Updated on 07.30.14

The Simple Dollar Weekly Roundup: Yellow Edition

Trent Hamm

My twenty month old daughter’s favorite word is “yellow.” “What’s your favorite color, honey?” “Yellow!” “What do you want for supper?” “… yellow?” “What should I post about this morning, sweetie pie?” “YELLOW!”

So, to make her happy, this sentence is written in bright yellow. See, honey? Dad made something yellow for you.

Find a Mentor Using the DISC Method A good mentor that really matches who you are is a great find, and this is a pretty insightful way to evaluate potential mentors to find a good match. (@ studenomics)

Interview with a Dave Ramsey Certified Counselor I thought this was actually a good insight into how the whole “Dave Ramsey certification” system actually works. I’m naturally a skeptic, I guess. (@ man vs. debt)

Why Do People Still Have Landlines? I thought this post outlined a few clear divisions in life experiences. For one, cell phones tend to not work in disasters when you need them the most – land lines hold up well, while you’re out of cell phone luck if something knocks down a tower or two. Another factor – in rural areas, cell phone reception is dodgy, so if you live rural, a land line is essential. So, no, it’s not so you can “make it more confusing for friends and family to keep track of all of your phone numbers.” Quite honestly, I rarely use my cell phone at all and I’ve strongly considered moving to a pay-as-you-go phone for the rare times I use it. (@ broke grad student)

The Cost of Driving Fast Excellent post that really illustrates the cost of driving fast in pure gas costs. This doesn’t include the risk of getting a speeding ticket (a very real risk – trust me). (@ bargain babe)

Will the “Great Recession” Trigger the End of Buy-and-Hold Investing? I see no real reason to not continue with buy-and-hold investing. If you lost 50% over the last two years and couldn’t afford that loss, the problem was asset allocation, not buy-and-hold. (@ millionaire mommy next door)

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  1. Tori says:

    The preceeding post made my heart grow 3 sizes.

  2. MLR says:


    I’m honored — Thanks for including my guest post on the DISC method @ Studenomics and my post on low-flow shower heads @ my site.

    The mentor post didn’t get much attention, but I agree finding the right mentor is KEY and the DISC method is a great way to do so.

    For the shower heads, some of the real eco-friendly ones are indeed down right annoying. BUT, as you said, a balance can be found. Even if you use a shower head that isn’t really low-flow, a shut off valve could wind up saving a decent bit of water (and money)!


  3. Courtney says:

    We live on the ground floor of our condo building and have a landline because cell service was incredibly spotty unless you had your face glued to a window. We live in a pretty suburban area as well. We did just switch to pay-as-you-go for our cell service though, and in the first month our paid usage was about 1/4 of our previous monthly contract bill.

  4. Studenomics says:

    Thanks so much for linking to Studenomics. I really appreciate it and of course I need to thank MLR for the guest post.

  5. MegB says:

    Interesting round-up Trent. I always look forward to this and was a little disappointed when it didn’t post this morning. Glad to see it this afternoon.

    The only reason we still have a landline is becaues of our alarm system. I’d love to get rid of it, but it’s just not practical for us to do so right now.

  6. Alternative Livings says:

    The intro to this round up made me quite happy. What a good Dad.

  7. When I was a kid i loved yellow too :)…I think kids like its brightness…

  8. Jeff says:

    Going on 5 years now with no land line, have not once had an occasion where I wish there was a land line. I understand the need in a rural area where cell coverage is sketchy, but other than that, cant see the need for one, other than some people just prefer it.

  9. prodgod says:

    MegB – This same reason kept me w/my land line for far too long. Luckily, our alarm company offers a wireless “backup” system that we had installed and now use it as the primary (and only) system. Sure, it costs a few dollars more per month, but much less than the phone bill. Plus, no phone wires for burglars to cut, which pretty much neuters the effectiveness of a monitored alarm system.

  10. K. B. says:

    My reason for keeping a land line is easy – international long distance rates.

    The cheapest cell phone package that lets me make calls to the US is $75/month – no texting or any other extras included included.

    For $20/month, I get 24/7 unlimited North American LD with my land line.

    Easy decision!

  11. imelda says:

    Kids are weird. That’s really cute, though.

    I don’t have a landline because it would be a complete waste of money for me. That said, I sympathize with anyone who does. Cell phones suck. Reception on any landline is infinitely clearer.

  12. When she is near driving age, her favorite word will be “car” . . . a yellow one!

    My daughter is three years away from that one.

  13. Kevin says:

    Not only do I still have a landline, it’s my ONLY phone. I don’t have a cell phone.

    The landline is cheaper and more reliable than a cell phone. Plus, I have family several provinces away, so I make a lot of long distance calls that would really run up the bill if made on a cell phone.

    I spend 90% of my day within 10 steps of either my landline at home, or my office phone at work. I’m not willing to double my phone bill, just to get “coverage” over that last 10% of my day. Truth be told, I LIKE being unreachable now and then. I actually pity those poor folks I see on the bus, constantly succumbing to the Pavolivian vibrations of their Blackberries.

  14. Linda says:

    TracFone is very economical in terms of usage. If you stay within your minute usage it costs $80 p/YEAR. It’s $20 every quarter for time and minutes. That seems like a deal to me. Much more expensive if you do a lot of texting or like getting tweets to your device.

    For that kind of money I can afford a cell phone and can set up tweets for certain events or special occasions.

  15. Beverly D says:

    I have to have a land line at home because I have a metal roof, which makes cell reception non-existent in my house. This is not uncommon in South Florida where I live. I am on night call frequently, so I forward my cell phone to my home land line in order to take calls. Otherwise I’d be out on the lanai all night, not a happy thing!

  16. Sandy says:

    I’m with Kevin about having a cell phone. From my house, I can’t get service inside with my cell. I always have excellent service with my landline, and 0% dropped calls. I have a cell because of my job and the odd occasion that my daughter might call me if I’m out. I have a prepaid…costs $100 per year for those odd times, and I never give my cell number out as I don’t want to talk and drive like I see so many people do…veering over the side of the road, etc…Plus, like Kevin…I really don’t like being available to everyone 24/7…it feels like an invasion of my privacy somehow. If someone wants to talk to me, they can leave a message on my answering machine, and I’ll get back to them when I can.

  17. Johanna says:

    Question: Can anyone recommend a cheap prepaid cell phone that lets you make international calls (and, preferably, also lets you make calls when you yourself are outside the US)? I had a Tracfone for a year, and I make so few phone calls that I could have used it as my only phone, but for the lack of international service.

    I’m like Kevin and Sandy, in that I prefer not to be reachable by phone all the time, but if you have a cell phone, there’s no law that says you have to carry it with you everywhere and keep it on all the time.

  18. Chris says:

    I do not have a landline. However, I live in downtown Chattanooga and my office is exactly one mile from my house. Coverage is not a problem here. My reception is great. Long-distance is included. I also live alone, so I don’t have to worry about kids or babysitters needing phone.

    However, I did run into a problem this week. I am working from home this week, doing an online training course. We have to call a 1-800 number for the audio portion of the course.

    It’s been ingrained into my head since birth that 1-800 calls are free. But when you think about it, from the cell provider’s prospective, airtime usage is airtime usage. Unfortunately, I didn’t think about it. Thank goodness I checked my usage after two days. Otherwise, I would have a $1000 overuse charge rather than a $250 overuse charge. This is what Dave Ramsey would call a “stupid tax.”

    I set up a VoIP account for the last three days, and it appears to be working well. But right now, I really wish I had a landline to use for this course.

  19. Bargain babe says:

    Thanks for linking to me, Trent!

  20. Linda says:

    Regarding having a land line in case of emergency… this will only be valuable if you own a non-cordless phone. Your cordless phone won’t work in a power outage. I actually have an old rotary phone that came with our house. I almost tossed it, but then decided it would be good to have in a power outage.

    Though we live in a highly populated area, I’m lucky if I get one bar of cellular reception at my home. So land line is still necessary.

  21. Jason says:

    My son is 16 months old and the first color he learned to say was yellow. I would have thought red or blue would have been a lot easier to say, but, nope, yellow. Maybe it is a reflection of his personality? He is cheery. By the way, now his favor word is “shoes”.

  22. Esther Ziol says:

    Trent, I’ll just bet your daughter has a “sunny” personality!

  23. Jen says:

    I keep a land line because land line + DSL = cheaper than broadband.

  24. Susan says:

    I use a cell phone almost exclusively and we don’t have long distance on our home phone. But, we have small children so we’ve kept the landline for when we have a babysitter at the house. I don’t want to have to count on our sitters having a cell phone if we need to call them or they need to call us.

  25. dave says:

    I formerly worked for one of the major wireless providers, and in my experience either landline or wireless can be better. Trent is right that a few towers down will cut your cell service, and that can also happen for regular maintenance. However, in some disasters, cells are able to repair and get back on the air quicker than landlines. During Katrina the landlines were down hard, the central switching office was literally under water. So were some of the cell towers. The difference was that we rolled in several mobile cells, and had service back up in a few days, while landlines were out for much longer. You can’t bring in mobile land lines. So while your wireless service may go out faster, it’ll probably be back faster too.

  26. AnnJo says:

    I spend anywhere from one to four hours in a work-day on the phone, and most of the time, I can easily tell the difference in the quality of sound when my callers are using cell phones. Even aside from the dropped calls, the added effort to hear clearly is annoying and tiring. Part of it, of course, is that cell phone users can more easily call from locations with lots of background noise, but another part is just what cell phones do.

    Since I try not to inflict on others the stuff I hate myself, I use landlines at home and work and wish more people did.

  27. susan says:

    I use my landline for int’l long distance – $32.00 per month, 1 penny per minute to Australia. Also, have never run the battery down while I am away from a charger lol.

  28. Jamie says:

    Trent, your post made me smile. My daughter’s favorite color was yellow too (or, “Yeyyo!” as she said it back then). Her favorite number was “Nine!” I like to tell her about that every now and then (she’s 12 now). She thinks it’s funny too. They grow up too fast.

  29. Paula Cufr says:

    Landlines are a necessity if you have a small child and want someone to watch her/him (Grandma, for instance) who does not own a cell phone, and you take yours with you. NO phone for 911 emergencies or to get in touch with the parents. And if electricity is out for any length of time, a corded landline will still work. Cordless won’t, and you wouldn’t be able to charge the cell phone battery when your cell phone dies.

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