Wednesday, August 20, 2014

Scotch Nature: The Lottery

Lottery: A tax on people who are bad at math.

Marx was wrong, religion isn't the opiate of the masses; lottery tickets are.

Working at a convince store in the past I observed people who could ill spare $10 or $20 buying putting every spare dime into scratch-off tickets. Even worse whatever was won on these would be used to buy a continuously diminishing supply to buy still more tickets. Of course everyone traded stories of the few who "hit it big" almost like a religious litany.

So let's look at how much a modest $20 per week lottery habit adds up to:

So my state's scratcher's games pay out an average of 69%  meaning that your $20 is now $13.80 but you just have to go back and get some more tickets to "win big" so now your $20 is $9.52. I'll give people an overly large bennifit of the doubt that they stop there.

So our hypothetical modest lottery player is paying the state $10.48 every week or $544.96 every year.

So combined with last week we are up to a total of $804.96 from brown bagging it and failing to contribute to a non-mandatory state tax.

Tuesday, August 19, 2014

Have You Met Lydia?

More Barely Safe For Work, but not at all safe for those of you who don't like tattoos on women, below the break. You have been warned.

Tuesday: Tapp, Rack, and Bang

Sunday, August 17, 2014

Why You Beware Sirens

Because if you're a dancing pirate captain they'll distract your crew just as you're about to fight a sea monster.

Thursday, August 14, 2014

Beware: Sirens

Yes summer is winding down but this is no time to let down your guard against these water-born perils. More Not Safe For Sailors below break.

Permission to Change Pants Sargent?

Wednesday, August 13, 2014

Scotch Nature: Brown Bag

Alright let's start with an easy one, Bring Your Fucking Lunch instead of eating out.

"Value Meal" $7.00 by the time you add tax and larger fries you don't really need and a larger drink even though they have free refills.

Two slices of bread $0.10

Four Slices of Ham $0.75

Two Slices of Cheese $ .50

Mustard $0.02

Bag of Chips $0.25

Can of Soda $0.25

Now I admit it might not be cool or "a break from work" or as satisfying to do this every day. I personally love to eat out as a luxury, but if you don't have any money for when you break a tooth or when a tire blows fast food isn't much help now is it?

Let's go over how much the difference adds up. $5(I'm rounding down to be on the safe side) times 5 working days equals $25 per work week equals $260 per year.

So was it the King, Jack, or Ronald who took your emergency fund?

Tuesday, August 12, 2014

SHTF Insurance

Only 48 percent said that they could easily handle an emergency expense of $400 without running a balance on their credit card.
I know that hyperinflation is a serious possibility in the current world, but come on people. If you don't have ANY reserve funds it wont take a big nation shattering event to break you just a broken water-pump in your only car.

I know I'm a financial nerd but I think I'm going to start a series on Wendsdays about ways to be Scotch Natured, of course none of the this will do the tards who go out and blow their money faster than they can make it even in the "good times" any good. However maybe just maybe someone who is at a personal tipping point and who can be reached might enter just the right internet search and stumble across it.

Because if this is the case we'd better hope PP's assurances about the non-viability of face colanders(TM Tam) is right.

Tuesday Tap, Rack, and Bang