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	<title>Clever Dude Finances &amp; Life</title>
	
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	<description>Family, Marriage, Finances &amp; Life</description>
	<pubDate>Mon, 07 Jul 2008 11:09:46 +0000</pubDate>
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		<title>“A Million Bucks by 30″ Book Review and GIVEAWAY!</title>
		<link>http://feeds.feedburner.com/~r/cleverdude/~3/328788717/</link>
		<comments>http://www.cleverdude.com/content/a-millions-bucks-by-30-book-review-and-giveaway/#comments</comments>
		<pubDate>Mon, 07 Jul 2008 06:55:10 +0000</pubDate>
		<dc:creator>Clever Dude</dc:creator>
		
		<category><![CDATA[Debt]]></category>

		<category><![CDATA[Finances &amp; Money]]></category>

		<category><![CDATA[Frugality]]></category>

		<category><![CDATA[Investing]]></category>

		<guid isPermaLink="false">http://www.cleverdude.com/?p=907</guid>
		<description>Copyright © 2006-2008 Clever Dude. All Rights Reserved. Imagine you look like Shaggy from Scooby Doo, just graduated college, and you got a job in the most expensive city in the country. What would you do first?
If your answer is to get an apartment at the top of your budget (if you even have a [...]&lt;script type="text/javascript"&gt;SHARETHIS.addEntry({ title: "&amp;#8220;A Million Bucks by 30&amp;#8243; Book Review and GIVEAWAY!", url: "http://www.cleverdude.com/content/a-millions-bucks-by-30-book-review-and-giveaway/" });&lt;/script&gt;</description>
			<content:encoded><![CDATA[Copyright © 2006-2008 Clever Dude. All Rights Reserved. <p><a href="http://www.amazon.com/gp/product/0345499727?ie=UTF8&amp;tag=cleverdude-20&amp;linkCode=as2&amp;camp=1789&amp;creative=9325&amp;creativeASIN=0345499727"><img class="alignright" style="border: 0pt none; float: right; margin-left: 2px; margin-right: 2px;" src="http://ecx.images-amazon.com/images/I/51diLdr-2tL._SL160_.jpg" border="0" alt="" /></a>Imagine you look like <a href="http://en.wikipedia.org/wiki/Shaggy_Rogers">Shaggy from Scooby Doo</a>, just graduated college, and you got a job in the most expensive city in the country. What would you do first?</p>
<p>If your answer is to get an apartment at the top of your budget (if you even have a budget) in a &#8220;safe&#8221; area of the city, go deep into credit from shopping, and live it up every night in a club, well then you&#8217;re nothing like author <a href="http://www.alancorey.com/">Alan Corey</a>.</p>
<p>Rather than do all those things, Alan lived in, well, <strong>near poverty</strong>. He ate Ramen, lived in Spanish Harlem, had a half-dozen roommates (at one time), stayed in a windowless office/bedroom, and got gigs on reality TV shows, but all for a single goal.<strong> He wanted to be a millionaire</strong>. And guess what. <strong>He is a millionaire now</strong>. And then he wrote a book about it: &#8220;<a href="http://www.amazon.com/gp/product/0345499727?&amp;camp=212361&amp;linkCode=wsw&amp;tag=cleverdude-20&amp;creative=380793" target="_blank">A Million Bucks by 30</a>&#8221; (affiliate). A very funny and entertaining book, I might add.</p>
<p>I want to say quickly, though, that this is NOT the same book as &#8220;Millionaire by Thirty&#8221; (you can see THAT not-nearly-as-good <a href="http://www.cleverdude.com/content/book-review-millionaire-by-thirty/">review here</a>). Simply due to their similar names and subject matter, I&#8217;m going to do a few comparisons between the two books to illustrate&#8230;</p>
<h3>Why &#8220;A Million Bucks by 30&#8243; is a <span style="text-decoration: underline;">MUST BUY</span></h3>
<p>First, I&#8217;ll use the following acronyms for the two books:</p>
<p><strong>AMBB30 </strong>= &#8220;A Million Bucks by 30&#8243;<br />
<strong>MBT </strong>= &#8220;Millionare by Thirty&#8221;</p>
<p>So the one main issue I had with MBT was that Douglas Cameron wrote it as a father highlighting his sons&#8217; miraculous path to becoming millionaires, but without many, if any, realistic examples that a &#8220;normal&#8221; 20-something could use to pattern their own path after. But in AMBB30, <strong>Alan lays his entire post-college life out for you</strong> to see his methods to saving, investing and earning.</p>
<p>Now not everyone needs to live in poverty to become a millionaire by 30 (or 28 in Alan&#8217;s case), but if you&#8217;re not making much in your city, but want extra income for investments and savings, then you&#8217;ll need to cut out unnecessary expenses. Some of us can&#8217;t stand living with another person, or absolutely need a nutritious diet plan, but honestly, <strong>rich people don&#8217;t become or stay rich by blowing their money</strong> (well, unless they are super-rich).</p>
<p>For another comparison, in AMBB30, Alan explains how he arrived at his various decisions about real estate investments, including &#8220;lucky circumstances&#8221;, so that you can see more about how some of these seemingly amazing deals actually go down. in MBT, however, the examples aren&#8217;t very transparent and you, the reader, are often left wanting for much more information. In MBT, Douglas throws around buzz phrases and writes like a late-night infomercial while Alan is blunt, up-front and to-the-point.</p>
<h3>Final Recommendation</h3>
<p>If you&#8217;re in your teens, twenties, thirties or maybe even forties, I highly recommend &#8220;<a href="http://www.amazon.com/gp/product/0345499727?&amp;camp=212361&amp;linkCode=wsw&amp;tag=cleverdude-20&amp;creative=380793">A Millions Bucks by 30</a>&#8220;. The book is currently selling for only $11.xx on Amazon, which is a good bit less than MBT (but Alan recommends borrowing it from the library, of course). And even if you&#8217;re not interested in Alan&#8217;s methods (like investing in real estate), the book is at least an entertaining read. In our case, I know Stacie wouldn&#8217;t be up for renting out a room or living on Ramen (she IS a dietitian), but just reading the book <strong>helps reinforce common frugal practices, networking and basic investment principles</strong>.</p>
<p>So consider borrowing or buying the book, but first&#8230;</p>
<h3>Enter to Win a Copy of &#8220;A Million Bucks by 30&#8243;</h3>
<p>Entering this contest is very simple: <strong>Leave a comment on this article by Thursday, July 10th, 2008 at 6pm Eastern.</strong></p>
<p><strong></strong></p>
<p>Come back on Friday to find out if you won. Even better, you can <a href="http://feeds.feedburner.com/cleverdude">subscribe to my RSS feed</a> or <a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=634951">email newsletter</a> to find out automatically!</p>
<h3>Contest Rules</h3>
<ul>
<li>I will only ship to the continental U.S. states (sorry Hawaii and Alaska)</li>
<li>I will ask for your name and address for shipping, but I promise to destroy the information and never sell/share it</li>
<li>Void where prohibited by law</li>
<li>You can only enter ONE TIME. If I draw your name and see you&#8217;ve entered already, I&#8217;ll delete your entry and redraw.</li>
</ul>
<p>Now comment! This is the most frugal way to get this book. It&#8217;s even delivered right to your doorstep!</p>
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		<title>Weekly Roundup: PFN Edition</title>
		<link>http://feeds.feedburner.com/~r/cleverdude/~3/326641182/</link>
		<comments>http://www.cleverdude.com/content/weekly-roundup-pfn-edition/#comments</comments>
		<pubDate>Fri, 04 Jul 2008 13:22:10 +0000</pubDate>
		<dc:creator>Clever Dude</dc:creator>
		
		<category><![CDATA[Finances &amp; Money]]></category>

		<guid isPermaLink="false">http://www.cleverdude.com/?p=906</guid>
		<description>Copyright © 2006-2008 Clever Dude. All Rights Reserved. Something you may see many other personal finance bloggers do is a weekly article roundup. These roundups highlight the blogger&amp;#8217;s favorite articles from across the PF blog world for the past week. Well I haven&amp;#8217;t done one in a very long time, if ever, because I&amp;#8217;m just [...]&lt;script type="text/javascript"&gt;SHARETHIS.addEntry({ title: "Weekly Roundup: PFN Edition", url: "http://www.cleverdude.com/content/weekly-roundup-pfn-edition/" });&lt;/script&gt;</description>
			<content:encoded><![CDATA[Copyright © 2006-2008 Clever Dude. All Rights Reserved. <p>Something you may see many other personal finance bloggers do is a <strong>weekly article roundup</strong>. These roundups highlight the blogger&#8217;s favorite articles from across the PF blog world for the past week. Well I haven&#8217;t done one in a very long time, if ever, because I&#8217;m just too lazy.</p>
<p>But now that I&#8217;m in the <a href="http://www.cleverdude.com/content/introducing-the-personal-finance-network/">Personal Finance Network</a>, I sort of have to do a roundup, which is a good thing because I&#8217;ve wanted to give out more links to my fellow money authors. So this first roundup will just include the PFN, while future roundups will include all other writers.</p>
<h3>The Roundup</h3>
<ul>
<li><strong>Squawkfox</strong> shows us a new tool she created to <a href="http://www.squawkfox.com/2008/07/01/tool-gas-mileage-calculator/">calculate gas costs</a>, and if you want to know what the Fox sounds like, she made a little <a href="http://www.squawkfox.com/2008/07/02/video-how-to-use-the-gas-mileage-calculator/">video tutorial</a>. Just yesterday, I was thinking that we needed an easier way to show drivers, while in-car, how much they&#8217;re spending on each mile. Well, this gets us one step closer.</li>
<li>Mr. Cheap from <strong>Quest for Four Pillars</strong> writes about <a href="http://www.four-pillars.ca/2008/07/04/real-estate-arbitrage/">Real Estate Arbitrage</a>. If I was younger (or single), I&#8217;d consider this method, but now I&#8217;m responsible for another&#8217;s welfare (Stacie&#8217;s) and have to consider her in each decision. Oh, and I can&#8217;t make decisions by myself anymore.</li>
<li><strong>MoneyNing </strong>thinks we <a href="http://moneyning.com/money-beliefs/our-thinking-of-money-matters-is-way-too-complicated/">complicate money matters too much</a>. Click through to see what his answer to simplifying your finances.</li>
<li><strong>Blunt Money</strong> has realized the error of her ways in giving her child everything he wants at the grocery store, and is <a href="http://www.bluntmoney.com/you-can-get-one-thing/">just allowing ONE item</a>.</li>
</ul>
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		<title>Selling books and Borrowing wheelchairs</title>
		<link>http://feeds.feedburner.com/~r/cleverdude/~3/325832051/</link>
		<comments>http://www.cleverdude.com/content/selling-books-and-borrowing-wheelchairs/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 14:22:13 +0000</pubDate>
		<dc:creator>Clever Dude</dc:creator>
		
		<category><![CDATA[Finances &amp; Money]]></category>

		<guid isPermaLink="false">http://www.cleverdude.com/?p=905</guid>
		<description>Copyright © 2006-2008 Clever Dude. All Rights Reserved. Selling Books
We have too many books. Not nearly as many as some people I&amp;#8217;ve spoken to, but too many to fit nicely on our bookshelves. We haven&amp;#8217;t bought many books recently (we just don&amp;#8217;t have time for leisure reading anymore), but we have a lot of books [...]&lt;script type="text/javascript"&gt;SHARETHIS.addEntry({ title: "Selling books and Borrowing wheelchairs", url: "http://www.cleverdude.com/content/selling-books-and-borrowing-wheelchairs/" });&lt;/script&gt;</description>
			<content:encoded><![CDATA[Copyright © 2006-2008 Clever Dude. All Rights Reserved. <h3>Selling Books</h3>
<p>We have too many books. Not nearly as many as some people I&#8217;ve spoken to, but too many to fit nicely on our bookshelves. We haven&#8217;t bought many books recently (we just don&#8217;t have time for leisure reading anymore), but we have a lot of books from our college days. Well I decided to <strong>sell some books</strong>!</p>
<p>I posted the list of about 2 dozen books on <a href="http://www.craigslist.org/">Craigslist</a> a few weeks ago for $75. Well no takers. I reposted a week later for $50, then $40, and finally $30. I got a bite! A woman was interested in the <strong>box of sci-fi/fantasy books</strong> (with some other fiction thrown in) for the $30 asking price.</p>
<p>Before she showed up this morning (we took the day off), I decided to stack up about a dozen other books to see if she wanted any of them. They were Nutrition, Accounting, Biology, English textbooks, nonfiction and just other random books we don&#8217;t need anymore. I was going to let her have them for free.</p>
<p>When she showed up, she saw the other stack and asked if she could have all of the books (about 3 dozen) for $40. I was happy to just get rid of all these books!</p>
<p><strong>My suspicion is that she sells these books online</strong>. She was just too willing to take books without even looking through them. But although I could also try selling each one online, I just don&#8217;t want to deal with posting and shipping each one, especially the heavier textbooks. And before you ask, the textbooks are about a decade old. They&#8217;re not in use in any classroom anymore, but I&#8217;m sure many people would still find them useful.</p>
<h3>Borrowing a Wheelchair</h3>
<p>With <strong>my whole family (4 adults, 2 kids) coming down this weekend</strong>, we were planning on hitting the National Mall and checking out the museums on Saturday, and then checking out the monuments at night (highly recommended). <strong>My gram had a stroke about 2 years ago</strong>, and while she&#8217;s still mobile, she&#8217;s never really been in shape and combine that with her stroke and we know she just wouldn&#8217;t be able to keep up. And I refuse to let her sit around by herself in the middle of DC.</p>
<p>So I decided to look into <strong>renting a wheelchair</strong>. However, I found that no one wants to rent for less than a week, and the cheapest price was <strong>$75</strong>. We only need it for a day or two, so $75 was just too much.</p>
<p>So then I realized I can <strong>ask my fellow Rockvillians</strong> (or whatever we&#8217;re called here in Rockville) via <a href="http://www.freecycle.org/">Freecycle</a>. If you recall, I&#8217;ve been pretty lucky with Freecycle in my few transactions, especially with the <a href="http://www.cleverdude.com/content/freecycle-rocks-guess-what-i-got-for-free/">Garmin GPS</a>. But I&#8217;ve only responded to postings; I&#8217;ve never posted a WANTED or OFFER listing.</p>
<p>I posted a &#8220;WANTED: Wheelchair to borrow&#8221; on Wednesday morning, but it didn&#8217;t post until about midnight for some reason (they are moderated). B<strong>y 9am, I got 3 offers to lend out a wheelchair</strong>, and one of the offerers asked &#8220;how did you get a &#8216;borrow&#8217; to get through the moderator?&#8221;. I couldn&#8217;t find anything in the rules about borrowing, but perhaps that&#8217;s why it took a while.</p>
<p><strong>By 10am I was back home with a fully-functional, folding wheelchair</strong> (no footrests though). Awesome!</p>
<p>The odd thing was someone else posted a &#8220;WANTED: Wheelchair&#8221; listng at the same time as me. After never seeing any wheelchair postings since joining, they had 2 in one day. I guess someone else has the same idea as me.</p>
<p>So <strong>yet another reason to join Freecycle.org</strong> in your area. People are not only more than willing to take your stuff for free, but they&#8217;ll also lend or give you things when you need it! And it saved me $75 and a lot of grief!</p>
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		<title>Graduate School: Change of Plans</title>
		<link>http://feeds.feedburner.com/~r/cleverdude/~3/325524610/</link>
		<comments>http://www.cleverdude.com/content/graduate-school-change-of-plans/#comments</comments>
		<pubDate>Thu, 03 Jul 2008 06:11:13 +0000</pubDate>
		<dc:creator>Clever Dude</dc:creator>
		
		<category><![CDATA[Finances &amp; Money]]></category>

		<guid isPermaLink="false">http://www.cleverdude.com/?p=904</guid>
		<description>Copyright © 2006-2008 Clever Dude. All Rights Reserved. When I was accepted to graduate school a year ago, I had an ambitious plan to finish the degree in 2 years. That means 4 semesters of 2 classes and 2 summers of 1 class. The whole program is 10 classes (30 credits).
After completing 4 semesters, and [...]&lt;script type="text/javascript"&gt;SHARETHIS.addEntry({ title: "Graduate School: Change of Plans", url: "http://www.cleverdude.com/content/graduate-school-change-of-plans/" });&lt;/script&gt;</description>
			<content:encoded><![CDATA[Copyright © 2006-2008 Clever Dude. All Rights Reserved. <p>When I was accepted to graduate school a year ago, I had an <strong>ambitious plan to finish the degree in 2 years</strong>. That means 4 semesters of 2 classes and 2 summers of 1 class. The whole program is 10 classes (30 credits).</p>
<p>After completing 4 semesters, and halfway through this summer&#8217;s semester, I&#8217;m changing my plan. I had to register for fall classes last week, and rather than two classes, I <strong>decided to just take 1 class in the fall.</strong></p>
<p>Honestly, <strong>I&#8217;m burned out</strong>. I go home after work and just sit there and browse the internet or play games because I don&#8217;t want to work on anything else. I don&#8217;t like interacting with people anymore because all I can think of are all the home, work and internet projects I have to work on, including this site. I have so much to do, but no motivation to do anything. That&#8217;s why you&#8217;ve seen so many guest articles in May and June.</p>
<p>So I asked myself <strong>&#8220;Why am I rushing to finish my degree in 2 years?&#8221;</strong></p>
<p>Good question. The original intent was so that we could be able to leave the D.C. area, if we wished, as soon as possible. That means getting my masters before we could hightail it out of here. But since we have no plan on going anywhere, that reasoning doesn&#8217;t quite apply any longer.</p>
<p>Another reason, I think, is that I have a <strong>1 year repayment requirement</strong> with my employer. That means that I have to stay with my company for 1 year after any tuition reimbursements to me. Right now, I have 3 dates to worry about:</p>
<ul>
<li>July 13, 2008 - This is the first reimbursement date of about $5,000. Once I hit July 13th, then that 1 year is fulfilled and I will no longer owe that money back if I leave.</li>
<li>Sept 28, 2008 - This is a small reimbursement for some books for just under $200. If I leave before this date, I&#8217;ll owe it back, but I&#8217;m not worried about it.</li>
<li>Feb 8, 2009 - This is the $5,000 tuition for the Spring 2008 semester. I don&#8217;t want to have to pay this back if I can avoid it.</li>
<li>June 6, 2009 - Another $200 for A book (yeah, just one)</li>
<li><strong>Feb-ish, 2010</strong> - For the upcoming $5200 for spring 2009 semester (tuition went up)</li>
</ul>
<p>So those are the dates to which I&#8217;m committed, or will be committed. This summer, fall and next summer (and now fall) will be out of my pocket as my employer only covers up to 5200 per year. So either way, whether I take 2 classes this fall or push it off to next year, I still have to cover that last class.</p>
<p>When I mentioned I was only taking 1 class in the fall, Stacie got worried because she thought it meant I would be committed to that much longer with my employer. Nope, as you saw above, if I take their money for the 2 spring 2009 classes, I&#8217;m stuck till early 2010 no matter what. Unless I push my degree into 2010, I won&#8217;t delay my potential departure from my current employer (not that I&#8217;m planning anything, but I need to be prepared).</p>
<p>Additionally, since we&#8217;re <a href="http://www.cleverdude.com/content/were-finally-going-on-a-big-vacation/">going to Israel in November</a> (pending the problems there now), I&#8217;d like to only miss classes for one course, not two. And having to manage the workload that I&#8217;ll be missing would be horrendous for 2 classes.</p>
<p>I don&#8217;t plan to stop writing for Clever Dude, but if you see me miss a day here or there, you&#8217;ll know why. <strong>I don&#8217;t want to put out crap content</strong>, so if I just don&#8217;t have the motivation to write or any good topics, then I just won&#8217;t write. I&#8217;ve had an unwritten rule for myself that I would write every weekday, but that might change as my workload changes. But now that we&#8217;re done with some major home improvements (but the minor ones never ends), things might get easier.</p>
<p><a href="http://sharethis.com/item?&wp=2.5.1&amp;publisher=73e63a5c-edb2-4edd-bc85-f57a11bc95cf&amp;title=Graduate+School%3A+Change+of+Plans&amp;url=http%3A%2F%2Fwww.cleverdude.com%2Fcontent%2Fgraduate-school-change-of-plans%2F">ShareThis</a></p>
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		<title>Get 3.30% APY with eTrade Savings Account</title>
		<link>http://feeds.feedburner.com/~r/cleverdude/~3/325028076/</link>
		<comments>http://www.cleverdude.com/content/get-330-apy-with-etrade-savings-account/#comments</comments>
		<pubDate>Wed, 02 Jul 2008 16:48:06 +0000</pubDate>
		<dc:creator>Clever Dude</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Finances &amp; Money]]></category>

		<guid isPermaLink="false">http://www.cleverdude.com/?p=903</guid>
		<description>Copyright © 2006-2008 Clever Dude. All Rights Reserved. 
eTrade has decided to raise its interest rate on the Max-Rate Savings Account from 3.15% to 3.30% APY. That&amp;#8217;s not too shabby compared to other online banks right now. I&amp;#8217;ve banked with eTrade in the past, but only with CDs, not a savings account, but I&amp;#8217;ve heard [...]&lt;script type="text/javascript"&gt;SHARETHIS.addEntry({ title: "Get 3.30% APY with eTrade Savings Account", url: "http://www.cleverdude.com/content/get-330-apy-with-etrade-savings-account/" });&lt;/script&gt;</description>
			<content:encoded><![CDATA[Copyright © 2006-2008 Clever Dude. All Rights Reserved. <p><img class="alignright" style="float: right;" src="https://a248.e.akamai.net/n/248/1777/0702200809/www.etrade.com/rtpublish/images/jp_10489_315_rate2.gif" alt="" width="253" height="84" /></p>
<p>eTrade has decided to raise its interest rate on the <a href="http://www.dpbolvw.net/click-2969326-10456991">Max-Rate Savings Account</a> from 3.15% to <strong>3.30% APY</strong>. That&#8217;s not too shabby compared to other online banks right now. I&#8217;ve banked with eTrade in the past, but only with CDs, not a savings account, but I&#8217;ve heard good things about their service (they&#8217;re at least on par with other online banks). <a href="http://www.dpbolvw.net/click-2969326-10456991">Click here to open a savings account</a> (affiliate).</p>
<p>As an aside, <strong>I have my Rollover IRA and Roth IRA accounts with eTrade</strong>, and I haven&#8217;t had any problems in the 3-4 years since opening each. If you&#8217;re just using the savings account to stash you cash, then I say go for the highest available rate that you can, as long as you&#8217;re not wasting time switching banks to gain a fraction of a percent.</p>
<p><a href="http://sharethis.com/item?&wp=2.5.1&amp;publisher=73e63a5c-edb2-4edd-bc85-f57a11bc95cf&amp;title=Get+3.30%25+APY+with+eTrade+Savings+Account&amp;url=http%3A%2F%2Fwww.cleverdude.com%2Fcontent%2Fget-330-apy-with-etrade-savings-account%2F">ShareThis</a></p>
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		<title>Thanks for the Hits! June 2008 Traffic and Referral Numbers</title>
		<link>http://feeds.feedburner.com/~r/cleverdude/~3/324651055/</link>
		<comments>http://www.cleverdude.com/content/thanks-for-the-hits-june-2008-traffic-and-referral-numbers/#comments</comments>
		<pubDate>Wed, 02 Jul 2008 06:43:02 +0000</pubDate>
		<dc:creator>Clever Dude</dc:creator>
		
		<category><![CDATA[Finances &amp; Money]]></category>

		<guid isPermaLink="false">http://www.cleverdude.com/?p=902</guid>
		<description>Copyright © 2006-2008 Clever Dude. All Rights Reserved. June was a rough month for traffic, mostly due to summer vacations kicking in. But I don&amp;#8217;t mind because I&amp;#8217;m still maintaining readership, advertising revenue and a few decent articles here and there  Also, I still have over double the traffic compared to June 2007.
According to [...]&lt;script type="text/javascript"&gt;SHARETHIS.addEntry({ title: "Thanks for the Hits! June 2008 Traffic and Referral Numbers", url: "http://www.cleverdude.com/content/thanks-for-the-hits-june-2008-traffic-and-referral-numbers/" });&lt;/script&gt;</description>
			<content:encoded><![CDATA[Copyright © 2006-2008 Clever Dude. All Rights Reserved. <p>June was a rough month for traffic, mostly due to summer vacations kicking in. But I don&#8217;t mind because I&#8217;m still maintaining readership, advertising revenue and a few decent articles here and there <img src='http://www.cleverdude.com/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> Also, I still have over <strong>double the traffic compared to June 2007</strong>.</p>
<p>According to Statcounter:</p>
<p><strong>June 2007:</strong> Hits: 11,911; Pageviews: 18,853</p>
<p><strong>June 2008:</strong> Hits: 24,837; Pageviews: 36,475</p>
<p>My hits are down about 8,000 compared to last month, and down 20,000 pageviews, but I was also pretty low-key during June because of all our home renovations. I thank all my guest writers for their contributions. You really kept this site going!</p>
<h3>Making Some New Friends</h3>
<p>Not all was a loss in June, as I made 5 other new friends and we even formed <a title="Personal Finance Network" href="http://www.cleverdude.com/content/introducing-the-personal-finance-network/">The Personal Finance Network</a> (PFN for short)! We&#8217;ll be sharing ideas and have group writing projects, so keep a lookout for the first one coming soon!</p>
<h3>Subscribers</h3>
<p>I&#8217;ve maintained a level between 1650-1800 subscribers throughout June, but I don&#8217;t think I&#8217;ve been back up above 1800 all month (I&#8217;m too lazy to look at the Feedburner stats). I had hoped to see more of a jump with my book giveaways, but I got the same number of entries via email as through regular comment contests so I&#8217;ll probably stick with the subscription method.</p>
<h3>Top Keyword Searches</h3>
<p>The searches that bring people to my site haven’t really changed since last month. However, “Millionaire by Thirty” was added, while “Clothing Donation Value” (or variations thereof) have dropped from the list since tax time is over:</p>
<ol>
<li><a href="../content/content/free-laptop-nation-how-free-is-it/?PHPSESSID=5c1c92f313c739860f33ae442f0b2aee">Free Laptop Nation</a></li>
<li><a href="../content/content/how-i-get-laptops-and-plasma-tvs-for-free/?PHPSESSID=5c1c92f313c739860f33ae442f0b2aee">Free Laptop</a></li>
<li><a href="../content/content/you-cant-trust-that-carfax-report/?PHPSESSID=5c1c92f313c739860f33ae442f0b2aee">Car Fax</a> or “Free Carfax Report” (although I’ve never written about one)</li>
<li><a href="../content/?PHPSESSID=5c1c92f313c739860f33ae442f0b2aee">Clever Dude</a></li>
<li><a href="../content/book-review-millionaire-by-thirty/?PHPSESSID=5c1c92f313c739860f33ae442f0b2aee"></a></li>
<li><a href="../content/content/find-technical-service-bulletins-tsbs-for-your-car-online?PHPSESSID=5c1c92f313c739860f33ae442f0b2aee">Technical Service Bulletins</a> (or TSBs)</li>
</ol>
<h3>Traffic Sources</h3>
<p>At a high level:</p>
<p><strong>Search Engines:</strong> 46.17%</p>
<p><strong>Referring Sites:</strong> 36.88%</p>
<p><strong>Direct Traffic</strong>: 16.91%</p>
<p>Search engine traffic went up about 11% from last month, and I&#8217;m seeing the results in my Adsense earnings. If you didn&#8217;t know, search engine visitors are the ones who click through on the ads, at least compared to regular readers/subscribers.</p>
<h3>Top Personal Finance Blog Referrers</h3>
<p>So which Personal Finance site sent the most traffic my way in June? How did they compare to last month’s rankings? Well, you’ll see last month’s rank after the new rank in (). If they weren’t ranked last month, you’ll see a (-). As a note, I&#8217;m not considering major multi-author blogs like Smart Spending or Lending Club in this list (see the next section) as I consider them more &#8220;commercial&#8221; sites:</p>
<ol>
<li>(1) <a href="http://www.mymoneyblog.com/">My Money Blog</a></li>
<li>(2) <a href="http://www.fivecentnickel.com/">Five Cent Nickel</a></li>
<li>(10) <a href="http://www.thesimpledollar.com/">The Simple Dollar</a></li>
<li>(3) <a href="http://www.frugaldad.com/">Frugal Dad</a></li>
<li>(9) <a href="http://www.freemoneyfinance.com/">Free Money Finance</a></li>
<li>(8) <a href="http://www.paidtwice.com/">I’ve Paid For This Twice Already…</a></li>
<li>(4) <a href="http://cheaphealthygood.blogspot.com/">Cheap Healthy Good</a></li>
<li>(-) <a href="http://www.mygoodcents.net">My Good Cents</a></li>
<li>(5) <a href="http://www.mightybargainhunter.com/">Mighty Bargain Hunter</a></li>
<li>(-) <a href="http://www.four-pillars.ca/">Quest for Four Pillars</a> and (-) <a href="http://www.ncnblog.com/">No Credit Needed</a> (tie!)</li>
</ol>
<p>How many hits does it take to be the top personal finance blog referrer? <strong>565 </strong>(much less than last month&#8217;s #1). How about number 2? Well that one’s a littler easier at just 348.</p>
<p>Also, <strong>congratulations to 2 new entries:</strong> My Good Cents and Quest for Four Pillars (a fellow PFN member) are top-10 referrers for the first time! And thanks to all of the 476 referring sites (seriously). I can&#8217;t believe this site has that large of a reach!</p>
<h3>Worldwide Reach</h3>
<p>I first blogged about <a href="http://www.cleverdude.com/content/is-clever-dude-taking-over-the-world/">how many countries have seen CleverDude.com</a> in early June. Since then, I&#8217;m able to knock off the following countries from those who haven&#8217;t witnessed the power of the dude:</p>
<ul>
<li>Uzbekistan</li>
<li>Tajikistan</li>
<li>Guyane</li>
<li>Mauritius (uh, who? Welcome anyway)</li>
</ul>
<h3>Top Non-PF Blog Referrers</h3>
<p>Here are the search engine, group blog, non-PF blog and other referrers for June. For the first few sites, their total traffic is in parentheses:</p>
<ol>
<li> <a href="http://www.google.com/">Google Search</a> (41%)</li>
<li><a href="../content//?PHPSESSID=5c1c92f313c739860f33ae442f0b2aee">Direct Traffic</a> (17%)</li>
<li><a href="http://www.badcontrol.com/">Bad Control</a> (4.42%) - This was basically a repost of an article at LendingClub, but I&#8217;m not sure how this referrer got so much traffic. Either way, I appreciate the referrals!</li>
<li><a href="http://www.google.com/reader">Google Reader</a> and <a href="http://www.google.com/ig">Homepage</a></li>
<li><a href="http://blogs.moneycentral.msn.com/smartspending/">MSN Smart Spending</a></li>
<li><a href="http://blog.lendingclub.com/">Lending Club Blog</a></li>
<li><a href="http://www.yahoo.com/">Yahoo! Search</a></li>
<li><a href="http://www.aol.com/">AOL Search</a></li>
<li><a href="http://www.stumbleupon.com/">StumbleUpon</a></li>
<li><a href="http://www.lifehacker.com/">Lifehacker</a></li>
</ol>
<p>Again, thanks to all my readers, fellow bloggers, commenters and scrapers for making this site such a success!</p>
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		<title>Handed over $850. Received a grumpy look.</title>
		<link>http://feeds.feedburner.com/~r/cleverdude/~3/324081821/</link>
		<comments>http://www.cleverdude.com/content/handed-over-850-received-a-grumpy-look/#comments</comments>
		<pubDate>Tue, 01 Jul 2008 14:26:40 +0000</pubDate>
		<dc:creator>Clever Dude</dc:creator>
		
		<category><![CDATA[Finances &amp; Money]]></category>

		<guid isPermaLink="false">http://www.cleverdude.com/?p=901</guid>
		<description>Copyright © 2006-2008 Clever Dude. All Rights Reserved. A short while ago, we decided to donate our tax stimulus check, rather than go on a spending spree, invest it or stick it in savings. Stacie and I had budgeted about a grand to pay her dad for the work he did to install our new [...]&lt;script type="text/javascript"&gt;SHARETHIS.addEntry({ title: "Handed over $850. Received a grumpy look.", url: "http://www.cleverdude.com/content/handed-over-850-received-a-grumpy-look/" });&lt;/script&gt;</description>
			<content:encoded><![CDATA[Copyright © 2006-2008 Clever Dude. All Rights Reserved. <p>A short while ago, we decided to <a title="donate tax stimulus" href="http://www.cleverdude.com/content/why-were-donating-our-tax-stimulus-check/">donate our tax stimulus check</a>, rather than go on a spending spree, invest it or stick it in savings. Stacie and I had budgeted about a grand to pay her dad for the work he did to install our new flooring (pictures forthcoming), but when it came time to pay him, <strong>he wanted no payment whatsoever.</strong></p>
<p>This weekend was our chance to fork over the <strong>$850 we promised to give his church</strong>, but it was the first time he heard of the plan. So while we were at their home in Pennsylvania, I whipped out the checkbook. He was sitting on the couch next to me, but couldn&#8217;t see what I was writing, so when I handed the check over and said it was $850 for his church, he blurted out a quick &#8220;<strong>why would you do that?</strong>&#8221; and &#8220;<strong>I said I didn&#8217;t want any money</strong>&#8220;. I had the response ready and stated &#8220;you wouldn&#8217;t take our money so we wanted to help you and the community in a different way&#8221;. He glared at me.</p>
<p>Anyway, he took the check and I assume it made its way to the church. The church doesn&#8217;t have a main office, so I trusted my father-in-law with giving the funds to the treasurer. I&#8217;ll find out when it&#8217;s cashed.</p>
<p>Sure, we could have not accepted his gift of time (and money since he spent some for materials), but my father-in-law is 60 and not getting any younger. He is just a charitable giver by nature, but <strong>I don&#8217;t want him to shortchange himself if, God forbid, he becomes too disabled to work</strong>. If he gets into the habit of just giving his time, he might also get into the habit of not collecting money owed for regular jobs. He&#8217;s already slacking off on his collections, and those materials are often sitting on his credit card until he gets the cash to pay it off from his clients. Luckily he has no debt (not even a mortgage), but they don&#8217;t have much in savings and they&#8217;re not old enough for social security.</p>
<p>Also, we could have used that budgeted money to pay off our remaining $30,000+ in non-mortgage debt, or just saved/invested it, but honestly that money was already budgeted for paying my father-in-law. So instead of rewarding ourselves with a lucky break on our debt or going out and buying a TV, <strong>we committed that money back to the community</strong>, specifically to the church that my FIL spends so much of his time helping.</p>
<p>And the reason I&#8217;m writing this justification of our actions is because we&#8217;ve already heard a few questioning remarks about what we did and why we didn&#8217;t keep it for ourselves. We&#8217;re selfish everywhere else in our lives, so <strong>it just feels good to give back</strong>, even if it&#8217;s a community hundreds of miles away. I also want these words to perhaps provoke others to consider their giving patterns and rethink their consumerism sometimes.</p>
<p>That &#8220;economic stimulus&#8221; money will make its way back into the economy, just not directly via Best Buy. Instead, it will be used for groceries and events for the local community.</p>
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		<title>Wanting Too Much</title>
		<link>http://feeds.feedburner.com/~r/cleverdude/~3/323725289/</link>
		<comments>http://www.cleverdude.com/content/wanting-too-much/#comments</comments>
		<pubDate>Tue, 01 Jul 2008 03:15:56 +0000</pubDate>
		<dc:creator>Clever Dude</dc:creator>
		
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		<description>Copyright © 2006-2008 Clever Dude. All Rights Reserved. Way back when I was a kid, like 20 years ago, I wanted everything. I would scan through the Sears and JCPenney catalogs, circling about half the items on the pages, even the lingerie (I thought they were swimsuits for mom). For good and bad, my parents [...]&lt;script type="text/javascript"&gt;SHARETHIS.addEntry({ title: "Wanting Too Much", url: "http://www.cleverdude.com/content/wanting-too-much/" });&lt;/script&gt;</description>
			<content:encoded><![CDATA[Copyright © 2006-2008 Clever Dude. All Rights Reserved. <p>Way back when I was a kid, like 20 years ago, <strong>I wanted everything</strong>. I would scan through the Sears and JCPenney catalogs, circling about half the items on the pages, even the lingerie (I thought they were swimsuits for mom). For good and bad, my parents didn&#8217;t have enough money to buy me everything, and encouraged me to find friends who had the cool toys and play with theirs. It worked well enough, until I got a new habit&#8230;</p>
<h3>Wanting Too Much</h3>
<p>In my teens, I wanted stuff so much, <strong>I resorted to stealing</strong>. I got caught once (in a department store), and had to pay $100 restitution. I think I stole 2 music tapes (yes, tapes, not CDs). Considering I only made about that much each paycheck, that was a major hit to my piggybank and I didn&#8217;t even get to keep the merchandise! Luckily, I wasn&#8217;t 18 yet and so I didn&#8217;t get jail time. But it was a scary time, and pretty much ended my thievery.</p>
<p>Entering into my college years (about 12 years ago), I was still rather greedy, but I resorted to legal methods of getting what I wanted&#8230;</p>
<h3>Credit Cards</h3>
<p>Yep, back in college, I filled out one of those credit card applications to get a free t-shirt. It was an MBNA shirt, and I don&#8217;t think I ever even wore it. But I began using the card for <strong>beer, Chinese buffets</strong> and eventually <strong>a car downpayment</strong> when I couldn&#8217;t even afford the car. And I <a href="http://www.cleverdude.com/content/trying-and-buying-musical-instruments-the-wrong-way/">bought thousands in musical instruments</a>, without ever learning to play.</p>
<p>I ended up leaving college with <strong>over $12,000 in credit card debt</strong>.</p>
<p>And about the only thing I think I have left after that $12,000 is one acoustic guitar and an old stereo. I honestly can&#8217;t see one other thing around the house from that 2-year spending spree. And I left with <strong>no savings either</strong>. Wow, what a loser! But how is this &#8220;stealing legally&#8221;?</p>
<h3>Because using credit cards without paying them off was <span style="text-decoration: underline;">stealing from myself!</span></h3>
<p>Not only did I pay interest on my monthly balances during college, I lost any interest I could have made on just saving that money (I made a plan to <a href="http://www.cleverdude.com/content/got-too-much-credit-card-debt-rotate-it/">avoid paying interest</a> after college). I also lost any investment appreciation during the dot-com boom, considering I didn&#8217;t make any investments. And rather than spending my time learning about <strong>how to get rich</strong>, I spent my time eating, drinking and being merry.</p>
<p>Ahhh, the good ole&#8217; days, when I didn&#8217;t have a worry in the world. How stupid I was.</p>
<h3>The Lesson for You</h3>
<p>This is one of those <strong>&#8220;learn from others&#8217; mistakes&#8221;</strong> deals. You can also say &#8220;Do as I say, not as I do&#8221; because not only did I break the law, but I broke my parents&#8217; hearts and trust when I stole. You don&#8217;t want to go through what I did just to learn the same exact thing I&#8217;m telling you. And what I&#8217;m telling you is this:</p>
<ul>
<li>Don&#8217;t want what you can&#8217;t afford</li>
<li>Know what you can afford and whether you SHOULD have it (just because we can afford a Mercedes now, doesn&#8217;t mean we should have one)</li>
<li>Don&#8217;t steal when you don&#8217;t want to pay for something. Honestly, I think part of my problem was crying out for attention, but my greediness also played a major role.</li>
<li>Credit cards aren&#8217;t evil, but you have to <strong>pay off your credit card balance each month!</strong> If you can&#8217;t do that, then you&#8217;re probably buying something you can do without (unless you&#8217;re paying for emergency surgery or something, but there are better financing options).</li>
</ul>
<p>Basically, <strong>don&#8217;t be greedy</strong>. I made it out of my teens and college years without jail time, but had it been just a few weeks later, I might be a different person today. I can only imagine if I couldn&#8217;t get a government contract, or maybe even my first corporate job because I had a criminal record.</p>
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		<title>Introducing the Personal Finance Network!</title>
		<link>http://feeds.feedburner.com/~r/cleverdude/~3/321982975/</link>
		<comments>http://www.cleverdude.com/content/introducing-the-personal-finance-network/#comments</comments>
		<pubDate>Sat, 28 Jun 2008 12:00:21 +0000</pubDate>
		<dc:creator>Clever Dude</dc:creator>
		
		<category><![CDATA[Finances &amp; Money]]></category>

		<guid isPermaLink="false">http://www.cleverdude.com/?p=898</guid>
		<description>Copyright © 2006-2008 Clever Dude. All Rights Reserved. What happens when you get a few personal finance writers together? They become a network!
In true generic fashion, 5 other personal finance bloggers and myself have created the Personal Finance Network, or PFN for short. Now why would we do such a thing?
We don&amp;#8217;t have any flashy [...]&lt;script type="text/javascript"&gt;SHARETHIS.addEntry({ title: "Introducing the Personal Finance Network!", url: "http://www.cleverdude.com/content/introducing-the-personal-finance-network/" });&lt;/script&gt;</description>
			<content:encoded><![CDATA[Copyright © 2006-2008 Clever Dude. All Rights Reserved. <p>What happens when you get a few <strong>personal finance writers</strong> together? They become a network!</p>
<p>In true generic fashion, 5 other personal finance bloggers and myself have created the <strong>Personal Finance Network</strong>, or <strong>PFN</strong> for short. Now why would we do such a thing?</p>
<p>We don&#8217;t have any flashy graphics or even a centralized website, because that&#8217;s not the goal of our network. Instead, we intend to utilize each other as an <strong>open resource for idea exchanges and accountability</strong>. By accountability, I mean that when we start getting lazy with our content, we have to answer to other fellow members.</p>
<h3>Introducing the PFN Members</h3>
<p>The Personal Finance Network members have a wide set of backgrounds and experiences, and I hope to do justice to each one in just a few short sentences below. I highly suggest checking out each member&#8217;s site for yourself to see what they&#8217;re all about, and consider adding them to your <a href="http://www.google.com/reader">favorite RSS reader</a> or subscribe via email. I&#8217;ll introduce each member in alphabetical order, based on their site title, not URL:</p>
<ol>
<li><strong><a title="Blunt Money" href="http://www.bluntmoney.com ">Blunt Money</a></strong> [<a href="http://feeds.feedburner.com/BluntMoney">RSS</a>]: Contrary to rumors, Ms. Blunt (if that&#8217;s her REAL name!) does not write about weed. Rather, she&#8217;s has a blunt writing style (sometimes like myself), but she has the perspective of a <strong>divorced and re-married mother of one</strong>, living in the southwestern U.S.. Plus, she&#8217;s <strong>debt-free, except for mortgage. </strong>Will we have some east coast/west coast wars of words? You can read more at her <a href="http://www.bluntmoney.com/about-me/">About Me</a> page.</li>
<li><strong><a title="Canadian Capitalist" href="http://www.canadiancapitalist.com/">Canadian Capitalist</a></strong>, eh. [<a href="http://feeds.feedburner.com/ccapitalist">RSS</a>] [<a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=166930" target="_blank">Email</a>]: That&#8217;s right, we&#8217;re international! Although you yanks may know the Clever Dude name more (cause I&#8217;m in the states), right now &#8220;CC&#8221; has about 900 more subscribers than me. And rightly so because CC&#8217;s perspective as a <strong>father of twin two-year-old boys</strong>, as well as insights into investing, how-to&#8217;s, frugality and everything else in-between has earned my respect. Also, CC is <strong>debt-free except for mortgage.</strong> You can read more on his <a href="http://www.canadiancapitalist.com/about">&#8220;Aboot&#8221; Me</a> page.</li>
<li><strong><a title="Clever Dude" href="http://www.cleverdude.com/">Clever Dude</a></strong> [<a href="http://feeds.feedburner.com/cleverdude">RSS</a>] [<a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=634951" target="_blank">Email</a>]: If you don&#8217;t know who I am, then how did you get here? I&#8217;m just a few months shy of hitting the big 3-0, <strong>married, no kids, and live in the D.C. area</strong>. I have student loans, credit cards, 2 mortgages and a truck loan (which you can see in the right sidebar). Whew! You can learn a lot more on my <a href="http://www.cleverdude.com/about/">About Me</a> page.</li>
<li><a title="MoneyNing" href="http://moneyning.com/"><strong>Money Ning</strong></a> [<a href="http://moneyning.com/feed/">RSS</a>] [<a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=586085" target="_blank">Email</a>]: What the heck is a &#8220;money ning&#8221; anyway? Perhaps a hint is that David is an Asian-Canadian-American-PFer? Yep, we&#8217;re international via ethnicity now! You can read more about his and his family&#8217;s history on his <a href="http://moneyning.com/about/">About Me</a> page, but basically David immigrated to Canada and then took a job in southern Cal after college. He&#8217;s now a <strong>married man</strong> (as of <span style="text-decoration: line-through;">2007</span> 2008) with plans for kids and all kinds of adult stuff.  He writes across the financial board (investing, saving, retirement) with a healthy dose of personal-ness.</li>
<li><a title="Quest for Four Pillars" href="http://www.four-pillars.ca/"><strong>Quest for Four Pillars</strong></a> [<a href="http://feeds.feedburner.com/FourPillars">RSS</a>] [<a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=911586&amp;loc=en_US" target="_blank">Email</a>]: Sheesh! Another Canadian Financial Blog! (no really, that&#8217;s their tagline). In fact, this site has <strong>two contributors</strong>: <a href="http://www.four-pillars.ca/about/">Mike</a> (aka Four Pillars) and <a href="http://www.four-pillars.ca/about-2/">Mr. Cheap</a>. Both are in the <strong>mid/late-thirties and enjoy investing</strong>. All these investment-oriented sites are a great compliment to my own since I stay far away from talking stock shop.</li>
<li><a title="Squawkfox" href="http://www.squawkfox.com "><strong>Squawkfox</strong></a> [<a href="http://www.squawkfox.com/feed/">RSS</a>] [<a href="http://www.feedburner.com/fb/a/emailverifySubmit?feedId=1532433&amp;loc=en_US" target="_blank">Email</a>]: Squawk Fox &#8220;is about <strong>making personal finance and frugal living sexy, delicious and fun</strong>&#8221; (which she does). She&#8217;s a <strong>two-time Ironman Triathlon finisher</strong>! She writes informative and visually-stimulating articles about all things finance (although she focuses on topics to which most people can relate). I&#8217;ve just been introduced to her site, but I like what I see and I&#8217;m sure you will too! find out more about her background and goals at her <a href="http://www.squawkfox.com/about/">About Me</a> page.</li>
</ol>
<p>So there you have it. You&#8217;ve just met &#8220;<strong>Clever Dude&#8217;s Fuscia Army of Awesomeness</strong>&#8221; (they rejected that network name for some reason. I think it&#8217;s cause it looks like I started it, which I didn&#8217;t. Yeah, that&#8217;s probably it).</p>
<h3>What can you expect from the PFN?</h3>
<p>Well, I&#8217;ll be up-front and say we won&#8217;t be pushing our network name or ideas in your face. Rather, as I mentioned, the network is more for the member sites to keep each other accountable and allow for a free exchange of ideas. As for visibility, you&#8217;ll probably see the network do <strong>weekly roundups</strong> of the best articles from each member site and <strong>group writing projects</strong> every few months, much like other networks.</p>
<p>So again, welcome to the PFN and keep an eye out for those roundups and projects!</p>
<p><a href="http://sharethis.com/item?&wp=2.5.1&amp;publisher=73e63a5c-edb2-4edd-bc85-f57a11bc95cf&amp;title=Introducing+the+Personal+Finance+Network%21&amp;url=http%3A%2F%2Fwww.cleverdude.com%2Fcontent%2Fintroducing-the-personal-finance-network%2F">ShareThis</a></p>
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		<title>Save Money, Save Gas, Save Your Car’s Engine When Idling</title>
		<link>http://feeds.feedburner.com/~r/cleverdude/~3/320548102/</link>
		<comments>http://www.cleverdude.com/content/save-money-save-gas-save-your-cars-engine-when-idling/#comments</comments>
		<pubDate>Thu, 26 Jun 2008 14:08:07 +0000</pubDate>
		<dc:creator>Clever Dude</dc:creator>
		
		<category><![CDATA[Finances &amp; Money]]></category>

		<category><![CDATA[Frugality]]></category>

		<guid isPermaLink="false">http://www.cleverdude.com/?p=858</guid>
		<description>Copyright © 2006-2008 Clever Dude. All Rights Reserved. 
This is a reprint of my original guest post at Budgets Are Sexy, with a few edits.
Prior to starting CleverDude.com, I thought nothing of just letting the car idle when I was waiting outside of a store, parked in my driveway, or waiting to pick up my [...]&lt;script type="text/javascript"&gt;SHARETHIS.addEntry({ title: "Save Money, Save Gas, Save Your Car&amp;#8217;s Engine When Idling", url: "http://www.cleverdude.com/content/save-money-save-gas-save-your-cars-engine-when-idling/" });&lt;/script&gt;</description>
			<content:encoded><![CDATA[Copyright © 2006-2008 Clever Dude. All Rights Reserved. <p><img src="http://www.cleverdude.com/images/carexhaustsmoke.jpg" alt="" width="350" height="230" /></p>
<p><em>This is a reprint of my original guest post at <a href="http://www.budgetsaresexy.com/">Budgets Are Sexy</a>, with a few edits.</em></p>
<p>Prior to starting <a href="http://www.cleverdude.com/">CleverDude.com</a>, I thought nothing of just <strong>letting the car idle</strong> when I was waiting outside of a store, parked in my driveway, or waiting to pick up my wife from work. But now that I&#8217;m focused on finance daily, either writing articles or working with our own money and <a title="create a budget" href="http://www.cleverdude.com/content/fixing-your-money-mistakes-create-a-budget/">budget</a>, I look for <a href="http://www.cleverdude.com/ways-to-save-money/">ways to save money</a> in the most common and uncommon ways. Well, this is one of those common, and <strong>common sense, ways to save money.</strong></p>
<p>When I walk through the parking lot now, and see a car just sitting there idling (i.e. the engine is running for no reason), I just want to walk up, knock on the window and ask the driver (or passenger) why they&#8217;re doing it. I&#8217;ve refrained from doing so thus far only out of fear of getting mistaken as a carjacker and shot. So instead, I&#8217;m spreading the word here in hopes that at least one person <strong>turns off the car when idling.</strong> Not only will you save money and gas, but depending on how long you&#8217;re idling, you&#8217;ll save a bit of wear on your engine. And don&#8217;t chime in about the wear-and-tear on your starter; it&#8217;ll survive just fine.</p>
<p><span style="color: #ff0000;"><strong>Update:</strong> The rule of thumb is to shut off your engine if you know you&#8217;ll be idling for over 30 seconds. It&#8217;s not a firm number, just an advised threshold. Also, the argument that your car wastes more gas starting up only applies to older cars that use a carburator.  Newer fuel-injected cars manage fuel during startup differently.</span></p>
<p><span style="color: #ff0000;"><strong>Update: </strong>I also found this interesting <a href="http://www.transportation.anl.gov/pdfs/TA/361.pdf">worksheet to calculate idling costs</a>. I&#8217;m not sure how they came up with the usage numbers when idling (see table at end of PDF), but it&#8217;ll at least give you an approximate cost figure.</span></p>
<p>You don&#8217;t need to limit the times you shut off the engine to just when you&#8217;re outside the store or your home. Now, at traffic signals with which I&#8217;m familiar, I <strong>stick my truck in neutral and shut off the engine</strong>. The only reason I don&#8217;t throw it into park is because all my doors automatically unlock and I&#8217;d rather keep them locked for my protection.</p>
<p><strong><span style="color: #ff0000;">Update:</span></strong><span style="color: #ff0000;"> Some people have said shutting off your engine while in traffic is illegal in some states, and you can be ticketed. I searched but couldn&#8217;t find anything official, so if you know of states who will fine you for shutting off your vehicle while sitting at a light (I don&#8217;t mean while on the highway in bumper-to-bumper traffic), then please post the link to the applicable state law.</span></p>
<p>At the traffic light near my home, if I get the red light, I know I have at least 45 seconds of idling so shutting off the engine for that time is definitely worth it. I <strong>know when to start up the truck again by watching the pedestrian crossing signals</strong> and when they start flashing red. Some signals even give you a countdown which helps your timing even more.</p>
<h3>The Safety Factor</h3>
<p>There only one main argument against shutting off your vehicle while on the roadway: <strong>getting out of the way of emergency vehicles</strong> (or just getting out of the way). But here&#8217;s the thing; <strong>you have more than enough time from hearing the sirens to turning on your engine and moving</strong>. Personally, I&#8217;ve never been caught in this situation, but I have forgotten the truck was off once or twice and it was only a split second to start up and get moving.<span style="color: #ff0000;"> But check with your state and local laws to ensure you&#8217;re not breaking the law.</span></p>
<h3>Getting Your Stuff Done BEFORE Starting Up</h3>
<p>Lastly, how many times do you start up the car, then buckle up, then situate your cup of coffee, then adjust the mirrors, then plug in your phone to the charger, then blah blah blah. How about you <strong>take care of everything else BEFORE starting the car?</strong> All those seconds add up and keep in mind that it&#8217;s not just about saving money, it&#8217;s also about <a href="http://www.cleverdude.com/content/50-ways-to-save-money-by-not-wasting/">not wasting</a>. I recall in driver&#8217;s education that you&#8217;re supposed to buckle-up before you start the car anyway. They dinged you on your test if you didn&#8217;t.</p>
<p>So overall, if you aren&#8217;t comfortable with turning off your car while stopped at a red light, I hope at least you&#8217;ll shut it off when you&#8217;re just idling in the parking lot or driveway.</p>
<p><sub>Photo by <a href="http://www.flickr.com/photos/doctor_keats/268416998/">Dr Keats</a></sub></p>
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