I’m a huge fan of the Star Wars films. I watched them at the movies many times and repeatedly at home — first on VHS, then on DVD. I’ve even seen Star Wars in Concert. When I heard in January that the Star Wars Saga was to be available on Blu-Ray in glorious high-definition for the first time, I decided I would buy the set.

I soon learned Best Buy was taking pre-orders even though the set wasn’t out for another 8 months. I had a Best Buy gift card that hadn’t been used, and the pre-order price was $99.99 … attractive, considering it worked out to under $17 each movie … and my gift card took me half-way there. I pre-ordered. I would get it first and at a great price!

Each month Best Buy emailed a reminder of the pending shipment. My anticipation grew. When September 16 rolled around, I expected to have my package waiting at the door. There was no package at my door. It arrived the following week.

What I did have at my door was the latest Mississauga News. The flyers stuffed in the paper also had Best Buy’s latest flyer advertising the coming weekend sale. Had I at least saved money? Best Buy was already running a 3-day sale for the Saga on Blu-Ray: $79.99. Oops.

I thought I would get my item first — and didn’t. I thought I would get it at the best price — and didn’t … initially. The price difference issue got resolved: Best Buy agreed to refund the difference under their price guarantee policy. But, I wish I had those 30 minutes of telephone hold time back — IMHO, they should have automatically credited the difference to people who pre-ordered.

Lesson learned? Have a good reason to buy something early, or you may end up with a hassle. Would I pre-order anything again? On the following condition: Only if the item is in strict limited quantities with a high likelihood the item would be sold out if I waited.


Welcome to Pragmatic Money

by Chris W. Rea on

Welcome to Pragmatic Money — one Canadian’s perspective on personal finance.

My name is Chris W. Rea. I’m a 37-year-old husband and dad living near Toronto, Canada. I’m a self-employed software craftsman (or developer & architect) working on my own projects, and for clients as an independent contractor. I enjoy the craft of software, but I’m also passionate about personal finance.

My passion for personal finance is my reason for building Pragmatic Money. I enjoy sharing ideas about money. If you know me personally, chances are you’ll have experienced this already.

I hope Pragmatic Money will become a useful resource for you to learn about personal finance and money, how I think about money, and how I think you should consider thinking about money.

I plan to make this personal. I am opinionated about the subjects that I’m passionate about. You won’t find my points of view agreeable all of the time but I do hope at least to get you thinking and acting smarter about money.

Pragmatic Money is also my opportunity to give something back to an online community from which I’ve learned so much myself. It’s also a personal venue through which I can re-think, refine, refute, or reinforce my ideas about money.

So, welcome to Pragmatic Money. I hope you find something of interest here.