break http://www.wisebread.com/taxonomy/term/11041/all en-US Best Money Tips: Things to Do on Your Lunch Break http://www.wisebread.com/best-money-tips-things-to-do-on-your-lunch-break <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-things-to-do-on-your-lunch-break" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/lunch-break-74226770-small.jpg" alt="lunch break" title="lunch break" class="imagecache imagecache-250w" width="250" height="146" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some awesome articles on things to do on your lunch break, money tips for new grads, and turning a cheap vacation into a first-class getaway.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.savvysugar.com/Things-Do-During-Your-Lunch-Hour-35087372">11 Things to Do on Your Lunch Break</a> &mdash; On your lunch break, consider mailing your packages or reading a book. [POPSUGAR Smart Living]</p> <p><a href="http://www.fivecentnickel.com/2014/06/30/essential-money-tips-for-new-college-grads/">Essential Money Tips for New Grads</a> &mdash; New grads should create a budget and borrow a book or two on finance. [Five Cent Nickel]</p> <p><a href="http://money.usnews.com/money/personal-finance/articles/2014/06/24/10-ways-to-turn-a-cheap-vacation-into-a-first-class-getaway?int=aa6a09&amp;int=a86509">10 Ways to Turn a Cheap Vacation Into a First-Class Getaway</a> &mdash; To turn a cheap vacation into a first-class getaway, pack your own food and be choosy about souvenirs. [US News &amp; World Report]</p> <p><a href="http://www.getrichslowly.org/blog/2014/06/30/dissecting-retirement-savings/">Dissecting Retirement Savings</a> &mdash; Chances are even if you started saving at a young age, you still need to continue to save for retirement. [Get Rich Slowly]</p> <p><a href="http://www.mainstreet.com/article/moneyinvesting/savings/quarter-americans-dont-have-any-emergency-savings">A Quarter of Americans Don't Have Any Emergency Savings</a> &mdash; 26% of Americans don't have an emergency fund. Are you part of this statistic? [MainStreet]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.thewisdomjournal.com/Blog/networking-opportunities/">12 Networking Opportunities You Cannot Afford to Miss</a> &mdash; Don't let the networking opportunity of social media and industry associations pass you by. [The Wisdom Journal]</p> <p><a href="http://moneysmartlife.com/against-early-retirement/">An Argument Against Early Retirement</a> &mdash; If you retire early, you have a higher chance of outliving your money. [Money Smart Life]</p> <p><a href="http://www.doughroller.net/smart-spending/5-best-cash-back-online-shopping-sites/">The 5 Best Cash Back Online Shopping Sites</a> &mdash; Big Crumbs and Ebates are just a couple of awesome cash back shopping sites. [Dough Roller]</p> <p><a href="http://www.learnvest.com/2014/06/affordable-family-vacations/">6 Fun (And Affordable) Summer Trips For Families</a> &mdash; Need an affordable summer vacation? Try camping in Coos Bay, OR. [LearnVest]</p> <p><a href="http://parentingsquad.com/enjoy-patriotic-foods-this-fourth-of-july">Enjoy Patriotic Foods This Fourth of July</a> &mdash; Celebrate the 4th of July with a Crunchy Fourth of July Cheeseburger or Red, White, and Blue Nachos. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-things-to-do-on-your-lunch-break">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/kill-boredom-with-these-34-fun-and-productive-projects">Kill Boredom With These 34 Fun and Productive Projects</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-tools-that-stop-computer-distractions-and-help-you-stay-on-task">6 Tools That Stop Computer Distractions and Help You Stay on Task</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-your-to-do-lists-more-effective-with-these-5-simple-hacks">Make Your To-Do Lists More Effective With These 5 Simple Hacks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-simple-ways-to-change-up-your-routine-and-love-your-day">25 Simple Ways to Change Up Your Routine and Love Your Day</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-you-need-a-time-budget-and-how-to-create-it">Why You Need a Time Budget — and How to Create It</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Productivity best money tips. lunch break productivity Fri, 04 Jul 2014 19:00:02 +0000 Ashley Jacobs 1152746 at http://www.wisebread.com Things wear out http://www.wisebread.com/things-wear-out <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/things-wear-out" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/shoes_0.jpg" alt="Shoes" title="Shoes" class="imagecache imagecache-250w" width="250" height="346" /></a> </div> </div> </div> <p>I have a pair of shoes that are about to wear out. This sucks because they're shoes I wear pretty often (which is no doubt why they're wearing out). I'll probably have to replace them. I was mulling over a possible post on the universal experience of things wearing out, when it occurred to me that this experience may not be quite as universal as it used to be.</p> <p>No doubt everybody has had some things wear out, if only a favorite t-shirt, but it's not like the old days when wearing out was the most usual reason that things needed to be replaced.</p> <h2>Failure modes other than wearing out</h2> <p>I bet that nowadays people much more often find that things need to be replaced for other reasons.</p> <ul> <li>T<strong>hings break</strong>.&nbsp; This is different from wearing out. I've got some drinking glasses made of glass that will never wear out--there's no reason people can't be drinking out of them a thousand years from now if they don't break. Of course there's some overlap--some things break because one small part--a hinge or latch or switch or battery--wears out. (And this is not accidental--companies spend millions of dollars to make sure that the things they build will last long enough to make their customers feel like they've gotten their money's worth <em>but no longer</em>. Having a small but critical part that will wear out in a predictable amount of time--so that the item is broken and needs to be replaced--is the easiest way to do this.)</li> <li><strong>Styles or fashions change</strong>.&nbsp; Any particular year, for example, fashion dictates that men's shorts should be some particular length (just now this seems to be 9 to 11 inch inseams). I try to stand unmoved by changes in style and fashion, and mostly succeed--I wear the shorts I've already got until they wear out.&nbsp; When fashion turns sharply against my own tastes I've been known to let my wardrobe dwindle rather than buy stuff I don't like. Still, it has an impact on a lot of people.</li> <li><strong>Things become obsolete</strong>.&nbsp; This does bite me. For example, I've got a couple of perfectly good computers that won't run the next release of MacOS because they've got PowerPC processors. I try to lean against the winds of obsolescence. For one thing, I continue to use obsolete stuff for as long as it still works, if I&nbsp;can. More important, I try to gauge a thing's &quot;obsolescence potential&quot; before deciding whether to buy it--and the higher the likelihood that it'll be obsolete before it wears out, the more disinclined I am to make the purchase.</li> </ul> <h2>Prefer things that wear out</h2> <p>Generally, I prefer things that wear out. It's not that wearing out is a good thing, it's just that wearing out is a pretty good sign that whatever it is doesn't suffer from one of these other reasons that things need to be replaced.</p> <p>Of course, it's best if they won't wear out for a long time. Garden tools (spade, rake, hoe) will wear out eventually, but ought to be good for a generation or two. Well-made furniture can last for generations as well. Photos taken with old-fashioned film will last a hundred years with ordinary care and quite a bit longer if dealt with in an archival fashion. Well-made books can last a very long time indeed. (The University of Illinois library here in town has perfectly readable copies of the Proceedings of the Royal Society dating back to when Isaac Newton was publishing.)</p> <p>But even things that wear out in an ordinary amount of time are still better than things that need to be replaced early because they're obsolete or out of fashion, for lots of reasons:</p> <ul> <li>Things that wear out can be pressed into service even after they're threadbare.&nbsp;</li> <li>Things that wear out can be made to last longer with gentle use.&nbsp;</li> <li>Things that wear out can sometimes even be kept in service with simple repairs.</li> </ul> <p>Things that go out of fashion are second best.&nbsp; As long as you don't mind being out-of-fashion, such things tend to be perfectly serviceable long after you're supposed to have replaced them with some newer, trendier thing.</p> <p>Things that become obsolete are less satisfactory yet--unless you're one of those rare people who can can go right on using an obsolete device that still serves its purpose.&nbsp; (Grandparents seem to be good at this.)</p> <p>Things that break are probably the worst--especially if the way they break is by having some small essential bit wear out.&nbsp; Sometimes, as with glasses made of glass, it's kind of a trade off.&nbsp; My glass glasses aren't going to become obsolete or go out of fashion, and they certainly won't wear out.&nbsp; They will no doubt break eventually, but it seems to me like a reasonable risk to take--the need to exercising a certain amount of care is a reasonable price to pay for glasses that will never wear out.</p> <p>Prefer things that wear out, because it's a sign that they don't suffer from the worse failure modes.&nbsp; Then, use them gently so they last as long as possible.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/philip-brewer">Philip Brewer</a> of <a href="http://www.wisebread.com/things-wear-out">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/tactics-of-the-rich">Tactics of the rich</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/will-a-dental-discount-plan-save-you-money">Will A Dental Discount Plan Save You Money?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-denim-expert-reveals-why-you-only-need-3-pairs-of-jeans">A Denim Expert Reveals Why You Only Need 3 Pairs of Jeans</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/eight-natural-ways-to-make-water-more-flavorful">Eight Natural Ways to Make Water More Flavorful</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Frugal Living Style break fashion perceived obsolescence planned obsolescence wear out Mon, 29 Jun 2009 11:29:27 +0000 Philip Brewer 3320 at http://www.wisebread.com