Entries Tagged as 'Shopping'

Define Your Vehicle’s True Identity

“Define Your Vehicle’s True Identity”, that is the slogan of carID — http://www.carid.com/ –I found this company when looking for a trunk mat for my new vehicle.

I’ve got a great deal of experience with WeatherTech — http://www.weathertech.com/ — I’ve used those in a number of vehicles, but they didn’t make a mat to fit.  So I did some reading and I liked what I read about Lloyd Mats — http://www.lloydmats.com/rubbertite.htm –Rubber Tite series.  They got favorable reviews, and they seemed at a fairly reasonable price point.

Well, like always, I started out pricing by using the internet to see where I might be able to save a little money…

That’s when I stumbled on carID — I’d never heard of them before; and frankly based on my experiences to date I certainly won’t be recommending them.

Here is the note I sent to them on 14-Mar-2011 at 1:36AM CDT

I came in with a 20% off coupon; and the first page says $44.91 for the mats for an 2011 Elantra (Limited – Sedan) — I was looking for cargo and front+back; but when I try and add either to my cart they appear at $67.41 — that’s a pretty hefty difference.

Referrer: http://www.carid.com/2011-hyundai-elantra-floor-mats/lloyd-floor-mats-161257.html

Here is what I got back from them on 17-March at 3:12PM CDT

Hello Soles,
Thank you for you interest in our products, we look forward to serving you.
Unfortunately we don’t provide discounts on weathertech items.

Sincerely,

Anthony Vertser
Customer Service
Tel 800.505.3274 Ext 883
anthony.ve@carid.com

Right… Lloyd and WeatherTech are two separate companies…

So here is what I sent back to them just a little while ago:

I do appreciate you taking the time to reply to my inquiry.. but I don’t think Lloyd (makers of Rubber Tite) and Weather Tech are even slightly related companies. In fact, I don’t think Weather Tech makes a custom mat set for 2011 Elantra Sedan (I’m quite happy with those in my 4Runner – I looked at their offering first).

I’m beginning to get the feeling that your company might not quite meet the bar for ethical advertising and business practices… it just feels questionable at best, with great potential for at least bordering on fraud.

Perhaps I’ll just take my money else where… I get the feeling it would hard to be more disappointed in dealing with an eTailer than I have been with yours.

I’ll be happy to share my experience with others – I wouldn’t want you to be deprived of the exposure.

– LR Soles

Maybe it’s unfair to gauge a company from one interaction — but you know the old saying

Fool me once, shame on you.

Fool me twice, shame on me.

I’ll take my business elsewhere – I don’t mind paying a couple dollars more for an item to avoid what looks like it has great potential to become a nightmare situation quickly — particularly with a statement like:

NOTE: These mats will be custom manufactured to your specifications and once ordered may not be returned for credit or exchange.

On their order page — what if there’s a mistake in their processing, a defect…

I certainly offered them a chance to explain the pricing discrepancy to me; and perhaps there is an explanation — perhaps I made an error… but their response just doesn’t cut it; and doesn’t encourage me to want to spend money there.

If you purchase from them, use a credit card that’s issued through a financial institution you have a good relationship with — sometime tells me you just might need a charge back to get satisfaction.

Originally posted 2011-03-18 02:00:25.

IPTV

IPTV has come a long way since the early 90’s and for most of the nation we’re on the edge of an era where digital entertainment in the home will be carried throughout our home (and enter our home) over a conventional data network.

At the moment, most media player devices are vendor specific in what they will do (ie, the U-Verse set-top box is an IPTV device, but is very limited in what it provides beyond allowing a consumer access to the U-Verse servers) — though there are some general purpose devices.

Sure, you can attach a Media PC or Home Entertainment PC, a XBox 360, a PS3, or a Wii to your entertainment system and use it as a somewhat general purpose media player — but it’s not really designed to provide a good user experience for media (they’re intended for general computing or gaming) – or you can purchase one of a growing number of media devices that are being offered that are targeted specifically to provide for a reasonably good consumer experience.

There are also a number of BluRay players that have media player capabilities — but since I consider BluRay a dying media format (and have since the day the format wars were decided) — I see no reason to invest in a player that’s likely to go the way of the 8-track; nor do I see a reason to pay for over priced discs (particularly when I already own a license for the material in another format, and no longer subscribe to making the MPAA richer when they offer me nothing).

There are also a number of display panels that have media player capabilities — but you’re going to find that the display panels that use the best display technology don’t contain the wizzy features to allow for streaming media. So my advice, is buy a solid panel and just realize that you’re going to have an external box (I don’t know of anyone who’s built a cable-card type module for IPTV at the consumer level let).

That leaves us with just the stand along devices — and if you decide that NetFlix is an absolute requirement you come down to three devices currently: Roku Streaming Player; Seagate FreeAgent Theater+ HD Media Player; and Western Digital TV Live Plus HD Media Player.

For my money the Roku is a joke — and I’m just going to pass right over it since I’ve already given it more attention than it deserves.

Both the Seagate and the Western Digital devices look like they have potential (note, only the WDBABX0000NBK is worth considering, the other models are in the same bucket as the Roku)/

The WD TV Live Plus; however, specifically supports the “play to” feature of Windows Media Player — which means you should be able to play any content on the device that you can play on a Windows 7 machine… which opens you up to a much larger potential source for entertainment.

Let me be clear at this point that I haven’t tried any of these devices for myself — I’m just in the phase of trying to figure out which would be worth my time to look at… once I have a device (and hopefully I’ll be happy with the first I get) I’ll write up a detailed post on the feature set — if you’re in a hurry, just read over the capabilities of each of the possibilities and decide what features you have to have to eliminate the number of possibilities down; and before you do that, if you haven’t looked at the value of the NetFlix streaming feature — acquaint yourself with that, and you too will likely consider it a “must have”.

Originally posted 2010-08-03 02:00:49.

A new way to buy…

I’ve been using Amazon.com to buy most goods for years now; and I’ve used Drugstore.com for awhile, their use of coupons and rewards points encourages you to continue to use them every quarter… their prices are good (not always great), but when you consider their rewards and discounts sometimes the prices are very good.

Yesterday I went ahead and used my last quarter rewards to buy something I’ve never purchased online before, something I thought I would likely never purchase online: toilet paper.

Normally I buy toilet paper when I find it at a very good price, and that’s exactly what I found yesterday.

While it’s not earth shattering to buy toilet paper online, for me it shows a definite shift in shopping — anything is a candidate to order online and have delivered to your doorstep rather than drive to a store to pickup.

I think part of what is compelling about buying online is that the simple process of looking for a good deal is really the end of getting a good deal — you don’t have to jump in the car (hopefully schedule it as part of more errands), go to the store, find what ridiculous place they’ve put the sale items in (if they have them in stock at all), stand in line at the checkout, carry it to your car, drive home, and bring it in the house…

Even in the case that you pay the same it just seems that online shopping makes more sense.

The one thing I’m not thrilled about with online shopping is the carbon footprint of the delivery… that’s something Amazon is partially addressing in larger cities (with their dropboxes).

Originally posted 2013-04-16 12:00:31.

Fry’s Class Action Settlement – Credit Card Return Policy

Seems there’s a Class Action Legal Action against Fry’s Electronics revolving around their credit card return policy.  You can read all the details via the link below, and I’ve copied the text into this blog as well.

Thumbnail… if you did a credit card return to Fry’s between 5 March 2006 and 31 January 2008 you can file for a 20% off (up to a $20 maximum) coupon; you simply need to download the PDF (link below), fill it out, and have it postmarked by 25 July 2008.

Class Action Settlement

Claim Form

———-

California Only

Notice of Proposed Settlement of Class Action
TO: All persons who, from March 5, 2006 through January 31, 2008, entered into a credit card return transaction with Fry’s Electronics, Inc., in the state of California (“Class Members”).

IF YOU ARE A MEMBER OF THIS CLASS OF PERSONS, YOU SHOULD READ THIS NOTICE CAREFULLY BECAUSE IT WILL AFFECT YOUR RIGHTS.PURPOSE OF THIS NOTICE
This notice informs you about the above-referenced action and a proposed Settlement on behalf of a certain class of persons. This notice advises you of the benefits that may be available to you under the proposed Settlement and your rights and options as a Class Member, and notifies you that hearings will be held to approve the Settlement.

There is currently pending in the California Superior Court for the County of Sacramento an action entitled Krimsky vs. Fry’s Electronics Inc., Case No. 07AS00928 (the “Action”). On April 16, 2008, Judge Shelleyanne W.L. Chang of the Sacramento County Superior Court, tentatively approved a proposed settlement in this Action.

WHAT THE ACTION IS ABOUT
Plaintiff Roger Krimsky filed a class action lawsuit against Fry’s Electronics, Inc., (hereinafter referred to as “Fry’s” or “Defendant”) on behalf of himself and all Class Members. Plaintiff’s law firm (“Class Counsel”), which represents Plaintiff and the Class Members, is Westrup Klick, LLP.

The lawsuit alleges that Fry’s violated California law by utilizing a return invoice for credit card transactions which conta ined preprinted spaces designated for filling in the address, telephone and/or fax numbers of the cardholder. Fry’s denies that it has violated California law, and denies that any class member is entitled to any relief. However, to avoid the expense, inconvenience and interference with its business operations created by the Action, it has concluded that it is in its best interests to settle the Action on the terms summarized in this Notice.

The settlement was reached through lengthy arms-length negotiations between the parties and with the assistance of a neutral mediator, the Honorable Richard Silver (ret).

The Court has determined that the Action should proceed as a Class Action, for purposes of settlement only, with Plaintiff as the representative of the Class, and granted preliminary approval of the settlement, subject to a final fairness hearing discussed below.

THE PROPOSED SETTLEMENT
THE PARTIES HAVE AGREED TO THE SETTLEMENT GENERALLY DESCRIBED BELOW:

Fry’s has agreed to cease utilizing a return invoice form for credit card transactions which contain preprinted spaces designated for customers’ addresses, telephone and/or fax numbers, except in those instances where required for a special purpose. Such change is subject to modification in relation to modification of the law permitting such.

Class Members who submit a timely Claim Form as described below shall be eligible to receive a 20% off coupon (maximum value of $20 off).

The Parties agreed that, subject to the Court’s final approval, the named Plaintiff, Roger Krimsky, shall be entitled to an incentive award of up to $2,500 in recognition of the risk to Plaintiff as the Class representative in commencing the lawsuit in the Action, both financial and otherwise; the amount of time and effort spent by Plaintiff as the Class representative; and for serving the public interest. The Parties also agreed that subject to the Court’s final approval, Class Counsel shall be entitled to an award of attorneys’ fees and costs of up to $150,000. The Payment of attorneys’ fees will not affect the benefits provided to the Settlement Class.

RELEASE OF ALL CLAIMS
If the settlement is granted final approval, Fry’s and each of its past or present officers, directors, shareholders, employee’s, agents, principals, heirs, representatives, accountants, auditors, consultants, attorneys, insurers and reinsurers, and its and their respective successors and predecessors in interest, subsidiaries, affiliates, parents, subsidiaries, and each of their company- sponsored employee benefit plans and all of their respective officers, directors, employees, administrators, fiduciaries, trustees and agents will be released from all claims, liabilities, demands, debts, accounts, obligations, actions, and causes of action, known or unknown, suspected or unsuspected, at law or in equity, of any kind or nature whatsoever (collectively “Claims”) for Defendant’s alleged violation of Civil Code Section 1747.08(a)(3).

FINAL FAIRNESS HEARING
A final hearing will be held before Judge Shelleyanne W.L. Chang of the Sacramento County Superior Court, on July 18, 2008 at 9:00 a.m., to determine whether the proposed Settlement is fair, reasonable and adequate and should be finally approved. The hearing will take place at the Sacramento County Superior Court, in Dept. 54, located at 720 9th Street, Sacramento, California 95814. You are not required to attend the hearing in order to participate in the settlement.

WHAT YOU CAN DO
1. To Receive A 20% off Coupon. As a Class Member you are eligible to receive a 20% off coupon (maximum value of up to $20 off). In order to receive your 20% off coupon, you must timely complete and return a valid Claim Form. A Claim Form can be obtained by asking for a Claim Form at a Fry’s return register or by downloading a Claim Form at www.frys.com. In order for the Claim Form to be considered, it must be postmarked by July 25, 2008, and mailed to Krimsky v. Fry’s Electronics Claims Administrator, c/o Desmond, Marcello & Amster, P.O. Box 451999, Los Angeles, California 90045.

2. To Exclude Yourself From The Settlement. As a Class Member, you have the right to exclude yourself from the Action and the settlement. If you are a Class Member and wish to be excluded, you must submit a letter or postcard post-marked no later than June 25, 2008 with the case name, your name, address, and telephone number, stating “I wish to be excluded from the Fry’s Class Action.” To be considered valid, a request for exclusion must set forth all of this information and must be timely received. It must be signed by you personally, in order to be valid. Your request must be sent to: Fry’s Class Action: Krimsky v. Fry’s Electronics Claims Administrator, c/o Desmond, Marcello & Amster, P.O. Box 451999, Los Angeles, California 90045.

If you timely and validly request exclusion from the Class, you will be excluded from the Class; you will not receive any benefits from the settlement; you will not be bound by the judgment entered in the Action and you will not be precluded from otherwise prosecuting any individual claim, if timely, against Fry’s based on the transactions complained of in the Action. If you do not wish to exclude yourself, and have no objection to the settlement, you are eligible to receive the benefits of the settlement if the settlement is approved.

3. To Object To The Settlement. If for some reason you desire to object to the terms of the settlement, you ma y do so under the procedures set forth below. If your objection is rejected you will be bound by the final judgment just as if you had not objected.

If you decide to appear and object, you must file and serve your written request to appear and object with the Court, and upon Counsel for all of the parties by June 25, 2008. You must serve all such notices and papers upon Class counsel and Defendant’s counsel at the following addresses:

Phillip R. Poliner, Esq.
Westrup Klick LLP
444 West Ocean Blvd.,
Suite 1614
Long Beach, CA 90802
(Plaintiff Class Counsel)

William H. Curtis, Esq.
Fry’s Electronics, Inc.
Legal Department
600 East Brokaw
San Jose, CA 95112
(Defendant Class Counsel) 

The mailing address for the Final Approval Hearing is:

Sacramento County Superior Court
Dept.54
720 9th Street
Sacramento, California 95814

Class Members who do not timely make their objections in this manner will be deemed to have waived all objections and shall not be entitled to be heard at the settlement approval hearing.
If you have further questions regarding this lawsuit you may contact Plaintiffs’ Class Counsel, Phillip R. Poliner Esq., of Westrup Klick LLP, at 1-888-268-6884. DO NOT ADDRESS ANY QUESTIONS ABOUT THE SETTLEMENT OR THE LITIGATION TO THE CLERK OF THE COURT, TO THE JUDGE, OR TO COUNSEL FOR DEFENDANT.

Originally posted 2008-05-14 12:10:54.

How To Use Credit Cards To Your Advantage

If you’re a savvy shopper you know that you can save a great deal of money watching for sales and taking advantage of lost leaders.

It’s your money, so you might as well save as much of it as you can; not like some ones just handing it out to you without hard work.

One of the easiest ways to make your money go further is to take advantage of special offers from credit card companies that pay you money back to use their cards.  Most of the programs are complicated, and maximizing your benefits takes a little bit of discipline, but you can end up with quite a bit of money back every year.

The cards I recommend (in order) are:

  • Citibank Rewards Dividend Platinum Card (Master Card)
  • Chase Freedom (VISA)
  • Citibank Cash Returns (Master Card)

I recommend you get all three of them, and here’s why.

There are limits on the Citi Rewards and Chase Freedom cards, but if you use them right you can get 3% cash back, and with the Chase card as much as 5%!  But if you use your card a great deal you’ll cap it out before the end of the year.

The Citi Cash Returns Card doesn’t have a cap, but only pays 1% (1.2% for the first year).

I believe all Citi cards also provide you with virtual account numbers, which give you control of who can change what to your card when.  Chase unfortunately does not offer virtual cards numbers.  If you must have a VISA with virtual account numbers, Bank of America has several cards with decent rewards programs (more like the Citi Premier Pass Card utilizing the “Thank-You Network”).

There are of course many other cards that you might be able to save money with.

For instance I have a Chase Amazon (VISA) Card, mainly because they gave me $30 off my first purchase (since then they’ve given me $20 for $100 in charges, and $30 for $100 in charges to encourage me to use the card; but since I don’t purchase from Amazon much, it really isn’t that great a card for me).

The other way to make a credit card work for you is use it any time a merchant accepts it; they’ve built it into their pricing, so you might as well get 1-3% cash back for using your card; of course you do need to make sure you pay your bill in full before the due date every month, or those “savings” will quickly disappear with the interest charges!

On other word of advice, don’t acquire a huge number of credit cards; it will adversely effect your credit rating even if you don’t use them or carry a balance.  The immediate hit of lots of credit inquiries will make it harder to get credit, and having a large number of open accounts trims down your score as well.  And honestly, you don’t really need lots of cards, companies like Citi and Chase will provide you with INSANE credit limits.

Originally posted 2008-05-16 21:28:07.

Un-Freshpair

I’m probably not the most typical shopper in the world… when I decide to buy something it’s generally because there’s a sale and when I shop — I buy enough to last awhile.

Today I was going to take advantage of the FRIENDS13 25% off your entire purchase on Freshpair.com (I was actually thinking about setting up an affiliate account — in the past I’ve made several $200-ish orders and I figure the small kickback and coupons they offer might actually save me money in the future)…

But after adding 21 items to my cart ($216 after the 25% promotion) I read a few reviews and I decided that one of the items I was considering purchasing I just wasn’t going to be happy with, so I went to remove it… simple enough, you either change the quantity to zero or you hit the delete link, right???

Well, no — not on Freshpair.com … it doesn’t seem to work.

So I called customer dis-service… and while they answered the phone quickly and I spoke to a real person without having to go through an automated attendant (normally I’d have praise that as incredible customer service).

I was connected to a man who was to put it politely was snippy — which of course didn’t sit well with me.  While I started the conversation polite, business-like, and courteous (as I would always do when I was calling the first time for customer service), the call quickly went down hill… apparently the “solution” is empty out your cart, clear your cookies, and start over… oh, and if you’re wondering — it’s a known problem (and it’s been a known problem for sometime).

Well, I ask to speak with his supervisor… he told me he was the supervisor, that everyone else had gone home (at 3:50 pm EDT on a Thursday… hmm — my guess is he’s the only customer service person there or he outright lied).

Even more pissed I asked to speak to Matthew the president of the company (I’d seen the very nice thank-you notes included in each of my previous shipments… and I decide to see how far I got).

Well, Matthew was apologetic  but was very quick to tell me that the technical issues of fixing removing items from a cart where people what more than a handful of items just wasn’t a priority for them, that it would require too much effort.

Like I remarked to him… it must be nice to have so many customers you don’t need to worry about customers who want to spend a lot of money with you…

So, I decide I wanted to help them…

I tried to place a separate order for each and every item (free shipping why not punish them by maximizing their shipping cost, after all, they can’t handle large order, so give them the smallest orders possible).  Eleven orders (I cut back on the items) most right at or under $10 each… on a different credit card, and each appears to have been authorized fine (I actually called Chase to check on the three placed on Chase issued cards), but the orders were canceled — no email was sent indicating the order was canceled, and once again when I called their (pathetic) customer service I was told, they couldn’t determine why the orders where canceled, just re-order (lol — like I haven’t heard that before).

Well I guess the only solution is to take my business elsewhere… enough of my time has been wasted on Freshpair.com.

And I encourage everyone else to consider taking their business to a company that actually wants to provide not only competitive prices but good customer service… and that would not be Freshpair.com…

Originally posted 2013-05-02 15:00:52.

BigLots! — Caveat —

If you’re a savvy consumer you can save a great deal of money at BigLots! (of course, that’s true of any surplus store, dollar store, clearance sales, etc).

And while I’m not going to stay away from BigLots! because of what I’m about to tell you… I’m just going to continue to watch the prices that are rung up on the register (and you can easily watch while they ring up each item there — not like some stores where you can’t see the price they actually charge until you get the receipt [which is after you sign the credit card slip]_.

At the end of each and every season, BigLots! further reduces seasonal merchandise; however, they don’t actually change the prices on the items (for the seasonal reductions — though they do sometimes change prices for items they’re clearing out) they just post a sign that says extra XX% off such-and-such items.

What they don’t make clear (nor do I really think they want to) is that only some of item in that class are marked down; not all of them are.  And there’s really no way to know what’s marked down and what isn’t except to either find an employee that will check (or happens to just know) or take it up to the cash register.

I found this out a while ago; but it bit me again the other day when I was going to buy a pack of LED Solar lights, the sign said “30% off Patio Lighting”, and sure enough the package I liked the best (well — I really wanted ones made from metal not plastic — but at least these had the solar cell under the lens so that it was protected) wasn’t marked down at all… and I certainly wasn’t going to pay that price for an item that wasn’t really what I wanted.

So, remember, always watch what you’re charged for items, and go over your receipt — and don’t be the least bit shy about asking why it’s more than you expected, and having them void out the item (or the transaction) or returning the over-priced item.  Retailers in general do what ever they can get away with — and my advice to you is not to let them get away with anything ever.

Originally posted 2009-08-28 01:00:58.

Earth’s Biggest Selection

That’s, of course, Amazon.com‘s catch phrase…

I’m always quick to say what I think about a company or service; and I’m sure you’ve noticed that the vast majority of times that not very flattering.

I am, however, just as quick to praise as to criticize… the problem being is that there just aren’t that many instances where I find praise is warranted; and there seems to be an almost unending list of things to criticize.

Amazon.com impresses me as a company that tries very hard to “do the right thing”; and a company that empowers it’s customer service representatives to resolve issues in a timely and equitable manner.

Now don’t get me wrong.  Amazon.com isn’t without fault — but unlike many companies they seem to be working to move forward and make improvements rather than simply ensnare their customers and force the to put up with their short comings.

Generally speaking, Amazon.com’s prices are fair, their shipping costs are reasonable (free on many orders if you’re willing to wait for the order processing delay), their polices are clear (and concise), and their customer service people are helpful (and efficient).

The biggest thing I can criticize Amazon.com for is that they have the right to impose a life-time limit on their “A-Z Guarantee” — and while I think that it makes sense to have limits; it doesn’t make sense to me that a person who orders once a year from Amazon.com should be subject to the same potential limits as a person that orders once a day — or a person that has only placed three orders in their life has full protection, but a person who has placed three hundred has far less protection (as a percentage of orders).

The other thing I wish Amazon.com would improve on is consistency of product listings (like putting the manufacturer’s link and warranty information in the same location on each page).

Is that enough to make me shy away from doing business with Amazon.com???  ABSOLUTELY NOT…

In all the time I’ve done business with Amazon.com only once have I needed to use the A-Z Guarantee, and it was with an Amazon Marketplace Merchant (which isn’t the same as Amazon.com — and I certainly do not give Amazon Marketplace Merchants the same endorsement as Amazon.com).

The only other “negatives” about Amazon.com is that they do not price match; which also includes researching incorrect pricing (for instance, if a manufacturer changes the suggested retail price, and likely distribution cost Amazon.com has no mechanism to update that if the manufacturer doesn’t constantly provide updates).

Additionally, Amazon.com has made great strides to reduce packing waste for products they sell; and while I can’t say they can claim to be “green”, they are moving in the right direction.

If you’ve never tried Amazon.com — check them out and compare their products and prices the next time you’re going to place an order — from technology to toasters, shaving to shovels… you might be surprised at how big their selection is and how low their prices can be!

Originally posted 2010-05-23 02:00:07.

Re-Usable Shopping Bags

Rather than throw away bags that stores provide to you, why not consider purchasing some re-usable shopping bags?

Reduce, reuse, recycle…

You’re reducing the number of plastic (or paper) bags that need to be produced and recycled (or otherwise disposed of).

You’re reusing the same bag over and over.

You’re recycling, since almost every reusable shopping bag is made from 100% post consumer recycled material.

I know most vendors seem to want to charge around $1 each for these (and that’s ridiculous — and unconscionable to try and gouge a profit on people who are trying to do the right thing), but watch the sales at Walgreen’s, they put regularly advertise their smaller bag (which is perfect for most shopping) at 3 for $1 (with coupon in their advertising circular — look NOW).

Originally posted 2010-04-23 02:00:46.

Caveat emptor

Since 1817 consumers should have been aware of the need to be watchful when purchasing goods and services — never has that been more true than now.

From what I’ve been reading many food companies have been quietly changing the amounts in their containers without making any visible changes in their packaging except the labeling.

So, while that can of potato chips might look like it’s the same size as you got last month, it might not have as many in it — but the price has stayed the same (which means you’re getting less for your money).

It’s tough economic times, transportation costs are highly variable, and prices are going to vary widely from week to week and store to store…

Be an educated consumer and make it Caveat venditor… after all, it’s your money, you should keep as much of it as you can.

Originally posted 2008-11-11 08:00:15.