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Should the Government Continue to Bailout AIG?

It would be nice to say “No, the government should not continue to bailout AIG”; however, the US government has no choice but to bail out AIG.  This is because if AIG collapses, it will be a nightmare and would seriously damage the already fragile U.S. economy, and even the world economy. Most experts feel […]

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Heritage.org Says Obama’s Spending Plan is Wrong

February 1, 2009 | Videos | No Comments

Check out this video below about why Heritage.org feels Obama’s spending plan is wrong.  President Obama’s plan recently passed the House or Representative and is currently on the way to the Senate for voting.


I.O.U.S.A.: Byte-Sized – The 30 Minute Version

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Get Paid to Open New Bank Account

January 24, 2009 | Banking | No Comments

Looking to open a checking account?  Then checkout these great deals.


Get $150 Visa Gift Card from National City when you open a checking account.


Get $25 from CitiBank when you open up an Ultimate Savings Account.


Get 3.5% interest from Dollar Savings Direct when you open a new savings account.


Get $75 from PNC when you open a PNC Personal Checking.


Get $50 from Bank of America to open a new checking account.


Turn Everyday Spending into College Savings

January 7, 2009 | Student Loans | No Comments

Upromise

Worried about how to save for your child’s college education?  Consider using Upromise, which is a simple, yet powerful idea.

About 10 years ago Upromise was launched based on the premise that everyone should be able to afford a college education.

Today, with more than 9 million members, Upromise is making that a reality for many Americans.


The idea is so simple.

  • Create a college savings service that harnesses the purchasing power of parents, extended family, family, and students to make it easier to pay for college.
  • Members direct their spending to Upromise partners—including more than 600 online stores, 8,000+ restaurants, thousands of grocery and drugstore items—and earn money for college.


Powerful Results:

  • Everyone can earn money for college—parents with young children; family and friends that want to contribute; students and graduates with eligible student loans to pay.
  • Many members have earned hundreds even thousands of dollars for college with their everyday spending, and have been able to use those earnings to contribute toward college tuition, expenses, or loans–quicker and easier.


For more information visit http://www.upromise.com.

Quicken Online is Now Free!

January 7, 2009 | Cool Stuff | 2 Comments

Good news!  Quicken Online is free!  Now you can see your accounts all in one place, know what’s due and what’s left, avoid late fees and check your balances anytime, anywhere.

Quicken Online allows you to know what bills are coming,  when can you pay them, and any cash left over for fun.  Now you’ll know.

Quicken Online Account Mash-Up Makes Online Banking Better. Forget bouncing around sites. View and access your accounts, all in one place. Anytime, anywhere, you can check your account balances online or from your cell phone, 24/7.  Visit Quicken Online for additional information.

How To Save Money Buying Auto Insurance?

December 16, 2008 | Insurance | No Comments

The price you pay for car insurance can vary by hundreds of dollars, depending the insurance company, the type of car you have, your driving record, where you live, etc.

Below are some techniques you can use to save money.

Shop Around

Get at least three quotes because prices vary from company to company.  The Internet makes it easy to easily and quickly get quotes.  You can always call the the companies directly.

Remember not to shop by price alone. You want a reputable company that you can rely on if you ever have to file a claim. You can ask friends and relatives for their recommendations of their insurance company.

Purchase a Policy with a Higher Deductible

Deductibles is the amount of money you pay before your insurance policy kicks in. By requesting higher deductibles, you will lower your insurance premium substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 percent to 30 percent. Going to a $1,000 deductible can save you 40 percent or more.

Maintain Good Credit

Your credit rating may affect what you pay for insurance, so keep a close eye on it. Credit makes insurance rates more accurate, fair and objective. While the use of insurance scoring varies from state to state and company to company, it is a fact that drivers with long, stable credit records have fewer accidents than drivers who don’t. There are various Internet services that allow you to check your credit rating and provide tips on how to improve your score.

Seek out Safe Driver Discounts

Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also qualify for a cut if you have recently taken a defensive driving course.

Inquire about other discounts

You may get a break on your insurance if you are over 50 or in some cases 55 and retired or if there is a young driver on the policy who is a good student, has taken a drivers education course or is at a college, generally at least 100 miles away.

Reduce Coverage on Older Cars

Consider eliminating collision and/or comprehensive coverages on older cars. It may not be cost-effective to continue insuring a car worth less than 10 times the amount you would pay for coverage.

Buy your Homeowners and Auto coverage From the Same Insurer

Many insurers will give you a discount if you buy two or more types of insurance from them. Also you may get a reduction if you have more than one vehicle insured with the same company.

Take advantage of low-mileage discounts

Some companies offer discounts to motorists who drive a lower than average number of miles per year. Low mileage discounts can also apply to drivers who carpool to work.

Inquire About Group Insurance

Some companies offer reductions to drivers who get insurance through a group plan from their employers, or through professional, business and alumni groups and other associations. Ask your employer or any groups or clubs to which you belong.

When shopping for auto insurance inquire about discounts for:

  • $500 deductible
  • $1,000 deductible
  • More than 1 car
  • No accidents in 3 years
  • No moving violations in 3 years
  • Drivers over 50-55 years of age
  • Driver training course
  • Defensive driving course
  • Anti-theft device
  • Low annual mileage
  • Air bag
  • Anti-lock brakes
  • Daytime running lights
  • Student drivers with good grades
  • Auto and homeowners coverage with the same company
  • College students away from home
  • Long-time customer
  • Other discounts

Shop for Auto Loans





8 Ways to Save Money on Auto Insurance

September 20, 2008 | Insurance | No Comments

1 – Get a Higher Deductibles
Deductibles represent the amount of money you pay before your insurance policy kicks in. Requesting higher deductibles will lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15 percent to 30 percent. Going to a $1,000 deductible can save you 40 percent or more.

2 – Reduce coverage on older cars

Consider dropping collision and/or comprehensive coverages on older cars. It may not be cost-effective to continue insuring cars worth less than 10 times the amount you would pay for coverage. Any claim payment you receive would not substantially exceed your premiums minus the deductible. Claims occur on average only once every 11 or 12 years. Auto dealers and banks can tell you the worth of a car, or you can look it up online at Kelley Blue Book. Review your coverage at renewal time to make sure your insurance needs haven’t changed.

3 – Buy your homeowners and auto coverage from the same insurer
Many insurers will give you a discount if you buy two or more types of insurance from them. Also you may get a reduction if you have more than one vehicle insured with the same company. Some insurers reduce premiums for long-time customers. But shop around; you may save money buying from different insurance companies despite the multi-policy discount.

4 – Take advantage of Low-Mileage Discounts
Some companies offer discounts to motorists who drive a lower than average number of miles per year. Low mileage discounts can also apply to drivers who carpool to work.

5 – Ask About Group Insurance
Some companies offer reductions to drivers who get insurance through a group plan from their employers, or through professional, business and alumni groups and other associations. Ask your employer or any groups or clubs to which you belong.

6 – Maintain Good Credit
Your credit rating may affect what you pay for insurance, so keep a close eye on it. Credit makes insurance rates more accurate, fair and objective. While the use of insurance scoring varies from state to state and company to company, it is a fact that drivers with long, stable credit records have fewer accidents than drivers who don’t. There are various Internet services that allow you to check your credit rating and provide tips on how to improve your score.

7 – Safe Driver Discounts

Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also qualify for a cut if you have recently taken a defensive driving course.

8 – Shop around
Prices vary from company to company, so it pays to shop around. Get at least three price quotes. Sites like this make it easy to get quotes! You can call companies directly or access information on the Internet. Your state insurance department may also provide comparisons of prices charged by major insurers.

Get quotes from different types of insurance companies. Some sell through their own agents. These agencies have the same name as the insurance company. Some sell through independent agents who offer policies from several insurance companies. Other companies sell directly to consumers over the phone or via the Internet.

Auto Insurance



Store Your Receipts Online with Shoeboxed

September 6, 2008 | Cool Stuff | No Comments

Shoeboxed

Are you a small business owner or even an individual who would love an easy way to manage all your receipts?  If so, you may want to consider trying Shoeboxed.com.  Shoeboxed is a free web site where you can store and organize all your receipts.

Shoeboxed will even scan your receipts for you through their Receipt Mail-In program for a fee.  For $19.95/month, you can mail your receipts in a pre-paid envelop.  Shoeboxed will then scan your receipts and mail the original receipts back to you.  You can then access your receipts online which allow you to sort and export to Excel, Quicken and other popular applications. There is a 30 day money-back guarantee if you want to try it out.

Shoeboxed offers many free tools for organizing your receipts online which includes:

  • Easy aggregation of all your scanned and email receipts
  • Export functionality for Quicken, Excel, CSV, and PDF expense reports
  • Automatically generated statistics about your spending
  • Powerful blocker of spammy emails


Visit Shoeboxed.com for more information