Toaster Oven.

For laundry: “At a few loads a week...” Why are you doing a few loads a week? A weeks worth of clothes can easily fit in one load. One load a week, with an extra one for sheets and towels occasionally, is plenty. You’ll spend far less on laundry if you simply do less loads.

It’s also important to give a reason, and that further increases your chances. I read about a study once that found giving a reason, any reason, even if its not a good reason, can have a big impact. Probably less helpful with things like salary, but with smaller things that people are going to make a quick decision on…

Yeah i jusy piked around on their website, it looks like they made some changes since I bought mine. They also got rid of the part where you can pay off part of it, return your phone, and get an early upgrade. I like keeping my old devices anyways.

You can get the $15 monthly price by bringing your own phone? I didn’t know that, that’s awesome! I thought it was $40 and the only way to get the discount to $15 was to have a phone on Edge. Next time I’ll just buy the phone from the manufacturer instead of through Verizon. I’m probably going to end up getting…

For the iPhone its not free, you pay $50. The plan itself for $40/month is 960 over two years. Get it on edge and you pay a total of $1009 like you said, so $49 for the phone, instead of the $200 on contract.

I’m on Verizon’s Edge thing, which on family plans is a great deal. I pay full retail split into 24 monthly payments (no interest) which is about $23 for my phone. But then Verizon gives me $25 off my plan for having a phone on edge, which means the phone actually is less than free!

He actually did his math wrong, and the lease he mentions in the article is a similar deal, where the total cost of the lease-to-own plan is actually less than the sticker price.

Let me start by saying I agree with your overall point, and do think that a lot of people end up wasting money by leasing when they would have been better off buying, usually because car salesmen make it confusing. However, you appear to have a bit of a math error. You conclude that the lease to-own will cost $623…

So this is for people who don’t have anything better than their phone for a light... But they do have Photoshop. Sounds great.

It was a random Sunday afternoon, and I encountered a shiny in the wild, and destroyed it with my incredibly powerful Mega Charizard X.

Ah, yes I would agree with that in some circumstances. If your monthly budget has very little wiggle-room, then paying off one or two small ones first could be worth it so you have a little more flexibility to pay less some months if needed. But once you have an adequate emergency fund, and room in your budget for…

I also recommend everyone pay everything automatically, don’t manually pay any bills. This removes the negative feelings from paying a bunch of separate bills. For example, my budget has one category for “student loans”, they are paid automatically, and I see that as one thing, even though really its three separate…

My advice would be to sort of combine the “quick wins” idea with the proper method of paying off high interest first. Just like he suggests celebrating one month of emergency fund even though it’s not your ultimate goal, celebrate paying off $1000 of debt even if that doesn’t actually completely payoff any individual…

I’d be interested in trying IFTTT. Currently one of the main things I have Tasker do is automate my Wifi.

With an immediate annuity... the annuity begins paying out immediately or within a year.

I call BS on the multiple versions thing being BS. It’s two separate story lines, and they’ve said each one on its own has as much content as FE: Awakening. Assuming that’s true, this model was their only option. The real issue is the fixed price that all games are expected to come at.

Personally, I think they should be required to quote interest in mathematically accurate and descriptive terms. i.e. “annual effective rate of x%” and “annual real rate of x%” instead of APY, or “annualized nominal rate of x% compounded monthly/daily/etc” instead of APR.

Just like everyone else in the comments, I’m so tired of this. There was a time, years ago, when this made sense. But these days it just doesn’t. Make things available for Android too. A “few months” is a rediculous time frame, not to mention vague. Do they realize how many people will end up just never playing the…

The 5, which you say it runs on, is almost 3 years old. The 4, wich you say it doesn’t, is 8 days short of 5 years old. If a PC game came out, and couldn’t run on an average five year old PC, would you be complaining?