Carnival Of Twenty Something Finances

Posted on: July 27, 2009 by Matt 8 Comments

Well – technically I turned 30 a bit over a week ago but I offered to host this week’s carnival about a month ago, before life got insanely busy.  Anyway – given the crazy schedule lately I am going to jump right in.  There are some great articles here and I encourage everyone to browse through them and have a look and remember to keep an eye out for the editor’s picks!

Ray presents Lenders for Problem Credit – Just What the Doctor Ordered! posted at free credit tips.

Kelsey Grace presents GoPhone Versus Contract Phone posted at AT&T Go Phone, saying, “This article will help readers understand the difference between a pay as you go phone and a contract phone.”

The Dough Roller presents The College Student’s Guide to Credit Cards posted at The Dough Roller, saying, “A comprehensive guide to help college students understand the risks and rewards of credit cards.”

forex trading system presents There is life after a bankruptcy or an IVA | Talk Money blog posted at Money Saving Tips, Consumer Finance, Expert, Advice and Help | Talk Money Blog, saying, “It is reported today that 29,444 people in England and Wales declared themselves insolvent in the last quarter of 2008; this is an 18.5% increase for the same period in 2007.”

Silicon Valley Blogger presents Netflix Review: Why Sign Up For An Online Movie Rental Service? posted at The Digerati Life, saying, “Is it worth the money to sign up with an online movie rental service? What kind of dent does Netflix have on your pocket? For some people, it may be a reasonable option for entertainment!”

Editor’s Pick: Matt Jabs presents Pay off Credit Cards VS Build Emergency Fund Savings – Me VS Suze Orman posted at Debt Free Adventure!, saying, “Recently I had a bit of a “tweet off” with Suze Orman because of a slight breakdown in communication between Suze, my wife, and myself… It centered on the topic of whether we should focus on paying off our credit card debt or building up our emergency fund savings.”

The Smarter Wallet presents Credit Monitoring Services To Check Your Credit Report posted at The Smarter Wallet, saying, “Thanks!”

Pinyo presents How To Get Free Credit Reports posted at Moolanomy, saying, “Learn how to get your credit report for free from AnnualCreditReport.com and don’t be fooled by sites that sign you up for paid services.”

Super Saver presents Possible Scenario – A Long Bear Market posted at My Wealth Builder.

Banker Saver presents Is The Inflation Protected Certificate of Deposit Still Around? posted at Banker Saver, saying, “Cool carnival! :)

Investing Toolkit presents The Successful Stock Investor: Do You Have These Attributes? posted at Investing Toolkit.

apply4-credit presents Balance Transfers and Your Credit Score posted at Apply4-Credit.

Mr Credit Card presents Another Reason To Shop Around For The Best Card posted at Ask Mr Credit Card.

Britannica Blog presents About Fixing the Economy: Obama, Weak; GOP, Clueless; the Masses: Distracted (by Michael Jackson, et. al) | Britannica Blog posted at Britannica Blog, saying, “Vice President Joe Biden says the administration “misread” the severity of the recession, an assertion borne out by forecasts supporting the stimulus package that came nowhere near seeing June’s unemployment rate of 9.5 percent. Yet the statement still seems odd: Even during the campaign economists and politicians alike were talking about the worse economic calamity since the Great Depression. Misread, indeed.”

kathryn presents Spend a Little, Save a Lot posted at Out of Debt Christian, saying, “Sometimes, you’ve got to spend some money to save some money. Here are three great programs that will cost you a few dollars today but could save you hundreds of dollars over the months ahead…”

Handy Saputra presents No Closing Cost Mortgage Refinance – How can you Qualify posted at Home Loan | Mortgage Resources, saying, “You go account that No Closing Cost Refinance can save you much money compared to obtaining a plan of refinancing which includes a closing-cost? Many people are confused approximately if they should obtain no closing cost refinance or refinancing with a closing-cost. The true truth of the matter is that it depends completely on your financial position and the options of refinancing which were offered to you. You would have never let no matter whom indicate to you that a cost of no-closing cost mortgage refinance will be always better than one which includes a closing-cost; it is simply not true.”

presents Best Auto Insurance Companies in the United States Top 10 posted at Home Life Weekly, saying, “s we all know auto insurance is something that we really all need, however the cheapest quote is not always the best auto insurance quote in the long term. Especially when you have to make a claim. Only when you have paid you insurance do these problems come to light. So here is a top 10 auto insurance companies which perform best overall”

Madison presents Bank of Dad – Will Your Kids Be A Client? posted at My Dollar Plan.

Jason presents American Express Blue Cash Review posted at American Express Tips.

Sun presents Alternatives to MS Money posted at The Sun’s Financial Diary.

nickel presents Do You Need Disability Insurance? posted at fivecentnickel.com.

KCLau presents Why the worse classmates are wealthier than you? posted at KCLau’s Money Tips, saying, “Discusses if there is a correlation between academic success and financial well-being”

Woman Tribune presents 5 Tricks to Get a Handle on Unnecessary Spending posted at Woman Tribune.

Ray presents Blog Carnival – Submit an Article to a Carnival posted at free credit tips, saying, “Bank of America wanted to know all about my financial situation. It sounded like they had different plans depending on a person’s situation. Bank of America is currently the largest issuer of credit cards in the United States. They offer…..”

Chris presents Exchanging currency when buying property posted at Home I Own, saying, “Exchanging a big amount of money presents a good chance to save – or lose!”

Handy Saputra presents Tips To Get Mortgage Refinance With Bad Credit posted at Home Loan | Mortgage Resources, saying, “Today, you can discover many lenders who are dedicate to mortgage refinance for people with bad or poor credit. Lender has to visage approximately expose to provide a mortgage refinance credit, and this is ordinarily reflected in privileged rate and appeal rate existing. Due to online competition, these rate be inflicted with been repeatedly decreasing and apt more favorable for people with bad credit.”

Kate Hopkins presents 100 Money-Saving Lessons from Poor College Kids posted at Online College Degree.org.

Martha Jackson presents 10 Excellent YouTube Videos to Learn About Long-Term Investing posted at ETFdb.

Jack Schmidt presents Albert Einstein and Your Personal Economy posted at SectorMatic Money Journal, saying, “SectorMatic Money Site – Personal Finance | Everything for the Big Spender on a Budget. Now you can live like a fat cat, even if you’re on a money diet. Laugh all the way to the bank with Jack Schmidt and SectorMatic. It’s for you!”

Tyler Tervooren presents Dump Your Dryer and Rack Up the Savings posted at Frugally Green, saying, “Did you know an extra 15 minutes of work every time you do your laundry could net you more than $500 in savings in a year by air drying your clothes? Me either, until I did the math. Getting really great laundry results from the sun and the wind can be a little tricky though. This mini journal provides the tips and tricks to get it right.”

Michael presents How to Rust-Proof Your Car posted at Vital Motion, saying, “Rust-proofing your car can have some serious benefits for your car, but it isn’t cheap or easy.”

Barry presents Managing Surplus Money In The Short Term posted at Associate Money.

Handy Saputra presents Top Reasons to Refinance Your Mortgage Online posted at Home Loan | Mortgage Resources, saying, “Mortgage refinance is taking out a new loan to pay off your old mortgage. The new loan will have more favorable conditions such as a lower interest rate or longer term, and you might even be able to take out more money than the value of the previous loan, leaving extra cash (cash out refinancing) for paying bills and doing home improvements etc. This new mortgage is secured against your home, in the same way your old one would have been.”

Heather presents Special Report: 401(k) Plans, ETFs and You | ETF Trends posted at ETF Trends, saying, “Your 401(k) is killing you. What’s the solution?”

Chris McClelland presents Credit card perks that you might be missing out on posted at Lucrative Investing.

Chris McClelland presents How social networking sites can also help you save some money posted at Lucrative Investing.

Jeff Rose presents Should You Buy Long Term Care Insurance posted at Jeff Rose.

Robert Alan presents Designing Websites to Convert Visitors into Sales: Beginners Guide posted at Bill Hazelton, saying, “Tips on how to design and build a better blog or website that will convert more visitors into sales.”

jim presents Best CD (Certificate of Deposit) Rates posted at Blueprint for Financial Prosperity.

Editor’s Pick, this one is fun: J. Savings presents Financial Mad Libs! Are You Down? posted at Budgets are Sexy., saying, “Get ready for some crazy awesome mad-libbing! It may sound a little silly at first (because it is), but you just might learn something today.”

ChristianPF presents 5 easy and cheap home repairs that will save you money posted at Money in the Bible | Christian Personal Finance Blog, saying, “If you have an hour and about $10 you can save hundreds over the course of the year with these tips…”

Wojciech Kulicki presents Deciding What to Spend on a Wedding posted at Fiscal Fizzle.

Tom Tessin presents Using a Credit Card Wisely posted at FSC Blog, saying, “Credit cards aren’t the root of all evil. Instead, you’ll want to know how to use one.”

Editor’s Pick: Len Penzo presents 18 Astounding Things You Didn’t Know About Money posted at Len Penzo . Com.

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Headed To Denver

Posted on: June 22, 2009 by Matt No Comments

As I mentioned in my last post – there was a chance that I would be headed to Denver for a while to help out my company while another employee is on medical leave. As of Friday afternoon I am officially heading out to Colorado.

That said – I am not sure how my trip will effect my ability to post but I hope to have some time to write up a few new posts during my travels. We will have to wait and see how it goes.

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Audit Cell Phone Plans For Possible Savings

Posted on: June 10, 2009 by Matt No Comments

Every month my cell phone bill drops into my email.  I log into my provider’s web site and pay the bill via the online payment options - rarely do I look at the details of the bill because the price falls in line with what I expect to pay.  However last week my girlfriend reminded me that she needs a new cell phone (as I accidentally washed her old phone) and asked if we could look online to see what was available.  When we looked we discovered that we were both eligible for free upgrades and opted to take advantage of the new phone offers.  The deal resulted in each of us getting a new cell phone with free activation and free overnight shipping – the total was about $550 in free stuff with a two year commitment to the provider.

On Monday the new phones arrived and activated without issue.  While I was in the process of getting the phones activated I decided to run through our plan and see what was offered and if there were other plans that might help us save a little money.  The new phones are designed to make text messaging easier and we were hoping to use the feature to stay in touch better.   The problem was that I thought we had to add text messaging to our plan in order to do so at an additional cost of $20 per month. However – while looking at the phone add-ons I noticed that my girlfriend’s phone appeared to have a text add-on as part of the family plan but neither of the other two phones included this add-on.  I reviewed a bit further and noticed that she appears to have unlimited text messaging based on the usage details whereas my phone was showing $0.20 per message.

After calling customer service and telling them what I had discovered they were happy to add the family text add-on to the other phones in the plan as well as adjust the bill for any text charges for the past 2 months. So by simply running a basic audit of our plan and phones we were able to:

  • Get an additional feature tied to all of our phones saving us $20 per month.
  • Get $5 or so back in credit to the account for previous charges.
  • Confirmed that we are getting the best rate for our usage requirements.

In order to keep up on making sure that we are still getting the most bang for our buck I will probably plan on running an annual audit of our cell phone plan.

Off The Grid Show With Les Stroud

Posted on: June 2, 2009 by Matt 1 Comment


More Off Grid

Originally uploaded by mikeysklar

Over the weekend I discovered that I have a new favorite television network: Planet Green. I had seen a couple of clips from shows on the network but had not sat and watched for an extended period of time until Sunday afternoon.  My girlfriend had hurt her back so we were having a mellow afternoon and she told me about a show called Off the Grid she had seen the night before after I had fallen asleep.  She said it was pretty cool and that I would have really liked it.

The show is a documentary starring Les Stroud (also known as Survivorman) and his family as they purchase 150 acres of Canadian wilderness and move off the grid.  I was just amazed at the lifestyle the family chose and really just could not stop thinking about how cool their plan was.

The best part – they went green on a budget! Obstacles like not being able to drill through bed rock due to cost constraints were real and they faced the challenges like a regular family.   Once completed the family produced their own power and water which left them both living green and free of utility bills.

I personally dream of a day when I can go somewhat off the grid with my family in our own home. I do not think we will be using any self composting toilets but I am open to the idea of a gravity feed from collected rain water (provided my better half agrees).  However – I do not want to go totally off the grid at this time. While I strongly believe in trying to live a greener lifestyle I also think that we may be able to give back additional power generated if we were to produce our own energy via solar or wind power.  From the setup that Les Stroud and his family had it appeared that once their batteries were charged the system just stopped producing energy.  I figure that if the system is producing energy anyway and we have the ability to be wired in then why not give some of it back to the power company? I have also heard that the power companies will also reimburse you for the power provided back but my goal would be more in line with providing a little bit of green power back more than making money.  Anyway – at this point it is more or less just a wishful dream of mine but I hope someday that it will be a reality.  I suppose when the time comes then my girlfriend and I will talk it out and make decisions based on what we can and can not do.

In the mean time – while digging around on the show a little bit I found it over on YouTube.  Here is an embedded clip of the show for anyone that wants a preview. For the rest of the episode just head on over to YouTube and search “Off the Grid Les Stroud”.

Off On Vacation

Posted on: April 30, 2009 by Matt No Comments

Well – we are currently in the car headed out to Maine for the weekend.  I will be back in action Monday morning.

Hope everyone has a safe and enjoyable weekend.

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