Tipping: On The Take-Out
Photo by The Punch Pizza
I have done a lot of talking lately about the concept of tipping, but I thought I had gotten it completely out of my system. But then J. Money over at Budgets are Sexy brought the topic back up again, and I was reminded of an experience from this past summer.
A Surprise Tip
One evening over the summer, I placed a take-out order at one of those nationwide dinner restaurants that offers reasonably priced food for me and a couple of of my friends. The bill probably came to around $50, and I had no complaints with the process — everything was ready when I got there, I quickly paid with my credit card and headed out, and then enjoyed the delicious food with friends.
Several days later, however, I got a surprise when I checked my American Express statement — the restaurant had taken it upon itself to add a 15% tip to my bill! I was stunned, as I most certainly did not authorize that. I quickly had a chat with the general manager of the restaurant who could not have been more apologetic. It looks like I had left the tip line blank on the receipt, and the waiter or waitress had added her own tip. I was completely satisfied with how the manager handled the situation.
One lesson from this, of course, is to always put something on the tip line, even if it is a zero. But that is not what I want to focus on — instead, I want to focus on the issue of tipping for take-out.
Tipping for Take-Out? Really?
I guess part of the reason why I ignored the tip line on the bill was that it never occurred to me that take-out might warrant a tip.
Much to my surprise, it seems that “tipping experts” often side with tipping for take-out. Real Simple suggests that the average take-out tip should be around 10 percent, possibly more depending on the size of the order, to reward timeliness and accuracy.
It also seems, however, that wherever this topic comes up, from the Baltimore Sun Dining Blog to the San Francisco Chronicle’s Between Meals Blog, it generates a lot of passionate comments, mainly with people coming down against tipping for take-out.
I Don’t Know.
I don’t really know how to feel about this.
On the one hand, if you are taking out from a restaurant that is primarily sit-down, I can understand the argument for rewarding the cashier or server who takes care of your take-out order. Someone has to put the food together, place it in take-out material, bag it with utensils and napkins — all while ensuring accuracy timeliness. Plus the food has to stay warm. That seems like an awful lot of effort for someone on your behalf.
But at the same time, I can’t help but ask myself — what is tipping supposed to accomplish in the first place? I think that my gut intention when tipping is to reward a server who has taken care of me and made my stay at a restaurant pleasant. Has a take-out server done that? Perhaps the restaurant pools tips with the cooking staff — does that change things? How do I know if the tips get pooled or not? At some point, shouldn’t some of this just be part of the expectations included in the base cost?
Ever since that incident this summer, I’ve been inclined to leave some sort of tip, but then I question how much is appropriate — is it offensive to leave anything under 10%? Do I really need to tip the same amount as when dining in?
I am very curious to hear what everyone thinks — especially those of you who have been waiters or waitresses in the past. Do you tip for take-out?
Earn Frequent Flyer Miles For Grocery Shopping
Photo by ralphbijker
The Safeway family of grocery stores has a pretty neat program tied to their loyalty card — you can earn frequent flyer miles on your grocery purchases at absolutely no additional cost or effort. While the earnings aren’t huge — one mile for every two dollars spent — given how often I find myself at the grocery store, I have not been surprised to find the miles add up over time.
How To Earn Frequent Flyer Miles For Grocies
The Safeway family consists of the Safeway, Dominick’s, Vons, Genuardi’s, Pavilions, Tom Thumb, and Randalls.
The exact details of the promotion depend on what your neighborhood Safeway-family chain happens to be:
- For Safeway, Dominick’s, Vons, Genuardi’s, or Pavilions, you can earn 125 United MileagePlus Miles every time you spend $250. That comes out to 1 mile for every 2 dollars spent, posted in $250 increments directly to your account. To sign up, head to http://www.grocerymiles.com/.
- For Tom Thumb, you can earn 250 American Airlines AAdvantage MIles every time you spend $250. That comes out to 1 mile for every 1 dollar spent, posted in $250 increments. To sign up, head to http://www.frequentbuyermiles.com/tomthumb/.
- For Randalls, you can earn 125 American Airlines AAdvantage Miles every time you spend $250. That comes to 1 mile for every 2 dollars. To sign up, head to http://www.frequentbuyermiles.com/randalls/.
Once you sign-up, everything will be automatic. Simply use your grocery loyalty card to accumulate credit; every time you checkout, your receipt will update you on how close you are to your next award. Once you cross $250, they will be automatically posted to your account. Pretty cool!
Too Much Trouble? No.
Think that frequent flyer miles are too much trouble? Or is 1 mile per 2 dollars simply not worth it to you? Think again!
- This is free - it costs you absolutely nothing — its an additional benefit from Safeway to their existing offers for customers.
- This is automatic - it costs you no time once you sign-up. No follow-up — they’ll post automatically.
- This is a great way to keep miles alive. One of the chief complaints about frequent flyer miles (after availability and taxes) concerns expiration. Did you know that any activity will keep your United or American account open for another 18 months? If you’re like me, you’ll spend well more than $250 in 18 months at the grocery store, so you might as well use that as a way to keep those miles around.
- It adds up. It is not fun to think about how much we spend at grocery stores, but its true.
Great Safeway Customer Service
Finally, I just want to make a quick comment about the great customer service that Safeway provides — they have people answering emails from 7 AM to 10 PM MST Monday-Friday and they promise a quick turn around. When I emailed them this afternoon, I heard back within a few hours from a real person who had taken care of making an adjustment to my account. Really seems unheard of these days, so I think it is worth a quick recognition.
(Not a big grocery shopper? Don’t forget, you can also earn frequent flyer miles for dining out!)
Tip’d - New Resource For Sharing Financial News and Ideas
Tip’d, a new social media site, launched last week with the intention of becoming the Digg of the financial world. If you are familiar at all with Digg, Stumble Upon, etc, you can skip the next paragraph, because you’re going to automatically know the drill, but ifyou’re not, it is best to let Tip’d describe itself:
Tip’d is a community for financial news, ideas, and tips. It operates as a social media platform, meaning the community (you) decides which news stories and investing tips should be published on our homepage. Tip’d users vote on stories they like by clicking the ‘Tip it’ button that appears next to each story, and then can comment by pressing the ‘Discuss’ link below the story.
Tip’d is meant for everyone — not just bloggers. See an article on Yahoo News or Money Magazine that you like? Submit it to Tip’d! Read a blog post that you think makes a good point? Submit it to Tip’d!
Lots of personal finance bloggers have already commented on Tip’d, so I decided to try out Tip’d, and I was pretty impressed.
What Makes Tip’d Special?
When I first heard about Tip’d, my immediate concern was that it was perhaps an answer to a problem that didn’t really exist. Digg, StumbleUpon, reddit, etc all do a very good job of aggregating information that falls out of their traditional technical focus. Does Tip’d bring enough to the table that warrants adding an extra site to the regular routine?
I think the answer might be yes, for a couple of reasons:
- Tip’d has the advantage of being specifically focused on the financial world, and so you’re able to support a greater depth of categories and topics than the bigger sites that generally lump all financial news together.
- Tip’d also has a very impressive design; it is not only very visually appealing, but it also very easy, intuitive, and responsive. It almost makes it too easy.
- Tip’d also seems to have a great team behind it — not only in that their leadership has a lot of experience with social media, but also in that they have the support of some great bloggers like Jim from over at Blueprint for Financial Prosperity.
Questions about Tip’d
That being said, I certainly have some questions about Tip’d that will probably take some time to answer. Mainly:
- Will Tip’d Develop A Community? This so fundamental of a question that it seems silly to place it with the rest of my questions. Simply put, if Tip’d doesn’t develop a community, it won’t succeed. The whole idea behind social media sites is that the aggregate opinions will bring the best articles to the top.
- Does Tip’d Have A Place For Me? I am still unsure as to exactly what the focus of the site is — while the tagline is a community for financial news, ideas, and tips, their about page describes Tip’d “as a place for investors — both amateur and professional — to meet, share, discuss, comment, and vote on what’s happening on both Wall Street and Main Street.”
My, interests (and by extension, my blog), though, deal more with personal finance and frugality than investing.I am comforted by the fact that some significant PF and Frugality bloggers have joined the site and are participating, so perhaps that will help create this frugality niche within Tip’d — otherwise it might just devolve into more news-oriented financial topics. I think I would be more comfortable about Tip’d, though, if perhaps there were a frugality category added. - Where does this leave PF BUzz? PF Buzz is a similar social media site that has been around for a while that deals with “the best money and finance articles” out there. As opposed to Tip’d, they have a bigger focus on Personal Finance and Frugality. I have not been an active user of PF Buzz, but I have enjoyed using it as a resource to catch up on the latest buzz. Will these two be competitors? PF Buzz seems to have struggled a bit to take off — will Tip’d face a similar fate?
Try It Out!
Regardless, I think Tip’d holds a great deal of promise, so I definitely encourage everyone to check it out. It is really easy to register, and if you do register, please feel free to add me as a friend — my username, of course, is studentscrooge.
Tipping: Psychological Warfare?
Photo by rick
I already devoted my last post to talking about the article “Why Tip?” from this weekend’s Times Magazine, but there is one more aspect that I can’t resist commenting on. The quote:
Cassinelli prided himself on earning big tips. “I could always upsell my tables’ liquor and desserts,” he said… There are other tricks at waiters’ disposal. Studies demonstrate that waiters can increase their tips by introducing themselves by name, squatting alongside tables, touching diners and drawing smiley faces on the backs of checks.
Yikes! When I read that, I had a whole series of flashbacks to all of these moments at the end of a meal where I undoubtedly was influenced by some of these strategies.
Is tipping some sort of game of psychological warfare?
So What Are These Strategies?
It wasn’t hard to figure out what “studies” the article was referring to — Cornell Professor Michael Lynn published a paper in 2004 called “Mega Tips — Scientifically Tested Techniques to Improve Your Tips.” It is a fascinating read on how customers respond to their waiters or waitresses. Some of his the strategies his research found effective include:
- Wearing something unusual
- Introducing yourself by name
- Squatting next to the table
- Repeating customers’ orders
- Smiling at customers
- Writing “thank you” on the check
- Calling customers by name
There were also some sillier suggestions, including touching customers, forectasting good weather, and entertaining the customer with a joke. All of these strategies had some sort of demonstrable impact during Professor Lynn’s research experiments.
Building a Connection - OK?
Looking back, I know I have been influenced by several of these strategies — inevitably, I feel more generous when the check says “thank you” or the server starts with an introduction. At first, this was a little unsettling to me; it didn’t sit well with me that I had allowed myself to be influenced by things like this. But is there really anything wrong with it?
Yes, someone could argue that wearing something unusual or squatting next to the table doesn’t really do anything to the service that warrants an increase in tips, but I’m not sure that matters. If I end up tipping more because of something my server does, it is because I am in a happier mood or feel a closer connection with the waiter or waitress; in other words, the meal has been more enjoyable, which seems like just as good of a reason to increase a tip than anything else.
Upselling, however…
I left out the most important strategy for a server to increase his or her tips — sell more. Given that most tipping is on a percentage basis, if you sell more, you get more. It is easy to forget this, but waiters and waitresses have a vested interest in selling you more expensive items.
It bothers me when I read quotes from waiters like the one at the beginning — “I could always upsell my tables’ liquor and desserts”. Asking for the waiter’s advice is always a strategy that should be taken with a grain of salt — I would hope that to get an honest evaluation, but the cynical part of me always has to wonder whether the price of an item comes into play. I hope for and expect to get a somewhat neutral opinion.
In fact, I wonder if “upselling” is not a risky path for a waiter or waitress — I get annoyed by upselling, and if I pressured into buying something I don’t really want, I’m likely to not only not oblige, but also be less inclined to leave a generous tip.
Good To Know
With the exception of upselling, I think most of these strategies are perfectly fair game, and I’ll probably continue to respond to them on some level. But I think its also a good idea to know what you are getting yourself into.
Any one have any other experiences with waiters or waitresses trying to increase their trips? Any good stories? Let me know!
Tipping: The “No-Tip” Restaurant
Photo by Cubbie n VegasThe New York Times Magazine featured an article this weekend called “The Food Issue - Why Tip?”, in which Paul Wachter chronicles the story of The Linkery, a San Diego restaurant that in 2006 eliminated tipping as a way of building unity amongst the staff and decreasing internal conflict. Don’t get too excited, though — while The Linkery does not accept tips, they do include a mandatory service charge of 18% on all of their checks.
The story largely focuses on the internal perspective of the restaurant with regards to the no-tipping policy, but the piece raises some interesting questions from a consumer standpoint, too.
The Linkery’s Plan
The Linkery’s idea was simple: the issue of tipping was dividing the staff — with waiters angling towards better tables, cooks feeling lefts out, etc. — so why not eliminate the tip entirely? Raising prices was not feasible due to competition, so The Linkery settled on adding an 18% service charge that was pooled and shared. While there are certainly restaurants that add mandatory service charges, The Linkery takes it a step further by banning any additional tipping.
One waitress was quoted in the article as saying, “for the first time, I get to concentrate on the job, and I’m looking at the guests without seeing dollar signs or worried about what anyone else is making.” Sounds great from a consumer perspective — your wait staff feel more involved in the restaurant, and are less likely to aggressively seek tips.
Americans Don’t Like Service Charges
The problem, apparently, is that Americans don’t like service charges. The article mentioned a statistic from the Zagat Survey concerning a preference by patrons for tipping as opposed to a service fee. I tried to find out more information on that claim, but the best I was able to find was a New York Times article from 2005, “What, No Tip? Service Charge Faces Struggle at Restaurants“. That article provided the following statistics from Tim Zagat:
- About 80 percent of people surveyed preferred to decide themselves how much to tip
- Americans like to reserve the discretion to give no tip (or a punitive tip), but rarely exercised that right
- The average amount left (in 2005) was about 18.5 percent
Apparently, Americans like the comfort of knowing that they can punish or reward for service, but rarely choose to deviate from the normal tipping etiquette.
It is even more interesting when you consider that tipping really doesn’t make much sense from a logical perspective. As the article points out, the tip comes after the service, so unless you’re planning on building a future relationship with a waiter, you have nothing to lose by skipping out. The waiter or waitress simply has to count on the fact that you are going to come through with a tip — falling back on psychological factors.
Way of the Future?
I’ll admit — my gut instinct is that I fall into that eighty percent of Americans who prefer tipping over a service charge. I never penalize a waiter or waitress using the tip — I don’t think it is ever really appropriate (if I have a problem, I would talk to the manager). I suppose my attachment to the tip comes from the sort of inherent satisfaction that comes from rewarding (thanking?) someone for their work. It seems to me that simply paying the service charge doesn’t adequately thank the server for their work. Do they even need to be thanked? I suppose that is a fair question — it is their job — but it still seems like it is appropriate to make some kind of explicit action of gratitude.
But the arguments of The Linkery seem sound. I can definitely see how tipping can cause strife within a restaurant’s staff, and if Americans are going to on average leave around 18 percent tip, why not assess a service charge in that amount that fairly distributes it around the employees? After all, if you really have a problem with your service, a manager will almost always make it right. So I don’t know — perhaps it is not a bad system all things considered.
What are you thoughts on the idea of a mandatory service charge and no-tip? Yea? Nea?
The American Airlines Low Fare Guarantee
Photo by Cubbie n VegasSomething unexpected happened earlier today when I was booking a weekend trip to visit a friend — the American Airlines website was not offering the cheapest price for one of their own itineraries. I usually use a site like Orbitz to search for the cheapest airfare but then book with the airline directly; as a general rule, the airline should always offer the same basic fare.
American is so confidant that they will always offer the cheapest fare, in fact, that they guarantee the lowest fare — so I saw this as a golden opportunity to test the system for the first time personally.
American’s Lowest Fare Guarantee
The idea is simple: if you can find the exact same itinerary on a competing travel website, they will refund the difference and give you a $50 credit. As they say, however, the devil is in the details:
- You must first book the (more expensive) ticket on AA.com – that is right, in order to invoke the guarantee, you have to book the more expensive ticket first and hope that the request is approved. I think this is probably the most annoying aspect; if American declines your request, you are stuck having paid for the more expensive fare.
- You must then find the exact same flight, itinerary, cabin, and class on a competing website. Not only that, it needs the same fare rules and restrictions.
- The guarantee only applies to tickets originating from the domestic United States.
- You must then file the claim by midnight central time on the day you purchased the ticket.
- The Lowest Fare Guarantee does not apply to unpublished fares — so student airfare, consolidator tickets (Priceline “name your own price”, etc”) do not count. What this effectively means is that to have the best chance of success you should limit yourself to sites like Expedia, Orbitz, etc
- The Guarantee only applies to lower fares you find on the same day at other websites; American won’t honor price drops from their own AA.com
This makes the entire process fairly complicated, although I can understand why it needs to be this way. Unfortunately, the requirements concerning fare rules, restrictions, and unpublished fares, combined with the requirement that you buy the ticket on AA.com first, makes this risky in all but the most certain situations.
Submitting the Request
Nevertheless, I was fairly confidant that I had found a valid lower fare; Expedia, Orbitz, and Travelocity were all showing a lower price than AA.com, and it seemed to fit the same fare rules. So I decided to buy the ticket from AA.com and submit a Lowest Fare Guarantee.
Within minutes of submitting the claim online, I received an automated response from American that included more information on the process. The email said that if they could not verify it themselves, they would need to see:
- a screen shot of the competitors web site, showing the identical AA
flights, travel dates and the lower fare showing all taxes and fees
- a screen shot of the Fare Rules & Restrictions page (not to be
confused with the competitor web site s rules and restrictions for site
usage)
The first requirement makes sense, but the second one is likely to trip people up — they want to see a copy of the fare rules associated with the ticket. Here’s a hint to make sure you actually find the fare rules: the rules usually look overwhelming and are difficult to decipher in their all-caps block format. So remember — American needs both the itinerary from the competing website, but also a copy of the fare rules!
In addition, please note that our e-mail system is unable to accept attachments, and
faxing is the only way to relay your information to the processing team.
Setting the other requirements aside, this I think is the most annoying part. They don’t mention this on their website, but if they can’t verify the lower fare, they want you to fax them the screenshots. Do you have easy access to a fax machine? I certainly don’t. That seems like it is a poorly designed email system if they cannot accept attachments.
Success!
Thankfully, within an hour, I received an email advising me that the request had been approved. The email advised that I should expect a refund to my credit card in the amount of the difference, and the email contained a promotion code good for $50 off a future flight. Of course, American left a few more surprises:
- I am supposed to expect the refund to my original form of payment in “2-3 billing cycles” - I really hope that this is their way of covering their bases, and that it won’t actually take this long — I’m not going to be thrilled if I have to wait three months to get my $40 back.
- The $50 promotion code they give you has a bunch of embargo dates that are not advertised in advance: for domestic flights, that includes Jan 1-5; Mar 13-15 + 20-22 + 28-30; Apr 10-13; Jun 27-28; Jul 5-6; Nov 20-25 + 28-30; Dec 19-23 + 26-30. For international flights, there is a separate set of embargo dates that in some cases is less restrictive — I’m not sure if these dates are meant to be in addition to or instead of the domestic embargo dates (why would they embargo spring break domestically, but not internationally?).
Helping the Middle Class? Time for a crash-course in personal finance.
“What is the single most important initiative that the next administration should undertake to improve the economic health of the U.S. middle class?”
That’s the question that I’m tackling today, along with eight other personal finance bloggers in a synchronized blogging project (a “synchroblog”) that was organized by Mr. ToughMoneyLove. You’ll find my response below, and I then encourage you to check out the responses that each of the other eight bloggers posted on their own respective blogs (links below!). This is all timed, of course, to coincide with the second American presidential debate this evening — hopefully it will give you something to think about.
To Start: Personal Finance 101
There are certainly a lot of initiatives that the next President of the United States can (and, in my opinion, should) take to relieve the crushing burdens on the middle class, including addressing health care, college tuition, retirement plans, job transitions, and more. All of these are definitely important, and I am always interested in discussing these details, but I would like to suggest a much simpler undertaking for the next President of the United States: send all three hundred and five million of us back to “class” for a day for a crash-course in personal finance and financial responsibility.
It is no secret, really, that financial literacy in the United States is, to put it mildly, quite poor. Most of these report cards on financial literacy focus on the important technical aspects of our financial system — banking basics, how credit works, introduction to income taxes, retirement account plans, etc. The technical details are certainly important — there are countless stories of people who simply didn’t understand how credit cards function only to quickly find themselves deep in credit card debt. Many who have been hurt in the subprime mortgage crisis might have been able to choose a safer path with a stronger financial background (not to blame the victim — predatory lending practices deserve a bulk of the blame). More importantly, a solid understanding of the technical details of personal finance is key to making the most of limited economic resources.
However, when I refer to a crash-course in financial responsibility, I am referring to more than just the nitty-gritty of interest rates — rather, big picture concepts like spending within one’s means, coming up with a budget to work within, planning for the future — planning not only for the best case future, but also for the worst case future — and more. Personal finance can be intimidating for people, but I think there are certain key concepts that can be accessible to everyone. Yet for some reason, not enough people seem to heed these ideas.
This issue — which I think has always been important — has only taken on increasing importance in the last three weeks, as the world faces a financial crisis the likes of which we haven’t seen in quite some time. We may be entering a tough recessionary period, which makes it all the more important that Americans be prepared to cut back, live within their means, and conserve resources. Being prepared to take such steps will make it easy to minimize as much as possible any impact on everyday lives.
As a current student, I have a somewhat unique viewpoint, and I am worried about many of my peers who are heading into the “real world” in the next couple of months. My own anecdotal experiences reinforces the common perception that many have a dangerous relationship with credit cards (one recent study put the average credit card debt for college students at $2700), and I question whether many of will be able to manage their finances responsibly as they face such a negative market. It’s a recipe for disaster.
All of this gets back to my original suggestion — the next President of the United States should take everyone aside for a day and give them some basic tips to handle their finances effectively. Responsible spending, living frugally, maximizing savings, an encyclopedia of technical concepts are all worthy subjects. The idea is to get Americans more informed.
A little far fetched? Perhaps. But the point remains — its time for Americans to step up, and education is the best weapon.
Why is this the *most* important initiative the next administration can undertake?
Simple:
- It is fundamental to understanding the current economic crisis. Without financial literacy, Americans are at a distinct disadvantage when it comes to participating in the political process that is trying to fix it. Our politicians shouldn’t have a blank check to do what they wish simply because the American public doesn’t understand the situation.
- Many, many economic problems faced by Americans today can be traced to a lack of financial literacy.
- Providing advice on living financially responsibly and frugally is probably one of the best ways that the federal government can help prepare Americans for economically tough times.
And Now For Some Other Perspectives
Now that you have heard what I think, I encourage you to check out the responses of the other participants in this synchroblog project. Definitely some great responses; I’m very honored to be included in such a great group.
- Blunt Money: Long-term thinking
- Cash Money Life: Pork-barrel spending
- Clever Dude: Accountability
- Finance Your Life: Energy crisis
- Fiscal Zen: Confidence in banking/lending
- My Dollar Plan: Education
- My Journey to Millions: Less government intervention
- Student Scrooge: Education
- Tough Money Love: Education
What Do You Think?
After checking out the other synchroblog entries, I’d love to hear your opinions — what do you think is the single most important initiative that the next administration should undertake to improve the economic health of the United States middle class?
Bookmarked: Looking Back and Looking Forward
It is hard to believe that September has already come to an end! Looking back at the traffic stats for Student Scrooge, it has been fun to see the organic growth that has been occurring. Hopefully it keeps heading in the right direction!
As always, if you like what you see, please consider subscribing to Student Scrooge via RSS Feed or via Email.
Carnivals…
I participated in the 171st Carnival of Personal Finance - The Celebrate Fall Edition over at Sound Money Matters. Included in the carnival was my post on cash discounts appearing at gas stations.
I also participated in the 172nd Carnival of Personal Finance - The Meltdown Edition over at Debt Kid, which included my post on whether it is OK to lie in the name of frugality. (I was also excited to see the great Political Calculations blog consider it their “Best Post of the Week, Anywhere!” among the last week’s money and business related carnivals. Cool!).
Finally, my post on quick tips for textbook shopping was included in the 145th Festival of Frugality - The Gratitude Edition, hosted by Value For Your Life.
Thanks to all three hosts!
Around the Blogosphere…
The round-up this week has a very “college” student theme:
- Jim over at Blueprint for Financial Prosperity had an interesting post with 40 Money Tips for College Students. He is dead on with his two most important rules: first, to graduate with no debt (something far too many college students don’t understand), and second to have fun (which is something that you can easily lose sight of).
- Frugal Dad has a great list of six secrets to save money when you are young. These are very “big picture” suggestions (as opposed to Jim’s above), but are all so important — I wish every young person would at least give consideration to these suggestions.
- Just as a lot of college students begin to think about the next step, Trent over at The Simple Dollar has some great suggestions on how to find and utilize a mentor — something that really can be useful at all levels of life.
- Finally, of course, not every moment of the day needs to be productive. Broke Grad Student gives us 8 sites to help every college student procrastinate.
Tuesday: “Synchroblog” Project
This coming Tuesday, I will be participating in a joint blogging project with ten other bloggers on the subject of what the next (United States presidential) administration can do to improve the economic health of the U.S. middle class. All ten bloggers will post their own thoughts on Tuesday morning — timed to coincide with the day of the second presidential debate — and then provide links to all of the other entries. Some major personal finance bloggers are participating (I feel a bit out of my league!), so it should be fun!
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