Category Archives: How To

10 simple ways to save money in tough times, #2 Use Coupons More

#2 Use Coupons More

For many things in life a coupon can be a great way to save a lot of money.  Grocery store coupons are usually small and not really worth it but there are plenty of big ticket coupons that save huge amounts of money, and these coupons can often be used with price matching to make for stellar results.  In this economy many businesses offer coupons and many of these coupons are just begging for you to come in the door.

20off100My favorite coupons are the ones where you spend a set amount at a store and then receive a dollar amount off.  Even better is when you can simply print these as you like.  For example the other day Cabela’s sent me a coupon for $20 off of a $100 purchase.  It was a coupon that could basically be printed as many times as you like.  The key to these coupons is to first price match, to get the best deal, or buy the things that are really on sale to start out with.  I bought Ammo, they had a great deal on it and they had it in stock which is rare, add that with $20 off makes the best ammo deal.  Staples, and OfficeMax also send them out via email, sometimes even $20 off a $50 purchase.  I also get them in the mail from time to time.  And when you don’t have one you can often use Google to find a valid one online.  I often thought about how easy it would be to print out 100 of these and sell them to people who are ready to check out for half of the face value, what an easy way to make money.  The key to the best deals is to always sign up for their free email newsletters.  GoDaddy has so many good coupons that I never buy from them unless I use one.

The next coupons that I love are the restaurant ones.  Many restaurants want you to visit them, at least once, so they give away coupons.  Many are buy-one-get-one-free.  You simply go there, order two entries and only pay for one.  My favorite of these is a small burrito restaurant near my house called Moe’s.  It is nice and upscale, and they send me at least 4 coupons each month in various publications, on top of that the food and environment is awesome.  It gets even better, I can go online to the Az Clipper website, find their coupon and print as many out as I like, and they NEVER expire.  So awesome!

I receive a ton of great coupons in the mail, this is where I get most of the good restaurant deals.   But there is much more than just restaurants that do this, there are dentists, auto repair shops, car washes and much much more that will let you bring a coupon and get a huge discount.

Almost every publication that sends out print coupons also has a website where you can download and print unlimited coupons for free.  Az Clipper is one of the best, but it is only in Arizona.  SavvyShopper is another good publication with national reach, their coupons are located at couponclipper.com.   Money Mailer and ValPak are national companies that send out lots of coupons in one envelope, and you can search and print all the coupons.  You can even do this for areas you don’t live in, great for traveling!

Another interesting site that I like is called 8coupons.  Basically they gather up all the deals they can find, including online circulars and post them in one place.  You video a map of your location and click on the deals to see what is there.  It does not have all of the best local deals but has many of the national chain and online deals.  It also has ton’s of really dumb things like listing dollar menu items from McDonalds or Burger King as a deal alert, those are the prices everyday with no coupon needed.

For the person who eats out a lot these links and ideas can really save you a ton of money.  I know more than one person who does not even buy much food for their home, they eat out almost every meal because it just is cheaper.  It also saves me money on oil changes, car washes, bowling and much more.

Thanks for reading please click a link below to see the other 9 ways to save money in tough times…

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10 simple ways to save money in tough times, #1 Price Match

Almost everyone I know right now is concerned about ways to save money and I have had many people ask me about ways to help them to save money.   So I decided to write a list of 10 ways that I use to save money, these work well and help me live better for less.

Of course saving money is only part of the formula to making ends meet, earning more money and investing your money correctly are also two major parts.   I think that everyone should have a reserve equal to at least a few months of expenses…more on all of this in my other blog entries.

So here are 10 ways that I know that can really help your budget, help you save, and help you get ahead in the world.  On some of these I will tell you exactly who I do business with, most of them are local so if you don’t live in Arizona than you are out of luck.  This may be a bit long so I am going to post it as 10 separate entries.  Please read them all, Even if you only do a few of these things it could really help.

1.    Price match all your purchases.

Many companies out there are very willing to price match.  Most people know about this but very few ever use it.  Basically most stores buy from the same supply chain and have basically the same cost so when one store has a huge sale, even if they sell it at or near cost the other stores are still happy to have the business.  So all you need to do is find the best deal on an item that you want to buy, and then show proof of that deal to the store you actually plan to buy the item at.  This lets you get the best deal, but still buy from the store that gives you better service and quality.

If you have an android based smart phone you can use ShopSavvy, a free program that will scan the barcode of the items you plan to buy and show you the best deal, locally or online.  If the local deal is better than what you are paying now simply show the phone as the cash register and you will get the lower price, it has worked every time I have tried it.  If the online price is much lower then forgo the purchase for now and get it online because most stores don’t pricematch online ads. I know that other apps for other phones also exist.  But the best deals are usually found the old fashioned way, by checking your mail and getting the newspaper ads.

For me the BEST result that I have when I go to Wal-Mart and get groceries.  For many households groceries is one of their main expenses other than housing and taxes.  The grocery business is highly competitive.  Companies also do things where they have loss leaders, this is an item that “leads” their advertisement, and it is usually such a good deal that they are actually selling it at a loss.  They figure that people will buy these few items from them and stay to shop for the rest of their weekly grocery needs.  Here in Phoenix, there are at least 8 grocery stores that mail out weekly flyers.   So I just put these in a stack and take it with me when I go to Wal-Mart.  They all seem to take effect on Wednesdays, so that is when I shop.  So just follow a few simple rules and let the savings begin.  The item does not always need to be exact, just similar.  There is a grocery store called “Ranch Market” here in Phoenix.  Shopping there is terrible, they are messy, noisy, smelly and the food is not so fresh, but they have great advertised prices, often they are 1/5 the price of other places.  So I don’t shop there, I just take their ads to walmart, less than 200 yards from my house and get their higher quality and cleanlness for the ultra low price.  Today I bought over $20 in fruits and veggies and paid only $6.42.    I went on to price match doritos, sour cream and 5 other things for a total savings of over $30, while paying only $24.  That is a savings of over 50%.  Combine this with stocking up and you have a great way to save lots of money on food.

Price matching also allows you to buy things that are out of stock at the original company.  The other day one store did 32oz Gatorade for only 40 cents, a very good price, the problem is that they were out of stock after the second day, and they had a limit of only 5 per person.  Not a problem at Wal-Mart, they had plenty in stock and did not care about the limit.  It does not really go bad, so I bought enough for a 6 month supply.  At thanksgiving they did the same thing with 12-pack coke products, just $1.25.  I still have 30 unopened a month later.

On top of price matching you can use coupons, but personally I found that most coupons are not worth the time they take.  For me price matching is very simple.  I usually don’t prepare much, I don’t even look at the ads until I am at the Wal-mart, and then I only buy things that are on sale.  And I stock up on items that are on a huge sale. By doing these things I have found that I am able to save over 50% off of my grocery bill on average.  That comes down to $200 or more per month.

Thanks for reading please click a link below to see the other 9 ways to save money in tough times…

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How to take care of your laptop.

I have been in the computer business for a very long time and one of the most common questions I have ever received was from people asking about how to take care of their laptops better.  Here is a list of some of the things I tell them.  With this list you should get many more years of life from your laptop.

I have mostly gathered this list from trying to fix many broken laptops and looking at why they are broken, and how it was caused.  Yes you do need to baby them a bit, but not too much.

The screen.

The screen is a very high tech, very thin and fragile thing.  Of course we have all seen the guy who drops his laptop and cracks the screen, that can not always be avoided but there are many other things that cause damage to the screen.

The first one is the keyboard, when you close the screen on most laptops made before 2008 the screen touches the keyboard.  This was not a problem years and years ago because the screens were matte but with the shiny polish that most modern screens have the oil from your skin is transferred from your hand to your keyboard and then to the screen, and it burns little holes in the polish, causing damage forever.  In 2008 it seems that laptop designers noticed this and most laptops moved the screen farther from the keyboard, so they don’t touch.  To fix this many other makers would give you a cloth to put between the screen and the keyboard.  If you don’t have one you can make one yourself out of any semi rigid cloth.

The next common problem is the fact that the screen is not too strong and that pressure can hurt it if it is applied in enough force in one place.  Many people hold their laptops when closed by putting their thumb on the screen and then holding it like a book.  This causes a lot of pressure in a very small area.  I have had at least 5 clients crack their screen this way, and countless others cause damage to the backlight causing a region of their screen to be much darker than the rest.  Please avoid this, try to always hold the laptop with two hands, and when you can’t then please remember to always put your thumb on the bottom side of the laptop so that your firngers will be on the screen side and spread out the force.

The next common problem of long term use is a weak hinge.  This is very annoying because the screen does not stay in place and moves around when you don’t want it to.  This is often caused by people twisting their screen, usually they have a bad habit of opening and closing their screen with one hand, and they do it on one side of the screen.  Just like putting on and off glasses, over time this makes them twisted and loose.  The solution is simple, just open and close it from the middle, or use two hands.  Over a few years this habit will make a huge difference.  The other main reason that a hinge gets loose or broken is when people close their laptop when something is inside.  People create the bad habit of putting ink pens at the bottom of the screen, or they may put it in their bag and a wire gets in the wrong place.

The last screen problem I will talk about is the problem of too much weight.  Be sure to keep your laptop in a nice protected bag, and then don’t stack too much weight on this bag, it is best to always stand your laptop bag up on edge when moving it, and be sure to not pack things in the bag that could focus the pressure on the screen.  One major cause of this problem is the power adapter, it has this large brick like AC/DC converter that you lug around.  You put the laptop in the bag, then the converter on top of it and bam, enough pressure and it damages your screen.  The solution is to always put your laptop in the bag in such a way that the bottom of the laptop is towards the converter.

The Battery and power system

The largest failure of laptops seems to be the battery and power system.  Some simple good habits can really extend the life of your laptop.

First the battery.  Laptop batteries (And cell phone batteries) are Lithium Ion and this battery type does not form a “Memory” like the older NiMH batteries of the past.  You do not need to drain them completly to keep them working at full power, in fact this damages them.  In fact is it best to never let them get under 10% full.  Try to keep them plugged in as much as you can.  Of course laptop makers don’t want you to know this, they make a large amount of money off of selling new batteries, so they program the laptop to try to totally discharge the battery.  This is done with “Stand By” (Aka “Sleep”) mode in windows.  What stand by does is to turn off most everything in the computer and just use a little power to run the RAM.  The allows you to “boot” up in a matter of a second and start using your laptop.  It is a great idea in concept, allowing you to hit a button and be up and running.  You will know your computer is in stand by when the power light is flashing.  The problem is that the default configuration for every laptop I have seen, and the way that windows itself installs the operating system is to have your computer go to stand by for everything, even when you hit the power switch.  This makes you think that you turned off your laptop and you put it away.  Then when you open it up the next day to use it you find out that your battery is totally dead, your battery totally discharged.  Do this a dozen or so times and you just killed your battery.  The solution is to go to windows power options and make it turn off your computer when you hit the power button.  There is another great feature in windows called hibernate.  This feature takes your current info that is in RAM, saves it to the hard drive, and then turns off the computer.  When you turn it on it simply reloads this saved data.  It takes about 10 seconds to load.  I love it and make it the default setting on every computer I work on or own.  Here are the power settings that I use.power options

You will also notice that I have it do nothing when I close the screen.  I do this because when I move from one location to another in my house I just close the screen and don’t want it to do anything to mess up what I am working on.  I have a good habit of always hitting the power button before I turn it off.

I live in Arizona and another problem that I have seen is when people leave their laptop in their car during the day.  It it hot enough outside, but air trapped in the car can climb to over 170 degrees, baking your laptop.  Most of your laptop is ok with this, except for the chemicals in your battery.  It does not do major damage just once but over time it can really add up to a dead battery.  I have no experience with cold, but I doubt it would be very good for the LCD screen.

The next huge problem is the jack where the power plug goes into.  They are just a small plastic thing, usually just soldered on to the motherboard, or, if you are lucky, ran to the motherboard with a wire.  The problem is that you have this wire sticking out of them, bump the wire, pull on the wire, or just use it a lot and it breaks inside the laptop.  It is a difficult and costly repair job.  Some laptops have a much better design than others, but most will still fail with a huge pull to the wire.  My solution to this is that I never move the laptop when the plug is plugged in.  I just unplug it, move the laptop, then plug it in again after I moved it.  I do this almost every time I get up.  If the kids enter the room I unplug it, just in case.  And I now only like to use laptops that plug in on the side.  When you plug into the back it is just too hard to use it on your lap in bed without pushing against the back.  The best laptops have NOTHING that plugs into the back of the laptop.  My last two have been like that, and I totally love it.

Of course you also gotta keep the wire itself safe.  Doing the above things will help in that, also don’t wrap the wire too tight when you put it away.  I usually don’t wrap it at all, it makes too much of a bulge in the bag, I just stuff it in.

If you always leave your laptop plugged in, on a desk, then remove the battery.  On some laptops it always tries to charge the battery and could cause damage from over charging.  On most modern laptops this is not a problem because the battery reports to the computer when it is full and the computer stops trying to charge it.

Other Problems

Another problem is with the Fan on the bottom of many laptop.  People set their laptop on something plush and the fabric stuffs up the fan.  If it is furry then often the fur may even go inside of the laptop and clog up the cooling system.  Most laptops use very unique fans, making a replacement costly and hard.  Dust and dirt is also a common fan clogging problem.  If you are unlucky enough to have a laptop with a fan on the bottom then keep it in mind when you are working.

Of course, as with any electronic device, be careful with food and liquid.  They can really fry the laptop.  If you do spill something on the laptop, please unplug it and take out the battery as fast as you can.  It can’t really damage circuits too bad if no electricity is flowing though them.  Then you can let it dry, maybe a week or more, and it may work.  Take it to a professional first. Here is an old but correct video.

I clean my laptop about once a month with a soft cloth and rubbing alcohol.  It works really week, and keeps it looking and feeling great.  You can clean the screen directly with light pressure, and it works awesome on the keyboard.  On some screens you need avoid alcohol, and just use distilled water.  I like alcohol because it evaporates quickly.

You, or someone paid a lot for your laptop, respect it and treat it nicely and it will last much much longer for you.

Theft by technology.

For years now my printer of choice has always been a laser printer.  I like the faster speed, more quiet printing and the quality of the output.   The drawback of any printer is that it needs to use ink or toner.  Companies know that you need it, and they also know that they can make a cartrage that works perfect stop working by design.  Designing a way to make something stop working is one of my most hated things in the world.

HP is by far the worst offender at this.  They design their printers to count the pages, and then stop working when they reach a specific number and force you to buy more ink, even if your cartage works perfect they make it stop working by putting a chip on it that tells the printer that is has printed enough pages, even if it is still half full.  This makes is almost impossible to refill or even recycle the cartridges, they simply need a new chip that can only be had from HP.  Lexmark recently sued a company that made chips that worked with their printers.    In Europe these chips are ILLEGAL, because it blocks recycling.

For this reason I have avoided all HP printers for many years.  So I have this trusty brother printer.  It was a really good deal and prints fast and with high quality, but today it stopped working.  It flashed the toner light, and said toner low.  I was just finished with a print job and it worked perfect, nice and perfect then all of a sudden it stopped.  I had to print something really important so I kept turning off and on the printer, I even took out the toner a few times and it would power up and do a test then say flash the toner light.  After I while I decided to search the web and after a ton of research I found that other people were able to fix this.

brother-hl-2140-toner
How brother steals your money

It is so simple.  Look at the photo, in the center there is a hole, the printer shines a light into this hole, it bounces off of a mirror on the other side and then a detector will tell you the toner is bad if it sees light.  But as you can tell the whole is rather high up.  So you could have toner for 100’s more pages left in there.  So I simply took a black sticker, folded it up and blocked the whole, and guess what, my printer prints perfect now!

I know that they are out there to make a buck, they don’t make money on the printer, but they sell the toner cartridges for WAY too much money to compensate.  They design them to fail and this makes them last much less.   This makes the cartridge cost more, due to the added complexity of the mirror and lens.  It makes the printer cost more to make.  It even makes them put more in the landfills.  But it lets them sell many more cartridges.  At least brother is easier to fool than HP.

If you are reading this because you have the same problem I know this will help.  I would ask that you let me know that this helped you by posting a reply, it is easy and free.

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