Something On My Mind

What would you do with $1.2 billion? The Mega Millions just had its largest winner ever.

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This week we talk about how there are a record number of weddings in 2022 and the people attending them are going broke

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We field a question on the Internet from a 26-year old pharamcist who is making $100K per year and has $113,000 in student loan debt. He has $5,600 in monthly net income and puts $4K to his debt payments. He wants to buy a house. Is he broke? What should he do in his financial planning?

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If you have a dog and a fenced-in yard, this helps your furry companion with better overall health as it provides him the ability to be outdoors, exercise and have a consistent marked territory.

On the other hand, if you do not have a fenced yard, this is where the invisible fencing comes into play. Other than the shock factor that your pet will adapt to, this is a fantastic option.

This has been a common choice for pet owners for many years; however, the cost for a system is expensive as it averages $1,200 from my research.

The main difference is choosing between the wired and wireless option. The wireless is more expensive and they can be harder to set especially with pro installation and wires can break and be difficult to fix due to tree roots and underground obstacles.

The biggest hurdle for the wireless is that it may have difficulty tailoring to the shape of the yard’s boundary.

So what choice do you make? To me, wireless is the best option.

It is less expensive

You can adjust the boundary settings with a turn of a dial

You can take the system to any location, plug it in and you are ready to go

As for me, I found a refurbished system for $250 from a reputable company. I set up the flags and my dog was trained by the second day. In addition, I have an acre of land and have not incurred an incident with boundary limits and my dog couldn’t be happier.


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This week we wish Bobby Bonilla happy birthday for his annual contract from the New York Mets where he receives $1.92 million for 25 years that comes to $29.8 million. His original buyout was $5.9 million; however, compound is also his best friend. No doubt that he has a great agent.

We also talk about the stat that 30% of people are living paycheck-to-paycheck that have a $250,000 household income.

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According to Aghires, Over 74 million Americans grilled out for the 4th of July. Of this food, burgers will be cooked by 85% of people, steak 80%, and chicken 73% and not to mention, 150 million hot dogs.

When it comes to grilling, 61% of people choose propane and 49% for the charcoal purists according to statista.com

Now that we’ve had some heat on this topic, the last thing that you want to do is run out of propane when you're in the middle of dinner preparation.

A common question is . . . how do I determine when I need to refill my tank? Instead of shaking it, there is a simple solution to this. Bring a pot of water close to a boil and then pour it over the tank.

This creates a physical reaction between the hot water on the tank surface and the propane inside your tank.

Hence, putting your hand on the tank and where it becomes cool determines how much propane is remaining and you can decide when you need a refill.

The bottom line is that a standard 20 pound tank is around $20 so leaving less gas behind won’t save you much money; however, it can save you from future aggravation.

In my case, it keeps heat going on the grill rather than the heat coming from my wife.

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This week we discuss what makes a bargain hunter and restaurant rip offs from workers in the field. In the roundtable we talk about waitstaff mishaps and generous tipping.

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When it comes to using a couch, sofa or chair, many people simply use it and do not think about maintenance; however, this may leave you with furniture that wears out prematurely.

So to avoid this, let’s go through some tips:

1. Rotate and fluff seat and back cushions regularly. This simply extends the life of the furniture

2. Rotate identical upholstered accent and dining room chairs when one or more of them are not used regularly. This will extend their life even further

3. Vacuum furniture with an upholstery attachment on a regular basis

This will prevent the cushion core from wearing prematurely, will preserve the fabric color and control welt slippage.

Although dust may not be apparent, it settles into your upholstery and may not only make it dirty, but may eventually damage the fibers if not removed.

Remember, If you think that your furniture is clean, just bang your hand on the cushions in the sunlight and you'll have hundreds of particles floating in the air.

The bottom line is that this is not your typical personal finance tip; however, when the rubber meets the road, life is all about math and money. Hence, take care of your things and they will take care of your pocketbook.

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In this episode we discuss the things that clean things with your appliances. If you don't handle the regular maintenance repairs or replacements can cost you hundreds to thousands of dollars over time.

In the roundtable we discuss how people get pre-mad about things or events people attend them or talk to people.

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How many times have your rugs been stained with wine or food or they are just dirty.

What about pets peeing or pooping on the rug? It is probable that it has happened to all of us seeing that there are approximately 160 million dogs and cats in the United States.

This is where a company called Ruggable comes into play. What they have over other r ugs is that they are washable. They have a thin carpet layer made of mainly polyester with a rubber mat underneath.

From our research and own experience, these rugs are easy to install and they don’t shift. When it comes to washing them, 3’ X 5’ and 5’ x 7’ rugs fit into the washer nicely. If you have a larger size they can fit depending on the load capacity.

In terms of cost, they are comparable to Target and World Market; we paid $338 for ours.

In terms of how they feel you will not get a plush, padded option, so try plush or shag-style rugs if that is your preference.

As for the environmental impact, these rugs are made from polyester meaning that they derive from petroleum, so this is not an eco-choice.

On the other hand, if you can reduce the amount of rugs that you have to replace over time, then less material reduces the overall carbon footprint.

The bottom line is that these rugs have been a long awaited choice that will save you money over time. There’s nothing like coming home from a long day or trip to find that your dog left a special present for you.

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