2 To Do Today – Fill Out Rebates

Ever since Black Friday, I’ve written Fill Out Rebates at the top of my to do list.

Depending on the morning, I’ve penned it in blue ink, purple ink, green gel, and black ball point. I’ve scrawled the words on the back of an envelope, on linen paper, salvaged sheets from the recycle bin, and a torn page from a spiral notebook.

I’ve moved the purchases from the right side of my desk to the left, and then back right again. I’ve even piled the crap by my keyboard, figuring the obnoxiousness of it all would spur me into action.

They’re still there, waiting to be done.Rebate

I’m usually very good at this, having those puppies scanned, filled out, UPC’s clipped and at the Post Office within three business days, tops.

This year I’m dragging butt.

It’s only two items – a $13 rebate on a memory card for my camera from Circuit City and a $10 retractable mouse from Office Depot. I’m beginning to understand why the redemption rate is so pathetically low. My inertia has the best of me.

The forms say I have until Christmas Eve and the end of December to get my act together.

I’ll run out of to-do-list ink before then.…

How To Use Your Inner Mildar To Improve Your Net Worth Game

The next time you see people whose appearance doesn’t match their circumstances, instead of crinkling up one side of your nose and going, “Huh?”, sharpen your eyes and say, “Hmm”.

Instead of thinking:

  • What a loser
  • Get some decent clothes
  • Go buy a car that actually has power locks

Ask yourself:

  • Why is this person not working full time?
  • How is he really spending his money? It’s obviously not on clothes
  • How is she choosing her investments? It’s certainly not a fancy house

Mildar helps you identify individuals with significant net worth in spite of their middle class surroundings and to see some aspect of their success as possible for yourself. Simply having more money doesn’t make another’s choices more admirable. It does make it worth your time to check it out.

Mildar focuses your attention on what you value and what you don’t. The point is to get you thinking differently about how you spend your resources and what message it’s sending to others. If you care more about what others think, it will be very hard to be financially free on a five figure salary. Driving a beat up car an extra year or two won’t score any self esteem points, but it may allow you to make some extra debt payments.

Real life Mildar sightings are always more meaningful than examples from books or web sites. When you start to see others making choices you admire that improve their bottom line, you’ll begin to believe some of those decisions are doable for your own situation.

I challenge you to find something positive in even the most McScroogeist affluent person. Regardless if his overall behavior repulses you, I’m confident he is doing something right that you can add to your millionaire psyche. And you never know, there are some nice millionaires out there too.

No matter what you observe, please share your Mildar sightings so all can benefit. I’m especially interested in stories that don’t involve couples, because all of my experience has been with married millionaires.…

Mildar – Think of it as Radar for the Net Worth Affluent

Most of us have seen people in our communities that seem a bit different.

Maybe it’s the couple down the hill, married longer than you’ve been alive. At least twice a month you see them walking their dog while they look at their vacant lot. In all the years you’ve watched, they’ve always worn the same brown, out of style coats. Despite their subdued lifestyle, you also see them sitting together at the library, her reading a book, while he pours over Value Line Investment Survey and Investor’s Business Daily.

Mildar alert

How about the couple across town, married at least 30 years, still living in their first house. You know they have a few rental properties, yet you frequently see them both at Estate Sales and Rummage Sales.

Mildar alert

Or maybe it’s the college educated couple with children. The wife is a friend of a friend so you know her well enough to say she’s not what you would describe as a stay at home mom stereotype. Now that her kids are nearly grown, why hasn’t she gone back to work? Why would she waste her expensive university degree?

Mildar alert

In all three cases, you weren’t quite sure what was going on – only that it didn’t add up. Thank your inner Mildar for screaming its brains out trying to get your attention.

Most millionaires want nothing to do with the Lifestyles of the Rich and Famous. They’re too busy trying to be normal, except with a lot more money in their bank accounts. Whether you realized it or not, you’ve been surrounded by more millionaires at Costco than you’ll ever find at the local Mercedes Benz dealership. With over 8,000,000 of us, we are shopping somewhere.

Remember, it’s not what you see that’s important, it’s what doesn’t add up.

The benefit to you is to begin thinking differently about your own Mildar sightings and to start mentally cataloging the wealthy and how they really live. Personal sightings will have a much greater impact on your future bottom line than any story on the web.…

No One Dies From Paying Retail At Denny’s

Last weekend, Mr. H pulled me aside out of kid earshot.

“Want to go out to breakfast?”

I knew which restaurant he meant.

“We don’t have a coupon.”

“So?!” he replied.

He stood there, arms crossed, cocking his head to the side, and staring straight at me – silently challenging me to come up with a remotely valid reason why he couldn’t take his family out to Denny’s without the benefit of a two for one coupon or weekday special.

“OK, fine…” I begrudged.

Somehow this time I knew he wouldn’t be convinced that food tastes better when it’s a twofer.…