Money Blue Book

As I grumbled a bit in an earlier personal finance blog post, I’m suffering from a bit of a bout of blogger’s block recently. What started out as a torrent of gun-ho, blog posting eager beavery has dwindled to a couch potato-ry display of procrastination and summer slumpery (yes I know, I’m making up words here). However, despite my motivational troubles of late, I made the decision recently to rekindle my blogging business drive. To jump start my previously respectable and focused work at home habits, I decided to force an immediate change of scenery solution to get myself out of my temporary rut – by going on an overseas vacation. Of course, I wouldn’t want to head out without the ability to bring my blogging business platform and online writing tools with me – I will require the services of a portable notebook computer.

Since I gave my only existing laptop computer away to my younger brother so he could use it for his new graduate school studies, I decided I needed to go out and buy a new one for myself. As I’m actually in the midst of working my way through one of those supposedly free online laptop gift reward offers at the moment, I debated whether to wait around until I received it before heading off on my trip. At the end, I decided I could always sell the free laptop reward on eBay or Craigslist for extra money some other time in the future. So I decided to go ahead and buy a new laptop computer for work travel portability. The following are some of the considerations I went through when choosing a new laptop computer.

What Features Should I Look For In The Perfect Laptop Notebook Computer?

I’m not a tech blogger, nor am I even close to being an expert on how to buy a notebook computer. While I love computers, I really don’t update myself on all the latest news and advancements in technology related products. What I am is just an ordinary consumer who has purchased laptops and computers before as a student and as a working professional, for myself, family, and friends. I know what I like and I know what’s practical for most personal and business applications. I also enjoy visiting retail stores like Best Buy and Circuit City that offer in store display products for consumers to tinker on, tap away furiously, and basically abuse to their heart’s content. It’s one of the many reasons why I like retail brick and mortar electronic stores as opposed to online shopping sometimes. At retail stores, when it comes to products like laptop computers, you have the ability to pick the product up to physically gauge the weight and feel, the ability to feel the sensation of the laptop keyboard spring response as you type, and the first hand ability to visually assess the quality of the merchandise.

As a financial blogger with a legal background, I’m definitely not a savvy expert on computer CPU processor terminology or a know-it-all when it comes to deciding whether one memory component is better than another memory component. But I do know what works for me and what is practical for most laptop consumers in the real world. For my purposes, so long as a laptop computer is form appropriate in terms of weight, size, and aesthetics, and performs with proficient speed, and able to handle appropriate writing and browsing tasks at an affordable cost, I’ll definitely give the laptop model a serious consideration.

Here are some of the most important features to look for in a laptop notebook computer. The items in this little list don’t cover everything, but they are the primary features and components that most ordinary laptop users will want to consider when choosing a new notebook computer. I’m sure some of the so-called laptop hardware experts will be surprised at the features I find important and amused by the ones I deem less worthy of my concern.

1) Glossy Screen or Matte/Anti-Reflective Screen – Other than the keyboard, the screen is probably one, if not the most important feature of a great laptop computer. Personally, I highly prefer the glossy screens over the duller matted ones, despite the fact the great majority of computer users (probably 80% or more) seem to prefer matted displays. While the glossy screens tend to be more reflective of light and has been reported to cause eye strain in some users, I’ve never had any viewing problems or reflective difficulties associated with the glossier displays. I love the glossy screens because the colors are displayed much more brightly and with more richness. Color palettes are not only displayed with greater vibrancy, but the resultant effect is a laptop screen back light that seems stronger than that of the matte.

Matted displays on the other hand, while not reflective of light and supposedly less imposing of a strain on the eyes, display colors and shades that are much more subdued. My old IBM Thinkpad laptop was a matte screen and I always had problems with the display being too dark. Ever since I bought a glossy Sony Xbrite LCD monitor for my desktop computer, I fell in love with the glossies and never plan on going back. Due to my great experience with Sony glossy screens, I almost always recommend their displays over other brands. I’ve owned Dell’s and other brands as well and have found their screen colors to be comparatively duller.

2) Keyboard Size and Responsiveness – As I will primarily be using this new laptop for word processing and blogging related functions, having a stellar keyboard with accurate spring back response will be extremely important. The keyboard is definitely a major make or break issue for me. After visiting all the local Best Buy and Circuit City stores, and having matched the opinions expressed on online review sites like CNET to my actual experience at the retail stores, I’ve narrowed down what I believe to be the top 3 laptop brands that offer the best keyboards – Lenovo (formerly IBM Thinkpad), Dell, and Sony’s Vaio SZ business series. All of the other laptop brands out there like HP, Sony non-SZ series, and even Apple offer sub par keyboard typing experiences in comparison. Of course this is just my personal take and opinion, but I highly prefer laptop keyboards that click crisply as you type with very responsive and clearly defined bounce backs as keys are pressed.

The legendary IBM/Lenovo Thinkpads are above and beyond the very best when it comes to keyboard design and technology. Very few other brands even come close. The only ones that can even compare are the Dell and Sony VAIO SZ series keyboards (the non-SZ series laptops offer keyboard buttons that seem a tad too soft). While some might not like the noticeably louder clicking sounds that emanate from the Sony SZ keys, I actually find the sharper key taps to be very reassuring and responsive as I type.

3) Laptop Machine Weight and Screen Size - Unless you are buying a laptop computer as a desktop replacement computer that will spend the bulk of its time sitting stationary at your home office desk, the laptop’s weight and size will be fairly important factors to consider. In my ideal business oriented laptop, I prefer a light weight machine that doesn’t exceed 5 lbs (4 lbs is highly preferred). Anything higher than 5 lbs is treading into the heavy brick category in my opinion. I’ve lugged around laptops before and have found that after including the additional weight of the electrical power strip, the mouse pad, the mouse, and other external hard drive extras, any laptop that exceeds 5 pounds can quickly weigh down the laptop bag fairly significantly.

Interestingly, the laptop screen size itself is not something I pay too much attention to when it comes to choosing a notebook computer. If you ask me, unless you are buying a desktop replacement, you needn’t pay too much attention to the screen size. Even smaller screen computers generally perform just as well as the larger ones. Usually, it comes down to a trade off between screen size and weight. Having a larger screen size affords more computer desktop space and is certainly nice, but it also means the computer is likely to be substantially heavier. I’ve found that the compact 13 inch screen is perfectly ideal for most ordinary users, including bloggers and writers who don’t really need the extra desktop space for their work. For my purposes, anything larger than a 13 inch screen would probably result in a portable computer that’s significantly heavier than I’d like.

4) Processor and Memory Hardware - I rarely pay attention to the processing speed or memory hardware when choosing a laptop. I’m sure some computer techies would probably be shocked, but I personally view such laptop parts as inherently interchangeable. I’ve rarely had any problems with slow processing speed or issues involving not having enough memory. These days, with the rapid rate at which new developments in computer hardware get released into the marketplace, there isn’t much point in trying to stay on top of the latest technology. Most of the desktop computers and laptops sold out there usually offer the top of the line hardware anyway, or at least close to the top. There’s no real point fussing over one chip over another and it’s unlikely any of us regular consumers would be able to tell a difference based on performance alone anyway. You’re better off hinging your laptop buying decision on components like the keyboard or type of screen offered.

5) Built In Camera and Microphone – While neither are essential components, having a built in camera and internal microphone are handy features to have. Having them already installed into your laptop screen cuts down on the added weight from having to carry around extra accessories. With the growing use of video instant messaging and the use of Voice Over IP services like Skype for audio conferencing purposes, it’s good to have a built in webcam in your notebook computer. It shouldn’t be a make or break issue though, so don’t let it hinder your ultimate buying decision.

6) Extra Features and Gizmos Like Special Video and Sound Cards, and Extra USB Ports – Having extra USB ports is nice because it allows you to hook up multiple components like your mouse, printer, scanner, digital camera, and external hard drives at the same time. While the ideal laptop should have at least 4 USB ports, 2 is often enough for most entry level users.

As for having fancy 3D video cards or premium sound cards, unless you plan to be a heavy gamer or work as a 3D graphics designer, these are luxuries that are nice to have but not really essential in a new laptop computer. My suggestion is to not pay these components too much attention. Focus on the screen type and keyboard instead.

7) Customer Support and Product Reliability – One thing that I’ve learned over the years is that internally, computers are all basically from the same stock. Other than a few proprietary and unique components like computer screens and keyboard design, the internal processor and hardware components are all the same among the different computer brands. Almost all of the manufacturing and assembling processes are outsourced to other companies. For example, would it surprise you to know that Dell and many of the major computer brands out there don’t actually build their own computers? It’s true. What the brands actually offer is customer and technical support for computer repairs and troubleshooting. Manufacturing responsibilities are outsourced to other companies and all their laptop and desktop computer parts are built and assembled by third party manufacturers like Seagate, Panasonic, and Intel. Thus, oftentimes, one of the few distinguishing factors among different computer brands are the differences in customer support warranty packages. Most of my laptop buying and technical support experiences have centered around IBM/Lenovo Thinkpads, Dell laptops, and Sony notebook computers – the vast majority having been generally positive and favorable.

Most computers in the market offer the industry standard warranty of 12 months. When it comes to buying extra laptop warranty coverage, I advise against it – use credit card warranty programs instead. You’re much better off buying the laptop computer with a credit card and extending your original manufacturer’s warranty by a year or more with the special warranty extension perks that many credit card issuers provide for consumers. By extending your laptop warranty to a combined total of 2 years with credit card warranty programs, you’ll get pretty good mileage out of your portable computer. As laptop lifespans are generally 2-3 years and computer prices drop fairly fast, you may be better off buying a new laptop after the end of the 2 year warranty period should it break down after that time. Don’t waste your money on purchasing additional extended warranty add-ons. Many retail store agents push this type of extra service, not because it’s such an invaluable service, but because it’s one of the few things the reps can earn lofty commissions on.

My Decision To Ultimately Buy A Sony VAIO SZ Series Business Laptop

After weeks of tests and comparisons at local area electronic retail stores, I finally settled on buying a brand new black Sony VAIO SZ750 business laptop. The price, while more expensive than that of standard consumer laptops, offered a laptop that was a perfect fit for an aspiring full time blogger on the go like myself. The keyboard typing experience is quite exceptional on the Sony VAIO SZ series and the laptop is very light at 4-5 pounds. The glossy screen display also offers crisp colors and an excellent viewing experience, a trademark of most Sony VAIO computers. I love the black exterior color design, reminiscent of my old IBM Thinkpad during law school. The only thing that would have made the Sony VAIO SZ even better would have been a red pointer device. While most people seem to dislike those handy red pointing devices in favor of the classic laptop touch pad, I actually like the pointing sticks a lot more, probably due to my days as a Thinkpad user. I had considered buying a Lenovo Thinkpad, but the lack of glossy screens in the Lenovo notebook line eventually led me to go with a Sony VAIO. As usual, I paid very little attention to the processor, memory, or even hard drive specifics – making my decision primarily based on keyboard and laptop screen quality comparisons.

Getting Rid Of The Infamous Sony VAIO Computer Bloatware Programs

My only gripe with the Sony VAIO laptop I purchased is the extremely high and ridiculous amount of bloatware that came pre-installed. Bloatware is basically the lingo used to refer to free, but useless software that comes pre-installed on many new computers. Oftentimes third party software developers like AOL, Microsoft, and Norton Anti-Virus pay computer manufacturers like Sony and Dell large sums of money to install their promotional software programs into all new computers sold. Most of the time, the software installed are not even fully functional versions, but rather demo test trial programs designed to compel the user to pay more money to buy the full software at the end of the trial period. The pre-installations essentially bloat your new computer, causing it to unnecessarily devote processing power to handle the excess software load. For those like me who desire a clean desktop and streamlined hard drive installation, getting rid of all the preinstalled software can be a major pain in the you know what. Oftentimes it’s also hard to differentiate the unnecessary bloatware from the essential programs.

Sony is probably the king of bloatware. While they build pretty decent computers, for whatever reason, the company don’t hesitate to sell out their computer consumers to the bloatware developers as they readily stuff their new computers with all sorts of pointless software programs that consumers are unlikely to ever use. The following list are all the pre-installed programs and applications that came with my new Sony VAIO SZ laptop. While the specifics will likely differ among Sony computers, the majority are likely going to be the same. I’ve bolded the ones I’ve kept. The non-bolded ones are the pre-installed software programs I’ve deemed to be bloatware and useless. Please let me know if you disagree with any of my bloatware assessments. I removed the bloatware programs by accessing the uninstall program feature through my desktop’s control panel and individually removing each one. The whole removal process wasted about 1-2 hours of my time. Thanks Sony.

List Of Pre-Installed Software On My Sony VAIO Laptop (The Programs That Are Somewhat Useful and Perhaps Necessary Are Bolded)

• Activation Assistance For the 2007 Microsoft Office Suite
• Adobe Acrobat Professional 8.0
• Adobe Flash Player
• Adobe Reader
• Alps Point-device for Vaio
• AOL Toolbar 4.0
• ArcSoft Magic-i Visual Effects
• Business Contact Manager for Outlook 2007
• Click to Disc
• Click to Disc Editor
• Compatibility Pack for the 2007 Office System
• Corel PaintShop Pro Photo X2
• Crackle Screen Saver 1.0
• DSD Direct
• DSD Direct Player
• DSD Playback Plug In
• HDAudio SoftV92 Data Fax Modem with SmartCP
• Java SE Runtime Environement 6
• LiveUpdate 2.3 (Symantec Coproration)
• Location Free Player
• Microsoft Office Component Files (all)
• Microsoft SQL Server Component Files (all)
• Microsoft Visual C++
• Microsoft Works
• MSXML 4.0 SP2 Files
• MobiTV Icon
• Napster
• Norton 360 (Symantec Corporation)
• NVIDIA Drivers
• OpenMG Limited Patch 4.7
• Protector Suite QL 5.6
• QuickBooks Simple Start 2008
• Roxio Easy Media Creator Home
• Setting Utility Series
• SigmaTel Audio
• SmartWi Connection Utility
  
• SonicStage
• SonicStage Mastering Studio and Filters
• Sony Snymsico for Vista
• Sony Video Shared Library
• Spy Sweeper
• SupportSoft Assisted Service
• VAIO Camera Capture Utility
  
• VAIO Center Access Bar
• VAIO Content Folder Bar
• VAIO Content Folder Setting
• VAIO Content Metadata (all)
• VAIO Control Center
• VAIO DVD Menu Data Basic
  
• VAIO Entertainment Center
  
• VAIO Entertainment Platform
• VAIO Event Service
• VAIO Help and Support
• VAIO Media (all files)
• VAIO Movie Story
• VAIO Movie Story Template Data
• VAIO Music Box
• VAIO Music Box Sample Music
• VAIO OOBE and Welcome Center
• VAIO Original Function Setting
• VAIO PC Wireless LAN Wizard
• VAIO Power Management
• VAIO Productivity Center
• VAIO Security Center
• VAIO Service Utility
• VAIO Startup Assistant
• VAIO Status Monitor
  
• VAIO Survey
• VAIO Update 3
• VAIO Wallpaper Contents (not needed but nice to have some different wallpaper options)
• WIDCOMM Bluetooth Software
• Windows Driver Package Intent Corporation
• WinDVD for VAIO

We live in an extremely politically correct country these days, which means anyone who even mentions anything negative about someone different (like negatively pointing out a foreign accent), or criticizes someone for their inability to speak the language properly, he or she is immediately labeled as prejudiced, racist, or somehow inciting hateful views. I’m truly none of those things, but I feel a personal finance blog platform is as good as any to express my own personal views about my own experiences on the matter. While I was born overseas, I came to the U.S. when I was only 2-3 years old, so I’ve pretty much grown up as an American and learned to identify strongly with the crux of American culture and its values. While a key component of American culture is the ability to embrace diversity and appreciate differences between different types of people, both foreign and domestic, there are some circumstances when I greatly prefer the services of a fellow American.

This preferential situation comes up whenever I call a live customer service help line. When I pick up the phone and make that affirmative decision to seek help via a toll free telephone number, my reasonable expectation is that I will reach someone who can communicate with me in an intelligible way, and help me resolve my consumer business problem quickly and efficiently, so that I can go along my merry way. It’s bad enough that I often have to spend 30 minutes or more waiting on hold before I can talk to a live technical support representative, but these days, it seems when I finally reach that live person, he or she turns out to be completely unable to communicate with me using comprehensible and discernible English.

I Can Deal With Difficult To Understand Accents In Real Life (By Using Hand Gestures), But When The Situations Happen Over The Phone, The Conversations Can Get Comically Tedious

I am terrible when it comes to understanding different accents. Even British English accents trip me up on occasion – but at least it is somewhat closer to American English in terms of speech and pronunciation, albeit a bit more deliberately pronounced I suppose. While I can understand the different types of American English accents such as a southern, Boston, and even accents that distinguish different races and ethnic groups prominent in this country, I still have frequent difficulty understanding the cultural nuances and accents that aren’t considered mainstream American English. This difficulty in understanding foreign accents is most pronounced and debilitating when it comes to conversations over the phone with someone from another land, especially when I find my phone call re-routed to some outsourced call center located overseas and wind up with a customer service rep who speaks with a thick accent that I simply cannot understand despite my best efforts.

While in a real life conversation and business work setting, heavy accents aren’t as significant a detriment as there are other methods of communication such as using writing and through natural hand gestures to punctuate one’s point, in the world of customer service telephone calls, this type of linguistic verbal diversity is a significant detriment and handicap. When it comes to customer and technical support help lines, communication and speed are two important elements to a quick and satisfactory resolution of the problem at hand. There are plenty of jobs where having a perfect American English accent is not crucial and one can get away with not having otherwise perfect American English, but a position as a customer service call representative that caters to Americans is not one of them. The job absolutely demands that the agent be able to communicate with the language of the target country. Is that really too much to ask? Oftentimes in such scenarios, time and patience are limited luxuries. In such situations, having a thick accent is a very undesired handicap to have, particularly when the issue needs to get resolved quickly over the phone in a short period of time without the benefit of time to get to know each other. This is the biggest problem many customers such as myself are having with companies that continue to outsource their customer service call center jobs overseas to English speaking, but heavily accented countries like India.

Facing An Indian Customer Service Representative With An Incredibly Thick Accent Is Like Talking To A Brick Wall – Nothing Gets Through, and Time Is Wasted

When American call center customer service jobs are outsourced to other countries, I think it’s reasonable to expect the call agents that will be handling the calls to be trained to speak in proper America English. However that is not always the case. Especially when it comes to Indian call centers, the accent is often an interesting mish mash of British English, local Indian dialect, and butchered American English. What often comes out is an unintelligible murmur, resulting in humorous and frequently embarrassing exchanges between the rep and the customer.

A few years ago, I bought a Linksys wireless Internet router, but had major trouble setting up my wireless connection. I kept losing my wireless internet signal and so I embarked on a customer service phone call quest to solve the problem. I dialed the company’s 1-800 number and was promptly connected to an agent. Little did I know, but my call from Maryland, USA was instantly routed thousands of miles across the planet to a different time zone to a call center in India. Immediately when I heard the agent’s accent, I knew it was going to be a long day. It started as soon as my phone rep introduced herself with a thick Indian accented “Hello”…followed by a …”my name is Mary”, a presumably English name moniker chosen by the Indian customer service rep for the convenience sake of their mostly American clientele instead of compelling them to remember a more difficult Indian name. For the next 60 minutes, I struggled valiantly to understand her words and sentences. I tried to remain polite and understanding, but I kept asking her to please repeat herself, much to my continued embarrassment. Every sentence on her part would be followed by a “What?” on my end, or would be followed by a momentary pause as I scratched my head and tried to figure out what she was trying to tell me.

After a while, I could tell she was getting fed up with having to repeat herself after every instruction, but then what was I supposed to do? I desperately tried to understand, and I really did try – but it was a constant guessing game on my end. I simply could not comprehend the Indian customer service representative’s thick Indian English accent. At the end, I got little accomplished because she and I were simply unable to communicate. I found myself spending more than an hour repeating her own words back in my vain attempt to make some linguistic sense. Eventually I had to give up and seek help from another customer service rep. The next rep’s Indian accent was just as thick and I ultimately had to call back several times before I finally found an agent who’s accent was more bearable. But the experience left me with a very negative view of the company and their irresponsible cost cutting efforts to send customer service jobs overseas when the work could be better handled here.

American Companies Who Cater To American Consumers Should Seriously Re-Consider Their Indian Outsourcing Strategy Or Face Consumer Backlash In The Long Run

This is a serious problem that many major American companies who choose to outsource their call center jobs to low cost foreign countries will ultimately have to face. Customers such as myself may eventually take our customer service frustration out on the company and defect to one of their competitors. Based on some news reports I’ve read, many companies that have attempted to outsource their customer service functions abroad have not realized the cost savings they expected, discovering that there are hidden costs that far outweighed the potential savings in labor expenses. Oftentimes, due to significant customer complaints about difficult to understand customer service representative accents and great differences in culture, companies have had to expend significant amounts of additional money to train the agents on proper American English and terminology. Ultimately some of these outsourcers have brought those type of jobs back in-house and back into the country.

Faced with backlash from customers like myself who have great difficulty understanding heavily accented Indian English, some companies are actually taking the next logical alternative step by shipping the work over to other moderately English speaking countries, like the Philippines. As a former U.S. controlled territory, the Philippines at least offers a more Americanized work force with a better understanding of American culture that can potentially offer employees with lighter accents. There will still be an annoying accent to deal with, but at least the twang, so to speak, will be significantly less painful to understand than that spoken in India.

There are currently also signs that the trend toward outsourcing call center jobs to low-wage countries like India or even the Philippines may be slowing down. Research shows that some call centers are most effective when staffed by Americans and there is at least some growing attempt to keep jobs here. I’ve noticed that many companies are now trying to keep the bulk of their daytime customer service call center jobs in the United States where the calls can be handled by American English speaking agents. For customer service lines that provide 24 hour coverage and take on evening calls however, some still get routed overseas to places like India, but many daytime calls are now being mercifully handled by call centers in the U.S. At least that’s what I noticed recently when I called my cable internet provider’s help line several times recently. When I called during normal daytime office hours, I got a service rep that spoke perfect English, but at night, I basically played the ole accent guessing game, doubling and even tripling the length of time spent trying to resolve my problem.

For those of you out there who are embarrassed to admit but also have difficulty understanding accents, I recommend making your 1-800 customer service and technical support phone calls during the day. Sure that means using up your precious anytime wireless phone minutes, but you stand a much better chance of reaching someone in this country than if you called after hours.

This weekend a good buddy of mine and I decided to meet up and go for a round trip cross country bike ride from suburban Maryland, through the tree lined bike trails of Washington D.C., and into the outskirts of Northern Virginia. Neither of us owned decent bikes (none with suitable seats that wouldn’t give us wedgies anyway), so we decided to rent a pair from a local bike rental shop near my old university stomping grounds. Since I hadn’t been back to visit my old college in some time, we decided that after bike riding we would spend some time looking around and grabbing a bite to eat somewhere in the college town neighborhood.

The bike ride through the shaded forest trails and paved roads was fun and the subsequent pit stop at the National Zoo in D.C. was very relaxing (although, where were all the animals we wondered?), but the biking experience left me utterly exhausted, with aching legs, and a pair of sore butt cheeks. I completely underestimated the painful long distance hill climbs and the sheer distance that we needed to travel. Despite my cross country running background, I’ve been slacking off in the exercise department of late and wasn’t in the best of shape to embark on a long bike ride.

Next time, I would definitely do a better job planning the route. For one thing, I would arrange it so that we faced the long uphill climbs in the beginning first half of our bike ride during early afternoon than during the subsequent half late in the afternoon when our muscles and energy levels were already worn out. It was sort of embarrassing, but my friend and I ended up pushing our bikes uphill near the end because our legs were too drained. Yes, not the most impressive demonstrations of manliness (considering there were little kids biking uphill in their tri-cycles of all things), however, the day was a very enjoyable calorie burning day and we had appetites to match.

Visiting a Local College Town Bar and Grill Restaurant For Dinner, and Gushing Over the Cost Savings

After dropping off our rental bikes at the college town bike store, we looked around the neighboring university town to decide where to eat dinner. I suggested either one of the popular bars or local college town hangouts next to our bike rental place, or perhaps one of the casual dining cafes or restaurants popular among the college students. After reminiscing a little bit about the fond memories I had about sporting event inspired student riots that erupted in the past from these very same local hangouts, we settled on this one sports bar type place. The restaurant was a bar and grill eatery, and was a popular college student hangout when I was a student a few years ago and apparently still was. The interior walls were lined with numerous flat screen TV’s showing various sporting events, and the place proudly displayed its local college team ties with mascot logos and signed football jerseys. Even the menus featured dishes named after the local university football and basketball coaches’ names with ingredients that supposedly reflected their personalities. The place looked like a three way cross between an Applebee’s, an ESPN zone, and a Hooter’s restaurant (the waitresses at least).

After given the dinner menus by the perky waitress, my friend and I looked through the menu and picked out four dinner items – two entrees and two appetizers. I don’t remember the exact name but I ordered some type of special pesto pasta dish and a side order of sweet potato fries, and my friend ordered some type of grilled chicken sandwich with an extra side of onion rings. I remember glancing at the prices briefly, but usually I don’t usually pay much attention to individual prices until I get the bill. After we got our food, finished it, and asked for the bill – I was completely blown away by the final amount. Including sales tax, the bill came out to only $14.23! At first I thought there must have been some mistake – surely the waitress must have only calculated one of our orders and forgotten to include the other person’s dinner entree and appetizer. But after punching some numbers on my cell phone calculator, I realized the final tab was computed correctly – it really was that cheap.

While some of you out there who live in rural or lower cost suburban areas may not think this is all that low for the cost of a dinner for two, in my neck of the woods of Washington D.C. and Maryland, this is exceedingly cheap. I was mentally expecting a total bill to come out at around $35.00-40.00 or more, especially since we also ordered appetizer sides and the fact it was dinner pricing, which is usually substantially higher than discounted prices during lunch time. So when I saw the low cost, I was ecstatic and elated at the tremendous cost savings.

Local Non-Chain Restaurants That Appeal To Cash Strapped Students Feature Much Lower Menu Prices

After pondering about it for a bit, I realized why prices were so comparatively low at this particular restaurant. In fact, it wasn’t just that particular restaurant that offered much lower prices. Most of the other local neighborhood college town area restaurants, bars, and dining cafes offered similar competitive pricing as well. The reason for the cheaper pricing was because these restaurants catered heavily to the local state university campus a few blocks away, and as is understood, college students generally have a very limited financial budget to work with. While working adults and graduates presumably have full time jobs and income, college students tend to be more cash strapped and limited as to how much they can afford to spend. To cater to this category of lower income clientele and offer competitive food pricing, these college town restaurants must offer heavily discounted prices. While to the students, the prices were set just right and accurately priced to fit their market, to working adults like my friend and I, the dining prices were remarkably low. The different perspectives in pricing would be like some city slicker businessman from New York City, accustomed to paying $12-$15 for a single lunch deli sandwich everyday, being instantly transported to the boonies of Nebraska and finding sandwiches prices as low as $3 each. It’s a frugal person’s heaven and jackpot to be able to find such a hidden treasure trove of underpriced goods.

However, based on my view, the tremendous price savings are only available and offered at locally run off-campus hangouts. Brand name chain restaurants like Applebee’s, TGI Fridays, or even coffee shops like Starbucks continue to offer the same high rip off prices they offer elsewhere. If you are looking for college town dining savings, you won’t find them at chain restaurants or national retail shops. You’ll have to go to some popular local bar or grill restaurant to get the great student level pricing.

Also, it seems the arbitrage price savings can usually only be found at community or local state universities and colleges. If you visit a private university or one that imposes notoriously high tuition rates, you are unlikely to find too many deals when it comes to dining or eating out. This is probably due to the richer and wealthier student patrons that enroll in those types of schools. As a result of the deeper pockets that these students come to school with thanks to their wealthier parents, they have a lot more disposable spending money to blow on entertainment and food. As such, even the local mom and pop restaurants located near private college and university campuses can afford to offer expensive items on the menu and still adequately compete for customers. Public state school students tend to be more frugal and more cognizant about prices. I would know – I graduated from a public state university. My friends who attended neighboring private colleges and universities tended to be more wasteful and lavish in their spending – and as a correlation, restaurants and cafes located their private school campuses tended to price themselves high to capture this higher income demographic. Finding exceptional dining deals around their schools was usually quite a challenge if not impossible.

Of course, the one greatest downside (or upside depending on what you’re looking for) is the sheer number of rowdy students that are bound to flood these local college town restaurants when school season starts. We ate there during the summer and despite the presence of a few summer students and local residents, most of the locally owned restaurants and cafes were rather empty and vacant. I’m sure when September rolls around and school starts, the place will be filled with hordes of drunken college students and fraternity pledges from the neighboring fraternity row just a block away from the area restaurants – all looking to party it up.

These days, you can buy pretty much everything under the sun online. All it takes is some fancy keyboard typing and mouse clicking, and you can Google your way to an ideal product that offers both perfect features and perfect pricing. Theoretically if you wanted to, you could put yourself under house arrest, never venture out of your house again, and still live a relatively comfortable and convenient life by surviving on supplies and groceries ordered through the Internet. All you would need is a trusty computer or laptop, equipped with a reasonably fast high speed internet connection, and you would be good to go. With the emergence of online bargain shopping, consumers no longer have to pay the higher retail mark up prices due to overhead costs found at brick and mortar stores. Consumers are now free to go with online merchants who are passing along their own cost savings to online customers due to not having to pay extra expenses associated with maintaining physical retail locations. On the whole, prices found online for the exact same product otherwise available in a regular real life retail store are almost always lower. Frequently, the cost savings can be tremendous – as much as 10-25% savings simply by ordering the desired product online rather than purchasing it at a corresponding retail store location.

Unfortunately, there is one significant and readily present downside to shopping for products online – the inevitable wait time and frustrating inconvenience of having to wait around for days and weeks for the delivery to be made. Depending on the shipping option chosen and the actual distance separating the online merchant and customer, the wait time can be anywhere from as quick as 3 days to as long as 3 weeks for more expensive back ordered merchandise like custom built computers. Of course, one could always speed up the delivery process to overnight delivery status, except the much higher price of expedited delivery would just pretty much negate the intended cost benefit savings of online shopping to begin with. With gas prices overpriced and soaring as they are, future shipment and delivery prices are anticipated to see increases in the coming years.

Despite the Discounts and Savings Associated With Online Shopping, Forced Delayed Gratification Is A Pain In The Butt Cheeks

I’m currently a huge and almost obsessive online shopper, particularly with popular online auction sites like eBay (I like to call myself, an eBay Powerbuyer). My goal and objective since the advent of the Internet has always been to maximize my money by taking advantage of all online bargains and arbitrage cost saving opportunities whenever possible. Over the years I’ve turned to my tried and true eBay bargain hunting approach for such things like heavily discounted subway debit cards, expensive laptop electronics, and bulk pet food. By combining inherent online price discounts with cash back shopping sites and free promotional coupons found online, I’ve generated significant cost savings for myself over the years. Recently I’ve even tried to see if I could garner some extra tiny savings by utilizing online grocery delivery programs like Stop & Shop and Giant Food’s Pea Pod service and Safeway’s supermarket delivery service, but I’m starting to wonder if I’m going overboard with the whole online bargain hunting obsession.

While I’ve managed to save quite a bit of money for a long time due to my online shopping practices, I’ve had to learn and force myself to hold back my instant gratification urges. For example, when I suddenly needed to buy a GPS device immediately for my car, my frugal mentality dictated that I head to eBay and Google Products to perform a few hours of thorough price comparison shopping. Eventually I settled on using eBay to maximize my purchase price savings. However, the whole buying experience took up to 2 and a half weeks to secure my product online and to finally receive it in the mail. Not only did the auction bidding process take nearly a week of several failed bid attempts before I finally won my bid, but it also took more than a week for the item to get delivered and shipped to my address. While sometimes the compulsory delayed gratification is helpful because it prevents me from hastily snapping up newly released and grossly overpriced electronic gadgets during their maiden introductions, the mandatory wait time from delivery to receipt can be a major pain and inconvenience, especially when you need to use the desired product sooner than later. Now I’m starting to wonder if the online cost and supposed time savings are worth the great inconvenience and terrible hassle of having to wait so long. Instead of being able to see the physical object and walk out with something in my hand, shopping online offers me only a confirmation email and a claims ticket for something I won’t receive for weeks.

While Online Shopping Sites Will Always Offer The Best Prices, Sometimes You’re Better Off Paying A Little Extra At Brick And Mortar Retail Stores

While I used to think that shopping online was a time saver in that the buyer did not need to waste time getting dressed, hopping into their gas guzzling car and driving the miles needed to get to the local mall or retail store, I’m starting to realize that for certain smaller ticket items, or things more urgently needed, the time savings of shopping online is sometimes only illusory. While websites offer many more options for consumers, sometimes the graphic intensive sites offer way too many confusing choices. While browsing speed is no longer an issue due to faster broadband Internet download speeds, trying to navigate some of these product and feature heavy websites from only the four corners of the computer monitor screen can be a burden. Oftentimes it’s just easier and more simplistic to drive to the store, walk around the shopping aisles to inspect your choices with your physical naked eyes, or ask a live customer service person for help, than to buy online.

While shopping online is great because you don’t have to pay sales tax most of the time (this former benefit might be disappearing soon in the future) and prices are generally lower, I think there may be times when the ability to walk out with what you want immediately is worth the extra cost. I realized I was starting to take the whole online shopping deal a little too far when I found myself willing to wait one and a half weeks for a $12 handheld Sony FM radio that I found online, instead of buying it from a live Best Buy location for $15 – for a mere total cost savings of $3. All in all, I think buying very expensive electronic products online makes a lot of sense, but for smaller, cheaper day to day items, buying online just isn’t worth the hassle or inconvenience anymore.