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The Dollar Stretcher
"Living Better...For Less"
May 14, 2007
Volume 12, Number 20
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"The Dollar Stretcher" and Dollar Stretcher, Inc. does not
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applied accordingly. It is up to the reader to determine if
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In This Issue:
Introduction
Things I Wish I'd Known as a High School Graduate
by April Borbon
Start your life on a positive, financially successful foot
Beat the High Cost of Coffee Shops
by Jeff Guthrie
A former barista spills the beans!
The Dollar Stretcher Community
Help! Setting Boundaries with Adult Kid
He's an adult, right? He should be able to do what he
pleases... but in your home?
Stay-At-Home Vacation
by Jessica Snell
A quality vacation with all the comforts of home
Leaky Air Conditioning
Ask Bob: The Auto Answer Man
Tips, Quips, Quotes & Questions
On www.Stretcher.com This Week
===========================================================
Introduction
by Gary Foreman
gary@stretcher.com
Hello to all my Frugal Friends!
Think that we've got some neat stuff for you this week. Articles
on what all graduates should know, how to save on coffee,
vacationing near your home and an auto a/c question for Ask Bob.
Don't miss out on the conversation about adult children in The
Dollar Stretcher Community at
Oh, and don't miss out on having a wonderful week!
All the Best!
Gary
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Things I Wish I'd Known as a High School Graduate
by April Borbon
Start your life on a positive, financially successful foot
Graduation is coming up and soon hundreds of thousands of
young adults will be released from the confines of high school
and into the "real" world. Thinking back, there were many
things I wish I'd known as a new graduate that weren't covered
in school. Among those things:
- How to use a credit card. Generally around your 18th
birthday (the time when you can sign a legally binding
contract), your mailbox becomes flooded with credit card
offers. Instead of accepting every credit card offer that came
my way and promptly maxing them out which lead to years of
debt, I wish I had accepted only one credit card and used it
to make small purchases that I would have paid off monthly.
Responsible credit use builds your credit score and keeps you
out of perma-debt.
- It's worth the work to both keep your grades in tip-top
shape and apply for as many scholarships as possible. College
graduates earn much more over their lifetime than high school
graduates. The way to get a college education without paying
off student loans for the rest of your natural life is two-
fold. First, keep up your grades, test scores and
school/community activities. It's worth all of the effort when
it comes to getting into a good college and getting financial
aid. Second, apply for any and every scholarship possible;
it's much better to let a variety of generous scholarships pay
your college costs than you and your parents. Free money is
good.
- Delayed gratification is also good. Although we live in a
"gotta have it now" society, considering all of the
ramifications of your actions and delaying gratification is a
good thing for both now and your future. Before I even
graduated, I wanted to be an adult. I bought a car at the age
of 16 (which meant car payments, insurance, upkeep, etc.),
rented an apartment the minute I turned 18 (along with that
came bills for utilities, groceries, etc.), and started
hanging out with an adult crowd, skipping the end of high
school/college social experience all together. Lesson learned:
there is plenty of time to be an adult. Don't burden yourself
with monthly bills, the responsibility of full time work,
furniture that would take a good-sized U-Haul to move and all
of the others parts of adulthood that leaves no "out" in case
you want to head off and travel, go to college out of state or
kick back on a beach somewhere.
- Working full time, especially at a good paying job, isn't
always a good thing. This, more than anything, has a way of
curtailing the experimentation phase of young adulthood.
Pretty soon you start chasing the money and forget about
school or other training that can bring even more money and
satisfaction in your future. You wonder why you are knocking
yourself out at college when you are making good money now.
Another down side is that young people with a lot of money
have the opportunity to make some pretty huge mistakes. I
can't count the number of people who got into drugs, alcohol,
and fast cars with all of the ensuing problems that comes with
that just because they could afford to.
- I would have paid more attention to my parents and
grandparents. The fact is that oldsters have a lot to teach if
you hang around them long enough. There will come a time when
you will wish you knew how to bargain shop like your mom, cook
from scratch like grandma and build something/grow something
like grandpa. Take advantage of these wonderful resources now.
- Finally, I would have paid attention to the magic of
compounding interest. Here's an example: if you are 20 years
old and save $100 a month for 40 years at 5% interest you will
have $152,207 when you are 60 years old. If you save the same
amount but don't start until you are 40 years old, you will
only have $41,663 when you are 60 years old. Saving a little
every month makes much better financial sense then trying to
catch up when you are older.
While everyone learns lessons the hard way, these are just a
few of the ways that you can start out your life on a
positive, financially successful foot.
Take the Next Step:
- Decide which new lifestyle habit you're going to cultivate
and get started!
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Beat the High Cost of Coffee Shops
by Jeff Guthrie
A former barista spills the beans!
I'm sure some of you out there are like me and are totally and
completely addicted to Starbucks! At one time, I was drinking
two or more lattes a day. As most of you know, this habit can
run you into the poor house (not the pour house) in record
time. So, I decided to try alternative methods to feeding my
addiction.
The Inexpensive Latte
When you visit Starbucks or any other coffeehouse serving fine
coffees and specialty drinks you will usually spend $3 to $4
on a decent latte. If you look closely, you will see that the
espresso used to make these drinks is anywhere from 50 cents
to $1 per shot.
So, instead of ordering a latte, just ask for a shot or two of
espresso and a cup of ice (I like my lattes iced). Take your
shots and cup of ice over to the condiment stand (where the
sugar and cream are) and pour your two shots into the cup of
ice. Add an appropriate amount of milk or cream and sugar as
needed and your $4 latte just cost you half the price.
The Red Eye and the Black Eye
To get the same impact as a latte, you can also order a
regular cup of coffee (usually a $1.50 or so) and ask them to
add a shot or two to the coffee. Generally, coffee shops only
charge 50 cents or so for a shot added to a drink so you can
get the wham of espresso in your regular coffee and add cream
to the level you like.
One shot of espresso added to coffee is called a Red Eye and
two shots added is called a Black Eye. For those of you with a
serious addiction, three shots added to a drink is called a
Dead Eye or a Bulls Eye.
The Free Latte (almost)
Finally, you can go even one step further and start making
your lattes at home. Your basic espresso maker with a steamer
attachment costs around $30. If you calculate the cost of a
latte at $3, you only need sacrifice 10 lattes to buy your own
espresso machine. Once you have that, all you need is the
coffee and a container to steam milk in.
Now, a pound of Starbucks Espresso (the best bean, in my
opinion) costs around $15. That hikes the cost of your latte
up considerably even though you are making it at home. There
are other brands of Espresso out there that cost anywhere from
$6 to $25 and many of them will make a decent espresso.
However, I have found a little known Mexican coffee that makes
espresso as good or better than the Starbucks brand. It is
called Cafe Bustello. This coffee is found in most grocery
stores in my area (North Carolina) in a bag or can (the cans
are great for storage) for about $3.50. The bonus to buying
this coffee is that it is already ground and still retains the
original flavor.
The final expense you have is a container to steam milk in. I
have tried several types of containers but the best (the one
that gives you that authentic taste) is the metal container.
You can usually pick one up at Target, Wal-Mart or a cooking
supply place for a couple of dollars. If you want to go the
extra mile, go ahead and get a thermometer as well. I have
always just used my finger on the outside of the container to
test the temperature.
Now that you have all of the ingredients, spoon out your Cafe
Bustello into the espresso maker, steam your milk to 180
degrees (no higher or it might taste scorched) and enjoy a
coffee shop latte for almost nothing.
Take the Next Step:
- Calculate how much it would cost to make your favorite
coffee at home. And, then calculate how much you'd save each
year.
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The Dollar Stretcher Community
Help! Setting Boundaries with Adult Kid
He's an adult, right? He should be able to do what he
pleases... but in your home?
===========================================================
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Stay-At-Home Vacation
by Jessica Snell
A quality vacation with all the comforts of home
You work on your home, day after day, and week after week.
Housework and yardwork never seem to end. When it comes time
for vacation, all you can think of is getting away. But
instead of buying expensive tickets out of town, have you ever
thought of staying right where you are and enjoying the fruit
of your labors?
A stay-at-home vacation is the answer to the frugal person's
quest for a quality vacation at bargain basement prices. How
many times have you heard a resort advertising itself as
having "all the comforts of home"? But no resort will ever be
as tailored to your personal tastes as your own home can be.
Staying at home during your own vacation also has the
advantage of freeing up your resources. Whatever money you
budgeted on travel and lodging can now be put to better use.
Spending even half of the money you would have spent on
lodging and travel will buy you a first-class at-home
vacation. Rather than buying a bed and a p*** ticket, you can
use your vacation money to buy experiences. Either the
experience of lazing around your home with the best of food,
drink and home entertainment, or the experience of any
adventure within driving distance of your hometown.
If you crave the laid-back feeling of the first type of at-
home vacation, plan to spend your money on DVDs you've been
wanting to watch, games you've been wanting to play, and
treats that have been tempting your palate. Don't forget the
little extras like a few comfy new pillows to snuggle down
into at night or a couple new gallon pots of flowers to
brighten the view out your back window.
If you're more in the mood for adventure, go onto your city's
website and research what fun there is to be had outside your
front door. Every city is famous for something. Sometimes
residents miss out on their own landmarks. All the tourists go
visit the Grand Canyon, but there are residents of Arizona
who've never seen it. Pretend you've never visited your county
before, and go try out everything a tourist would. Go bungee-
jumping, go to the beach, go ride a horse, go hike that famous
nature trail.
And when you come back home, at the end of a happy, exhausting
day, smile. Because you, unlike a tourist, don't have to
unpack.
Take the Next Step:
- Make a list of all the things that you can do and places you
can visit and still sleep in your own bed at night
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Leaky Air Conditioning
Ask Bob: The Auto Answer Man
Hi Bob,
I have a '96 Camaro that won't blow cold air. About a month
ago, I had a repair shop check it for leaks with dye and they
found none. They said that my Freon was a little low, so they
added to it at the time. About three weeks later, I noticed it
would take my a/c a little longer than normal to start blowing
cold air. It did this a few times and then it just stopped
blowing cold air completely. I returned to the shop and they
told me my compressor was leaking Freon and recommended I have
it changed. I followed their advice and did so. Now, a week
later, I noticed the same problem happening again. The a/c
took longer and longer to cool and finally stopped cooling.
After all of this, I don't feel that the shop gave me accurate
information about my problem, and because of it, I am out
several hundred dollars. I'm hesitant to go back to the same
shop because of this and I feel the compressor was not the
problem to begin with. I find it rather hard to believe the
new compressor would have the same problem as the old one.
What could be causing my A/C not to blow cold air?
Maria R.
Maria,
It sounds like there is a leak. To be quite honest, I think
the shop did a shoddy job. They should have found the leak the
first time. There are rules against filling an a/c that you
know has a leak in it. I bet that the leak is in the
evaporator coil as that is not easily seen because it has a
lot of plastic covers over it. However, the ultraviolet light
should have picked it up. I would take it to a different shop
but try to find someone that has a better reputation.
Good Luck!
Drive Safely!
Bob, The Auto Answer Man
_________________________
If you have a question for Bob, send it to
AskBob@stretcher.com He's able to answer many of them
personally and we'll include the best questions in future
issues of The Dollar Stretcher.
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Tips, Quips, Quotes and Questions
*********
Can You Help This Reader?
*********
Peel and Stick Tiles
We have almost decided to lay "peel and stick" vinyl tiles in
our kitchen and dining room. We would like to hear pros/cons
on vinyl tiles. Are they durable? Do they really stick? Do
they come loose easily? Should we add more adhesive when
applying them? Any help and direction will be greatly
appreciated. We hate to make an investment of money, time, and
labor on something that is not going to hold up for the long
term.
Jeanne
Please send your answers mailto:CanYouHelp@stretcher.com with
"Peel and Stick" as the subject. We'll include the best
solutions in future issues.
*********
Yes, We Can Help This Reader
Backyard Teen Retreat
*********
I've also set up a family size tent in the backyard, threw in
a couple of sleeping bags and it becomes their "playhouse." An
outdoor extension cord from the garage ensures they can have
their radio or even a small television. The best thing is that
it is free and I can keep a close eye on them.
Shaunna
more suggestions for making your backyard an inviting place
for your teens at
*********
Comfort Inn
I always provide my guests with a bathrobe to use while
staying with me. This gives them the comfort of being able to
move around the house without needing to get dressed in case
they haven't brought or don't usually wear pajamas. I also
leave out instant coffee, tea bags, mugs, spoons, and a
kettle. If someone can't sleep due to jet lag or unfamiliar
surroundings or if they are an early riser, they can make
themselves a cup of coffee or tea without having to wait for
me to get up.
Evelyn S.
*********
Precious Water
Here in Israel, water is at premium, so everyone uses drip
irrigation. This is the most efficient (90%) method of
watering plants. A drip irrigation system consists of a length
of tubing with small holes or emitters around the plants and a
valve or two. There is a lot of information about drip
irrigation on the web, and with a little research, almost
anyone can set up such a system. Your water bill will thank
you!
Leah A. in Kochav Yaakov, Israel
*********
What to Say
When my daughter was in Girl Scouts, there were a lot of
mothers that "had big money," but their quote was "we're on a
budget." This taught me a lot. I no longer say that I can't
afford something. Instead, I say that I am on a budget.
M.
*********
What would you do with an extra $100? Last month Doris from
Acworth, GA won a $100 check just for sending in a favorite
time or money saving idea. This month it could be you. Just
send your suggestion by mailto:Tips@stretcher.com.
If we use your tip in any of our publications, we'll send you
the next three issues of our print newsletter as a "thank you"
and you'll automatically be entered into our monthly $100
drawing!
Receive Dollar Stretcher Tips twice each week. More great
ideas for saving money! Just send
mailto:sub-ds-tips@hub.thedollarstretcher.com
===========================================================
On www.Stretcher.com This Week
editor's note: Hotmail and WebTV users may have trouble with
some addresses. Please access them from our front page
Special Retirement Section
--------------------------
Retirement Roadblock: Caring for Family
Jumping off the fast track to care for a child or parent can
put the skids on retirement savings. Check out these seven
ways to keep the momentum going
Story Here - http://www.stretcher.com/brm/07/07may08c.htm
The Art of Retirement
The starving artist stereotype undergoes revision with the
Artist Pension Trust, an investment program for visual artists
Story Here - http://www.stretcher.com/brm/07/07may08d.htm
The Long and Short of Long-Short Funds
Want to hedge investments like the big-money people? The
average investor can get in on the action via somewhat tamer
long-short mutual funds
Story Here - http://www.stretcher.com/brm/07/07may07a.htm
6 Retirement Savings Tips for People 50+
Now is the time to re-assess and ramp up your retirement
savings strategies. Maximize your contributions and step
cautiously into retirement
Story Here - http://www.stretcher.com/brm/07/07may07b.htm
Managed vs. Index Funds
The debate over index versus actively managed funds has raged
so long without resolution that it has taken on the rich
patina of the great sports rivalries. Both offer advantages
Story Here - http://www.stretcher.com/brm/07/07may04a.htm
Don't Let Divorce Derail Your Retirement
Both partners stand to lose financially in a divorce. Check
out these eight tips for protecting your assets
Story Here - http://www.stretcher.com/brm/07/07may04e.htm
Retirement Savings Tips for 40-Somethings
Four ways to improve your retirement savings just as you hit
your peak earning years and family expenses are ballooning
Story Here - http://www.stretcher.com/brm/07/07may03a.htm
Your Money
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Things I Wish I'd Known as a High School Graduate
by April Borbon
Getting off to a good start as an adult
Story Here - http://www.stretcher.com/stories/07/07may14b.cfm
Helping a Desperate Sister
by Gary Foreman
She wants a new car. Can I get involved?
Story Here - http://www.stretcher.com/stories/07/07may14f.cfm
My Story: Why?
contributed by Charolett
What you can learn from a simple question
Story Here - http://www.stretcher.com/stories/07/07may14g.cfm
Fame & Fortune
With his hit series "The O.C." ended, 27-year-old actor Adam
Brody admits he's a bit anxious to get back to work but can
only hope the cards fall his way
Story Here - http://www.stretcher.com/brm/07/07may08e.htm
Do We Sell Home Before or After Bankruptcy?
Check the laws of the state where you intend to move, and then
file in the state where the rules are more favorable
Story Here - http://www.stretcher.com/brm/07/07may08f.htm
Don't Want That Annuity Anymore? Sell It!
The secondary market for annuities allows owners to cash out
and use the money in another way
Story Here - http://www.stretcher.com/brm/07/07may07c.htm
10 Money Tips from Mom
The advice you got from mother can help you get your finances
in order
Story Here - http://www.stretcher.com/brm/07/07may04b.htm
Shedding the World's Worst Credit Card
A credit card that costs $150 a year? Plus $6.50 a month? Plus
an interest rate of 25 percent? And a credit limit of $300?
Story Here - http://www.stretcher.com/brm/07/07may04c.htm
Loan Application Makes You a 'Trigger Lead'
If you apply for a loan, the credit bureaus will sell that
information to competing lenders almost instantly. Like it or
not, you'll be flooded with calls
Story Here - http://www.stretcher.com/brm/07/07may02a.htm
Rates Slide for I-Bond and Series EE Bond
The government trimmed both the adjustable and the fixed rates
on the inflation-fighting I-bond
Story Here - http://www.stretcher.com/brm/07/07may02b.htm
Is Ford Money Account Investment Safe?
You should check the company's credit rating and then decide
Story Here - http://www.stretcher.com/brm/07/07may08g.htm
Effects of a 'Hold' on Credit Card
The hold doesn't create any finance charges for your account
Story Here - http://www.stretcher.com/brm/07/07may07d.htm
Working with a 2/28 Mortgage
The idea is to improve your credit score before you refinance
Story Here - http://www.stretcher.com/brm/07/07may04g.htm
What to Do with Balloon on Horizon
You might as well refinance now because rates are relatively
attractive
Story Here - http://www.stretcher.com/brm/07/07may03d.htm
Down Payment Savings Strategy
A short-term reduction in retirement savings is acceptable,
but make sure your investment risk level matches your buying
schedule
Story Here - http://www.stretcher.com/brm/07/07may02c.htm
Jobs Report vs. Rates
For the overall economy, the jobs report brings bad news but
it could be good for mortgage shoppers
Story Here - http://www.stretcher.com/brm/07/07may04f.htm
Your Family
-----------
Helping a Desperate Sister
by Gary Foreman
She wants a new car. Can I get involved?
Story Here - http://www.stretcher.com/stories/07/07may14f.cfm
Creative Baby Keepsakes on a Budget
by Kimberly Danger
Simple ways to capture precious moments without spending a lot
Story Here - http://www.stretcher.com/stories/07/07may14h.cfm
Your Home
---------
Backyard Teen Retreat
Give them a good reason to stay at home
Story Here - http://www.stretcher.com/stories/07/07may14a.cfm
Storing Kid's Stuff
by Marlene Alexander
Story Here - http://www.stretcher.com/stories/07/07may14j.cfm
How to Hire the Expert Worker You Need
Depending on your level of skills or lack thereof, you'll want
to hire a pro for some jobs. But how do you select the best
one for you?
Story Here - http://www.stretcher.com/brm/07/07may08b.htm
Map: Home Price Changes in Top 20 Markets
Interactive map shows changes in house prices in 20 large
markets in 2006-2007, and in recent months
Story Here - http://www.stretcher.com/brm/07/07may03c.htm
7 Quick Fixes for Resale
Follow these tips to spruce up your home in no time
Story Here - http://www.stretcher.com/brm/07/07may04d.htm
Formula for Foreclosure
More than 1.1 million homeowners will lose their homes by 2014
because they can't afford the rising payments on their
adjustable-rate mortgages
Story Here - http://www.stretcher.com/brm/07/07may03b.htm
Your Food
---------
Beat the High Cost of Coffee Shops
by Jeff Guthrie
A former barista spills the beans!
Story Here - http://www.stretcher.com/stories/07/07may14c.cfm
Your Auto
---------
Leaky Air Conditioning
Ask Bob: The Auto Answer Man
Story Here - http://www.stretcher.com/stories/07/07may14e.cfm
Your Taxes
----------
Understanding the Kiddie Tax Rules
So long as you are age 18 in 2007, your capital gains
investment income will be taxed at your rates and not your
parents' marginal rates
Story Here - http://www.stretcher.com/brm/07/07may08m.htm
Excess IRA Contribution Rules Punish Savers
Excess contributions to an IRA are subject to an annual excise
tax of 6 percent of the over contribution, and the penalty
continues to apply until the year you withdraw the excess
Story Here - http://www.stretcher.com/brm/07/07may04n.htm
Cost Basis of Gifted Property
The basis in a gift is not the value at the time of the gift;
that stepped-up basis only applies to inheritances
Story Here - http://www.stretcher.com/brm/07/07may03e.htm
Tax-Deductible Home Improvements
The Internal Revenue Service often offers assistance to
homeowners remodeling, renovating and improving their homes
through a collection of tax incentives
Story Here - http://www.stretcher.com/brm/07/07may02d.htm
Reporting Foreign Property Gift
Gifts and bequests that exceed $100,000 in value (either cash
or property) from foreign individuals need to be disclosed on
Form 3520
Story Here - http://www.stretcher.com/brm/07/07may02e.htm
Everything Else
---------------
Stay-At-Home Vacation
by Jessica Snell
A quality vacation with all the comforts of home
Story Here - http://www.stretcher.com/stories/07/07may14d.cfm
Swap Unwanted Gift Cards for Ones You Want
Got gift cards you don't want? A number of Web sites let you
buy, sell or trade them
Story Here - http://www.stretcher.com/brm/07/07may08a.htm
Readers' Tips
Story Here - http://www.stretcher.com/stories/07/07may14t.cfm
From Dave Ramsey
----------------
Pay Off College Now or Wait?
Should Kathy pay off her student loans or put the money in an
account and do it later?
Story Here - http://www.stretcher.com/brm/07/07may08h.htm
Things to Know When Buying a Car
Story Here - http://www.stretcher.com/brm/07/07may08j.htm
The $25 Burrito
This has convinced me to use cash for those small purchases we
all make
Story Here - http://www.stretcher.com/brm/07/07may08k.htm
Stupidity Cost Me $247
If only Kathy had taken the time to get online and check her
benefits, she could have saved herself from this stupid tax
Story Here - http://www.stretcher.com/brm/07/07may04h.htm
Parents and Money
It may be hard to talk to your parents about money, but here
are some tips
Story Here - http://www.stretcher.com/brm/07/07may04j.htm
Is It Appropriate to Hold Giving
Steven wonders if giving to his church can be put on hold as
he gets out of debt
Story Here - http://www.stretcher.com/brm/07/07may04k.htm
Proud of Myself
I finally got everything paid off this spring and put a
massive chunk of my tax return right into savings. No more
credit cards, no more student loan!
Story Here - http://www.stretcher.com/brm/07/07may04m.htm
===========================================================
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