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Archive for March, 2006

Friday! Update: Marriage and Hmmm…03.17.2006

17 Mar

Another week has gone by, and the weekend is just starting!!!! What a tough week it was. My urge to smoke again was stronger than it was when I first quit…At times I just wanted to go and buy a pack. I didn’t. Yet. I really hope I can keep this up. This blog is really helping. Even if I don’t successfully quit, I’m impressed…blogging helps! I guess logging your journey helps. Well, 13 days have passed and I’m $29.25 richer!

Congrats to lamoneyguy! Who’s engaged…And take a look at this post and _win_ some contests will ya!

Finally, take a look at this post by SingleMom as she talks about things that make her, and most other people, go hmmm…Good thing I have the weekend to think about them! Have a great weekend everyone!

 
3 Comments

Posted in General on March 17, 2006

 

Free Northwest Airline WorldPerks Miles

16 Mar

If you’re interested….Thanks Slickdeals.net! Get 200 miles pretty easily…Don’t worry about getting the wrong answer, it’ll give you multiple chances…You can earn additional 2000 if you fly…

http://www.slickdeals.net/#p7214

 
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Posted in General on March 16, 2006

 

What $300K Will Buy You In Honolulu, HI

16 Mar

Continuing on the other posts I’ve seen…

Houston, TX courtesy of AllThingFinancial

Hudson Valley, NY courtesy of Young Professional Financial Blog

Howard County, Baltimore, MD courtesy of Blueprint for Financial Prosperity

Philadelphia, PA courtesy of Tired but happy

Here’s what 300K would buy you in Honolulu, HI…a 2 bedroom, 1 bath condo, 686sqft.

Or if you wanted a house, a 4 bedroom, 1.1 bath, 1181sqft.

 
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Posted in General on March 16, 2006

 

Why Is Income Such a Big Secret? Part 2

16 Mar

There seems to be a bunch of reasons for not divulging income information ranging from contractual agreements to being boastful to self-pride to being non-anonymous…can I say that? non-anonymous?…to being a little scared.

Terri from Educating the Wheelers goes the non-anonymous route, thus too much info can be inappropriate. And Jose feels it’s cultural taboo. I feel that’s true too.

Apollo says,

Everyone has an income some a little more then others depending on occupation or business savvy. I suppose we shouldn’t value our self worth based on one’s income. But given we live in a highly consumerism and materialistic society, it’s difficult to ignore sometimes. 

And John who said,

For me it’s an issue w/ pride. I make decent money for someone in my situation, but feel it’s not good enough compared to some of my friends and family. I think if more bloggers out there set a trend of revealing their income, I’d feel a little more bold to do so. Maybe you’ve started something by bringing it up…. 

I think for me it’s an issue with pride too…Not only in the sense of how I stack up to everyone else and them to me…I guess it really is a sensitive area…We can always look at our net worth and figure out ways to increase it, our incomes are a little more personal and sometimes outside our control…Maybe it’s the fact that we never make enough…so we feel somewhat inadequate?

Maybe we should all take the perspective of SingleMom,

I never understood what’s the big deal. It’s shielded like it’s life or death info. If someone knew your salary, what could they do with the information? Tell someone else? Ok, so what? 

Or we could be in a situation like Kassy, and this topic really becomes moot…since income is not a secret.

Maybe one day we can share financial info without the worry of being judged. That’ll be the day…It seems like financial blogging is a step towards that direction. Thanks for everyone’s input!

 
7 Comments

Posted in General on March 16, 2006

 

Paying Taxes With Your Credit Card? Citi Card?

15 Mar

If you are paying your taxes this year with your credit card, there’s an offer from Citi you might be interested in. Pay 1.99% in convenience fees instead of the 2.49% charge I normally see. You have to login to your credit card account to see the offer. I’m not sure if everyone has this offer, so don’t shoot me. I’m just sharing what I see when I log into my account.

Once you login, you should see a green ad button. If you click on it, it’ll take you to the payment site.

Or if you haven’t started your taxes yet, you can use your Visa with H&R Block and get the 1.99% convenience fee.

I’m still debating whether to pay with credit.

Here’s a general link to pay1040.com and Official Payments Corporation. Of course, here’s a link to the official IRS site.

 
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Posted in General on March 15, 2006

 

How Much I Saved Up In Loose Change…

15 Mar

For some reason, my car just accumulates coins that go no where. I usually just clean them up every now and then by visiting a Coinstar machine. Well, I went to a Coinstar machine on Monday, and I thought it was interesting…In about 9 weeks I accumulated $20.67. I got an Amazon.com gift certificate so that I don’t have to pay the 8.9% service fee. I might start tracking this more…kind of an interesting piece of info to know…

If I saved $20.67 in 9 weeks, that’s $2.30/wk. Tack on the $15.75 I save each week from quitting the smokes, and then suddenly that’s $18.05 per week! Over a year, that’s $938.60…after tax! Not bad…

 
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Posted in General on March 15, 2006

 

Why Is Income Such a Big Secret?

15 Mar

I’ve noticed that most financial blog sites don’t reveal income. I thought that was interesting. PFBlog.com writes about why he doesn’t do it here.

Bloggers have anonymity, and bloggers can talk about our net worth, yet income is taboo? I’m not quite sure why that is. I’ve actually debated whether to disclose my income, but having to over come my hesitation on posting my net worth is step 1, I guess. There are some good arguments in favor of posting incomes, such as being able to correlate savings rates to income. Or does posting your income really just “show off”?

In due time, I may post my income. Any opinions on why income is not revealed?

 
8 Comments

Posted in General on March 15, 2006

 

I Actually Clicked On an Ad! Smoke Cessation Ad.

14 Mar


So I rarely look at advertisments unless a very unique item is presented to me…well this time, as I was checking how many grammatical and spelling errors I could find in my posts, Google presented me with this ad for “Linkman – The Habit Reversal Device.” It was a full image ad, and it worked! This product is interesting, but I’m not convinced it’d work…It’s a device that grants you permission to smoke in intervals. The intervals get longer and longer, until finally you’re weened off of cigarettes. But hey, an ad that actually convinced me to look at it…Interesting…BTW, just a short update, I haven’t gone back to smoking…

 
4 Comments

Posted in General on March 14, 2006

 

New Credit Scoring System…

14 Mar

In case you haven’t seen it already, there’s an article on usatoday.com about a new credit scoring system…I guess this is a good thing…Does that mean FICO score will be putting on the chopping block?

I thought this was interesting since it gives us a look into a snippet of the credit scoring algorithm. Yeah, a little obvious but hey…

The scores are important because they measure how much debt a consumer is carrying and how well the consumer keeps up with bills.

And here’s the credit scale:

In a separate statement, Experian said the scores will be grouped on “the familiar academic scale.” Experian gave these groupings:
A – 901-990
B – 801-900
C – 701-800
D – 601-700
F – 501-600
Experian said it hopes that “as consumers increase their awareness of the importance of credit scores and credit reporting, the consistency of VantageScore will provide the type of information they need to evaluate their credit standing and make sound financial decisions.”

 
1 Comment

Posted in General on March 14, 2006

 

Another Funny…Hey, It’s Monday!

13 Mar

Hope your Monday is starting out well! Since I found that other strange site, here’s a political cartoon for your enjoyment!

JibJab’s “2-0-5″ George Bush’s Year In Review

And another classic, since this is an election year:
JibJab’s This Land

Have a good week!

 
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Posted in General on March 13, 2006