The spending time doing it is important. Once you start then it becomes second nature. I have also found major switches in process seem to occur easier with a new calendar year. When I first went from a paper register to an excel based one, it seemed like I was duplicating effort (to be sure I didn’t miss anything…

I like leaving my key in the garage when I go for a run. I can remotely put up my garage with a keypad to get to the key.

Reminds me of the strategy answer to: How do you eat a whole elephant? One bite at a time.

And don’t tell the salesperson what that monthly number is. They will find a way to hit that number.

You can always buy a gift card to another place that you were going anyway at Kroger to up your cents off.

I do still pay the bill off, I just don’t have to pay an extra $500 to do so

1 calendar is a deal breaker

That would be cool to have a live band backing you singing karaoke.

Pretty sure that last sentence is a lie :)

The only tweaks I do to the sock it to me cake is up the cinnamon and I will occasionally leave the pecans out.

Add a password manager and show them how to use it.

On which? The not game? No, after the list is created nothing is added. The last one standing is where you go (unless you agree to go somewhere else before exhausting the list).

I was just going to post that we call it the “Not Game” We list a bunch of places and then take turns “notting” places until there is one left. The “not game” works regardless of the group size.

Ally is still at 1%

UGMA are also called UTMA (Uniform Transfers to Minors Act). Just in case anyone is looking for more information.

Same thing I recommend above.

Thanks for the well thought out and descriptive response. Guess I need to do some number crunching and figure it out seems it seems like we could benefit.

Today has been low 40s and raining.

I’ve been very happy with sidereel.com Seems to be the same and maybe better.

I tend to worry about cleaning the computer during the winter and prefer not to be standing outside while blowing it out.