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	<title>Comments on: Review: Living Rich by Spending Smart</title>
	<atom:link href="http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: Jessica</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-328237</link>
		<dc:creator>Jessica</dc:creator>
		<pubDate>Tue, 15 Jul 2008 05:28:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-328237</guid>
		<description><![CDATA[I did two years at a comm. college, and would recommend it to others as well. I had my own great experiences and I met more interesting people (because classes were more diverse-older adults returning, etc.) than I did at the university I transferred to. You can meet new people at a community college and get a great education-often the people who teach there are there because they want to teach, compared to those who really don&#039;t want to teach at the 4 year/research universities and are doing it as an after thought. 

And frankly, I hated the dorm experience. I was used to doing things on my schedule and being more productive than my dorm-mates who were concerned mostly with partying as much as they could. When I was in community college, I had a part-time job (saved money), was more independent, cooked my own meals (way better than dorm food), was able to control my surroundings (quiet, cool/warm enough), and was treated more like an adult by peers/professors as a comm. college student than at a 4 year institution. Then again, I was/am more mature and happy to be an adult than the average person my age.]]></description>
		<content:encoded><![CDATA[<p>I did two years at a comm. college, and would recommend it to others as well. I had my own great experiences and I met more interesting people (because classes were more diverse-older adults returning, etc.) than I did at the university I transferred to. You can meet new people at a community college and get a great education-often the people who teach there are there because they want to teach, compared to those who really don&#8217;t want to teach at the 4 year/research universities and are doing it as an after thought. </p>
<p>And frankly, I hated the dorm experience. I was used to doing things on my schedule and being more productive than my dorm-mates who were concerned mostly with partying as much as they could. When I was in community college, I had a part-time job (saved money), was more independent, cooked my own meals (way better than dorm food), was able to control my surroundings (quiet, cool/warm enough), and was treated more like an adult by peers/professors as a comm. college student than at a 4 year institution. Then again, I was/am more mature and happy to be an adult than the average person my age.</p>
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		<title>By: Gretchen</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-328174</link>
		<dc:creator>Gretchen</dc:creator>
		<pubDate>Tue, 15 Jul 2008 03:42:50 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-328174</guid>
		<description><![CDATA[I don&#039;t agree with the community college for 2 years route _unless_ the choice is between community college and a mediocre state university. If you are choosing between 2 years at community college or starting out at an ivy league-type caliber institution please do not give up 2 precious years of awesome education just to save money. I went to the state school while in high school (similar program a previous poster talked about) and got about a semester of free classes. But when I got to my ivy league school I realized the classes were way above and beyond the quality I was getting at the state school. I came from an extremely poor family but we pulled it off.  

When I told my high school yearbook teacher, who was a pretty level headed guy, that I got into an ivy, he replied, &quot;if my son gets into that school I would sell my house and live in a shack to send him there!&quot; 

Anyway, all that said, in about 10 or 15 years a lot of kids probably won&#039;t even be going to college because it&#039;ll be more cost-effective to be an entrepreneur right off the bat. Either that or the cost of tuition will go down considerably. It can&#039;t keep increasing and in fact is beginning to be lowered at some institutions already.]]></description>
		<content:encoded><![CDATA[<p>I don&#8217;t agree with the community college for 2 years route _unless_ the choice is between community college and a mediocre state university. If you are choosing between 2 years at community college or starting out at an ivy league-type caliber institution please do not give up 2 precious years of awesome education just to save money. I went to the state school while in high school (similar program a previous poster talked about) and got about a semester of free classes. But when I got to my ivy league school I realized the classes were way above and beyond the quality I was getting at the state school. I came from an extremely poor family but we pulled it off.  </p>
<p>When I told my high school yearbook teacher, who was a pretty level headed guy, that I got into an ivy, he replied, &#8220;if my son gets into that school I would sell my house and live in a shack to send him there!&#8221; </p>
<p>Anyway, all that said, in about 10 or 15 years a lot of kids probably won&#8217;t even be going to college because it&#8217;ll be more cost-effective to be an entrepreneur right off the bat. Either that or the cost of tuition will go down considerably. It can&#8217;t keep increasing and in fact is beginning to be lowered at some institutions already.</p>
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		<title>By: reulte</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-327640</link>
		<dc:creator>reulte</dc:creator>
		<pubDate>Mon, 14 Jul 2008 15:15:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-327640</guid>
		<description><![CDATA[Some textbook advice . . .

Most textbooks are in the University library. If you&#039;re fast or talk to the professor before the semester begins to find out which text s/he is using, you can reserve it for checkout at the beginning of the semester. Sometimes, libraries keep texts in the reference section- - well, you can read/make notes in the library. I even had one professor with double copies of the text he was using- - he loaned me one for the semester (with the stipulation that I wouldn&#039;t get a grade until I returned it).  Occasionally, you can find some texts in public libraries as well. Usually there is little or no different between editions- - and when there is a difference, the information is usually the same. Don&#039;t do this with math books where problems are assigned out of the book for grading- - problems are usually the only things changed in math/physics type books. On the other hand, I went through one of my math courses with no book because even though he assigned problems from the book, he never picked up the papers. As long as I was on subject and could do the work demonstrated in class and using an old text on the subject I was fine. 
Also, I never purchased a textbook until the first assigned reading. I never purchase a textbook until and unless the professor says &quot;The final will be 100% from the book&quot;- - which is very rare. Usually the say &quot;from class discussion&quot;. 

Once I &#039;rented&#039; a textbook from the student next to me who stated he was going to spend the weekend doing XXX. I paid a minimal fee for &#039;renting&#039; the book for the weekend. 

These actions saved me a stack of cash during my college years.

Also, see what you can do to test out of classes.  I tested out of a semester&#039;s worth of classes.  That save me a semester of books, travel, study time, etc.]]></description>
		<content:encoded><![CDATA[<p>Some textbook advice . . .</p>
<p>Most textbooks are in the University library. If you&#8217;re fast or talk to the professor before the semester begins to find out which text s/he is using, you can reserve it for checkout at the beginning of the semester. Sometimes, libraries keep texts in the reference section- &#8211; well, you can read/make notes in the library. I even had one professor with double copies of the text he was using- &#8211; he loaned me one for the semester (with the stipulation that I wouldn&#8217;t get a grade until I returned it).  Occasionally, you can find some texts in public libraries as well. Usually there is little or no different between editions- &#8211; and when there is a difference, the information is usually the same. Don&#8217;t do this with math books where problems are assigned out of the book for grading- &#8211; problems are usually the only things changed in math/physics type books. On the other hand, I went through one of my math courses with no book because even though he assigned problems from the book, he never picked up the papers. As long as I was on subject and could do the work demonstrated in class and using an old text on the subject I was fine.<br />
Also, I never purchased a textbook until the first assigned reading. I never purchase a textbook until and unless the professor says &#8220;The final will be 100% from the book&#8221;- &#8211; which is very rare. Usually the say &#8220;from class discussion&#8221;. </p>
<p>Once I &#8216;rented&#8217; a textbook from the student next to me who stated he was going to spend the weekend doing XXX. I paid a minimal fee for &#8216;renting&#8217; the book for the weekend. </p>
<p>These actions saved me a stack of cash during my college years.</p>
<p>Also, see what you can do to test out of classes.  I tested out of a semester&#8217;s worth of classes.  That save me a semester of books, travel, study time, etc.</p>
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		<title>By: Jason S</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-327197</link>
		<dc:creator>Jason S</dc:creator>
		<pubDate>Mon, 14 Jul 2008 00:24:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-327197</guid>
		<description><![CDATA[@Christine in Iowa~

Rats. It&#039;s not in our public library system, either (Waterloo/Cedar Falls). But they&#039;re really good at finding stuff via interlibrary loan--half the time, they wind up buying to book for their collection after I return it--so there&#039;s hope yet.

***

For what it&#039;s worth, a higher-than-you&#039;d expect percentage of students at community colleges come from out of the school&#039;s designated &quot;service area.&quot; (At least in Iowa.) Heck, at my school, we oonly charge out-of-staters a premium for a single semester. Kids from more than an hour away generally live in highly dorm-like apartments adjacent to campus, so in respect their college experience is not wildly different from their university peers&#039;.]]></description>
		<content:encoded><![CDATA[<p>@Christine in Iowa~</p>
<p>Rats. It&#8217;s not in our public library system, either (Waterloo/Cedar Falls). But they&#8217;re really good at finding stuff via interlibrary loan&#8211;half the time, they wind up buying to book for their collection after I return it&#8211;so there&#8217;s hope yet.</p>
<p>***</p>
<p>For what it&#8217;s worth, a higher-than-you&#8217;d expect percentage of students at community colleges come from out of the school&#8217;s designated &#8220;service area.&#8221; (At least in Iowa.) Heck, at my school, we oonly charge out-of-staters a premium for a single semester. Kids from more than an hour away generally live in highly dorm-like apartments adjacent to campus, so in respect their college experience is not wildly different from their university peers&#8217;.</p>
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		<title>By: quatrefoil</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-326504</link>
		<dc:creator>quatrefoil</dc:creator>
		<pubDate>Sun, 13 Jul 2008 04:56:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-326504</guid>
		<description><![CDATA[Before I lived in an appartment I used to kill weeds in my paving effectively by pouring boiling water on them.  Even factoring in the cost of boiling the water, it&#039;s still probably cheaper than the vinegar.  I generally used the water I&#039;ve already used to steam veggies so it&#039;s already &#039;recycled&#039;.  Some tougher weeds required a few goes, but I got into the habit of just pouring the steaming water on the pavers and it kept the weeds under control.  If I had water I&#039;d boiled something in, I&#039;d let it cool down and put it on the garden for the extra nutrients instead.]]></description>
		<content:encoded><![CDATA[<p>Before I lived in an appartment I used to kill weeds in my paving effectively by pouring boiling water on them.  Even factoring in the cost of boiling the water, it&#8217;s still probably cheaper than the vinegar.  I generally used the water I&#8217;ve already used to steam veggies so it&#8217;s already &#8216;recycled&#8217;.  Some tougher weeds required a few goes, but I got into the habit of just pouring the steaming water on the pavers and it kept the weeds under control.  If I had water I&#8217;d boiled something in, I&#8217;d let it cool down and put it on the garden for the extra nutrients instead.</p>
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		<title>By: Christine in Iowa</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-326230</link>
		<dc:creator>Christine in Iowa</dc:creator>
		<pubDate>Sat, 12 Jul 2008 20:55:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-326230</guid>
		<description><![CDATA[@Troy, Shevy, &amp; Kate
I agree with Troy, part of college is the WHOLE experience. And that doesn&#039;t necessarily mean &quot;partying/living with all the comforts of home and then some&quot;.
But the vast majority of friendships and getting to know you activities take place in that first year. Transfer students are a different bunch.
Fortunately, I have a few years to consider this. My oldest wants to go to MIT which is going to cost BIG bucks!

@Jason--I live in Iowa too, would you post if you find this book at a library? PLDM doesn&#039;t have it. tx]]></description>
		<content:encoded><![CDATA[<p>@Troy, Shevy, &amp; Kate<br />
I agree with Troy, part of college is the WHOLE experience. And that doesn&#8217;t necessarily mean &#8220;partying/living with all the comforts of home and then some&#8221;.<br />
But the vast majority of friendships and getting to know you activities take place in that first year. Transfer students are a different bunch.<br />
Fortunately, I have a few years to consider this. My oldest wants to go to MIT which is going to cost BIG bucks!</p>
<p>@Jason&#8211;I live in Iowa too, would you post if you find this book at a library? PLDM doesn&#8217;t have it. tx</p>
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		<title>By: Vicky</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-326173</link>
		<dc:creator>Vicky</dc:creator>
		<pubDate>Sat, 12 Jul 2008 19:20:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-326173</guid>
		<description><![CDATA[@RK - As I understand it, barrel composters are faster than those which contact the ground, but in my experience the ground-contact style does more for my garden as it attracts worms and really improves the soil as I move it from place to place in my garden patch.  I would also have a hard time maneuvering a barrel composter large enough for my needs - I fill mine to the top monthly, but due to the magic of composting, it keeps falling back to half-full.  

I was able to get a Soilsaver composter from my local beautification club for $15 (they were subsidizing the cost).  

I always enjoy finding more things to add to my compost.  Shrub clippings, leaves, potato peel, corn leaves and husks, hair, brown paper bags, coffee grinds with filter, tea bags, apple cores, end-of-season annuals, leftover rice, stale bread, watermelon rind, etc.  I also keep a worm bin, which is fun.  :)]]></description>
		<content:encoded><![CDATA[<p>@RK &#8211; As I understand it, barrel composters are faster than those which contact the ground, but in my experience the ground-contact style does more for my garden as it attracts worms and really improves the soil as I move it from place to place in my garden patch.  I would also have a hard time maneuvering a barrel composter large enough for my needs &#8211; I fill mine to the top monthly, but due to the magic of composting, it keeps falling back to half-full.  </p>
<p>I was able to get a Soilsaver composter from my local beautification club for $15 (they were subsidizing the cost).  </p>
<p>I always enjoy finding more things to add to my compost.  Shrub clippings, leaves, potato peel, corn leaves and husks, hair, brown paper bags, coffee grinds with filter, tea bags, apple cores, end-of-season annuals, leftover rice, stale bread, watermelon rind, etc.  I also keep a worm bin, which is fun.  :)</p>
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		<title>By: Kate</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325905</link>
		<dc:creator>Kate</dc:creator>
		<pubDate>Sat, 12 Jul 2008 12:04:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325905</guid>
		<description><![CDATA[I fully agree with the 2 + 2 college plan.  Many people feel that the &quot;partying/living with all the comforts of home and then some&quot; is a rite of passage and a requirement for the full college experience.  I was amazed at the amount of &quot;stuff&quot; parents bought for their kids when I helped my children move into their dorms--new wide screen TV&#039;s , new furniture, etc., etc., etc. My advice to my kids was to take as little as they could because they would be moving again.
As for textbooks--the prices are outrageous. I have saved lots of dollars by shopping for them used at Amazon, alibris.com and Abe books or checking them out from the library--sometimes professors will let you borrow a copy.  My kids would send me the list of what they needed and I would start comparison shopping. As for newer editions--ask the professor if there were many changes and if an older edition will do.]]></description>
		<content:encoded><![CDATA[<p>I fully agree with the 2 + 2 college plan.  Many people feel that the &#8220;partying/living with all the comforts of home and then some&#8221; is a rite of passage and a requirement for the full college experience.  I was amazed at the amount of &#8220;stuff&#8221; parents bought for their kids when I helped my children move into their dorms&#8211;new wide screen TV&#8217;s , new furniture, etc., etc., etc. My advice to my kids was to take as little as they could because they would be moving again.<br />
As for textbooks&#8211;the prices are outrageous. I have saved lots of dollars by shopping for them used at Amazon, alibris.com and Abe books or checking them out from the library&#8211;sometimes professors will let you borrow a copy.  My kids would send me the list of what they needed and I would start comparison shopping. As for newer editions&#8211;ask the professor if there were many changes and if an older edition will do.</p>
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		<title>By: Shevy</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325701</link>
		<dc:creator>Shevy</dc:creator>
		<pubDate>Sat, 12 Jul 2008 03:07:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325701</guid>
		<description><![CDATA[@Troy

Do you not move away when you go to college or university for the last 2 years?  You get all the same experiences, but you have 2 years more maturity to be able to deal with some of the excesses with which you will inevitably be confronted.

Going to a 4 year university and wasting the first year by partying to the exclusion of studying makes going straight to university an even more expensive option than it first appears.

Plus, if you can get some of the credits at community college when you&#039;re still in high school it means that you may graduate and be able to put your diploma to work earlier than by going straight to a 4 year university.]]></description>
		<content:encoded><![CDATA[<p>@Troy</p>
<p>Do you not move away when you go to college or university for the last 2 years?  You get all the same experiences, but you have 2 years more maturity to be able to deal with some of the excesses with which you will inevitably be confronted.</p>
<p>Going to a 4 year university and wasting the first year by partying to the exclusion of studying makes going straight to university an even more expensive option than it first appears.</p>
<p>Plus, if you can get some of the credits at community college when you&#8217;re still in high school it means that you may graduate and be able to put your diploma to work earlier than by going straight to a 4 year university.</p>
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		<title>By: Robert</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325700</link>
		<dc:creator>Robert</dc:creator>
		<pubDate>Sat, 12 Jul 2008 03:05:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325700</guid>
		<description><![CDATA[Regarding Inkjet cartridges : Most printers made in the last couple of years are designed to communicate with a chip built in to the ink or toner cartridge. If the cartridge&#039;s chip reports that too many pages have already been printed, the printer will refuse to accept the cartridge.

This is supposedly to prevent unscrupulous vendors from passing off refilled or knock off cartridges as OEM new ones. But this tactic is also intended to help the manufacturers sell more new cartridges. The manufacturers usually lose money on the sale of a new printer because they normally sell printers for less than the cost to manufacture it. The manufacturers count on recouping their loss in higher markups on ink and toner cartridges.

That said, I have been encouraging the staff at the remote sites I support for my employer to buy new OEM cartridges rather than the refilled ones from companies like Corporate Express.  I can&#039;t count the number of times that I&#039;ve had to go to a site to look in to printer issues, only to discover the cause was a poorly refilled cartridge (especially if the company doing the refill failed to recondition that other parts that wear out such as the image transfer roller in many toner cartridges). Often the companies refilling cartridges use the wrong type of ink or toner, leading to printing that smears or even potentially damaging the printer. Toner is especially sensitive, since different types are designed for different temperature and pressure combinations. Use of the wrong formula toner can lead to caking of the toner on the fusor rollers, requiring expensive replacements.

While it&#039;s often not as critical if a home user gets the occasional &quot;bum&quot; cartridge, if I have to go on-site the company is spending in excess of $100 for my time and travel expenses. Add in the potential lost sales if the sales department at a site can&#039;t get a proposal out in time, or the poor impression it gives a customer when they are handed a printout of their bill that smears over their hands, and the losses far, far exceed the savings for using cheap cartridges for many businesses.]]></description>
		<content:encoded><![CDATA[<p>Regarding Inkjet cartridges : Most printers made in the last couple of years are designed to communicate with a chip built in to the ink or toner cartridge. If the cartridge&#8217;s chip reports that too many pages have already been printed, the printer will refuse to accept the cartridge.</p>
<p>This is supposedly to prevent unscrupulous vendors from passing off refilled or knock off cartridges as OEM new ones. But this tactic is also intended to help the manufacturers sell more new cartridges. The manufacturers usually lose money on the sale of a new printer because they normally sell printers for less than the cost to manufacture it. The manufacturers count on recouping their loss in higher markups on ink and toner cartridges.</p>
<p>That said, I have been encouraging the staff at the remote sites I support for my employer to buy new OEM cartridges rather than the refilled ones from companies like Corporate Express.  I can&#8217;t count the number of times that I&#8217;ve had to go to a site to look in to printer issues, only to discover the cause was a poorly refilled cartridge (especially if the company doing the refill failed to recondition that other parts that wear out such as the image transfer roller in many toner cartridges). Often the companies refilling cartridges use the wrong type of ink or toner, leading to printing that smears or even potentially damaging the printer. Toner is especially sensitive, since different types are designed for different temperature and pressure combinations. Use of the wrong formula toner can lead to caking of the toner on the fusor rollers, requiring expensive replacements.</p>
<p>While it&#8217;s often not as critical if a home user gets the occasional &#8220;bum&#8221; cartridge, if I have to go on-site the company is spending in excess of $100 for my time and travel expenses. Add in the potential lost sales if the sales department at a site can&#8217;t get a proposal out in time, or the poor impression it gives a customer when they are handed a printout of their bill that smears over their hands, and the losses far, far exceed the savings for using cheap cartridges for many businesses.</p>
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		<title>By: Troy</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325671</link>
		<dc:creator>Troy</dc:creator>
		<pubDate>Sat, 12 Jul 2008 01:47:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325671</guid>
		<description><![CDATA[The &quot;2 &amp; 2&quot; plan for college going to community college for the first two years, then trnasferring to a 4 year university for the remaining 2 or 3 may work for some, but fails to recognize one of the main values of &quot;college&quot;...the education you receive out of the classroom.

The first 2 years of &quot;normal&quot; college, moving away from home with all of the learning and independence as well as the roommates, friendships and experiences are some of the best experiences of many peoples lives.  Giving that up to save a few bucks on tuition...nah...those memories are priceless.  Think long and hard on this one.]]></description>
		<content:encoded><![CDATA[<p>The &#8220;2 &amp; 2&#8243; plan for college going to community college for the first two years, then trnasferring to a 4 year university for the remaining 2 or 3 may work for some, but fails to recognize one of the main values of &#8220;college&#8221;&#8230;the education you receive out of the classroom.</p>
<p>The first 2 years of &#8220;normal&#8221; college, moving away from home with all of the learning and independence as well as the roommates, friendships and experiences are some of the best experiences of many peoples lives.  Giving that up to save a few bucks on tuition&#8230;nah&#8230;those memories are priceless.  Think long and hard on this one.</p>
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		<title>By: Jessica</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325612</link>
		<dc:creator>Jessica</dc:creator>
		<pubDate>Fri, 11 Jul 2008 23:06:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325612</guid>
		<description><![CDATA[@RK- My barrel composter is a $12 garbage bin. We drilled holes around the edge of the lid to allow air in, and used a couple of bungee cords to secure the top. We toss in our coffee grounds, vegetable and fruit scraps, eggshells and some yard waste and roll it around every couple of days. If it gets too dry we give it a little water.]]></description>
		<content:encoded><![CDATA[<p>@RK- My barrel composter is a $12 garbage bin. We drilled holes around the edge of the lid to allow air in, and used a couple of bungee cords to secure the top. We toss in our coffee grounds, vegetable and fruit scraps, eggshells and some yard waste and roll it around every couple of days. If it gets too dry we give it a little water.</p>
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		<title>By: RK</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325576</link>
		<dc:creator>RK</dc:creator>
		<pubDate>Fri, 11 Jul 2008 22:04:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325576</guid>
		<description><![CDATA[I&#039;d love to learn more about your barrell composter, Trent. I&#039;ve been considering acquiring one but I get so confused when I check them out online. I&#039;d love to know what features you think are important and what you consider to be a reasonable price. Thanks.]]></description>
		<content:encoded><![CDATA[<p>I&#8217;d love to learn more about your barrell composter, Trent. I&#8217;ve been considering acquiring one but I get so confused when I check them out online. I&#8217;d love to know what features you think are important and what you consider to be a reasonable price. Thanks.</p>
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		<title>By: James</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325497</link>
		<dc:creator>James</dc:creator>
		<pubDate>Fri, 11 Jul 2008 20:06:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325497</guid>
		<description><![CDATA[I&#039;d be interested to hear more of what the author says about ink jet cartridges (chapter 3), and I&#039;d also be interested in what Trent and the blog commenters say.  I&#039;ve had such bad luck with the recycled ones, making a mess, or my Canon machine not recognizing them at all.  I like the savings at the local Rapid Refill place, but the frustration can be time-consuming.]]></description>
		<content:encoded><![CDATA[<p>I&#8217;d be interested to hear more of what the author says about ink jet cartridges (chapter 3), and I&#8217;d also be interested in what Trent and the blog commenters say.  I&#8217;ve had such bad luck with the recycled ones, making a mess, or my Canon machine not recognizing them at all.  I like the savings at the local Rapid Refill place, but the frustration can be time-consuming.</p>
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		<title>By: Andy</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325472</link>
		<dc:creator>Andy</dc:creator>
		<pubDate>Fri, 11 Jul 2008 19:34:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325472</guid>
		<description><![CDATA[Tracy, once my wife and I regifted this expensive but horrible looking candlestick set to some friends.  We were hoping they would like the style.  We had it gift wrapped so that it looked like it came from a local fancy department store.  Well, we had dinner with these friends, and she (forgetting who had given her the sticks) complained how the store wouldn&#039;t take the sticks back!  We acted like we didn&#039;t know what she meant, but on the way home we laughed so hard we cried.

So, your gifts might be regifts!]]></description>
		<content:encoded><![CDATA[<p>Tracy, once my wife and I regifted this expensive but horrible looking candlestick set to some friends.  We were hoping they would like the style.  We had it gift wrapped so that it looked like it came from a local fancy department store.  Well, we had dinner with these friends, and she (forgetting who had given her the sticks) complained how the store wouldn&#8217;t take the sticks back!  We acted like we didn&#8217;t know what she meant, but on the way home we laughed so hard we cried.</p>
<p>So, your gifts might be regifts!</p>
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		<title>By: BonzoGal</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325452</link>
		<dc:creator>BonzoGal</dc:creator>
		<pubDate>Fri, 11 Jul 2008 19:17:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325452</guid>
		<description><![CDATA[@George-  thanks, that&#039;s too true. I worked at a community college campus bookstore for a couple of semesters, and their markup on textbooks was unbelievable! They really do rip off students. 

That being said, I&#039;d still like Trent to elaborate on what Gregory Karp&#039;s carp (cough cough) with textbooks is. I&#039;m just curious. 

The real pisser with some texts is that they change the editions often enough that you CAN&#039;T sell back many books- they&#039;re already outdated by the next semester! I can understand that with some science and current events classes, but in literature?  Puh-leeze.]]></description>
		<content:encoded><![CDATA[<p>@George-  thanks, that&#8217;s too true. I worked at a community college campus bookstore for a couple of semesters, and their markup on textbooks was unbelievable! They really do rip off students. </p>
<p>That being said, I&#8217;d still like Trent to elaborate on what Gregory Karp&#8217;s carp (cough cough) with textbooks is. I&#8217;m just curious. </p>
<p>The real pisser with some texts is that they change the editions often enough that you CAN&#8217;T sell back many books- they&#8217;re already outdated by the next semester! I can understand that with some science and current events classes, but in literature?  Puh-leeze.</p>
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		<title>By: Tracy</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325448</link>
		<dc:creator>Tracy</dc:creator>
		<pubDate>Fri, 11 Jul 2008 19:14:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325448</guid>
		<description><![CDATA[I&#039;m looking forward to reading this book. I have a comment about wedding gifts. I recently got married and we received a number of gifts that weren&#039;t on the registry with no gift receipts. We live in a small apartment and not only do we lack the space for some of these gifts, we aren&#039;t able to return them. 

One family sent us two very nice kitchen gift sets they probably spent a total of $200 for. Unfortunately, we don&#039;t need these items and can&#039;t return them. I have sold one set on Craigslist, but for less than the purchase price. We would have preferred a gift card or cash. 

Moral of this story, stick to the registry or buy a gift card. At the very least, include a gift receipt for items not on a registry. It&#039;s not out of disrespect that we don&#039;t want to keep these gifts, we just simply don&#039;t need them and don&#039;t have space for them.]]></description>
		<content:encoded><![CDATA[<p>I&#8217;m looking forward to reading this book. I have a comment about wedding gifts. I recently got married and we received a number of gifts that weren&#8217;t on the registry with no gift receipts. We live in a small apartment and not only do we lack the space for some of these gifts, we aren&#8217;t able to return them. </p>
<p>One family sent us two very nice kitchen gift sets they probably spent a total of $200 for. Unfortunately, we don&#8217;t need these items and can&#8217;t return them. I have sold one set on Craigslist, but for less than the purchase price. We would have preferred a gift card or cash. </p>
<p>Moral of this story, stick to the registry or buy a gift card. At the very least, include a gift receipt for items not on a registry. It&#8217;s not out of disrespect that we don&#8217;t want to keep these gifts, we just simply don&#8217;t need them and don&#8217;t have space for them.</p>
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		<title>By: Margaret</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325420</link>
		<dc:creator>Margaret</dc:creator>
		<pubDate>Fri, 11 Jul 2008 18:11:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325420</guid>
		<description><![CDATA[DO NOT cancel your old insurance until you have your new insurance!!!!  Yes, universal life sucks, but if you cancel then don&#039;t get approved for new insurance (or for whatever reason the new insurance would be more expensive), you will be screwed.  That being said, if you have universal life, CHANGE YOUR POLICY NOW!  Due to some bad advice and not knowing anything about insurance, our first policy was universal life.  I started hearing about term being better about three years ago, but delayed looking into it further until 6 months ago.  We have since switched, but we were just pouring money down the tubes for the old insurance, PLUS I moved into an older age bracket so our current premiums are higher than they would have been if I had switched two years ago.  Grrr.  Oh well, only one bad financial move of many I have made in my life.]]></description>
		<content:encoded><![CDATA[<p>DO NOT cancel your old insurance until you have your new insurance!!!!  Yes, universal life sucks, but if you cancel then don&#8217;t get approved for new insurance (or for whatever reason the new insurance would be more expensive), you will be screwed.  That being said, if you have universal life, CHANGE YOUR POLICY NOW!  Due to some bad advice and not knowing anything about insurance, our first policy was universal life.  I started hearing about term being better about three years ago, but delayed looking into it further until 6 months ago.  We have since switched, but we were just pouring money down the tubes for the old insurance, PLUS I moved into an older age bracket so our current premiums are higher than they would have been if I had switched two years ago.  Grrr.  Oh well, only one bad financial move of many I have made in my life.</p>
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		<title>By: George</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325414</link>
		<dc:creator>George</dc:creator>
		<pubDate>Fri, 11 Jul 2008 18:01:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325414</guid>
		<description><![CDATA[er, &quot;NO means&quot; to control spending.]]></description>
		<content:encoded><![CDATA[<p>er, &#8220;NO means&#8221; to control spending.</p>
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		<title>By: George</title>
		<link>http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325413</link>
		<dc:creator>George</dc:creator>
		<pubDate>Fri, 11 Jul 2008 18:00:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/07/11/review-living-rich-by-spending-smart/#comment-325413</guid>
		<description><![CDATA[Controlling spending is more important than increasing income.  Why?  Well if you can&#039;t control spending, then you have means to control spending even when the income goes up.  Just look at our Federal Government to see the pattern and consequences...]]></description>
		<content:encoded><![CDATA[<p>Controlling spending is more important than increasing income.  Why?  Well if you can&#8217;t control spending, then you have means to control spending even when the income goes up.  Just look at our Federal Government to see the pattern and consequences&#8230;</p>
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