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Need Help with Your Social Security Disability Benefits?

May 9, 2012 | Services | 4 Comments

If you need help applying for Social Security Disability Benefits (or have ever been denied) due to physical or mental disability then you should consider contacting the Disability Benefits Alliance (DBA).

DBA operates nationwide with non-attorney representatives trained who is dedicated to helping individuals obtain Social Security Benefits. They help with the frustrating task of completing numerous forms, obtaining your medical records and working with the Social Security Administration.

DBA representatives understand all the paper work needed to give you the best chances of your benefits being approved.

DBA staff includes former a Social Security Disability Determination Examiner along with other trained and experienced professionals who have the expertise to ensure your case is presented in the proper way.

Bluehost Webhost Review

January 31, 2012 | Services | No Comments

Bluehost hosts this website, so I thought I’d provide a review about their services. 

Bluehost, launched in 1996, provides web hosting for individuals and companies around the globe. Through the years Bluehost has constantly improved their services at no extra cost to their customers.

The organization has two secondary data centers amassing over 20, 000 square feet of data center space. The datacenters are secured with UPS power, diesel generators and several 10 gigabit fiber cable connections to locations all over the globe.

Bluehost presently hosts over 750, 000 web sites providing really cost-effective web hosting that features 99. 9% uptime, 24/7 US based support, unlimited disk space, unlimited bandwidth, unlimited domain hosting, one free domain for 1 year, and a much more.

If you want to open up a web hosting account, excellent technical support is crucial. At Bluehost if you run into problems or have concerns you can get a person on the telephone or talk online in a several minutes. Bluehost claimes their hold time is less than thirty mere seconds and their technical support is 100% internal at their offices in Utah.

Bluehost was the very first to provide SimpleScripts 1-Click installations. In case you are looking to host a Blog, eCommerce store, forum, online chat, mailing lists, poll / survey, project management, social networking, etc., with Bluehost setup is very simple. Absolutely no need download and upload data files, configure files and create databases to install these types of applications. With Bluehost it’s a no-brainer! It’s as straightforward as installing software programs on your desktop computer.

If you are looking to create a protected website generally for eCommerce, Bluehost provides SSL Secure Server.

Plans and Pricing

Bluehost currently costs a flat $6. 95 monthly; but, this reduced price is charged over a minimum of 12 months ($83. 40). If you desire whois privacy, there is an extra $9. 95. If you despise spam, Bluehost provides anti-spam protection for $1 per email address monthly. If you need a secure website via SSL certificate you will have to buy a dedicated IP address for $2. 50/month ($30 per year) and the SSL certificate $ 45 per year.

Bluehost also provides a Pro Package for $19. 95 monthly. The Pro Package consists of all the extra premium features required to make your website professional grade.

The Pro Package includes:

  • 1 Domain Privacy Protection
  • 1 Domain Name Registration
  • 1 Dedicated IP
  • 1 Site Backup Pro
  • 1 PositiveSSL Certificate
  • 10 Postini Email Filtering


If you are developing a simple website for the first time, the Pro Package isn’t needed.

Money Back Guarantee

Bluehost offers a 30-day money back guarantee with no fees. This means you get 100% of your money back if you are not satisfied with their service.

Online Marketing Credits

If you are planning to market your website online, Bluehost is currently offering a $75 Google Adwords credit and $25 Bing/Yahoo advertising credits for U. S. and Canadian customers. After you signup with Bluehost, the coupon codes will be available to your for these services. This credit will offset your web hosting costs.

Hosting Features:

  • Unlimited disk space
  • Unlimited domain hosting
  • Free domain name
  • Unlimited site transfer
  • Unlimited parked domains
  • Unlimited subdomains
  • Site Buiding Tools:
  • cPanel control panel
  • CGI Library


Integrated Applications:

  • WordPress
  • Joomla
  • Drupal
  • b2evolution
  • Tikiwiki
  • Moodle
  • Coppermine image galleries
  • SSL servers
  • OS Commerce shopping cart
  • Zen shopping cart
  • Message form
  • Streaming video and audio support


Programming Tools:

  • PHP 5
  • Perl 5
  • Ruby on Rails
  • Python
  • Javascript



Overall Bluehost is among the best hosting company in The united states. Their system makes it easy for newbies to use. Bluehost’s cPanel control panel makes it simple to navigate all the tools in comparison to hosting companies such as GoDaddy with is incredibly difficult to use. SimpleScripts makes it incredibly easy to setup and install numerous free open source software and paid software. If you want to start a Blog, forum, eCommerce store, etc., SimpleScripts is the solution to use. Within virtually a few minutes you will have a completely functional website ready to go.

Anytime there are update versions to software programs installed by SimpleScripts, you will be notified when you log into your account. You can then very easily update your software program with SimpleScripts. SimpleScripts also has a function to roll-back the update, if you encounter problems. SimpleScripts is an excellent tool that is easy to use.

As mentioned above Bluehost also offers you Google Adwords and Yahoo/Bing credit, totaling $100 free, which you can in a several minutes start to push targeted traffic to your website.

I’ve used Bluehost for around 5 years and have never had any major problems. There technical support has been excellent and wait time on the telephone or online chat has been fairly low.

For more information visit

My New 4G Android-Powered LG Esteem with MetroPCS

January 7, 2012 | My Ramblings | Services | Videos | 10 Comments

My wife and I recently upgraded our cell phones.  For about 7.5 years my wife and I had Sprint paying about $62/month total.  Over the years I looked into upgrading to a smartphone but just couldn’t justify going from $62/month to at least $130/month for 2 phones.  I figured we’d just wait until prices dropped a bit.  Additionally, if I ever switched to a smartphone I wanted everything to be unlimited.  I didn’t want to monitor my data, minutes and text messaging fearing additional charges.

After much research I found the best deal with MetroPCS.  For $80/month total (includes tax and fees), my wife and I get unlimited everything (minutes, data and text).  However, I got a smartphone, the LG Esteem and my wife got a regular phone, the LG Beacon.  My plan is $50/month and my wife’s plan is $40/month, however, since we are on a family plan, we each get a $5 discount which drops the price to $80/month.  The LG Esteem costs $249 after a $100 rebate and the LG Beacon costs $39 after a $30 rebate.

The Phone

I must admit that I’m extremely satisfied with the LG Esteem.  I absolutely love the phone and it has exceeded my expectations.  The screen is big at 4.3”, crisp and bright.  If you are looking for a small phone, this phone isn’t it.  I considered a smaller phone, but couldn’t resist the screen size.

The menus are well thought out and extremely easy to navigate.  I like the GPS navigation which is big improvement to our old Garmin GPS.  Voice recognition used in various software and features such as text messaging is very good.  The camera takes very good pictures and video quality is excellent.

The LG Esteem features 4G LTE connectivity, Android Platform 2.3 Ginerbread, 4.3” touch screen with damage resistant Gorilla Glass, 1.3 MP front-facing camera, 5 MP camera with 720p HD Video, HDMI Output and Dolby Audio.

The one disadvantage to the LG Esteem is battery life isn’t that great.  If you use the phone a lot you may have to recharge after about 5 to 7 hours.  If or when I have to change the battery I may consider purchasing an extended battery, however, it will make the phone bulkier.


Fortunately, 4G service is available in my city so streaming video is flawless and browsing the web is fast.  MetroPCS 4G is only available in 14 cities which include Atlanta, Boston, Dallas/Ft. Worth, Detroit, North Florida, Central Florida, South Florida, Las Vegas, Los Angeles, LA/Bakersfield, New York, Philadelphia, Sacramento and San Francisco.  If you don’t live in one of these cities or travel a lot, getting 4G service will be an issue, however, I’m certain over time additional cities will be added.

MetroPCS claims their phone service covers 90% of the U.S.  We recently drove from Atlanta to Chicago and never witnessed any loss of signal or dropped call.  Sound quality was always good anytime we made a phone call.  Although there was no 4G service outside Atlanta checking email and sending text messages was never slow.


So far I’m very happy with the LG Esteem and with MetroPCS’s service.  For $45/month, I get unlimited minutes, text, data, picture messaging, international text messaging, GPS navigation, 4G (if available) and much more.  You sure can’t beat the price.  The larger carriers (AT&T, T-Mobile, Verizon Wireless and Sprint) charges much more for these services but have better 3G/4G coverage than MetroPCS.   However to me, the savings more than offset this fact.

The downside to the LG Esteem is battery life and the availability of 4G in limited markets.  However, if you are fortunate to live in a city where 4G is offered and don’t travel too much, this is a non-issue.  If 4G isn’t available, you can always connect to Wi-Fi to get similar 4G speeds.

Overall, I highly recommend MetroPCS and the LG Esteem.  You won’t be disappointed.

One last thing, overall, my wife is very pleased with the LG Beacon and her service as well.  

Update (Added 2-5-2012):  Due to some of the comments below about MetroPCS’s 4G Service, I made the quick video below  highlighting the 4G Service in the Atlanta area.  (Sorry about the audio!)

Never Pay to Take Online Surveys, They Should Pay You

July 6, 2009 | Services | 1 Comment

Yes, you can get paid taking surveys online, but be very careful. First of all taking surveys online will not make your rich and will not provide a full time income unless you know something I don’t or you plan on taking surveys 24 hours per day 7 days per week.  Taking surveys can be very time-consuming.

Second, never pay to take online surveys. There are many websites charging one time fees or membership fees to give you access to online surveys promising to make you a ton of money.  Don’t believe the hype, it’s not true!

Taking surveys online will put a little spending money in your pocket in the form of cash or rewards (gift cards) when using legitimate survey websites.  Below I’ve listed a few for you to checkout.   Of course you can search Google for additional reputable sites.

Legitimate Online Survey Websites:


Get Dental Discounts at

May 4, 2009 | Services | No Comments

If you are for a dental discount plan, then you need to take a look at offers discount dental plans for individuals, families and groups looking to save money on their dental care needs. Like an insurance companies, participating dental care providers have agreed to accept a discounted fee from plan members as payment-in-full for services performed. As a plan member, you simply show your membership card when visiting any participating plan provider to receive most dental services at discounted fees.

However, keep in mind that discount dental plans offered through are not insurance plans, but discount programs.  Joining a discount dental plan allows you to save money on most dental care services. customer service representatives can assist you in finding the right plan and participating provider in your area.  Of course you can also research the different plans and participating providers in your area online at

The advantages of discount dental plans include:

  • Savings of 10% to 60% on most dental procedures
  • Choose from more than 30 national and regional plans with more than 100,000 participating dentist listings in combined networks
  • Join online instantly and enjoy quick plan activation
  • Easy-to-use search tools and plan comparison charts
  • Qualified Customer Service Representatives to assist you
  • No unnecessary paperwork hassles
  • Discounts on dental specialties available with most plans
  • No health restrictions


For more information visit

Best & Worst 401k Plans Ranked by New Online Database

March 30, 2009 | Services | No Comments

Business Week has issued a report of the best and worst 401k plans based on a new online database at that has more than 1,000 plans.  The plans are rated based on participation rate, fees, default and employer match. 

Bright Scope uses more that 200 data points to determine an overall 100-point rating for each plan.

Below are the top 10 401K plans with at least $100 million in assets:

1.   Saudi Arabian Oil  
2.   Bank of New York Mellon
3.   Greenwich Capital Markets  
4.   Southwest Airlines  
5.   Piper Jaffray  
6.   Nucor  
7.   Fedex
8.   Amgen  
9.   Mcdermott Will and Emery  
10. Chevron  

Below are the 10 worst 401K plans with at least $100 million in assets:

1.   Darden Restaurants 
2.   Big Lots 
3.   Radioshack 
4.   Zale 
5.   Compass Group Usa 
6.   Bob Evans Farms 
7.   Mps Group 
8.   O’reilly Automotive 
9.   Best Buy 
10. Pep Boys

Visit to see the best 50 401k plans and the worst 50 401k plans.  Visit to search ranking and rate your employer.

Related Article:  What is a 401K?