This post is a bit off topic. When I was coming back from the university on Monday night, I lost my cell phone. When I got on the metro, I had the phone, when I got off the subway, it was gone! Its not surprising that the phone was lost, because I was feeling a little fatigued and tired and it must have slipped out of my pocket.

So, after some wrangling with T-mobile, I was able to get them to issue a new telephone. I had to agree to extend my contract for two years and pay $10.59 for the new phone, but all in all I think it was relatively painless.

The one takeaway from this is, negotiate. At first T-mobile wanted to charge me $59.99 and have me fill out a mail-in rebate for $50. Mail-in rebates are totally bogus, so I decided to wait and speak to the manager. Apparently it worked. T-mobile credited me with an instant $50 rebate and I went on my merry way with only a $10.59 charge.

Best,

James

MANAGE YOUR MONEY TOGETHER

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1) Collaborate: Meet regularly to talk about money, set goals together, track and monitor them.

2) Understand and respect your partner. Take time to understand your partners values about money.

3) Watch the numbers. Get a budget, monitor your spending and track your net worth.

4) Max your retirement. Maximize contributions to your tax deferred retirement accounts.

5) Invest in stock. Stocks perform better than bonds or cash.

6) Avoid high interest debt. Credit cards and title loans are financial cancer.

7) Diversify. Don't put all your eggs in one basket.

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