School: Back to school shopping ripoffs?

August 25th, 2010 by sudapatkan

58; Back to School (tagged) by Sara. Nel

Virginia, along with many other states, will be featuring sales a tax free weekend in August. This weekend, August 1-3, Virginia will be having a sales tax free weekend, which will encompass purchases made mainly for back-to-school purposes.

The sales tax free weekend in Virginia began at 12:01 AM on Friday, August 1 and runs through midnight on Sunday, August 3.

What can you buy this weekend?

Clothing may be purchased during the tax free weekend at retail price and is not subject to tax unless the cost of the clothing exceeds $100.00 per article of clothing. Footwear is also included and also subject to the $100.00 price cap. However, sports equipment or footwear which will be primarily used for athletic activities is not eligible. If the clothing or shoes are not appropriate for everyday use and wear, it will not be eligible this weekend. If unsure of whether an item of clothing will be eligible, please consult the list posted on the Virginia Department of Taxation site, which can be accessed here.

In addition to clothing, some school supplies will also not be subject to taxation this weekend in Virginia. Common back-to-school items such as backpacks, pencils, erasers, glue and folders will be tax free this weekend so long as each individual item has a price tag of less than $20.00. A list of eligible school supplies is posted on the on the Virginia Department of Taxation site, which can be accessed here.

Notably absent from the list are computers. The tax free weekend in Virginia does not apply to computers or computer accessories.

Upcoming tax free weekends in Virginia

October will bring another tax free weekend to Virginia. Anyone planning to replace or purchase appliances in the near future may want to hold out for the Energy Star Tax Free Holiday slated for October 10-13. During that tax free Friday through Sunday time period, Energy Star appliances costing $2,500.00 or less will be sales tax free, provided they will not be used for commercial purposes. Exempt items will include washers, dryers, programmable thermostats, and much more. For a complete list of Energy Star eligible items, please visit the Virginia Department of Taxation site.

Potential to save money

Planning purchases around tax free weekends can save consumers a tidy sum of money. For instance, a book bag might cost $15.00, which subject to the 5% sales tax brings the purchase price up to $15.75. Seventy-five cents may seem like pocket change, but considering that a USA Today article indicates that parents will likely spend between $100-$249 per child on back-to-school, the savings could add up fast.

Additional Sources:

http://www.tax.virginia.gov/web_pdfs/STHAllExemptList.pdf

http://www.tax.virginia.gov/web_pdfs/STHAllExemptList.pdf

References:
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Buy what you need for the first day of school but don’t buy too much for the rest of the year. Some items, such as pencils and pens, might be useful to stock up on if there is a great sale. But since many stores overstock on items, you may actually be able to find some bargains by scanning for sales after the back to school rush is over.

Did you know

August 14th, 2010 by sudapatkan

‘67 Super Sport Chevy by John P Sullivan

Disney’s All Star Sports Resort is a all about sports. There are larger than life decorations of basketballs, hockey equipment, tennis, football helmets and more! Bright and bold colors greet you and get you ready for the fun ahead. Choose to stay in the different areas such as baseball or basketball. Disney All Star Sports Resort is one of Disney’s four value resorts. The lobby is large and open with plenty of space for people checking in and out. There is no valet service available at this resort.

Disney’s All Star Music Resort rooms are set up like a standard hotel room. They are neat, clean and have a basic design. Their lower price is what attracts many people to the Disney value resorts. Standard rooms can be enjoyed for around $80 a night, while a preferred room will be just a few dollars more. The preferred room is closer to the pool area. Disney’s value resorts make Disney affordable even to those on a tighter budget.

Disney’s All Star Sports Resort has a baseball themed Grand Slam pool and a surf themed pool in the Surf’s Up area. Small children will enjoy the kiddies pool for splashing around in. There is an arcade called Stadium Hall with air hockey, video games and more across from the food court section. A small outdoor playground is available for your kids climbing pleasure as well.

At the “End Zone Food Court” you will find sandwiches, snacks, burgers and more. Pizza delivery is available at this resort, though room service is not. There are no formal restaurants here, but plenty of food choices to meet your needs the food court. There is also a gift shop as well for all your last minute needs.

Bus transportation will bring you between the Disney theme parks, water parks and Downtown Disney shopping area. Buses run on a regular schedule, so there is never a long wait. You are just a quick trip to Magic Kingdom, MGM Studios, Epcot and Animal Kingdom.

Near each pool area is a laundry facility. These are a great feature for the family who needs to do a quick load of laundry.

Disney’s All Star Sports Resort is a great way for your family to enjoy Disney while not spending a lot on your accommodations. Choosing one of Disney’s value resorts is one way to enjoy a Disney vacation without going broke!

What I did today

June 16th, 2010 by sudapatkan

Al Davis is quite possibly the most controversial figure in sports history. If you aren't a Raiders fan, you probably can't stand the thought of him. The truth is that without this strong-willed, do-anything-it-takes-to-win type of manager, the NFL wouldn't exist as it is today. Love him or hate him; if you are an NFL fan, you are an Al Davis fan.

As any football fan knows, there was a rival league to the NFL throughout the 1960s. It always appeared the NFL was superior to the AFL. The truth is in 1966 Al Davis was elected AFL commissioner because the AFL teams knew he would do anything (and everything) it takes to make the AFL succeed. There was one major mistake made by NFL commissioner Pete Rozelle that nearly cost the NFL to fold, and the AFL to prosper.

Back then, the NFL and AFL fought over the right to sign players to contracts to play in their league. There was an unspoken rule between the AFL and NFL that when one league got a player, that player belonged to the representative league. This changed however when AFL placekicker Pete Gogolak was signed by the NFL's New York Giants after his contract was expired. Rather than vetoing the contract (like was typically done), Commissioner Rozelle allowed the contract and the war between the AFL and the NFL was officially on.

Al Davis is not one to back down from a challenge, and Commissioner Rozelle's actions were a direct attempt to force the AFL into submission. Rather than back down and surrender, Commissioner Davis instead formulated a battle plan to attack the NFL. Instead of signing NFL players whose contracts had expired, Davis encouraged AFL owners to go after the heart of the NFL….the quarterbacks.

Davis sought out all the NFL's top quarterbacks, and had them signed to futures contracts. Thus, NFL quarterbacks that had years remaining on their current contracts were signed to contracts that would take place two or three years down the road when the contracts did expire. In doing so, ALL 8 AFL teams had signed an NFL staring quarterback to a futures contract including John Brodie and Roman Gabriel. The gloves were off against the NFL.

NFL owners, fearing (knowing) they were outmatched by a visionary Al Davis, started approaching lower market AFL teams to see if they were interested in a merger. When the AFL agreed to merger agreements set forth by the NFL (unknown to Al Davis), the NFL dodged a huge bullet from an up and coming AFL. While Al Davis was against the merger (he though the AFL had the NFL on the ropes and the NFL should merge with the AFL), Al still had a place in his heart for America's Game, and returned to Oakland as the President of the General Managing Partner.

Battles would continue for the next 40 years between Davis and Rozelle. When the LA Rams decided to move their team to Anaheim, Al Davis saw the dollar signs that LA had to offer him compared to the small market Oakland area. Even though fans were unlike any other in Oakland, Davis had a hard time getting the city to commit to putting luxury boxes in the stadium (NFL owners are not required to share revenues with visiting teams from luxury box suites like they are regular seats). Davis had a verbal agreement in place with the LA Coliseum for a luxury box stadium, as well as seating for 100,000 individuals. In order to move an NFL franchise, it was required to vote at the owners meetings in which Al got one yes vote to allow the move….his own.

In 1980, despite being voted down, Davis tried to move the Raiders to LA anyway but was blocked by a court injunction. In turn, Davis filed an anti-trust lawsuit against the NFL. In 1982 Davis got his wish, and the team officially was relocated to LA. Davis' argument was the NFL was preventing him from becoming a successful businessman and that each team should be treated as a separate component of the NFL. Davis won his argument, and now NFL owners are allowed to move their teams at will.

Despite being a visionary, Davis has also been a proponent from day one on judging individuals based on their abilities to win, rather than race or gender. He was the first to hire a Latino head coach (Tom Flores), the first to have an African-American head coach (Art Shell), and also has placed Amy Trask as the president of the club, a higher position than ANY NFL owner has ever placed a woman.

Most people view Al Davis as a senile old man who has lost his marbles. The truth is, the rest of the NFL is still intimidated by the vision Mr. Davis has. In the 2008 offseason, Mr. Davis went on a spending spree to the tune of over $150 million to help turn his club around. Most called him a lunatic for creating a salary cap hell in future years. But once again, Al Davis was a step ahead of the competition. He knew the NFL owners would opt out of the collective bargaining agreement, which means the potential for uncapped years ahead. If a new agreement can't be reached, the NFL could turn into the same situation Major League Baseball has. If this happens, Al Davis will once again be considered a visionary that was once again a step ahead of the competition.

Love him or hate him (most will pick the latter) Al Davis made the NFL what it is today. Without him, there would still be football to watch every weekend, but viewers quite possibly would be tuning into AFL games instead of NFL games. NFL teams would not be the successful business entities they are today without him as well and teams would be forced to stay put in undesirable marketing venues. The harsh reality is Raider fans love him because he will do what it takes to win. Fans of other teams hate him because they don't have him acting as GM to put their team ahead of the competition. In the end, Al Davis will never be looked at in the light he deserves, even though most fans are to ignorant to understand what football today would be without him.

[flickr ('tv')]

Great article I found

June 16th, 2010 by sudapatkan

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Wave landscape by Cuba Gallery - www.cubagallery.co.nz

Daily Thoughts

June 14th, 2010 by sudapatkan

What if today

we thought of

someone we loved

and prayed for them

You never know

how that prayer

might touch their life

Quatre Petites Crème Brûlées by silverlily

I Cant Wait For Summer

June 12th, 2010 by sudapatkan

In recent years we have heard more and more Americans struggling to stay aboard this so called American dream. But what is the American dream? To live wealthy? To have good health? To be educated? Those three things all have one thing in common; MONEY. Without money, those three things don't exist and if you can't manage it, find someone to do it for you.

Three years ago I went through a rough patch in my life involving finances. It seemed like every bill I had doubled in a course of four months, meanwhile my job cutback to no overtime. My healthcare coverage with BlueCross BlueShield went up twenty dollars a month because I turned 30. Wow, as if 30 means I'm going to suddenly have more health problems? Was it really necessary to go up another $240 a year? Then my utilities went up. The water and electric bill were outrageous! It was only me living in my condo but yet my electric bill went up because of high gas prices. I guess the town water supply felt left out so they raised their rates too. Then since I live in a condo, the condo fees went up. They said we were over budget by $33,000. What! How could they let it go over by that much? Don't you think they would monitor where this money was being spent during the year and not at the end of the year! So now I have to shell out $500.00 on top of the already $230.00 a month I pay. Plus, they had the nerve to tell me I had to pay it within three weeks or I would be fined! So I sucked it up, ate ramen noodles for a month, lost twenty pounds, and paid the bill.

The last financial burden of that year was my tuition. I go to an art school which is way overpriced, but for some reason art schools are always high. I've always wondered why because it's not like when I graduate I'm going to be making mega millions to pay off these high loans I've accrued. So at the time I was making about $45,000 a year which in Maryland that's not even the median. I applied for my financial aid (loans) so that I can save the college bills for later. Well our great federal government told me that I make too much money to get full loans, so now I have to either pay the difference out of pocket or quit school. So I again sucked it up and paid because I had already been in school for three years. I couldn't just quit and give up the desire to have that piece of paper that will get me out of the job I currently have, that I hate so much.

The next thing I tried to do to gain more money, was refinance my mortgage. I new the rates were dropping and I had been in my home for a year and half so I thought for sure I could do it. I called my lender (summer of 2008) and got approved for 5.3 interest. Wait for it, wait for it…that's right denied! “We're sorry to inform you that even though your loan was approved your home appraised $6000.00 less then what you need it to.” So in order for me to get the loan I would need six grand! I didn't have six grand. I barely had money to eat.

Then I started to realize that I'm not alone. Millions of people in this country were going through the same thing. Some people made their own financial mistakes but then you have people that are just getting screwed. If I have to do things like using an extra blanket to keep warm or not buying that ice cream to save a buck or two, I'll do it. I'm all about making sacrifices to get ahead.

Now this brings me to 2009. I just got my income tax refund and yes I got to claim all my interest paid on that high mortgage plus all the tuition I paid. So I was planning on using that money to refinance my mortgage once again. I called my lender and guess what? My home is now worth $20,000 less then what I owe! How is this still happening? I pay my bills on time every month and my credit score is excellent, but now I cant refinance because of everyone else not paying their bills. I've tried everything possible to try and refinance. I even told them I was going to go into foreclosure just to see if they would call my bluff. They did. So as I sit here in this high interest condo, I realize that I'm not living the American dream. I'm struggling just like everyone else.

Summer landscape by Cuba Gallery - www.cubagallery.co.nz

Hello world!

June 12th, 2010 by sudapatkan

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