Money Blue Book

The other day I shuffled past my pet parrot’s metal cage and casually glanced at him. He looked up at me and smiled. Well he didn’t actually smile - that would be weird, not to mention it would be an exceedingly remarkable feat for a bird to do - but he did seem to want to tell me something. I glanced down at the bottom of his cage and realized what he was so antsy about - it was time for me to clean his bird cage. The bird poo clumps and endless feather fluffs were starting to dirty up the bottom lining of his cage and it was time to replace his bird bedding. So before cleaning his bird cage, I went and did what I’ve been doing for the last 10 or so years - I went to the supermarket and bought a copy of the Sunday newspaper to use as bird cage lining. When I got home and proceeded to clean his cage, dumping out the old newspaper sheets that held his former poop droppings, an interesting thought occurred to me. Although I’ve been buying newspapers regularly and consistently for many years now, I haven’t once actually sat down to read one. It seems the only reason I even have them around in the first place is to use them to line my pet parrot’s bird cage. Over the years I’ve learned that newspaper print pages contain the perfect combination of non toxicity and biodegradable composition that is uniquely more absorbent than ordinary paper sheets when it comes to bird cage bedding purposes. But that’s pretty much the extent of my current newspaper usage.

Technology And The Internet Are Steadily Replacing The Out Dated Practice Of Getting News From A Traditional Newspaper

Does anybody actually read the newspaper anymore? I’m not talking about CNN.com, NewYorkTimes.com, or Washingtonpost.com - I’m talking about old fashioned plain paper print media. Most people I know who have had any exposure to computers and technology now get the bulk of their written news and entertainment updates from the Internet. Almost all major established newspaper publications nowadays operate their own websites filled with plenty of free content rich text to satisfy even the most information hungry and voracious of readers. With the heavy push towards Internet based news, it seems the traditional newspaper is slowly becoming a thing of the past due to its inability to keep up. Technology and the World Wide Web simply afford readers too many conveniently free reading options at their fingertips for present adopters and future generations to ever turn back to that age old print medium.

Even commercial advertisers are steadily following former newspaper readers out of the door and gradually putting their advertising dollars into online website banner and pay per click advertising solutions where online technology allows the ads to be strategically targeted to the exact demographic consumer the advertiser hopes to reach. Online free classified services like Craigslist have also struck huge blows against whatever remaining classified advertising potential that newspapers may have had left. It’s only a matter of time before the end of the newspaper as we know it.

I challenge you to find any one under the age of 35 these days who still enjoys reading from a traditional newspaper. The practice is simply boring and dry. In contrast, by going online, not only can I utilize news aggregation services like Google News and Yahoo News, and pull RSS news and blog feeds from hundred of respected news sources instantly, I can actively participate in online discussions by posting comments and offering my two cents about important issues I personally care about. Through the Internet, I can read all the primary points and counter points immediately to get the complete picture of what is going on in the world of current events. Who wants to get information from just a single slow moving and potentially biased newspaper publication source?

Unlike paper newspapers, the Internet also updates its archive and collection of news stories virtually instantaneously. Breaking news stories can be released to the reader as soon as they happen. When the Islamic terrorists hit the New York City World Trade Center on 9-11, internet news pages broke the announcement almost immediately. Traditional print newspapers simply can’t complete with that level of quickness and would not have been able to report on the story until at least the day after. Things have changed a lot since the baby boomer days. We are now living in a rapid fire instant news era. We want our news fast, and we want it free. Only the Internet can promise and deliver such instant informational gratification.

The Rise and Growth Of Bloggers and Blogging Will Only Further Change The Face of Journalism and Traditional Newspaper Reporting

The Internet age has also spurred on the growth and reach of the casual online blogger, and hastened the gradual decline of so-called legitimate press reporting media as we know it today. Legions of both amateur and professional bloggers, including personal finance bloggers such as myself, are doing our part to contribute to the whole information revolution comprised of all sorts of biased and unbiased viewpoints. As a whole, the ability of bloggers to reach a wide array of readers will only help spread the word of informational truth on a larger scale. Individually, we perhaps may be biased, uninformed, self-motivated, and personally skewed to our own predilections, but as a whole, citizen journalists help to positively expand the wealth of societal information available.

Of course there will always be anti-technology, Armageddon inspired naysayers that will want to cling on to print newspapers like a security blanket. The ridiculous argument of some that we still need to preserve the newspaper tradition because of what might happen if technology ever failed or satellites get blown out of the sky is just plain silly. That’s like saying we all should preserve the tradition of burning wooden logs at home because of what might happen if electricity ever permanently failed and we fell back into the stone age. It’s just not going to happen.

Despite The Growth Of The Internet, Newspapers Will Probably Not Disappear For A Few Decades, So Long As There Are Old Fashioned Folks Who Insist On Clinging Onto Their Old Ways Of Living

Since the rise of the Internet, even my own technologically clumsy parents have started to slowly embrace the Internet as a primary source for getting their daily dose of news, political commentary, and current event updates. However, like many of the baby boomer generation, they still prefer to resort to their old accustomed ways sometimes. While they’ve gradually started to use the Internet more and more in everyday life, my dad still goes out to the local convenience store every morning (as he’s done for decades) to buy his daily newspaper to take home to read. For him and those of the older generation, they probably get some semblance of habitual and familiar comfort by handling tangible things that they feel like they still understand - like paper newspapers. I think my dad still enjoys the timeless practice of reading the paper on his daily subway commute to the office instead of having to squint his eyes for hours at a time in front of a flickering computer screen.

But in the long run, the seemingly unstoppable reality is that as times passes, there will be less and less of individuals like my dad remaining to carry on the newspaper reading tradition. But at least for now, newspapers probably won’t disappear for years, so long as there are senior citizens, baby boomers, and stubborn technology Luddites who are not accustomed to the new technology of computers still around (is it really all that new anymore though?). While I see the newspaper form in inevitable decline in the future, perhaps the future isn’t now. It seems typical that futurists such as myself always seem to predict the future will arrive sooner than it actually does.

But even a futurist, and an early eager technology adopter such as myself must acknowledge that newspapers will be missed. After all, without newspapers around, where else am I supposed to get my Sunday paper grocery store coupons? The ones I see in magazines and loose leaf advertisement mailers and flyers aren’t as good as the ones I often see in my Sunday paper coupon bundle. And yet more importantly, without newspapers, what will we use to line bird cages and train puppies on? What will we use to wrap fish, or crumple up to use as cushion for the insides of boxes during a move or use as stuffing for packages? Computers, monitors, and keyboards simply aren’t as absorbent or cushiony, not to mention as cheap or plentiful.

These days, nothing lasts forever. Unless the item in question is one of those seemingly indestructible NASA Mars Rovers that are still chugging along the Martian surface despite having already greatly exceeded their original lifespan - or if the item is a substance or product that doesn’t have any oscillating mechanical moving parts such as a compact disk or a gold bar, the item is bound to break down, corrode, or malfunction eventually. Despite the millions of dollars spent on improving the quality and lifespan of products, it seems all mechanical devices are destined to break down inevitably, and oftentimes when you are least prepared.

As discussed in a recent post, out of nowhere I recently experienced a vehicle breakdown in the middle of the night. While I was waiting in my car with the engine still running the motor suddenly stalled, and all dashboard controls and indicator lights stopped working. Turning the ignition key was met with cricket chirping silence, and even the electronic door lock stopped responding to my unlock button pressing, causing me to worry momentarily. At the time I grew concerned as I wasn’t sure how I was going to get out of the vehicle without a working or functional electronic door lock. Then I laughed and realized I could manually pull up the door lock tab to open the door that way and use the metal key to manually lock the car door again. It’s funny how I’ve grown so dependent to using the key less lock clicker that I’ve almost forgotten how to lock and unlock the car door manually.

Well, after taking the car to the repair shop, I found out that the engine alternator had broken down and that the car battery also needed replacement. I don’t know about you but all of the cars I’ve owned in the past and present seem to enjoy eating alternators for breakfast. Not sure why that is the case. Such types of vehicle breakdowns alarm me because you never know when they may happen. It’s one thing to have a vehicle malfunction close to home, but it’s a whole different matter to break down somewhere far away on a major highway during a heavy rain or snow storm for example.

While cars, trucks, and vans are made up of a thousands of small to large electronic and mechanical components, there are probably only a handful of critical parts that have the potential to make or break your vehicle’s performance immediately and completely. Components like your break disc and break pads get worn down naturally over time through continuous use and need to be replaced regularly, but worn break pads are rarely critical to your car’s immediate performance. Having thin pads won’t cripple your vehicle or cause it to immediately stall, forcing it to shut down in the middle of the road. Along the same lines, proper engine oil changes are important to ensure the proper lubrication of your engine performance, but even timely oil changes aren’t critical. While lack of regular oil changes have the potential to cause excessive wear to your engine over time and ultimately lead to mechanical problems down the road, failure to get one won’t immediately prevent your car from starting or driving. Those types of less imperative maintenance concerns are more long term and cumulative effect issues.

However, there are certain very important car components that drivers must keep their eyes on. These critical engine and vehicle components have the potential to force your car to a complete stop if you’re not careful with proper repair and replacement. It’s important to know what they are to ensure they are properly maintained and checked during regularly scheduled maintenance. Some of these critical vehicle breakdown problems can be prevented, while others are somewhat inevitable in the long term - but it’s still important to know what they are to better plan for and anticipate their future occurrence.

Here Are The Top 5 Most Common and Likely Causes Of Crippling Vehicle Breakdowns:

1) Broken or Blown Alternator - You know you likely have a broken alternator when your car suddenly powers down when it is idling or when you are unable to elicit any response out of your car. By then, your battery will likely have drained itself of all electrical power and everything in your car that requires electricity to operate will have ceased to function - including car radio, wind shield wipers, indicator lights, and even your key less entry system.

The alternator is a tiny but vital component found under the hood of your vehicle’s engine compartment. Its primary function is to produce alternating current for the majority of your vehicle’s electrical systems, and to keep the batteries full. While your car battery provides some needed electrical power, without a means to re-charge it, total reliance on the battery alone will drain it in a matter of minutes. To prevent this from happening, vehicles need a functional alternator to continuously convert your engine’s mechanical energy into electrical energy to keep the battery recharged so that continuous electrical power can be supplied to your car. Frequently, vehicles can keep running even with a blown alternator by drawing electrical power directly from the battery until it’s completely sapped and depleted. However, continuing to drive on the street or highway with a broken alternator is extremely dangerous and should be avoided at all cost. You may be able to use jumper cables to give the battery a quick temporary charge, but with a faulty alternator, your car will only be able to travel for a short and unpredictable distance before cutting out completely.

For most ordinary folks, there is little that we can do to maintain the component ourselves, other than to use our eyes, ears and gut feeling to detect the signs that may suggest a dying alternator. Keep an eye out for weakening electrical components or dimming indicator lights when the engine is idling. If your headlights or internal indicator lights start to fade or flicker, you may have a faulty alternative on its last legs. If your windshield wipers or car engine seem to be sluggish or underpowered, your alternator may be breaking down. Don’t be like me and wait until it’s too late before getting it replaced. Two times in the past I ignored the warnings signs of a possibly faulty alternator and twice I ended up with a sudden vehicle breakdown. It’s best to get the damaged alternator repaired or replaced at the time of your choosing than to experience a sudden malfunction out of nowhere.

2) Damaged or Worn Car Battery - Don’t you hate it when you hop into your driver’s seat, turn the ignition switch and hear only a whirling sound but no engine startup. Along with a broken alternator, this is one of the most common reasons why your car is unable to start up or run properly, but it’s also one of the easiest problems to fix and patch up. If such an occurrence happens, chances are your battery has either died or lost its ability to retain a charge. Car batteries can lose their electrical charge for a variety of reasons and one of them is simply old age. Depending on your type of vehicle, your battery will have to be replaced a few times throughout its working lifespan. But there are other reasons why they run out of juice as well. If you’re the type who drives very rarely and only for very short distances at low speeds, your battery may have trouble keeping itself charged due to your sporadic driving habit. The recommended solution is to run long distance errands to give it the routine opportunity to properly regenerate itself.

Brand new and perfectly normal batteries should be able to retain a strong charge that will allow the vehicle to start up easily. It requires a lot more electrical power to start up a car than it is to keep it running. If you’re noticing that it’s taking a few turns of your ignition switch to start up your engine, your battery may be losing its potency. It could the one of the battery terminals, or perhaps one of the clamp connections are corroded. Either way, if you’re a do-it-yourself type of person, replacing your car battery can be done on your own (assuming you can handle the weight of the battery itself - anywhere from 15-35 lbs). A brand new car battery only costs between $50-$75 and is fairly straight forward to install, at least according to my self-proclaimed vehicle expert brother. I’ve never done it myself but I’ve heard that car batteries are not all that difficult to remove and latch back on.

I also recommend that all drivers carry a spare set of jumper cables in their trunk. Jumper cables are really cheap - only something like $5.00 on eBay. If you don’t want to use eBay, your local Walmart or Target should have a cheap set for around $15. Don’t bother paying for quality as they are all the same. With your own set of jumper cables, anytime your battery runs out of juice, any working car can supply a temporary electrical charge to get your car battery going again.

3) Broken Starter Motor - For most people, a broken starter motor problem is easily confused with a battery or even an alternator problem. Here’s how you can tell the difference: If your headlights or dashboard indicator lights are running strong without flicker, the radio is still working perfectly, your air condition is still operating fine, and your key-less locking mechanism still functions, and yet you are still unable to start your vehicle, it is likely a starter motor problem. When you turn your ignition switch and all you hear is a continuous whirling sound despite your electrical components working normally, your starter’s likely damaged or busted. With a failed starter motor, your car won’t be able to start. Like the alternator, it’s hard for ordinary people to really prevent the starter motor from breaking down over time. Your best solution is to have the starter regularly inspected in a repair shop for signs it may need replacing.

4) Flat Tire - When you have a flat tire, your car is pretty much un-drivable, unless you are crazy and don’t mind grinding up sparks along the pavement on your wheels and rims alone. Even slapping on a temporary spare can only get you so far. Your goal should be to keep your primary vehicle tires well inflated and maintained. Getting a flat tire is a common problem for those who drive frequently or those who travel on difficult terrain such as unpaved roads, rocky surfaces, or over pot holes. All of those bumps, stray pebbles, and jagged metal plate coverings on road surfaces take a cumulative and aggregate tole on the material integrity of your tires.

Every few months you should use your trusty air pressure gauge and run a quick check of the air pressure level of each tire to make sure each one is properly inflated. Keep in mind that the front and rear tires often require different PSI (pounds per square inch) levels. Your vehicle owner’s manual should indicate the exact tire pressures needed for your front and back tires. Under-inflated tires are one of the biggest causes of tire wear and tear because the weight of your vehicle bears down on them in a malformed way they weren’t fully designed to handle. While tire inflation tends to rise and fall with the temperature (becoming more inflated in hot weather and sagged during cold), if your tires are perpetually losing air pressure over time, you may have a serious problem. There could be a tire puncture wound from a sharp rock or nail, or the tires may simply be too old. Keep in mind that even seldom used tires that are kept out in the open air under the rain and snow still gradually lose their strength and durability over time. Replace them when they are worn and don’t keep using them when the tire treads are visibly cracked or distressed. You don’t want to ever experience a catastrophic tire blow out when you’re driving at high speeds. That’s how accidents and even car rollovers happen.

5) Running Out Of Gas - Unless you are lucky enough to drive one of those new electrical, ethanol, hydrogen, or even one of those tasty and nice smelling vegetable oil powered vehicles (yes, they exist!), chances are your vehicle consumes gasoline to power itself. Without gas, your oil-powered car or truck won’t be able to run. Avoiding the problem of running out of gas should be a piece of cake if you exercise common sense. If your fuel indicator light ever comes on, you likely only have a single gallon of emergency backup gas left in the tank. At that point, don’t risk driving away from the nearest filling station in search of lower gas prices when your fuel tank is running low. Get that car fueled up sooner than later and don’t take your chances on the road. I know gas prices are high, but there are ways to deal with that hurdle more responsibly (such as purchasing gasoline using gas rebate credit cards to earn cash back rewards). Don’t force yourself to end up having to walk to the nearest gas station like some highway vagrant and lug back gas in a heavy red rubber container. It’s inconvenient and dangerous.

Well it was bound to happen and it finally did. My trusty 2004 silver Honda Accord that I purchased brand new during graduate school finally died on me. I think there are several valuable lessons to be learned here, and one of them is that nothing lasts forever. Particularly if it’s a man made machine with moving parts susceptible to corrosion and wear and tear, the mechanical device is bound to break down sooner or later. No matter how reliable the vehicle brand, the quality of the materials or products used, or even how skilled the engineers that built the cars are, the fact of the matter is that cars, like all that is based on technology, inevitably wear down. But despite this inevitability, I’m still rather surprised that my car broke down so early on in its lifespan. My Honda Accord was only a 2004 model, with just 60,000 miles on it - the vast majority of the mileage accumulated through long distance interstate highway driving. I don’t use it to commute to work so it’s not like it was subjected to the rigors of stop and go driving, or exposed to the frequent acceleration and breaking style driving of bumper to bumper traffic. That’s why I was so shocked when my car suddenly broke down this weekend.

Responding To A Sudden Car Breakdown and Engine Stoppage In the Middle Of The Night

For the last few days my car sounded sluggish and felt a tad underpowered whenever I stepped on the gas pedal, but I didn’t pay it too much attention. I brushed it off as just some quirky engine performance issue - nothing to worry about, or so I thought. This weekend, while I was about 30 miles away from home, my car suddenly stopped running - the engine simply wouldn’t start. At the time it happened I was waiting for my friend at a church parking lot with my car engine running when all of a sudden the engine stalled, much to my surprise and dismay. I futilely turned the engine key to get the engine started again but there was no response. The car radio dashboard lights flickered on and off a few times then went black with one last struggling gasp into darkness. Immediately my heart sank as I realized what had happened. The busted culprit - a broken alternator.

The same mechanical problem issue happened during my old college days with my old Toyota Corolla. Both times my engine was running normally when it suddenly shut down inexplicably for no apparent reason. Both times the cause of the system shut down was a blown alternator. The alternator is an engine component that converts fuel powered mechanical piston energy into electrical energy. It is the device that ensures that your car battery is continuously re-juiced and has sufficient power to keep your car running smoothly at all times. Without a proper and functional alternator to keep recharging the car battery while the car is in motion, electrical power would be drawn directly from the battery until it was completely sapped, at which point the car would immediately cease to operate.

Even though I could use my jumper cables hooked to my friend’s engine to temporarily recharge my car battery to get it running again, the momentary charge would only be temporary. Relying on electricity drawn directly off my car battery without the benefit of continuous recharging by a working alternator, my vehicle would probably only be able to function for a few minutes before powering down. Driving on the open road at that point, even for a few minutes, could be exceedingly dangerous as it was unpredictable when the car engine would suddenly cease to function after the temporary charge.

Unfortunately at the time of my sudden engine breakdown, it was close to midnight - around 11 p.m. on a Saturday night, and it was pretty dark out. Tackling this unexpected and immediate transportation problem was going to be a major hassle, both personally and financially. It had been a while since my car had last broken down so I had to recall how to calmly respond to this dilemma. Thankfully for the moment at least however, my car was safe in the church parking lot, as it was situated in a proper parking spot with the engine running when it suddenly shut down. At least there was no danger of the vehicle’s presence interfering with the flow of traffic or face immediate need to be towed to some other location. For the immediate future, I could leave my car parked where it was. Thankfully yet again, the night temperature was fairly warm and there was no danger of thunderstorms, rain, or anything that could hamper my recovery effort.

Since my car was in no immediate danger, the next step was to decide how to get the vehicle to the repair shop to get fixed. I had to find a way to get it towed to a nearby service center. Being unfamiliar with the immediate area I was in at the time and skeptical of random mom and pop repair shops, I decided I had to get it towed to a Honda car dealership, preferably one near my home. There was a Honda dealership and auto repair shop only a few miles away from where I was at the time, but who knows how long it could take the dealership to get the requisite auto parts and fix my vehicle. For convenience sake, I needed my car brought to a repair location closer to home that was also public transportation or Metro subway accessible.

Another problem was finding a reliable tow truck driver on the spur of the moment. I didn’t have auto service membership through AAA or anything like that so I needed to find my own tow truck provider. I decided to dial 411 for general information and locate the local non-emergency phone line for the county police. After speaking to the county police over the phone, I secured the phone number for a recommended local tow truck company. Unfortunately, after calling up and speaking to the towing company, I learned that almost all local Honda dealerships chain up their front lots at night, preventing broken down cars that need repairs from entering their service parking lots. Until the morning at least, my car would have to remain at its present safe location. Fortunately at least, I wouldn’t have to pay any immediate impounding fees or towing charges to get my dead in the water car off the road, or anything like that.

My Dealer Service Shop Experience and The Pain Of Paying Inflated Rip Off Prices For Car Repair

So the next morning I returned to my car and called the tow truck driver to show up with his flatbed and tow my broken car 35 miles back to my neighborhood Honda dealership. The price for towing certainly wasn’t cheap. The cost for towing was a combination of $65 right off the bat for the initial vehicle hook up, and $2 for each mile driven. The final cost of towing came out to be $140. As much as I hate tow trucks in general, this particular driver was friendly and helpful. It certainly helped the trucker’s credibility by the fact that his company was recommended by the county police and it also accepted credit card payments, as all reputable merchants should. In the past, I’ve encountered shady tow truckers that demanded cash payments only, even driving me to an ATM one time so I could withdraw the appropriate amount of cash for payment. This time, I felt slightly ripped off for having to pay so much, but considering the towing distance traveled and the rising cost of gasoline, it seemed somewhat reasonable.

However, after leaving my car with the Honda dealership for service evaluation and cost estimation, the rip off pricing began. I received a call the next day from the Honda dealership telling me that after looking under the hood, it was determined that I needed a new replacement alternator and car battery (as I had earlier surmised). The total cost for parts and labor - about $1,200 (almost as bad as the $1,000 speeding ticket I received nearly a year ago). I nearly fell out of my chair in disbelief when I heard the projected price quote. I had run my own Google search earlier to educate myself on auto part pricing, and my estimation for the price of a brand new factory alternator came out to around $200 - $300 at the maximum. The dealership was charging me a ridiculous $800 alone for what the service agent referred to as “a very expensive part”. As for a typical car battery, a brand new car battery usually costs less than $75. For the cost of a new battery, the dealer was basically charging me more than double the normal retail price. Obviously I expressed my great displeasure at what I regarded as outrageously inflated rip off prices, but what could I do? I wasn’t a car mechanic, I didn’t have personal or referral connections with any reliable affordable car repair shops, nor did I know where else to get my car repaired reliably. Besides, having already spent $140 just for the towing alone, I wasn’t too keen on paying another $100 or so to tow it somewhere else while I shopped around for better prices. So against my better frugal judgment, I grudgingly gave my consent, grumbling all the way.

Unfortunately, car repair shops are one of the greatest money making schemes around. The dealerships aren’t exactly running scams because they usually do perform decent work, but the prices they get away with charging are completely outrageous. Dealerships receive a lot of service repair business because people such as myself tend to be leery about trusting unknown places for their car maintenance and service work. Because people who bring their broken down cars in for repair are often helpless folks like me, dealerships can and frequently do take great advantage of such desperation by charging like crazy for nearly every auto repair service and imposing greatly inflated prices for parts. If I had a cheaper alternative, I would certainly have taken it, but I didn’t have another backup option. Because the alternator is a key component necessary for car performance, I ruled out the idea of getting the spare part from a local auto junk yard like I did with the auto glass repair of my previous vehicle.

A Few Things I Learned From My Car Break Down, Towing, and Auto Repair Experience:

1. While I was somewhat upset at my car alternator suddenly dying on me, I’m extremely thankful that the component stopped working while the vehicle was situated in a parking lot, instead of somewhere along a busy highway during a heavy rainstorm or even during a snow storm in the middle of nowhere.
2. After speaking to the tow truck driver, I learned that it’s not always necessary that the driver of a vehicle show up to authorize the vehicle be towed to the dealer repair shop of his or her choice. Apparently, I could have simply phoned in the towing order and had my broken down vehicle towed to the requested dealership without the need to be actually present. Reputable car dealerships will usually gladly pre-pay tow truck drivers for bringing in broken down vehicles for repair as they get the opportunity to get a new customer like myself from whom they can rip off/make money off of. The pre-paid towing fee is usually recouped later on by tacking it onto the final service repair bill. Of course, the one downside of not being available to open the car door with your key is that instead of allowing the car to gently roll onto the tow truck ramp in neutral drive shift, the tow trucker will have to forcibly drag your parking braked car up the ramp with the towing crane.
3. I need to find a reputable tow truck company in areas that I frequent. You never know when you’ll need a tow truck to pull you out of a jam. However, it’s important to beware and watch out for shady tow truck companies that refuse to accept credit card payment. They tend to be less trustworthy and prone to charging randomly assigned towing rates.
4. I should seriously consider signing up for American Automobile Association (AAA) membership, at the very least for the peace of mind road side assistance they offer. The $50 charge for annual AAA membership to cover the cost of travel discount benefits and road side assistance protection is easily worth the price paid. If I can waste money on cable TV that I barely use, surely I can spare a few dollars on a road warrior service that will provide me free towing, free battery recharging, and free tire changing services as part of its annual membership package.
5. I need to make friends with more auto repair shops and find a good and reliable local auto mechanic. I feel so ill informed when it comes to vehicle repair. I have friends who are police officers who can give me the genuine low down on the wheelings and dealings of the men in blue, but why don’t I have any car mechanic friends?
6. Honda’s and Toyota’s are not as reliable as I have long held them out to be. I’m starting to think that. Perhaps it’s clever marketing by those companies or maybe it’s simply my bad luck, but the Honda’s and Toyota’s I’ve had in the past have always broken down unexpectedly and prematurely. Aren’t alternators supposed to last the life of the vehicle or at the very least for 100,000 miles? Why do they break down so easily? I don’t get it.
7. I definitely need to replace my cell phone battery to ensure that I always have a reliable phone on hand that can handle extended phone calls during such emergencies. For the last few months my phone battery has been slowly dying and refusing to hold a charge for longer than a few minutes of active talk time. Due to laziness, I failed to replace it timely since I was still able to plug the mobile phone into the electric socket and talk normally at home. However, during my recent car breakdown experience, I had great difficulty maintaining an extended conversation over my cell phone due to the phone powering down constantly only after a few minutes of talk time. Having a working cell phone with a fully functional cell phone battery is definitely a must have in emergency away-from-home situations.

These past few weeks have been tough on me. Not only did my trusty Honda Accord suddenly break down, but I’ve been experiencing major Internet service disruptions at home caused by the incompetence and admitted overselling activities of my current broadband service provider Comcast. For months now, I’ve been plagued by frequent Internet outages coupled with agonizingly slow download speeds reminiscent of my old 56k screech-and-hiss modem days. The breaks in service finally culminated into the complete stoppage and loss of my home Internet signal. Furthermore, the service disruption repair activities were hampered by a series of powerful thunderstorm waves that swept through my area this week, knocking out electricity, cable TV, and broadband Internet service for almost all seven days. While my car was washed and scrubbed sparkling clean by the rain and wind, lightening sparks managed to knock out the power in my neighborhood. Electricity was “quickly” reactivated in 1-2 days, but cable TV and my precious broadband Internet service wasn’t repaired and fully restored until nearly a week thereafter.

For the last few days I’ve been a pretty sad fellow. Not only did I feel isolated and cut off from the real world without convenient home access to the Internet, I haven’t been able to properly update my personal finance blog, nor have I been able to check my email messages, or tend to the operations of any of my online passive income businesses. On a normal weekday I usually receive close to 50 emails a day from a variety of personal and business related sources. By the time my Internet service was finally restored, I was greatly backlogged and had major catching up to do.

I Never Realized How Much I Relied and Depended On Having Home Based Internet Access, Until It Was Suddenly Taken Away From Me

I used to feel this way about TV, but I now have a new love - my computer (and the Internet service it provides me). When my precious Internet is gone, I feel crippled. This is not the first time I’ve experienced an Internet outage due to loss of power, but it’s the first time I realized how much I depended on my broadband Internet service at home. In the past, whenever my cable Internet service was knocked out, I’d simply access my backup laptop’s wireless signal manager and search for one of my random neighbor’s unsecured wireless signal to piggy back off of. Oftentimes I would get lucky and find one subscribed to a different broadband Internet provider that still had active service. While the majority of the stray wireless signals were properly password protected, a few were left publicly accessible. However, as the importance of securing one’s wireless router from unwanted intrusion has picked up steam, I find that most signals today are properly secured and inaccessible to strangers like myself. Particularly in a condo complex such as mine that’s populated by mostly tech savvy young adults and families, finding an unsecured wireless signal to temporarily piggy back off of is proving more difficult nowadays.

Since I’ve been working from home for the last few months, I’m not able to access the web through an alternate location such as an office workspace. So for the last few days during the outage, I visited my local library to get my Internet fix and to keep tabs on my email messages the best I could. Due to usage limits of an hour per day on the computers at my public county library, I wasn’t able to fully respond to all messages during each sitting and frequently had to do the bare minimum when it came to managing my online finances and keeping track of all my wheelings and dealings. Since I’ve adopted the practice of going all electronic and paperless and have converted all my paper bills into e-billing and automatic debit payments, not having immediate home based access to the Internet puts me in an incredibly inconvenient position. It’s a hopeless and powerless feeling when you’re unable to properly manage and access important aspects of one’s personal and financial life in real time. Especially since I am currently managing a major balance transfer credit card arbitrage, not having online account access makes it difficult for me to keep tabs on monthly due dates and stay on top of my minimum payments. If I’m not careful with online due dates, I could easily unintentionally commit a tragic balance transfer mistake and ultimately face terrible repercussions. It’s been so long since I’ve performed paper or phone banking that I’m not even sure how it’s done anymore exactly or where to locate my backup paperwork. I’m simply so used to doing everything online these days.

We’ve Become An Extremely Technology and Internet Dependent Generation

The no-Internet experience left me amazed and somewhat alarmed at how much my life has grown so reliant on the availability of the Internet. While it’s only a single form of technology, it’s a mode of communication and source of information that I’ve become extremely dependent upon. It’s interesting how only about a decade ago, no one had even heard of Google, Yahoo, Mapquest, or CNN.com. Back in the Internet-less caveman days of the early 90’s, we relied on non electronic forms of communication and information gathering. Before the Internet, people relied on daily newspaper deliveries for their written news, people purchased hard compact discs for their music, paper maps were used to plot directions, and people actually obtained background information on a variety of common topics by turning to hardcover encyclopedias.

Today, people rely on CNN.com, NYTimes.com, Yahoo news, and even online blogs to get their daily news. People order songs individually from online vendors like iTunes. People use online websites like Mapquest or Google maps, or utilize handheld GPS devices to easily and automatically get directions to where they want to go. Nowadays, the old volumes of encyclopedias have become extinct as all forms of text and multimedia data have been compiled and stored onto easy to carry around storage disks, or have been uploaded onto online information repositories like Wikipedia. As a testament to its breadth, the Internet is even changing the way we order pizzas now. Today, the trend of ordering freshly made pizzas online in real time through vendors such as Papa John’s is growing rapidly. The Internet has essentially phased out the clutter generated by paper documents, menus, and voluminous booklets.

The Internet Is Replacing The Cell Phone and Cable TV As The Technology We Can Least Afford To Do Without

But with this great reliance comes the dangers as evidenced by how out of place I became as soon as this important technology was taken away from me. Today, with the Internet having enveloped and dominated our day to day lives, and high speed cable and DSL broadband having greatly expanded the media content we can now receive, we can barely function now without this important service. I know I can’t.

Without full Internet access for the last week or so, I became handicapped and only partially functional. In fact, I dare to say that not having access to the Internet was astronomically worse than not having my mobile phone or even not having a fully functional cable TV service. Both cellular phone and television service can be easily replaced and compensated by the power of the web. There are easy ways to make local, national, and even international phone calls for free using a computer and the Internet, and I can easily communicate with my friends and family through instant messaging or via social networks such as Facebook or Myspace. There are also plenty of free online shared videos on YouTube and daily updated news videos on the major news network websites that can replace the lack of TV service. But there is simply no duplicate or substitute for a non working Internet.

The Internet is so pervasive, it’s hard to know what life would be like if it ever disappeared. It’s a wonderful and powerful tool that has changed the way we interact, communicate, and live our lives, but at the same time it makes us very technologically dependent and vulnerable. We are more susceptible to critical financial and societal collapses from computer viral outbreaks or electrical infrastructure disruptions than ever before. Some say it has made us as a society more distant and anonymous to each other, but I disagree. I think it’s greatly improved our lives and has allowed us to reach out and touch others in a way not possible before. We can only hope that technology can continue to defy the elements of mother nature (thunderstorms) and adequately keep up with this never ending appetite for electronic convenience and digital information. Such electrical and service outages as I experienced this week mustn’t happen again. I just can’t bear to be without Internet access for too long. Things just don’t seem to run right or smoothly when I am offline for extended periods of time.