Pool Cleaner Tax

Save more by Treating it Like a Non-Discretionary Expense

There are many ways to save more money each month. One of the easiest ways to save money is to treat your savings like a non-discretionary expense. When you have savings automatically deduced as a fixed expense, the money is no longer available for discretionary purchases. The nature of people is that if we have money we will naturally spend it. It is part of being on the hedonic treadmill [The principle basically says that humans will continuously spend more and do more until we die or until we are forced to re-adapt.]

Humans are very good at adapting to their environment. This ability to adapt has made our species very successful. Our ability to adapt can also be hurtful. In the parable of the ants and the grasshoppers, humans model much closer to grasshoppers than ants. We make very poor saver because once we have more, we adapt to spend more. Here in America, we also demand our freedom of choice which says that I should be in control of my money, my time, and my life, but the two principles compound together to make us slaves of debt. We view money as under our control when it is in the discretionary pool and we want to spend every penny.

Society has changed considerably in the past 100 years making this mentality dangerous to the good of society. We are no longer taken care of by our family in our old age and old age lasts much longer. The government created a mandatory baseline savings so that people would at least have something when they retired. They knew that without a mandatory savings program, the vast majority of people would enter retirement penniless or close to it. So as much as you may hate social security and as unfair as it may be, most people should thank their lucky stars it exists.

However, for the more future minded individuals capable of delayed gratification, wealth can be obtained for the future without significant changes to income. The key to obtaining wealth is in maximizing the difference between your income and expenses and then funneling that difference into investments before our human hands get the chance to spend it. We are still in control of our money, but the money is bypassing our discretionary pool.

In general, monthly expenses can be broken down into two types. Expenses can be either discretionary or non-discretionary. Non-discretionary expenses include expenses that we don't really have much control over. These expenses must be paid or there are serious consequences. These kinds of expenses include the mortgage on our house, taxes, insurance, utilities, student loans, etc. The money that is left over after paying all of these mandatory expenses is our discretionary income. It is the discretionary income that we have full control over. This money is used to purchase groceries, pay for gas, eat out, fix issues on the house, pay for television, cell phone, dry cleaners, etc. While these example discretionary expenses may not necessarily be optional, they are discretionary because you have a choice (i.e. your lifestyle affects if you need these items, and if so, how much they cost).

As humans, when money hits the discretionary expense pool, we want to spend it. Consequently, once it hits that pool, it is that much harder to save. Therefore, knowing our frailties as humans, it is best for the money manager in your home to ensure that savings are re-directed before they hit the discretionary pool. This means turning your savings into a mandatory expense. This can be achieved in about 5 minutes online. Simply go to your bank account and arrange to have money transferred from checking to savings the same day that your wages are deposited. This simple step turns saving into a mandatory monthly expense. This step alone will virtually guarantee that you will save more money in the long run.

While we may look at our monthly expenses and not see how we could get by on anything less than we currently have, the truth is that humans are adaptive. While this adaptive nature means we are quick to adopt greater spending when income increases, it also means we are readily able to adapt to less spending when the discretionary money pool runs shallow. If there is no money to spend we are far less likely to spend it and our wealth can grow that much faster. So start saving today by turning your savings into an expense.

About the Author

Dr. Hoopes is the creater of the Internet Business Assistance program where you can own your own
Internet Based Business
without any upfront costs, just like shoeannex.com now selling
Propet Shoes
online.

BallStar Pool and Billiards Ball Cleaner $459.95 BallStar Pool and Billiards Ball Cleaner

Aquabot Pool Rover Pool Cleaner $399 Our standard automatic above ground pool cleaner. Operates independent of main filter. Works without hoses hookups booster pumps or suction lines. Place it in the water plug it in push a button and voila! For In Ground Or Above Ground Pools.

Simonis X-1 Pool Table Cloth Cleaner $89.95 Simonis X-1 Pool Table Cloth Cleaner

Sil Kleen Dry Pool Cue Cleaner $4.95 Sil Kleen Dry Pool Cue Cleaner

Mezz Cue Magic Pool Ball Cleaner $12.95 Mezz Cue Magic Pool Ball Cleaner

Optional Remote for Triton Robotic Inground Pool Cleaner $99.99 Optional Remote for Triton Robotic Inground Pool Cleaner

SwimJet HD Robotic Aboveground Automatic Pool Cleaner $399 SwimJet HD Robotic Aboveground Automatic Pool Cleaner

SwimJet HD Robotic Inground Automatic Pool Cleaner $699 SwimJet HD Robotic Inground Automatic Pool Cleaner

Polaris 9100 Inground Robotic Automatic Pool Cleaner $799 Polaris 9100 Inground Robotic Automatic Pool Cleaner

Mamba Automatic Pool Cleaner for Inground & Aboveground Pools $99.99 Mamba Automatic Pool Cleaner for Inground & Aboveground Pools

SwimBot HD Robotic Inground Automatic Pool Cleaner $699 SwimBot HD Robotic Inground Automatic Pool Cleaner

Dirt Devil D2500 Aboveground Automatic Pool Cleaner $129.99 Dirt Devil D2500 Aboveground Automatic Pool Cleaner

Replacement Filter Bag for Polaris 180 Pool Cleaner $26.22 Replacement Filter Bag for Polaris 180 Pool Cleaner

Replacement Filter Bag for Polaris 280 Pool Cleaner $29.37 Replacement Filter Bag for Polaris 280 Pool Cleaner

Dolphin Nautilus Robotic Inground Automatic Pool Cleaner $699.99 Dolphin Nautilus Robotic Inground Automatic Pool Cleaner

Baracuda MX8 Inground Suction-Side Pool Cleaner $399.99 Baracuda MX8 Inground Suction-Side Pool Cleaner

Baracuda T5 Inground Suction-Side Pool Cleaner $399 Baracuda T5 Inground Suction-Side Pool Cleaner

Aquabot Pool Cleaner $959.99 The Aquabot is the original robotic cleaner updated with capabilities to outperform everything else in its class! The Aquabot is recommended for pools up to 20 x 40 and cleans any shape or surface pool!

Aquabot Turbo T4 Pool Cleaner $1799.99 Introducing the most powerful and reliable swimming pool cleaner ever produced. If you want automatic cleaning of any residential swimming pool as large as 50� long - regardless of its design - in 1 hour or less this is the cleaner for you.

Aquabot Rover Pool Robotic Cleaner $804.05 Keep your pool clean and filtered with this Aquabot robotic cleaner. This pool cleaner removes algae and bacteria as well as dirt, debris, sand and comes with a 40-foot floating cord.Materials: PlasticRobotic pool cleanerRemoves algae and bacteria as well as dirt, debris and sand40-foot floating cordNo installation requiredFilters and cleans pool waterDimensions: 19 inches high x 18 inches wide x 20 inches long

Trident In-ground Suction Pool Cleaner $447.67 This precisely engineered Trident Suction Cleaner will clean any inground pool regardless of shape or depth. Use this cleaner to keep your pool sparking year-round.Trident cleaner works on all pool surfaces: Vinyl, concrete, fiberglassFeatures only one moving partThe cleaner will remove dirt, twigs, leaves and debris from your poolWith only one moving part, the Trident will give you years of maintenance free operationSimply plug the unit into your skimmer and it will effortlessly clean your poolThe unit is quick and easy to install and comes complete with 40 feet of hose

Pool Rover T Robotic Aboveground Pool Cleaner $499 Pool Rover T Automatic Pool Cleaner - by AquabotFully Automatic - Vacuums AND Filters your Aboveground Pool!The Pool Rover T from Aquabot is the first truly automatic cleaner for aboveground pools that both vacuums and filters at the same time. It automatically tackles any shape or size aboveground pool, and thoroughly cleans up to 5,4000 feet in a single hour.No more dragging out and connecting vacuum hoses -- just drop it in your pool, plug it in and let itgo!Self-contained filtration unit that wont clog your pool systemEasy to clean, reusable filter bag removes debris down to 2 micronsPre-programmed to methodically clean every inch of your pool!Pre-programmed to methodically clean your pool, automatically!Extra-wide, non-marring polyethylene wheels with wide chassis allow it to roll over rippled and "foot-printed" vinyl pool bottomsCleans pools up to 18 ft. x 36 ft. at a rate of 5,400 feet per hour - finishing a 24 pool in less than one hour!Filters 4,800 gallons per hour with its unique filtering systemOperates on 24 volts,plugs into standard outletComes with 40 cordIncludes a 1-Year WarrantyNot for use at commercial facilities.

Hayward Pool Vac Ultra Vinyl Pool Cleaner $399 Hayward Pool Vac XL CleanersHayward has once again set the standard for high performance automatic pool cleaners, with the Pool Vac XL! The Pool Vac XL automatic pool cleaner builds on the success and ingenuity of the original Pool Vac, with new product features for enhanced performance.The Pool Vac XL by Hayward is ideal for every inground pool, and features quiet operation and uncompromised movement across the pool bottom. Plus, it thoroughly cleans virtually any size inground concrete / Gunite or vinyl / tile / fiberglass pool in 3 hours or less! The Pool Vac XL is available in two models (below), choose based on your pools construction:E1000: for Vinyl, Tile & Fiberglass PoolsE1050: for Concrete/Gunite PoolsThe Pool Vac XL features their exclusive AquaPilot programmed steering, which assures virtually all pools will be cleaned in under 3 - 4 hours. This exclusive technology harnesses the flow of water through your pools filtration system and drives the Pool Vac XL in an alternating series of right and left-hand turns to systematically clean pool surfaces and ensure the best coverage and cleaning path. The Pool Vac XL just cleans faster and better than random-style cleaners, and reduces the possibility of missed or over-visited zones within your pool.For every inground pool, the Pool Vac XL is quiet, attractive and efficient, and will give you years of satisfying performance:Longer wearing components (wings, flaps & shoes) for longevityA unique turbine/gearing system provides balanced water flow, for quiet operation and gentle movement across the pool bottomWide side-wings increase cleaning speed & pool coverage by 10%Installs in less than 10 minutes, without the need for tools - simply connect to your skimmer and drop it in the poolExclusive Smart-Drive programmed steering pattern ensures the entire pool is cleaned, quickly and completelyNew wider cleaning path handles pollen, sand, twigs, leaves - even pebbles! - with easeIdeal for all residential inground poolsChoose either model: for Vinyl/Tile/Fiberglass Pools, orConcrete/Gunite PoolsComes complete with 40 of Hose, in-line vacuum gauge & all connectionsIncludes a 2-Year WarrantyTips on Hose RequirementsA simple rule of thumbis to measure from your pools skimmer (or dedicated suction line) to the furthest point in the pool, then add two (2) extra hose lengths. For example, a16 x 32 rectangular pool will normally take 8-10 lengths of hose (depending on pool depth and relocation of the skimmer).

Hayward Pool Vac XL Concrete Pool Cleaner $399 Hayward Pool Vac XL CleanersHayward has once again set the standard for high performance automatic pool cleaners, with the Pool Vac XL! The Pool Vac XL automatic pool cleaner builds on the success and ingenuity of the original Pool Vac, with new product features for enhanced performance.The Pool Vac XL by Hayward is ideal for every inground pool, and features quiet operation and uncompromised movement across the pool bottom. Plus, it thoroughly cleans virtually any size inground concrete / Gunite or vinyl / tile / fiberglass pool in 3 hours or less! The Pool Vac XL is available in two models (below), choose based on your pools construction:E1000: for Vinyl, Tile & Fiberglass PoolsE1050: for Concrete/Gunite PoolsThe Pool Vac XL features their exclusive AquaPilot programmed steering, which assures virtually all pools will be cleaned in under 3 - 4 hours. This exclusive technology harnesses the flow of water through your pools filtration system and drives the Pool Vac XL in an alternating series of right and left-hand turns to systematically clean pool surfaces and ensure the best coverage and cleaning path. The Pool Vac XL just cleans faster and better than random-style cleaners, and reduces the possibility of missed or over-visited zones within your pool.For every inground pool, the Pool Vac XL is quiet, attractive and efficient, and will give you years of satisfying performance:Longer wearing components (wings, flaps & shoes) for longevityA unique turbine/gearing system provides balanced water flow, for quiet operation and gentle movement across the pool bottomWide side-wings increase cleaning speed & pool coverage by 10%Installs in less than 10 minutes, without the need for tools - simply connect to your skimmer and drop it in the poolExclusive Smart-Drive programmed steering pattern ensures the entire pool is cleaned, quickly and completelyNew wider cleaning path handles pollen, sand, twigs, leaves - even pebbles! - with easeIdeal for all residential inground poolsChoose either model: for Vinyl/Tile/Fiberglass Pools, orConcrete/Gunite PoolsComes complete with 40 of Hose, in-line vacuum gauge & instructional installation videoIncludes a 2-Year WarrantyTips on Hose RequirementsA simple rule of thumbis to measure from your pools skimmer (or dedicated suction line) to the furthest point in the pool, then add two (2) extra hose lengths. For example, a16 x 32 rectangular pool will normally take 8-10 lengths of hose (depending on pool depth and relocation of the skimmer).

Aquabot Turbo Pool Cleaner $2729.37 This 'turbo' model has the same great features as the original Aquabot, but it is faster and it will clean a larger pool. In addition, the Aquabot Turbo will automatically turn itself off after a 7-hour cleaning cycle.Cleans your pool in four hours or lessCleans any shape pool and will not get hung up by ladders or other obstructionsRuns on a safe 24 voltsUnit comes complete with the head, 60-feet of floating cord and its own transformer Costs only pennies a day to operatePowerful suction motor-cleans and filters up to 4,200 gallons per hourAquabot has its own filtration systemRemoves algae and bacteria as well as dirt and debris Distributes heat and chemicals as it vacuums Cleans your pool's floors, steps and walls up to the waterline Lightweight unit weighs 18 pounds Built for residential pools up to 20' x 40' Measures 16 inches long x 15 inches wide x 10 inches deepModel number NE352

Aquabot Junior Pool Cleaner $1653.16 The pre-programmed Aquabot Junior powers itself to spotlessly clean your pool in 2 hours and automatically shuts itself off when the pool is clean. The Junior will clean any shape pool and will not get hung up by ladders or other obstructions.Runs on a safe 24 voltsUnit comes complete with the head, 50-feet of floating cord and its own transformer Costs only pennies a day to operatePowerful suction motor can clean and filter up to 4,500 gallons per hourAquabot has its own filtration systemRemoves algae and bacteria as well as dirt and debris Distributes heat and chemicals as it vacuums Cleans your pool's floors, steps and walls up to 30 inches above the floorLightweight unit weighs 17 pounds Built for residential pools up to 20' x 40' Measures 17 inches long x 15 inches wide x 11 inches deepModel number NE339

Pool Blaster Catfish Automatic Pool & Spa Cleaner $134.99 Pool Blaster Catfish Automatic Pool & Spa CleanerThe Pool Blaster Catfishis a versatile, dual function cleaner for large spas, aboveground pools and smaller inground pools. Like all Pool Blaster Pool & Spa Cleaners, the new Catfish offers you the convenience of hose-free & cord-free operation, in a lightweight, powerful, and easy to use pool & spa cleaner.The Pool Blaster Catfish features a High-Flow pump that can tackle the largest messes inyour pool, spa or hot tub. The scrubbing brushes effectively loosen debris, anda specially-designed corner / crevice attachment ensure even, thorough cleaning- even in tight corners and near obstructions.The innovative quick-start button makes the Catfish extremely convenient, and the Max-Cone™ Technology compacts all the dirt so more fits in the self-contained filter bag! Attaches easily to your existing telepole; includes a reusable filter bag, spotcleaning nozzle battery re-charger & 1-Year limited warranty.NoHoses or Cords!Powerful Cleaning thats Easy to UsePerfect for Spas, Hot Tubs, Aboveground & Smaller Inground PoolsRuns on a Rechargeable BatteryFilter Bag is Easy to Empty - Your Hands Never Touch Debris & Dirt!Attaches Easily to your Existing Telepole1-Year Limited WarrantySpecificationsPower Rating: 200Gallons per Minute (GPM): Up to 33Run Time: Up to 35 MinutesVacuum Head Width: 8"Minimum Operating Depth: 5"Unit Size: 11" x 4.5" x 3.5"Unit Weight: 3.1 lbs.

Polaris 9300 Xi Sport Inground Robotic Pool Cleaner $1499 Polaris 9300 Xi Sport Inground Robotic Pool Cleaner

Smart Kleen Universal Robotic Swimming Pool Floor Cleaner $399.99 Smart Kleen Universal Robotic Swimming Pool Floor Cleaner

Hayward AquaRay Aboveground Suction-Side Automatic Pool Cleaner $154.99 Hayward AquaRay Aboveground Suction-Side Automatic Pool Cleaner

Hayward DV5000 Inground Suction-Side Automatic Pool Cleaner $199 Hayward DV5000 Inground Suction-Side Automatic Pool Cleaner

Nitro Inground Robotic Pool Cleaner w/out Caddy Cart $599.99 Nitro Inground Robotic Pool Cleaner w/out Caddy Cart

SwimBot Pro HD Robotic Inground Automatic Pool Cleaner $1249 SwimBot Pro HD Robotic Inground Automatic Pool Cleaner

SwimJet Pro HD Robotic Inground Automatic Pool Cleaner $999 SwimJet Pro HD Robotic Inground Automatic Pool Cleaner

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