Various things and my face

Today’s post will be a whole variety of things. There’s lots to talk about, but none of it warrants its own blog post. Have fun bouncing from topic to topic.

Up first, Korea. 

Peace out Korea, this Ninja’s ready to get back to Seattle. I’m embarking on my 20 hour journey back to the states today and am so pumped for a few things; 1) Mexican Food. 2) My desktop computer (this laptop gets annoying). 3) Fruit. 4) My bed. And of course…5) Quality time with Girl Ninja. Unfortunately, she is flying to San Diego this weekend, so im gonna hang out at the airport after I land to eat a quick meal with her before she hops on a plane to SD. Depressing, but still excited to see her. Oh, and random frustration; I rented Moneyball through iTunes to watch on my flight back, only to find out a few hours later Moneyball is one of the movies being shown during my flight. Frick.

shot from my Seoul City Tour this last weekend

MANteresting Update: 

Are you sick of me referencing MANteresting yet? You are? Too bad. We launched one week ago and I made a promise that if we had 1,000 sign ups I would reveal a picture of myself sans black bar. Before we get to that, however, I’m gonna share a few other stats about the site.

I don’t know whether I should be ecstatic or cry, but after only seven days MANteresting has generated more pageviews (44,928) than PDITF has over any 30 day time frame (usually around 40,000). Awesome for MANteresting, depressing for my blog 🙁

The average user visits 4.23 pages and spends 4.5 minutes on our site. Thirteen percent of visitors use Internet Explorer as their browser. Which tells Jesse and I, 13% of our users are stuck in 1995. For the love of bacon, download Chrome or Firefox.

And now the part you’ve all been waiting for, did we reach 1,000 users? Drumroll………awkward pause……burping sounds…….NO.

Haha, how you like them apples? You guys are too optimistic, do you really think I would have set a goal of 1,000 users if I thought it was easily attainable? Heck no techno. Only about 1,000 people visit PDITF each day, and I knew there was no way in heck I’d be converting 100% of them to MANteresting. In fact, bloggers are taught to expect a CTR (click-through rate) of about 1-5% on products they advertise. So realistically we should have expected about 20-100 sign ups first day. We had 280ish. We’ve grown every day since, and at last glance, we have 402 users in the books. So it might sound like we failed miserably since we weren’t even close to the 1,000 user bribe, but in reality 400 people in our first week is pretty encouraging.

I don’t want to leave you all empty-handed though, because you really did help me out so so so much. As an act of appreciation I’ve decided I will provide you a picture of 40% of my body, since we are 40% of the way to 1,000 users. Once we hit 1,000, I’ll give ya the real deal (maybe even a picture of Girl Ninja too). Enjoy 40% of me…

Lastly, time for a little personal finance.

A reader wrote in asking…

You probably get inundated with questions like this, but I’m having such a hard time finding honest info on debt consolidation. My wife and I are on a mission to get rid of our debt. One step we’d like to take is get a loan for all our credit card debt. The biggest reason is interest rate.

Do you have a suggestion for a resource for us to turn to?

My answer: No. I have two opinions on debt consolidation. First, every debt consolidation company is evil. I know that’s not true, but 90% of them probably are so it makes finding that 10% extra tough. But more importantly, debt consolidation companies rarely do anything for you, that you couldn’t already do for yourself. They’ll call your creditors and try to negotiate lower payments for you, but what’s stopping you from picking up the phone and doing it yourself? Read I Will Teach You To Be Rich for some insight on how to best approach this and significantly reduce your obligations.

I’m just one person though, some of you out there probably have used, or know someone who has used, a debt consolidation company that didn’t suck. If so, feel free to share the experience in the comments below and help our dear reader friend out. Definitely want to get those CC interest rates as low as possible, I’m just not convinced debt consolidation is the best way to go about doing it. What say you?

p.s. Unless there is free wifi in the airport in Korea, don’t expect a Friday post from me. I’ll be half way across the pacific during your Friday morning. 

p.p.s. My favorite nail from yesterday… Puff Daddy’s never seen a $1 bill before. 

 

18 thoughts on “Various things and my face

  1. http://Www.nfcc.org looks like a legit credit counseling company. Because I have never been in that situation I never had to use them. The debt consolidation companies out there are sketchy like you said because they can negotiate a reduction on your debt but they also ruin your credit score by doing so.

    P.s. I have a pic of you and GN already 😉

  2. I have to admit, I’m still an IE girl. If you think that is bad, my husband still uses his AOL browser about half of the time.

    If someone feels like enlightening me about what is so fabulous about Firefox or Chrome, I’d be interested in learning. As it stand, I use Firefox on occasion and really can’t see what makes it all that different.

    For something a bit more on topic, the reader should check out http://www.nfcc.org/ the National Foundation for Credit Counseling. At least the reader can trust that the companies they find on this website have been vetted.

    • IE is clunky and slow and vulnerable to spam and hacking and it’s just plain ugly. Chrome runs flash and silverlight apps (for lack of better technical term) faster and better. A lot of them don’t display properly in IE. The new IE actually copied a lot of features from Chrome and possibly Firefox as I’m not familiar with that browser.

      • The biggest problem with IE is security. IE is the most vulnerable and the least standard compliant browser. That alone makes it plain dangerous to use, slower and makes webpages not appear as the developer/designer intended even after testing in IE, cos you can never predict what it’ll do.

  3. A credit consolidation agency isn’t the only option. The best option is a personal loan from a credit union. However, I am guessing that this person is in the position they are because their credit isn’t stellar, so they may not qualify (especially if they’re not already members in that credit union). So they may want to try a loan from a peer-to-peer lending site. Lending club and prosper are the two most well-known. You probably won’t get a great interest rate if your credit’s not good, but what’s nice is that you can include information about your background (i.e., I went into debt because I got laid off after my wife had a premature baby in the NICU, or it was totally my irresponsibility that I got into debt but I’ve changed my ways and made on-time payments for 9 months but can’t get ahead because of my interest rates, whatever). These are things that banks don’t consider but that the “real people” you are asking to borrow from, do.

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