market for another pair. Time will tell the story on Zagg’s Z-buds.

23 Responses to Outstanding Items: My New Car (sort of), 401(K), and My New Headphones
  1. Wireless Headphones UK
    April 26, 2011 | 2:28 am

    Nice post, I prefer wireless headphones myself.

  2. web site
    July 6, 2013 | 9:01 am

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    June 4, 2016 | 11:25 pm

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  13. migliori essiccatori
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    January 2, 2017 | 10:20 pm

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Leave a Reply


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Trackback URL http://mynextbuck.com/outstanding-items-my-new-car-sort-of-401k-and-my-new-headphones/trackback/

Outstanding Items: My New Car (sort of), 401(K), and My New Headphones

Dude, I Totaled My Car (Update 3):

I have been living the past 5 and a half weeks without a vehicle.  I have updated the status of my search for its replacement once, shortly after my initial post about my accident and my carless situation.  At this point I have foolishly put all my eggs into two vastly different baskets, and I am waiting until the end of August to see which one hatches the most chicks.

  • Basket One: A friend of mine is selling her 99 Nissan Pathfinder.  It has 106,000 miles on it which is mostly highway miles.  She is the original owner and has driven it for every one of those miles.  The car is priced reasonably, however the initial cost of the vehicle is about the same figure the insurance company gave me for my total loss.  After registration, tags, etc.  I will have likely lost a little bit of money on the deal.  However, I feel I will be able to sleep at night driving a car that I know has been taken care of instead of some car that I bought randomly off of Craigslist (that piece of mind may be worth an extra thousand dollars to some; it could be priceless to others)  Furthermore, she has made me agree that if I buy her car, I have to pet it before driving it on road trips (what is that about?!?).  Deeper Analysis: Buying a car from a friend is risky, but it has some rewards.  I am not thrilled about the price tag, but at the price I am looking to spend I am not thrilled with a lot of the cars.  I may have to up the amount I am willing to pay for my next ride.  Also, the MPG on a Pathfinder is a concern, then again, with as often as I drive, is it worth stressing over an extra $100 a year in gas when I haven’t really slept the past month because I have been carless?  This is my best option and if it still presents itself in late August when I get back from vacation, I will write her a check.

99 Pathfinder vs. 09 Civic

  • Basket Two: Go to a dealer in late August and say, “How much are you giving car’s away for today?”  Now really is the best time to buy a new car.  In a month from now, when 2010 models start to show up on lots, the timing will be even better.  The price I wanted to spend on a new car was $14,000.  It is a possibility (albeit not a fantastic one) that I can go into a car dealership and walk out with a brand new Honda Civic LX for $14,500 with 0% financing for 3-5 years.  If that is the case I can afford to put $7000, finance $7500 and have a car that I know will last me 15 years.  Deeper Analysis: This is my last resort, but if the numbers work in a way I think they could, I have no reason not to consider this option as it represents the difference between value and cost.

I Gave Myself a 10% Raise This Week:

I started to contributed to my 401(K) this pay period.  I have mentioned it before, but the reason I hadn’t been contributing prior was because I my employer didn’t match until you’ve been employed there for six months.  This is the first pay cycle that fell after that six months, hence today is my first payday where I have my 401(K) contributions withheld.  You may ask, how did I give myself a 10 percent raise? Well this is it:

Employer match ($0.50 on the dollar with no limit) x Personal contribution of 20% of salary = 10% raise from employer

That’s right, 20% of my salary is being dumped into my 401(K) a month.  All of those part time jobs are starting to seem worthwhile now, huh?  Should I mention that this is just one more reason I am going to be a millionaire some day?

My Six Month Disposable Headphones:

Hopefully I have found a new pair of headphones that will last me a while.  I purchased the Zagg Z-buds.  I was very close to purchasing them through their online store for $80 + S&H.  I even started to shop for a coupon code.  Then I quickly scanned e-bay and saw the same pair I wanted, with iPhone compatibility for $46.50 Buy It Now with free shipping. I was about to click the “Buy” button when I saw the “Make an Offer” tab on the eBay page.  I needed to get that order placed that day, but I said I may as well try.  Instead of typing in something ridiculous like $25 or something, I typed in the reasonable price of $40 (a $6.50 discount).  A half second later, my offer was accepted, making me feel like I should have offered a lot less, because they always could have said no and I could have paid the higher price, but, they also could have said yes and saved me more money.

I really like the new earbuds.  They sound great, look durable, even have a funky bud piece that looks like, well, I don’t know how to describe it, but look to the right and you will see a picture.  They are very comfortable and because of how they are designed to be worn, you don’t the occasional pull on the front of your earphone chord that will pluck your buds from your ears.  So far, I would recommend these to anyone, however, we will see in six months if I am back in the market for another pair. Time will tell the story on Zagg’s Z-buds.

23 Responses to Outstanding Items: My New Car (sort of), 401(K), and My New Headphones
  1. Wireless Headphones UK
    April 26, 2011 | 2:28 am

    Nice post, I prefer wireless headphones myself.

  2. web site
    July 6, 2013 | 9:01 am

    Tremendous things here. I’m very glad to look your post. Thank you a lot and I am having a look forward to contact you. Will you please drop me a e-mail?

  3. gold metal detector
    October 28, 2013 | 2:39 am

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  4. stampante laser
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  5. envasadora al vacio
    June 4, 2016 | 11:25 pm

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    to create a great article… but what can I say… I put things off a whole lot and never manage to get
    anything done.

  6. ferro da stiro
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  7. http://arenasexpress.com
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    posts

  8. futurosky.net
    August 4, 2016 | 4:21 pm

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    Very useful information specially the ultimate part :
    ) I handle such information much. I used to be seeking this particular information for a long
    time. Thank you and best of luck.

  9. nettoyeur vapeur
    December 2, 2016 | 1:15 am

    Hello, I want to subscribe for this website to get newest updates, thus where can i
    do it please help.

  10. tireuse a biere
    December 2, 2016 | 11:48 pm

    I’m amazed, I must say. Seldom do I come across a blog
    that’s both educative and interesting, and without a doubt, you have hit the nail
    on the head. The issue is something which too few men and women are speaking
    intelligently about. Now i’m very happy that I came across this during my
    search for something concerning this.

  11. mooplaces.com
    December 12, 2016 | 3:24 am

    It’s actually a nice and helpful piece of information.
    I am glad that you just shared this useful info with us.

    Please stay us informed like this. Thanks for sharing.

  12. amoladoras comparativa
    December 17, 2016 | 1:38 am

    Hello colleagues, how is all, and what you desire to say on the topic of this piece of writing,
    in my view its truly awesome in support of me.

  13. migliori essiccatori
    December 29, 2016 | 3:11 pm

    Normally I do not learn post on blogs, but I would like to say that this write-up very
    pressured me to check out and do so! Your writing taste has been amazed me.
    Thank you, very great post.

  14. binocolo opinioni
    December 30, 2016 | 12:28 am

    I blog quite often and I genuinely appreciate your
    content. Your article has really peaked my interest.
    I’m going to bookmark your blog and keep checking for new
    information about once per week. I subscribed to your Feed as well.

  15. sfigmomanometro classifica del 2017
    January 2, 2017 | 10:20 pm

    Yesterday, while I was at work, my cousin stole my apple
    ipad and tested to see if it can survive a thirty foot drop,
    just so she can be a youtube sensation. My apple ipad
    is now broken and she has 83 views. I know this is totally
    off topic but I had to share it with someone!

  16. peter4governor.com
    January 9, 2017 | 7:06 pm

    Very rapidly this web site will be famous among all blogging people, due to it’s pleasant articles

  17. comparatif tournedisques
    January 10, 2017 | 12:21 am

    Aw, this was an exceptionally good post. Taking a few minutes and actual effort to generate a superb article… but what can I say… I procrastinate a lot and don’t manage to get nearly anything done.

  18. Lien
    January 10, 2017 | 6:27 pm

    hi!,I like your writing so so much! share we communicate extra approximately your
    post on AOL? I require a specialist on this area to solve my problem.
    Maybe that’s you! Having a look ahead to peer you.

  19. Domenic
    January 15, 2017 | 1:54 am

    This site certainly has all the info I needed about this subject and didn’t know who to ask.

  20. Jessica
    February 1, 2017 | 11:10 pm

    I’m impressed, I have to admit. Seldom do I come across a blog that’s both equally educative and interesting,
    and without a doubt, you have hit the nail on the
    head. The issue is something which not enough people
    are speaking intelligently about. I am very happy I
    came across this during my search for something concerning this.

  21. scopa elettrica prezzo
    February 14, 2017 | 3:38 am

    Do you mind if I quote a few of your articles as long as I
    provide credit and sources back to your website?
    My website is in the exact same niche as yours and my users would truly benefit from some
    of the information you present here. Please let me know if this alright with you.
    Many thanks!

  22. midwestalternativefuelvehicleexpo.com
    February 15, 2017 | 8:39 pm

    Thank you for another great article. Where else could anybody get that type of info in such a perfect means of writing?
    I’ve a presentation subsequent week, and I’m at the search for such info.

  23. George
    February 16, 2017 | 11:12 pm

    Hi it’s me, I am also visiting this site on a regular basis, this web page is actually good and the visitors are in fact sharing pleasant thoughts.

Leave a Reply


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