Buying Only What You Need Los Banos CA

A student offers his advice on being a wise consumer and not wasting money on unnecessary purchases.

Bank of America - Los Banos
(209) 826-5162
556 I St
Los Banos, CA
Type
Banking Center
Services
Banking Center Services: Commercial Deposits
Outdoor ATM Services: Open 24 Hours, Talking ATM, Braille, Accepts Deposits, Drive Up, Deposit Image
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-5
Tuesday 9-5
Wednesday 9-5
Thursday 9-5
Friday 9-6
Saturday 10-2
Sunday Closed

Wells Fargo - Los Banos
(209) 826-5172
461 J St
Los Banos, CA
Type
Branch
Office Hours
Mon-Fri 09:00 AM-06:00 PM
Sat 09:00 AM-04:00 PM
Sun Closed

Michael Garber
Michael Garber Financial Planning
(408) 846-2977
605 Tennant Avenue, Suite I
Morgan Hill, CA
Expertises
Cash Flow/Budgets/Credit Issues, Middle Income Client Needs, Hourly Financial Planning Services, Helping Clients Identify & Achieve Goals, Investment Advice without Ongoing Management, Advising Employee Benefit Plan Participants
Certifications
NAPFA Registered Financial Advisor, BSEE, CFP®, MSEE

Rich Chambers
Investor's Capital Management, LLC
(866) 966-9291
1100 Alma St., Suite 200
Menlo Park, CA
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®

Debra Wetherby
Wetherby Asset Management
(415) 399-9159
417 Montgomery Street, 3rd Floor
San Francisco, CA
Expertises
Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, BA, CFA, CFP®, CPA, MBA

Chase Bank
(209) 826-3011
550 K St
Los Banos, CA
Type
Freestanding
Office Hours
Mon:9:00-6:00
Tues:9:00-6:00
Wed:9:00-6:00
Thurs:9:00-6:00
Fri:9:00-6:00
Sat:9:00-4:00
Sun:closed

Bank of America - Gustine
(209) 854-6476
208 5th St
Gustine, CA
Type
Banking Center
Services
Banking Center Services: Commercial Deposits
Outdoor ATM Services: Open 24 Hours, Talking ATM, Braille, Accepts Deposits, Deposit Image
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-4
Tuesday 9-4
Wednesday 9-4
Thursday 9-4
Friday 9-5
Saturday Closed
Sunday Closed

Brian Pon
Financial Connections Group, Inc.
(415) 924-1091
21 Tamal Vista Blvd. #105
Corte Madera, CA
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Socially Responsible Investments, Tax Planning, Planning Issues for Unmarried & Same-Sex Couples
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, EA, PFP

Mark Wilson
The Tarbox Group, Inc.
(949) 721-2330
500 Newport Center Drive, Suite 500
Newport Beach, CA
Expertises
Retirement Plan Investment Advice, Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, APA, CFP®

Janet Wan
Sierra Pacific Financial Advisors
(510) 438-6878
19925 Stevens Creeks Blvd.
Cupertino, CA
Expertises
Ongoing Investment Management, Planning Concerns for Corporate Executives, Retirement Planning & Distribution Rules, High Net Worth Client Needs, Women's Financial Planning Issues, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

Buying Only What You Need

Provided by:

(U-WIRE) ATLANTA, Ga. - For a long time I have thought about giving away everything I own and starting over. Complete liquidation of assets -- the creation of a tabula rasa for a capitalist system.

Living by only buying what I need. Somehow, I think you don't miss the little things when you have nothing at all. "Boy, I sure would like to listen to my The Get Up Kids CD. Oh wait, I don't have any CD's."

My parents really need to take this mentality to their refrigerator. Just throw everything away, for chrissake -- the dead fruits and vegetables, the forgotten jars of relish and preserves. Begin again from square one: "I would like to have eggs and orange juice for breakfast tomorrow. I will go out and buy eggs and orange juice."

Next day: "I would like to have hamburgers for dinner. I will go to the store and buy meat and bread and cheese and ketchup." Then the next time you want hamburgers, you already have ketchup. When that bottle runs out, you go buy a new one, as opposed to having two already open and barren bottles somewhere in the fridge that nobody wants to use, coupled with the brand new bottle that was bought in ignorance of the first two (please tell me everyone else's parents do this too).

Imagine approaching your entire life like this -- "I need a car to get to work. I will go buy a car. Oh wait, I need clothes to wear to work. I will go to the mall and buy clothes." Granted, you spend a few days walking around town hungry and naked until everything falls into place, but isn't that a small price to play for a lifestyle of minimal possessions?...


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