If you have a TSP/401k/403b/457/IRA and are invested in a Total Stock Market, S&P 500 index or Large Cap fund, chances are you're a shareholder.Are you a shareholder? Why else would you care about their profits?
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If you have a TSP/401k/403b/457/IRA and are invested in a Total Stock Market, S&P 500 index or Large Cap fund, chances are you're a shareholder.Are you a shareholder? Why else would you care about their profits?
I check my bank account, and realize I feel a lot happier than I would feel using any of the absolute newest Apple-devices. Seriously, saving is underrated.
If you can't afford to buy an iPad in the future, that probably means you should've saved more now. For $40K of annual spending (inclusive of income taxes) over a 30 year retirement, you're going to need around $1M. The $1K or so for a top of the line iPad seems pretty paltry compared to that.None of us are getting any younger. Depriving yourself of some amazing products when you can afford to buy them is utterly senseless. Apple is doing incredible work, and the thought of missing out on new Apple products and experiences in the name of saving money terrifies me.
I'm more spender than saver so I use artificial scarcity. Money intended for savings goals (~20-35% of gross) is automatically deducted from the paycheck/primary checking and goes to savings or investment accounts in separate institutions (CapOne for emergency fund, Vanguard for investments). That way I don't "see" the money in the first place. The rest is used to pay bills and I'm free to spend whatever is left over however I like. Sometimes, I use it for international trips, other times vacations to Disney/Universal. So for me, the question isn't really whether I'm saving $1,000. It's whether I'd rather spend that $1,000 on an iPad or if I'd rather use it for nicer accommodations or to upgrade to business class seats. Most of the time, tech wins.This is an Apple forum--I know that and respect it--but what do some of you guys do to battle this intense desire to purchase the latest and greatest? I know that Apple banks on these sorts of vacillations, and damn it, I don't want to give in. When a company has this much mindshare, it feels less like "hey, I'd like to have this product" and more like a neurosis.
Apple is doing incredible work, and the thought of missing out on new Apple products and experiences in the name of saving money terrifies me.
Where is the actual waste in this process, though? The product is not wasted, it is resold by the company. Time is not wasted, it was spent towards the decision. Money is not wasted, you get the full amount back.Somehow people manage to buy cars. Its an example of making decisions on expensive technology without actually using it in one's daily life. Tech companies have encouraged the try to buy practice with liberal return policies. I am only pointing out the waste involved and how it could easily be avoided. I am against waste and for rational decision making
Where is the actual waste in this process, though? The product is not wasted, it is resold by the company. Time is not wasted, it was spent towards the decision. Money is not wasted, you get the full amount back.
This pretty much. Returns get shipped to China for testing/refurbishing and are either sold as Certified Refurbs or used as warranty replacement.Packing material, I suppose. Plus the time and labor for processing and repackaging the returned unit for resale.
Where is the actual waste in this process, though? The product is not wasted, it is resold by the company.
Think you need to check The meaning of the word terrify old boy.None of us are getting any younger. Depriving yourself of some amazing products when you can afford to buy them is utterly senseless. Apple is doing incredible work, and the thought of missing out on new Apple products and experiences in the name of saving money terrifies me.
On guitar forums they call this GAS - Gear Acquisition Syndrome. The hunt is more exciting than the kill, sometimes.
Sounds like you have bad GAS![]()