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Archive for April, 2013

I am Getting a Financial Windfall

Recently, I found out that I will be getting a financial windfall.  Apparently several years ago (as in almost 20), there was a mistake with social security withholding during graduate school.  There ended up being audits and court cases, etc.  I simply provided some information that confirmed I was indeed a student at the time and gave the auditor permission to handle the rest.  I think the IRS got involved.  This all started several years ago.

Well, I got notice that I would be getting a check toward the end of this month.  Assuming that I actually see it, the amount is not all that small.  The money was actually put in escrow in an interest bearing account and actually doubled during the time that this has been going on.

Plans for the Money

Needless to say, the money will come at a good time.  I am working on paying off debt and feel that I am in a good frame of mind to be able to accept this money and not do anything stupid with it.  I plan on using the funds (since they weren’t expected) to pay off one of my credit cards and to pay the property taxes on the commercial building that will be coming due in May.

This will help me keep on track with my goal to eliminate consumer debt in another 34 months and provide some extra cushion so I don’t have to scramble for the tax money.  The timing couldn’t be better.

It is about time for some good news.



It has been forever since I linked to the carnivals that have featured my blogs so here goes:

Carnival of Retirement #60 – PT
Carnival of Financial Camaraderie #71 – GPM, CFM, PT
Finance Carnival for Young Adults   – GPM
Carnival of Financial Camaraderie #72 – PT
Yakezie Carnival – CFM
Lifestyle Carnival – PT
Carnival of Money Pros – GPM, PT
Carnival of Retirement #63 – PT
Carnival of Retirement #64 – GPM
I have been incredibly busy at work during the week and going to gymnastics meets on the weekends with state and regionals.  Finally, though, I should now have some more free time.  I need to help get the basement cleaned.  Ugh!
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12 comments - What do you think?  Posted by Cash Flow Mantra - April 10, 2013 at 8:35 am

Categories: Spending, Credit/Debt   Tags: , , ,

Apple vs PC — What Should You Buy?

We spend approximately eight hours of our day staring at screens—whether it be the screen of our smartphone, our television, or our computer. Over our lifetimes, that’s roughly 30 years—longer than most marriages. Considering how much time we spend with our computer, the process of choosing The One starts with one basic question: Apple or PC?


Some say that once you go Mac you never go back. Others complain about the significantly less budget-friendly Apple empire. Of course, there are advantages and disadvantages to both. Here’s a quick list of things to consider when committing to your computer.



If you want a MacBook Pro, it will come as an all-Apple package—Apple hardware, Apple software, Apple everything. Microsoft, however, partners up with various companies to bring you your PC. There are Dell, Asus, Toshiba, and Samsung varieties of PCs, just to name a few, giving you many more options to choose from.


The trend doesn’t stop with computers. It’s in the smartphone world as well. If you want an Apple phone, there’s one option: the iPhone. If you want a phone that runs Microsoft software, you can choose from Nokia, Samsung, HTC, Huawei…the list goes on. Microsoft simply provides much more choice.




There are not only a lot more customization options with PCs, they’re also cheaper. You can inexpensively get a one-or-two terabyte hard drive put into your PC, versus the steep $700 it costs to upgrade your Macbook hard drive from 256 to 768 gigabytes. For the most part, Apple computers will be more expensive for comparable tech specs most of the time.


However, with the laptops of the moment—the PC ultrabooks and the MacBook Air—the prices are beginning to even out.


The tech world is trending towards thinner, smaller, and faster at the expense of the CD/DVD drive. The ultrabooks and Apple’s MacBook Air are both on the pricey side of the spectrum, but are a worthwhile investment for their lightness and efficiency. You can substantiate some of the high price tag by selling your old CDs and DVDs on sites like musicmagpie.com.




Since you are spending so much money, you may want to make sure it’s going to a responsible company.


Apple is part of EPEAT, the environmental ratings system for electronics, and is consistently ranked highly as environmentally friendly technology. However, Apple has never made it onto the list of the World’s Most Ethical Companies—which Microsoft has done consistently for the last few years.

While Microsoft maintains a blog on its corporate and ethical responsibility, Apple is notoriously secretive about its inner workings, and suffered some bad press in 2010 when eighteen workers at Foxconn-outsourced factories in China attempted suicides, allegedly due to 76-hour weeks. Microsoft seems to win the ethics contest.


Personal Preference


Whatever you prioritize when choosing your computer, go with your instinct for what will suit you best. Remember, you’re the one that will be stuck with either the Apple or the PC! When it comes down to it, what’s most important is that your new computer is one you’re happy with.

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12 comments - What do you think?  Posted by Cash Flow Mantra - April 3, 2013 at 10:10 am

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