<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>finances.randypeterman.com &#187; General</title>
	<atom:link href="http://finance.randypeterman.com/FinancialInfoAbout/general/feed/" rel="self" type="application/rss+xml" />
	<link>http://finance.randypeterman.com</link>
	<description>A wise man once said...</description>
	<lastBuildDate>Sat, 02 May 2009 05:19:21 +0000</lastBuildDate>
	<language>en</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.2.1</generator>
		<item>
		<title>Not Cinderella</title>
		<link>http://finance.randypeterman.com/2009/05/01/not-cinderella/</link>
		<comments>http://finance.randypeterman.com/2009/05/01/not-cinderella/#comments</comments>
		<pubDate>Sat, 02 May 2009 05:19:21 +0000</pubDate>
		<dc:creator>Randy Peterman</dc:creator>
				<category><![CDATA[Funny Money]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Lesson Learned]]></category>
		<category><![CDATA[Taboo & Money (religion, sex, and politics)]]></category>
		<category><![CDATA[Tips'n'Tricks]]></category>

		<guid isPermaLink="false">http://finance.randypeterman.com/?p=604</guid>
		<description><![CDATA[I am not entirely Cinderlla material.  For one I&#8217;m a man, secondly I don&#8217;t have a step-mother.  I have a sister, but she&#8217;s not a step-sister.  I don&#8217;t own enough pets to have a fairy godmother whip into a kit to go to a dance to marry someone besides my wife.  On top of all [...]]]></description>
			<content:encoded><![CDATA[<p>I am not entirely Cinderlla material.  For one I&#8217;m a man, secondly I don&#8217;t have a step-mother.  I have a sister, but she&#8217;s not a step-sister.  I don&#8217;t own enough pets to have a fairy godmother whip into a kit to go to a dance to marry someone besides my wife.  On top of all of that the sea monkeys we do have are probably not going to turn into a flight of horses at all.  Anyway, I&#8217;ve bought inexpensive &#8216;sports shoes&#8217; for most of my adult life.  Shoes that have been pretty bad on my feet.  Shoes that hurt my feet when working out.</p>
<p>Tonight I purchased running shoes.  I purchased $100.00 running shoes.  I am going to have feet that don&#8217;t hurt when I exercise and knees and a back that don&#8217;t kill me after having attempted to get healthy.  I will spend more on shoes, but less at the doctor.  I want to go hiking and hike a 14,000 foot mountain this summer, but my knees are going to need to be able to handle that and I don&#8217;t think they will unless I have shoes that support and work with consistent exercise to get my knees back into shape.</p>
<p>Don&#8217;t spend crazy amounts of money on shoes unless you&#8217;re going to use them, but watch out that your not doing damage to your body by wearing shoes that don&#8217;t cut the mustard.  I&#8217;ve got to go run to the closet and see if I&#8217;ve got something to wear to the ball.</p>
]]></content:encoded>
			<wfw:commentRss>http://finance.randypeterman.com/2009/05/01/not-cinderella/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>This Blog is Relocating to the Randy Peterman Domain</title>
		<link>http://finance.randypeterman.com/2009/04/14/this-blog-is-relocating-to-the-randy-peterman-domain/</link>
		<comments>http://finance.randypeterman.com/2009/04/14/this-blog-is-relocating-to-the-randy-peterman-domain/#comments</comments>
		<pubDate>Tue, 14 Apr 2009 13:16:25 +0000</pubDate>
		<dc:creator>Randy Peterman</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://watchmymoneymaker.com/?p=595</guid>
		<description><![CDATA[I&#8217;m relocating this blog to finance.randypeterman.com because the Watch My Money Maker Brand does not convey the purpose of this blog.  It carries with it a sense that I&#8217;m out to just earn money &#8211; which is not bad &#8211; but I want to convey something with more character.  By using my real name and [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m relocating this blog to finance.randypeterman.com because the Watch My Money Maker Brand does not convey the purpose of this blog.  It carries with it a sense that I&#8217;m out to just earn money &#8211; which is not bad &#8211; but I want to convey something with more character.  By using my real name and my parent domain I feel like this will keep the contents more personal.  I hope you find this undistracting, but I&#8217;m just warning you that change is afoot!</p>
]]></content:encoded>
			<wfw:commentRss>http://finance.randypeterman.com/2009/04/14/this-blog-is-relocating-to-the-randy-peterman-domain/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Do It Yourself?</title>
		<link>http://finance.randypeterman.com/2009/02/08/do-it-yourself/</link>
		<comments>http://finance.randypeterman.com/2009/02/08/do-it-yourself/#comments</comments>
		<pubDate>Sun, 08 Feb 2009 07:30:58 +0000</pubDate>
		<dc:creator>Randy Peterman</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://watchmymoneymaker.com/?p=573</guid>
		<description><![CDATA[I&#8217;m just curious: how many readers of this blog actually look at products and see the potential of making it yourself because you have the confidence to do so?  There is a balance between the time you&#8217;d have to commit to a project, but I often find that when I see things that are straight [...]]]></description>
			<content:encoded><![CDATA[<p>I&#8217;m just curious: how many readers of this blog actually look at products and see the potential of making it yourself because you have the confidence to do so?  There is a balance between the time you&#8217;d have to commit to a project, but I often find that when I see things that are straight forward to construct that I have a hard time spending the money on the item.  Today at the Denver Home &amp; Garden Show I saw some special cabinet shelves that slid on tracks and allowed the owner to access the shelf-space on the corners that are often hard to reach.  The problem was that the shelves were simply constructed out of plywood and tracks that are readily available at my local hardware store.  I would need to make the shelves, but the cost of these shelves would be relatively low  compared to the high cost of the pre-made units.</p>
<p>Would you make your own shelves, just deal with the hard to reach spaces, or buy the pre-made units?</p>
]]></content:encoded>
			<wfw:commentRss>http://finance.randypeterman.com/2009/02/08/do-it-yourself/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Dear New York: Pick One</title>
		<link>http://finance.randypeterman.com/2009/01/02/dear-new-york-pick-one/</link>
		<comments>http://finance.randypeterman.com/2009/01/02/dear-new-york-pick-one/#comments</comments>
		<pubDate>Fri, 02 Jan 2009 18:12:16 +0000</pubDate>
		<dc:creator>Randy Peterman</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://watchmymoneymaker.com/?p=567</guid>
		<description><![CDATA[Have  you noticed that New York is going to have a &#8220;sin tax&#8221; on foods now?  This will surely, surely cause sales of various corporation made foods to drop off.  What if other states follow?  Also, have you noticed that New York has a stock exchange which also impacts major corporations that make food?  That [...]]]></description>
			<content:encoded><![CDATA[<p>Have  you noticed that New York is going to have a &#8220;sin tax&#8221; on foods now?  This will surely, surely cause sales of various corporation made foods to drop off.  What if other states follow?  Also, have you noticed that New York has a stock exchange which also impacts major corporations that make food?  That exchange, for the stocks to go up, almost always demands that the corporations sell more of the crap that New York is now sin taxing.</p>
<p>Pick one, New York: either make trade, which has been your claim to fame historically, or make healthy, but don&#8217;t try to do both.  You&#8217;ve got your hands in both tills, but you&#8217;re going to close the loop around your hands and get caught with them looking rather red.</p>
]]></content:encoded>
			<wfw:commentRss>http://finance.randypeterman.com/2009/01/02/dear-new-york-pick-one/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Online Banking &amp; Christmas</title>
		<link>http://finance.randypeterman.com/2008/11/30/online-banking-christmas/</link>
		<comments>http://finance.randypeterman.com/2008/11/30/online-banking-christmas/#comments</comments>
		<pubDate>Sun, 30 Nov 2008 20:12:22 +0000</pubDate>
		<dc:creator>Randy Peterman</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[christmas]]></category>
		<category><![CDATA[online banking]]></category>
		<category><![CDATA[presents]]></category>

		<guid isPermaLink="false">http://watchmymoneymaker.com/?p=558</guid>
		<description><![CDATA[I just sniffed out my Christmas present due to online banking.  Stinks.  Surprises are nicer than not-surprises, but as part of my faux disciplined financial management strategy I check the bank account&#8230; Christmas Presents via debit cards + Online Banking = FAIL. What do you do about this in your household?  Should we switch to [...]]]></description>
			<content:encoded><![CDATA[<p>I just sniffed out my Christmas present due to online banking.  Stinks.  Surprises are nicer than not-surprises, but as part of my faux disciplined financial management strategy I check the bank account&#8230; Christmas Presents via debit cards + Online Banking = FAIL. <img src='http://finance.randypeterman.com/wp-includes/images/smilies/icon_sad.gif' alt=':(' class='wp-smiley' /> </p>
<p>What do you do about this in your household?  Should we switch to cash only?  Do you work out things like this with accomplices to make sure that it doesn&#8217;t show up on your statements?</p>
]]></content:encoded>
			<wfw:commentRss>http://finance.randypeterman.com/2008/11/30/online-banking-christmas/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Water Bill: Down for the Month of October</title>
		<link>http://finance.randypeterman.com/2008/11/19/water-bill-down-for-the-month-of-october/</link>
		<comments>http://finance.randypeterman.com/2008/11/19/water-bill-down-for-the-month-of-october/#comments</comments>
		<pubDate>Wed, 19 Nov 2008 18:53:16 +0000</pubDate>
		<dc:creator>Randy Peterman</dc:creator>
				<category><![CDATA[Funny Money]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[dishwasher]]></category>
		<category><![CDATA[humor]]></category>
		<category><![CDATA[water]]></category>

		<guid isPermaLink="false">http://watchmymoneymaker.com/?p=552</guid>
		<description><![CDATA[Our water bill was down $roughly $30.00 for October.  We&#8217;re pushing the reasons for that to the following: Sprinklers were turned off part way through the month The new dishwasher was installed after the month of October I didn&#8217;t bathe for most of October OK, so the last two reasons don&#8217;t count, but the dishwasher [...]]]></description>
			<content:encoded><![CDATA[<p>Our water bill was down $roughly $30.00 for October.  We&#8217;re pushing the reasons for that to the following:</p>
<ul>
<li>Sprinklers were turned off part way through the month</li>
<li>The new dishwasher was installed after the month of October</li>
<li>I didn&#8217;t bathe for most of October</li>
</ul>
<p>OK, so the last two reasons don&#8217;t count, but the dishwasher will help a lot, and I fixed a very slow, but persistent dripping valve that lead to our sprinkler system, too, earlier this month.  Hooray for savings where we can get them!</p>
]]></content:encoded>
			<wfw:commentRss>http://finance.randypeterman.com/2008/11/19/water-bill-down-for-the-month-of-october/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Saving Money From an Old Folly:Back to Cable</title>
		<link>http://finance.randypeterman.com/2008/11/18/saving-money-from-an-old-follyback-to-cable/</link>
		<comments>http://finance.randypeterman.com/2008/11/18/saving-money-from-an-old-follyback-to-cable/#comments</comments>
		<pubDate>Wed, 19 Nov 2008 03:22:14 +0000</pubDate>
		<dc:creator>Randy Peterman</dc:creator>
				<category><![CDATA[General]]></category>
		<category><![CDATA[Savings Opportunities]]></category>
		<category><![CDATA[Tips'n'Tricks]]></category>

		<guid isPermaLink="false">http://watchmymoneymaker.com/?p=550</guid>
		<description><![CDATA[Yesterday we switched from Qwest to Comcast.  We had no choice.  Qwest clearly did not want our business, and Comcast was very eager to get our business.  Through word of mouth we heard of a deal Comcast was running wherein we would pay $55/month for basic cable (network shows), telephone/long distance, and internet access for [...]]]></description>
			<content:encoded><![CDATA[<p>Yesterday we switched from Qwest to Comcast.  We had no choice.  Qwest clearly did not want our business, and Comcast was very eager to get our business.  Through word of mouth we heard of a deal Comcast was running wherein we would pay $55/month for basic cable (network shows), telephone/long distance, and internet access for six months, then the following six months we&#8217;d pay $75/month, and then after a year the price would go to $102/month.  I work from home so I need all of those services (besides basic cable, but we sort of need that due to our location as network television doesn&#8217;t travel to our television any other way).  We were paying $140/month through qwest for those services, but this month we got our bill and it went up another $12.00.  In short the switch, including free installation, gained us around $600.00 in savings this year.</p>
<p>Further, we were using DirectTV&#8217;s DVR for recording shows as part of the Qwest bundle, which has a horrible interface.  With cable, which we had before switching to satellite I can use the Windows Media functionality in my family computer to record the shows I want, and even better than that: I can use Windows Media Center to play the shows back, and the Windows Media Center UI is polished, clean, and lets me jump 30 second intervals  in the video instantly.  DirectTV definitely needs to get their act together because the software that I have from Microsoft, which is for general use, is better than the DirectTV junk that they force on their customers.  I did have to buy a second TV card for my Media Center PC to be able to record two conflicting shows at once, so that was an added $110.00.  But for the amount I&#8217;m saving, I&#8217;m still way ahead of using Qwest for their &#8216;bundled&#8217; package.</p>
<p>To cap things off when my wife called Qwest yesterday to cancle service they had the audacity to tell us that they&#8217;d be glad to try to get us a better rate after having jacked up the price on us just this month!  Why charge customers more if you don&#8217;t have to?  Because some customers will just take the rate increase and ignore the loss.  If we run into any other hiccups or problems, I&#8217;ll be sure to post them, but I couldn&#8217;t believe the savings.</p>
]]></content:encoded>
			<wfw:commentRss>http://finance.randypeterman.com/2008/11/18/saving-money-from-an-old-follyback-to-cable/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mint.com: A Re-Review</title>
		<link>http://finance.randypeterman.com/2008/11/18/mintcom-a-re-review/</link>
		<comments>http://finance.randypeterman.com/2008/11/18/mintcom-a-re-review/#comments</comments>
		<pubDate>Tue, 18 Nov 2008 13:13:07 +0000</pubDate>
		<dc:creator>Randy Peterman</dc:creator>
				<category><![CDATA[General]]></category>

		<guid isPermaLink="false">http://watchmymoneymaker.com/?p=543</guid>
		<description><![CDATA[Back in September of 2007 I mentioned that Leo Laporte had made some strong accusations of Mint.com.  Both Mint.com and Wesabe.com staff left comments on my blog, and both offered to do follow up interviews via email.  I never got responses from either one of them, but that aside I wanted to address two things. [...]]]></description>
			<content:encoded><![CDATA[<p>Back in September of 2007 I mentioned that <a href="http://watchmymoneymaker.com/2007/09/28/online-security-twit-scalds-mintcom/">Leo Laporte had made some strong accusations of Mint.com</a>.  Both Mint.com and Wesabe.com staff left comments on my blog, and both offered to do follow up interviews via email.  I never got responses from either one of them, but that aside I wanted to address two things.</p>
<p>First the security of Mint.com is solid.  They&#8217;re setup is reliable, and there should be no concern over the security of your account information on that site.  They use a gateway service that protects your account from being stored on their server&#8230; in essence everything happens through several security layers so that if anyone were to hack your account the worst they could do would be to see your accounts&#8217; dollar values, transaction information and if they&#8217;re feeling rather nasty they could delete the accounts.  They will not be able to execute any transactions from within Mint.com, and they will not be able to see any account numbers.</p>
<p>Secondly, I&#8217;ve been using Mint.com for over a year now and I can honestly say that I love it as budgeting software.  It is the least invasive of the systems I&#8217;ve used and it gives me the a lot of information with very little intervention to sculpt the data.  If you haven&#8217;t used Mint.com, please consider creating an account and give it a try.  It has a lot to offer in a very simple interface, I think you will like it.</p>
]]></content:encoded>
			<wfw:commentRss>http://finance.randypeterman.com/2008/11/18/mintcom-a-re-review/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>We&#8217;ve Joined the 80&#8242;s!</title>
		<link>http://finance.randypeterman.com/2008/11/17/weve-joined-the-80s/</link>
		<comments>http://finance.randypeterman.com/2008/11/17/weve-joined-the-80s/#comments</comments>
		<pubDate>Mon, 17 Nov 2008 13:12:17 +0000</pubDate>
		<dc:creator>Randy Peterman</dc:creator>
				<category><![CDATA[Funny Money]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Savings Opportunities]]></category>
		<category><![CDATA[Tips'n'Tricks]]></category>
		<category><![CDATA[funny]]></category>
		<category><![CDATA[home improvement]]></category>
		<category><![CDATA[humor]]></category>
		<category><![CDATA[microwave]]></category>
		<category><![CDATA[the obvious]]></category>
		<category><![CDATA[tips and tricks]]></category>

		<guid isPermaLink="false">http://watchmymoneymaker.com/?p=541</guid>
		<description><![CDATA[This weekend I did something that proudly puts our household firmly into the middle of the 80&#8242;s: I installed a microwave.  This is one of those awesome contraptions/appliances that heats up food in a matter of minutes and allows us to defrost meat if we&#8217;ve had one of those boneheaded days where we forgot in [...]]]></description>
			<content:encoded><![CDATA[<p>This weekend I did something that proudly puts our household firmly into the middle of the 80&#8242;s: I installed a microwave.  This is one of those awesome contraptions/appliances that heats up food in a matter of minutes and allows us to defrost meat if we&#8217;ve had one of those boneheaded days where we forgot in the morning to get out food for the evening that we froze last January.  In essence we&#8217;re in shape now to save money on eating out because we blew the frozen meat schedule.  I cannot tell you how many times we&#8217;ve been low on pantry items, low on other non-pantry items and then had the meat <em>not</em> be defrosted.  It took me until this month to figure out that a microwave, which is <a href="http://watchmymoneymaker.com/2008/11/08/formula-four-oh-nine/">not as expensive as a dishwasher</a>, could save us money in the eating out department.</p>
<p>This isn&#8217;t revolutionary by any stretch, but we&#8217;ve been living without a microwave for 3.5 years now and so having one kinda feel cool and funny.  Various things get hot quickly in the microwave instead of dirtying up several pots and pans, which means I may not have to run the dishwasher as often, or wash as many dishes as often.  Its funny to think how much we&#8217;ve been spending on some things because of the fact we didn&#8217;t have a microwave.</p>
<p>I actually ended up having to do the following, in case too much information is something you like to have:</p>
<ul>
<li>Remove old ventilation unit over the stove</li>
<li>Remove old cabinet above old ventilation unit over the stove</li>
<li>Do some electrical magic to make sure the microwave plugged in just right and didn&#8217;t cause electrical fires</li>
<li>Fabricate a spacer/mount for the microwave so as to make sure that it stayed securely in place.  This was <em>not</em> in the directions, but I am overly concerned about things <em>staying</em> on my wall.</li>
<li>Mount the microwave with help of the wife</li>
<li>Partially unmount the microwave with help of the wife and fix the direction of the ventilation fan as per the step skipped in the directions I apparently didn&#8217;t read carefully enough</li>
<li>Re-mount the microwave</li>
<li>Re-mount the cabinet above the microwave and spacer/mount.  This changes our cabinet configuration, but in a good way.</li>
</ul>
<p>For those of you keeping track I got to do electrical work, wood work, cabinetry (a slight exageration), and install a money saving device.  The only major casualty was my thumb when a random hammer flew out of nowhere and struck it.  I feel like the lovechild of Tim &#8220;The Toolman&#8221; Taylor and Suze Orman**.</p>
<p><small>** not really, that&#8217;s disgusting.  I&#8217;m really glad I have the parents I have.</small></p>
]]></content:encoded>
			<wfw:commentRss>http://finance.randypeterman.com/2008/11/17/weve-joined-the-80s/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Two Interest Rate Reductions This Week</title>
		<link>http://finance.randypeterman.com/2008/11/13/two-interest-rate-reductions-this-week/</link>
		<comments>http://finance.randypeterman.com/2008/11/13/two-interest-rate-reductions-this-week/#comments</comments>
		<pubDate>Fri, 14 Nov 2008 03:15:13 +0000</pubDate>
		<dc:creator>Randy Peterman</dc:creator>
				<category><![CDATA[Debt Redux]]></category>
		<category><![CDATA[General]]></category>
		<category><![CDATA[Savings Opportunities]]></category>
		<category><![CDATA[credit card interest rates]]></category>
		<category><![CDATA[credit cards]]></category>
		<category><![CDATA[interest rates]]></category>

		<guid isPermaLink="false">http://watchmymoneymaker.com/?p=539</guid>
		<description><![CDATA[I had two credit card companies lower my interest rate by 1% this last week.  No explanation, just a lowered interest rate.  I think they want their balances paid off faster.  Has anyone else seen this?]]></description>
			<content:encoded><![CDATA[<p>I had two credit card companies lower my interest rate by 1% this last week.  No explanation, just a lowered interest rate.  I think they want their balances paid off faster.  Has anyone else seen this?</p>
]]></content:encoded>
			<wfw:commentRss>http://finance.randypeterman.com/2008/11/13/two-interest-rate-reductions-this-week/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
	</channel>
</rss>

