Archive for October, 2007

Easy money for busy people: Online Savings Accounts

Dollar signDo you have an online savings account? No? You do you know why you need one, right?

Don’t feel bad if your answer is “No.” Most people I meet don’t understand why online savings accounts are better than accounts with brick & mortar banks. Even some of my smartest, most rational friends don’t yet have an online savings account.

But it’s stupid not to have one.

There are three important reasons why you should have an online savings account: Interest, interest, and interest.

Online savings accounts typically make about 4-5% APY, versus about 0.5% at brick & mortar banks. Additionally, most are FDIC insured, which makes them as safe as regular savings accounts.

Let’s say you have $5,000 traipsing about in your brick & mortar savings account. It’s probably earning you about $25 per year. But a high-yield online savings account with a reasonable 4.5% interest rate makes you around $225 per year. The more you have saved up, the more you could be earning by opening an online account. At the $15,000 level, the difference is $600 per year.

An online savings account is one of the most convenient ways for a young professional to stash and grow an emergency fund. It’s a lot easier and less stressful than opening an IRA. (Not that you shouldn’t open an IRA, but you should probably have an emergency fund created first. Baby steps!)

And if you don’t have a savings account already, you might find that keeping your savings separate from your checking account has an added “out of sight, out of mind” benefit—it’s harder to spend money impulsively when it’s safely squirreled away.

If you’re still not convinced, you might be persuaded by the signup bonuses offered by the various e-banks. I made the easiest $150 of my life by opening an online savings account with Citi a few months ago.

So do some research. Ask around. And then open a damn online savings account. Your wealthy future self will thank me.

iMorbid

Dead iPod NanoMaybe you’ve seen this floating around the internetz: The iPod Death Clock.

This nifty little widget can predict how much longer you can reasonably expect your iPod’s battery to last, based on age and frequency of use.

The death clock says my 1st generation iPod Nano’s battery is probably at around 40% of its original capacity, and that sounds about right. But I think I’d rather just get a new iPod altogether rather than bother replacing the battery. After all, 2 gigabytes ain’t what they used to be.

The problem is, I think that the new 3rd gen iPod Nano (pictured) is ugly, and the full-size iPod is way more mp3 mojo than I need. Dilemma!

Behind the Scenes

This was a busy weekend for the blog, even though things look more or less the same. I assure you though, the blog has got all new innards after an upgrade to WordPress 2.3.

I also implemented a “Related Posts” feature. So far I’m not terribly impressed with its conceptualization of ‘relatedness’, but I’m sure it will get more relevant as the Guppie Life matures.

As always, let me know if there’s something missing from the Guppie Life that you feel belongs on the blog. I aim to please… (and shoot to kill, but that’s beside the point).

Lacoste Outlets

Lacoste logoLooking at the traffic pattern on my blog, I’ve noticed a few of my reclusive readers are very interested in my post, “How to Get Lacoste for Cheap(er).”

As such, I thought these readers might like a list of the locations of all of the Lacoste outlets in the U.S. The list can be found on the Lacoste store locator, but that list includes the regular full price retail stores as well.

Without further ado:

  • California
  • Lacoste Camarillo Outlet
    Camarillo Premium Outlets
    910 Camarillo Center Drive, Suite 830
    Camarillo, CA 93010
    Phone: 805-389-5365
    Fax: 805-389-5366
    camarillo@lacoste-usa.com

    Lacoste Carlsbad Outlet
    Carlsbad Premium Outlets
    5620 Paseo Del Norte Suite 106C
    Carlsbad, CA 92008
    Phone: 760-268-1100
    Fax: 760-268-1101
    carlsbad@lacoste-usa.com

    Lacoste Desert Hills Outlet
    Desert Hills Premium Outlets
    48650 Seminole Drive, Suite I-238
    Cabazon, CA 92230
    Phone: 951 922-2138
    Fax: 951 922-0709
    deserthills@lacoste-usa.com

  • Florida:
  • Lacoste Miromar Outlet
    Miromar Premium Outlets
    10801 Corkscrew Road, Suite 502
    Estero, FL 33928
    Phone: 239-495-0707
    Fax: 239-495-0708
    miromar@lacoste-usa.com

    Lacoste Orlando Outlet
    Orlando Premium Outlets
    8200 Vineland Avenue, Suite 1128
    Orlando, FL 32821
    Phone: 407-465-0500
    Fax: 407-465-0501
    outletorlando@lacoste-usa.com

    Lacoste Sawgrass Outlet
    Sawgrass Mills
    12801 West Sunrise Blvd. Suite 1041
    Sunrise, FL 33323
    Phone: 954 835-2311
    Fax: 954 835-2333
    sawgrass@lacoste-usa.com

  • Illinois:
  • Lacoste Chicago Outlet
    Chicago Premium Outlets
    1650 Premium Outlets Blvd. Suite 1055
    Aurora, IL 60504
    Phone: 630-851-9006
    Fax: 630-851-9007
    outletchicago@lacoste-usa.com

  • Massachusetts:
  • Lacoste Wrentham Outlet
    Wrentham Village Premium Outlets
    1 Premium Outlets Blvd. Suite 260
    Wrentham, MA 02093
    Phone: 508 384-8095
    Fax: 508 384-8096
    wrentham@lacoste-usa.com

  • Nevada:
  • Lacoste Las Vegas Outlet
    Las Vegas Premium Outlets
    855 S. Grand Central Pkwy, Ste. 1570
    Las Vegas, NV 89106
    Phone: 702 382-8369
    Fax: 702 382-8371
    outletlasvegas@lacoste-usa.com

  • New York:
  • Lacoste Riverhead Outlet
    Tanger Outlet Center- Riverhead
    817 Tanger Mall Drive
    Riverhead, NY 11901
    Phone: 631-208-8700
    Fax: 631-208-8701
    riverhead@lacoste-usa.com

    Lacoste Woodbury Outlet
    Woodbury Common Premium Outlets
    423 Evergreen Court
    Central Valley, NY 10917
    Phone: 845 928-7973
    Fax: 845 928-7823
    woodbury@lacoste-usa.com

  • Texas:
  • Lacoste San Marcos Outlet
    Prime Outlet San Marcos
    3939 IH-35 South, Suite 1240
    San Marcos, TX 78666
    Phone: 512-392-8107
    Fax: 512-392-8108
    sanmarcos@lacoste-usa.com

  • Virginia:
  • Lacoste Leesburg Outlet
    Leesburg Village Premium Outlets
    241 Fort Evans Rd. NE, Suite 685
    Leesburg, VA 20176
    Phone: 703-669-4740
    Fax: 703-669-4741
    leesburg@lacoste-usa.com

Hopefully there is a Lacoste outlet near you.

Gay Halloween Costume Ideas

IHalloween is my favorite holiday. It is Mardi Gras’ little kid brother plus Gay Christmas rolled into one. Themed parties and booze and costumes, what’s not to love?

To paraphrase Mean Girls, “Halloween is the one night a year when guys can dress like a total slut and no other guys can say anything about it.”

The best part is definitely choosing a costume. You want to put a lot of thought into your costume, because it makes a statement about the kind of person you are, and a good costume lends itself to effortless flirting.

  • Dress up as an angel to portray innocence and purity—or as a fallen angel if you want to be a little risqué. As an easy variation, you could go as Cupid and ask hotties if they believe in love at first sight.
  • Going as a devil invites the obvious “horny” innuendo. But sinners have all the fun, right?
  • Couples might consider matching costumes. Perhaps a cowboy and Indian or cop and robber? It’s cute without being saccharine. I’ve even heard of partners going as the Ambiguously Gay Duo from SNL, Ace and Gary.
  • An old standby is any profession with a recognized uniform. As a fireman, you get to ask, “Wanna slide down my fireman’s pole?” Policemen can play with handcuffs. Doctors get to perform physical examinations and deliver the line “Open up and say ‘Aaaaah!’” And sailors can make jokes about sea-men.
  • If you’re not one for subtlety, you could always wear a noose around your neck.
  • I think my all-time favorite Halloween costume is the classic vampire. They’re dark and sexy. And if you go as a vampire, you can get away with biting guys playfully on the neck, but I’d be careful with that one—after all, once bitten, twice shy.

How to Write Successful Social Networking Profiles, Part 2: Your Profile as an Ad

If you haven’t already, check out the first part of this series, “How to Write Successful Social Networking Profiles.”

Whether the aim of your profile is making friends or meeting new people to date, you want to think of your profile as an advertisement about you. You’re the ‘product’ we’re trying to push, or more specifically, we’re trying to convince people that they should spend some of their hard-earned free time with you.

Admittedly, this isn’t a tip so much as a suggestion of the mindset you should have when writing an online social networking profile. If you need inspiration, just look at the world around you—at this very moment you’re probably being inundated by advertising, whether it’s print, online, television or radio.

I hope this idea makes sense to you, but if you’re still not convinced, read on:

1. Post a picture
If you were allowed to include only include one item in your social-networking profiles, it should be a picture. Without a picture, your response rate is going to be nearly zero, and the responses you do get will probably be of questionable quality.

With digital pictures so easy to come by these days, the immediate thought that should pop into your head when you see someone without a picture is “Why doesn’t he have one posted?” It could be that you’re dealing with someone who is trying to cheat on his partner (male or female) or someone who is confused about his sexuality (read: closet case).

Going back to advertising—How often do you buy a product sight-unseen? Probably very rarely. So why would anyone want to meet you without seeing a picture first?

There is something reassuring about seeing a photo, but there is something even more reassuring about several, so post as many good ones as you have to ensure that your audience gets a good idea of what you look like. If you need help picking your best shots, ask a friend for help. You might be biased against your best pics because you’re familiar with them.

2. Reduce ad blindness
In advertising, “ad blindness” refers to the point at which the audience recognizes a familiar ad as such and subsequently ignores the ad. This is all done subconsciously within a split second.

The same thing can happen with your social networking profile if you do not keep it updated. Ideally, you should add a new profile picture every few weeks and change up the headline. Those two things should alter your profile enough to register as ‘unfamiliar’ to your audience who will then be forced to dwell on your profile whilst evaluating it.

3. Be positive
When’s the last time you saw an ad for a product that tried to convince you not to buy the product in question?

Then why do so many gay men feel obligated to list all of their faults online? i.e. “Not really sure why I’m on here, just got out of a long-term relationship…” Stop! Go no further. Do not pass go, do not collect $200.

I’m all for full disclosure, but that can wait. Your profile should extol your virtues, not complain about your vices.

NEVER discuss the following topics on your social networking profile: past relationships, past abuse, body image problems, bad habits, unhappiness with your career, money troubles, substance addiction, or anything that could fall under the category of ‘drama.’

If you can’t say anything nice about yourself, then you’re probably not in a place in your life where you are ready to make new friends. But if you absolutely cannot think of anything to say, simply list what you expect out of others.

That’s it for now. If you have your own suggestions, let me know! And stay tuned.

End of season Lacoste swimwear clearance

Slickdeals brings us severely discounted Lacoste swimwear, $12-$29.

I’ve never heard of Dr. Jay’s, so I can’t vouch for authenticity, but it looks legit enough.