Monday, April 28, 2008

Extreme Pain, I Need to call the Doctor

Thursday, I woke up with an extreme stiff neck. However, it finally subsided and although the pain in my neck was still greater then my daily neck/back pain (for as long as I can remember), had been in the past. Then this morning, I woke up around 5 am with extreme neck pain again. So bad, I wasn't sure if I was going to be able to get out of bed.

I know, I know, the neck aren't my legs, but to roll over onto my side, so I could swing my legs over the edge of the bed was so excruciating painful on my neck. I have been using a "contour" pillow all weekend, to give proper support to my neck. However, it seems that it isn't helping much. As much as I hate it, because I don't have the $2,000 to cover the deductibles and co-pays, before my Blue Cross Insurance would kick in 100%, I think I may have to go ahead and try to get into see the doctor today, while I have a day off from work.

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Friday, April 25, 2008

See Maxed Out Free

Have you seen the documentary, "Maxed Out," yet? If you haven't, did you know you could actually watch the whole thing online via Google Video? I have found the video, or at least one of the online copies, and am embedding it here.

This is the documentary that Dave Ramsey was briefly interviewed in.




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Thursday, April 24, 2008

When Is My Stimulus Check Coming?

Do you know when you will be getting your stimulus check from the government? Most people would answer, May. However, that may not be the case. It all depends on how you filed. Not only that, but if you got a refund did you request a direct deposit or a paper check. If your refund came by direct deposit, you will gt your stimulus payment before anyone getting a check.

Take a look at the two charts below, to see when you will get your cash. The processing order will be done by the last two (2) numbers of your social security. For example, mine is 50, so a direct deposit would be May 9, while a paper check will be June 13.






DIRECT DEPOSIT


Last two SSN digits:Payment will be transmitted:
00 through 20 May 2
21 through 75 May 9
76 through 99 May 16









PAPER CHECK

Last two SSN digits: Payments will be mailed by:
00 through 09 May 16
10 through 18 May 23

19 through 25

May 30
26 through 38 June 6
39 through 51 June 13
52 through 63 June 20
64 through 75 June 27
76 through 87 July 4
88 through 99 July 11













source: IRS website


Now, that's news you can use!


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$300 Gone


I am excited. This week, the current balance on my mortgage was almost cut in half. A week ago today, my payoff balance was $725. Then I sent AmeriFirst Home Improvement a payment of $300, which was posted on their automated summary this morning. My new balance is now $423.28, based on a payoff for May 23. Of course, my goal is still to pay it off by May 1st. If only the $300 check I am still waiting on would arrive, so I can sweep that into this payoff amount. Once that happens, I would only need to come up with an additional $120 and some change to officially get it eliminated.

In fact, looking at the figures in Networth IQ, in the past month I have paid 50% of what I owed at the beginning of the month.

Realistically, at this late stage in the month, I may have to move the goal back to June 1st, but I believe in miracles and am going to stick to my May 1st goal, as long as I possibly can.

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Wednesday, April 23, 2008

My Social security Statement

I received my social security statement in the mail yesterday. I found it interesting. If I retire at age 62, I would receive $640/month. Like I would really be able to be live on that. So, we will move forward and look at going until full retirement (at age 67) when I would receive $914/month. That amount is still less then my take home pay. Of course, I would have my 401-K (which currently only has $3,000). However, if I wait until I am 70 to retire (a thought that I despise) my estimated benefits would be about $6 less then my take home at $1,133/month.

Now looking at the unthinkable, if I were to become disabled today, I would get an estimated $900/month. Again, certainly not a number I could really live on.

Below is a chart of my earnings from the time I begin working at age 19 (my 1st job, I was self employed).



YearEarnings
1988$327
1989$3,353
1990
$4,365
1991
$8,611
1992
$10, 708
1993
$10,878
1994
$12,972
1995
$802
1996
$3,503
1997
$12,857
1998
$14,202
1999
$14,793
2000
$17,839
2001
$15,103
2002
$13,295
2003
$17,734
2004$17,984
2005
$12,960
2006
$19,559
2007
$18,542


As you can see on the chart, my income took a drastic dip in 1995. That was the year I spent as a missionary (or full-time volunteer if you will). In 1996 I returned from the mission field in June and didn't find a job until September. Other highs are brought about by selling stock, with another huge drop in 2005, when I took a demotion (and pay cut) at work.

All in all I have paid $14,270 in social security taxes and $3,328 Medicare taxes.

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Job Interview

OK, I thought I would try some new features out that Blogger has introduced. The features are only available if you log into what they call Blogger Draft. The 2 features that caught my eye was the ability to now be able to schedule a post for the future. While I am actually writing this post at 11:41 PM (Central Time), it will (or is suppose to) post at 7 AM on Wednesday morning. Even, if I am still in bed, it will be able to post.

The other feature that blogger has created is a blogroll. I have already noticed one thing I don't like about it. That is that if you are linking to a specific page in a blog, it won't let you. For example, my list of blogs that aren't in the side bar. At the bottom of the link list I created, I had a link to a specific page within this blog, however when I put that link in the Blogger blogroll, it became a link automatically to the front page. In addition, the blog I write for the newspaper, it changed the link from my blog to a link to the front page of all the blogs on CJonline. Obviously, I don't want that. I think, I might just keep the link list and delete the blog roll feature. Anyway, this post is suppose to be about a job interview, so let get on with it.

This week I was called for a job interview. The guy who was doing the interviews, emailed me and made the joke that he was Dave Ramsey. When I arrived for the interview on Tuesday morning and meet him, we talked briefly about Dave Ramsey and my two blogs and then moved into the interview process. I must say, it felt very comfortable. It is a family run operation that owns 20 convenience stores in the area. I am not sure what will happen, but I will know within a week. Meanwhile, at my current job, there are things in the works there, that is to early to discuss.

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Monday, April 21, 2008

My Debt Albatross

I was going through my bills, and I found that I have been underpaying the electric bill. As a result, I have to come up with an additional $90 this week to bring it up to date. That results in me being about $40 over this weeks budget. Still though, I am trusting God and believe I will be able to pull it off. Although, I am in part counting on an annual dividend check, that I really don't know when it will come. The same check, I am expecting to use to nearly wipe out my AmeriFirst (home improvement) loan. I am still eager, and hopeful that I will be able to get rid of that loan by May 1, although this newest realization, may damper that a bit.

While, I am still struggling, it would seem that I can actually see the light. This debt will be gone soon, and I am so freaking eager to see it happen this month. Although, if it doesn't happen this month, it will happen next month. Then I can turn my focus on that annoying Fingerhut,which is the debt that is my albatross.

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Dave Ramsey is Coming

Good morning. I just looked at the calendar, as I was sitting down to write the new schedule for work and realized next Saturday (May 3) was fast approaching. What's so special about that Saturday? Well, that is the day when Dave Ramsey will make his 2nd visit to Kansas City, MO. A city about 75 miles from where I live. I again have a ticket for the Live Event that day. Last years event was at Municipal Auditorium and was sold out. It was according to the Dave Ramsey folks, th largest Live Event in Dave Ramsey history. This year, they have moved the event to Kemper Arena. Kemper, is the stadium where the Kansas City Kings played, before they moved to Sacramento. From what i last heard they have sold 9,000 tickets thus far.


The Total Money Makeover LIVE in Kansas City is only a couple of weeks away and already close to 9,000 people have bought tickets! Why don't you join them? Come be a part of the largest event on personal finance in the nation where you'll learn a lot and have fun at the same time! Learn, laugh and live...debt free.
- from an email sent by Dave Ramsey


I am looking forward to this event. When I took my last vacation, I didn't take a full week, so I will put in for a vacation day on that day. That will leave 2 more weeks that I will have to take at some point. But, that's another story.



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Thursday, April 17, 2008

Worshiping At The Altar of the FICO

This past weekend, the Today show on NBC, had a story entitled, "7 ways to improve your credit score." It is clear from not only the title, but also their guest that they are worshiping at the altar of the FICO score.

So what are the 7 tips?

  1. Fix your credit report
  2. The fastest way to raise your score is to fix errors on your credit report. Go to www.annualcreditreport.com to get a free report from each of the three credit bureaus every 12 months. It’s important to fix mistakes on all three credit reports. You have a separate credit score based on each bureau’s report, so your scores could be very different if one report contains errors.
    - Kiplinger’s Personal Finance magazines, Kimberly Lankford on NBC's Today Show
    I personally agree that if there is errors on your credit report, they need to (and must) be removed. I am a big proponent of checking all 3 credit reports once each year.


  3. Pay your bills on time
    About one-third of your credit score is based on your payment history. If you’re having trouble paying the total balance, pay at least the minimum by the deadline. Making that deadline is more important to your score than the amount you pay (although the more you pay off, the less interest you’ll owe). If you do miss the deadline, pay up as soon as possible, the later you are, the more you’ll hurt your score.
    - Kiplinger’s Personal Finance magazines, Kimberly Lankford on NBC's Today Show
    This is a commonsense no brainer. If you are late paying your debts, utilities and other bills, it is going to negatively affect your credit. Always, let me say that again, always pay your bills on time.


  4. Keep your balances low
    Another big part of your score is the share of available credit you’ve used. Lenders get worried if it looks like you’re maxing out your cards. Keep card balances below 25 percent of the credit limit, 10 percent is even better. It’s the amount you charge that counts, even if you pay the balance in full every month.
    - Kiplinger’s Personal Finance magazines, Kimberly Lankford on NBC's Today Show
    If we are going to be debt free, why do we need to keep low balances? This is one area, where this lady and the banks are trying to keep you in debt, by trying to tell you closing the account will negatively affect your credit. The only reason banks want you to keep any balance at all, is so they can relieve you of your hard earned money and make themselves richer.

  5. Don't close old accounts
    Keeping old accounts with a good record can help because the age of your oldest card and the average age of your cards are key elements of your score. Closing accounts also lowers your overall credit limits, which makes it look like you’re closer to maxing out your available credit. If you do want to close some accounts, especially ones with high annual fees, close only one every few months and don’t close any accounts within six months of applying for a loan.
    - Kiplinger’s Personal Finance magazines, Kimberly Lankford on NBC's Today Show
    I pretty much answered this one in my last response. As Dave Ramsey has repeatedly said on his show, the only thing a good FICO score shows is that you love debt. If we are going get out of debt, we don't need a score at all. Plus, if you want to get a mortgage and don't have credit, you can still get that mortgage. Mortgages being the only debt Dave Ramsey, backs away from being critical on, can be obtained by using a mortgage broker that uses manual underwriting.

  6. Pay off old debts
    Even a small library fine or disputed electric bill can crush your credit score if the debt goes into collection, dropping a high score by as much as 100 points. Now that more municipalities and utilities are sending small, old bills to collection agencies, I’ve been hearing from many more readers whose scores dropped significantly because of a very old bill for less than $100. Even if you pay off the bill after it’s gone to collection, the damage is already done. Negative information generally remains on your credit report for up to seven years, but the impact on your score lessens through time. Don’t lose track of small charges that can come back to haunt you, and pay the bills off quickly before your score suffers.
    - Kiplinger’s Personal Finance magazines, Kimberly Lankford on NBC's Today Show
    Yes, I agree. Going back and paying off debts that may have gone to collection is not only a legal obligation but us a moral one, because we are to honor our agreements.


  7. Order your credit score
    You can’t get your score for free, but you can order it when you get a free copy of your credit report at www.annualcreditreport.com. Or you can go to www.myfico.com and get your score directly from Fair Isaac, which created the popular FICO score. Some credit bureaus also offer their own versions of credit scores, which can give you a general idea of how your record stacks up, but most lenders use the FICO score when setting your rates.


    I have even heard Dave Ramsey talk on his radio show about going to www.myfico.com and checking his FICO score. In his case it is 0 on all three credit bureaus. Meaning he doesn't have an "I love debt score," because he doesn't.


  8. Don't ignore your score
    Buying or refinancing a house is the biggest reason to be concerned about your score. But your credit score also affects your credit-card rates and terms, car-loan rates and auto and homeowners insurance premiums. Insurers found that people who have low credit scores are more likely to have insurance claims, and your score can have a big impact on your premiums in most states. Potential employers and landlords may also check your record. Don’t worry about micromanaging your score, you’ll usually look good with anything above the high 700s. But your score can affect your personal finances at any time.

    OK, I have gave my thoughts on this. Unless you are going to make the banks richer and go into debt again, I strongly urge you to ignore your score. You can get a mortgage by using a manual underwriter rather then a bank that leans purely on the FICO score.

    With that said, I do know my scores. Last Month, the last month WaMu checked my credit from the old Providian Credit Card that i just paid off, they put me at a 688 with TransUnion.

    However, on April 14th of this year I logged into and got all 3 FICO's. I must say there is quite a bit of difference and I haven't been late on anything recently nor have I applied for any new debt.

    *** TransUnion 619 *** Equifax 550 *** Experian 624 *****

    Two of the three did however, have a public record on them that even though it was paid and the lien released had not been removed from my credit reports. In fact, the state actually just sent me the court papers dated some 3-years after they were to have been filed. Go figure.


Finally, Suze Orman who most recognize as a person who worships at the altar of the FICO score, has a product called, the Suze Orman FICO Kit Platinum that is available when you sign up with myFICOscore.com. The video below is from VideoCreditScore.com, and is an intereting review of the product. While I certainly to hold to the belief of fixing your "I love debt score," unless you want to put yourself into debt further (or again as the case may be), it is certainly worth viewing.






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Wednesday, April 16, 2008

Miscellaneous Thoughts - Writer Troubles, Retirement, Etc

I have been working the last couple of days trying to get comments from certain individuals for a post, that I had planned to post here and on my Capital Journal online column. Due to them being to busy to get a response back, being out of town or whatever, I have not been able get a response. I will continue trying to bring you the post with the comments, but if no comments come today, I will have to run it without them. However, I won't be able to post the article on my CJ online column.


On another note, I received my 1st quarter statement for my 401-K and everyone of my investments, except two lost money. Of course those two are both smaller investments, within my retirement plan. Those two are JP Morgan Stable Asset Income Fund-Select and the other is First American Real Estate Securities. All-in-All my retirement investments took a $251.51 loss, while I infused $534.80. So much for diversifying. Over the life of the retirement I have lost 8.71%. The thing is, it appears these funds may be bing transfered again to yet another broker/account so waiting out the down turn in the market doesn't appear to be much a possibility.

The commentary that came with the quarterly report, said
Equity markets suffered their worst quarter since 2002 as the credit crunch intensified and more evidence began to point toward a looming U. S. recession.



At work it appears some things are in the works and I am excited about the future.
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Monday, April 14, 2008

Ebay Results

Ebay results. I have sold 1 of the VHS tapes on Ebay. However, I actually lost money, since I did free shipping to entice more bidders. Problem is, I only got one bid, for the $1.99 starting price. It cost me $2.13 for postage alone. IE: that didn't include the cost of the padded envelope, ebay listing fees or Ebay final selling fees.

I did get a couple bids on the brand new DVD that sold for a final price of $6.66. That basically paid for most of the cost to buy the 6 (8x11) padded envelopes that would hold either of the VHS or DVD. Finally a friend of mine had me list a used DVD (Surface TV series) set that for him and that went for a buy it now price of $20. After subtracting all the expenses for selling that DVD for him he received $8 and I pocketed $6.

All in all, my Ebay has been a total wash. I still have items for sell (with no bids), but really should I list anything more? The idea is to sell items so that I can pay off my debts.


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Free Tax Filling Help for Procrastinators

Most of us have already filled our taxes, but for those of you who have procrastinated here is a something you might look at. Since the filling deadline is tomorrow, Michelle Shildkret with H & R Block emailed me to let my readers know.

I hear you about gas prices-- I just filled up in Brooklyn, NY and I was paying $3.45 a gallon. Ouch!

I see you're basically done filing, but tax day is tomorrow (ack) and I thought you might like to share the news that H&R Block is now offering TaxCut Basic + efile for the low, low price of FREE:
http://hrblock.com/cmpgn/online/free_online_lp.html

In addition, anyone that files with TaxCut is automatically entered to win a Cancun family vacation: http://www.facebook.com/HRBlockonline

Feel free to share with your readers- hope this makes their last minute filing a bit easier.

Thanks,
Michelle


So if you are one those that have procrastinated, hurry up. You are runny out of time and this online program, may be just the thing for you to get those taxes done.

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Free Tax Filling Help for Procrastinators

Most of us have already filled our taxes, but for those of you who have procrastinated here is a something you might look at. Since the filling deadline is tomorrow, Michelle Shildkret with H & R Block emailed me to let my readers know.

I hear you about gas prices-- I just filled up in Brooklyn, NY and I was paying $3.45 a gallon. Ouch!

I see you're basically done filing, but tax day is tomorrow (ack) and I thought you might like to share the news that H&R Block is now offering TaxCut Basic + efile for the low, low price of FREE:
http://hrblock.com/cmpgn/online/free_online_lp.html

In addition, anyone that files with TaxCut is automatically entered to win a Cancun family vacation: http://www.facebook.com/HRBlockonline

Feel free to share with your readers- hope this makes their last minute filing a bit easier.

Thanks,
Michelle


So if you are one those that have procrastinated, hurry up. You are runny out of time and this online program, may be just the thing for you to get those taxes done.

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Tuesday, April 8, 2008

Gas Prices Up AGAIN

We all now gas prices are going up. It is something, that we can't escape. Here in Topeka the prices range from $3.12 ($3.10 with shopper card) to $3.35 at the station that is consistently the highest place to get gas in town. The average is about $3.24. Even that crazy price though is below the national average.

In an article in the LA Times,

Retail gasoline prices surged to new highs in California and nationally over the last week, the Energy Department said Monday.

Prices are increasing even though supplies are plentiful.

In California, the Energy Department's weekly survey of service stations showed, the average price of a gallon of self-serve regular climbed 7.7 cents to $3.685 -- the biggest increase and the highest average in the country -- after hovering around the $3.60 mark for the previous three weeks. The state's latest average was 43.3 cents higher than the same week in 2007.

Those prices reported in California is higher then the national average. So Kansas is below and California is higher, but what is the national average? Glad you asked. It is $3.33, according to both the LA Times article and GasBuddies.com.





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Thursday, April 3, 2008

Taxes and budget

Well I got my taxes back from the tax preparer. I took some cash out of my emergency fund/insurance savings to pay his ($110) fee. Kurt is wonderful. He is a Dave Ramsey ELP (Endorsed Local Provider). He was able to get me a $531 Federal Refund, although I owe the state $74. That means that my IRS debt will see a substantial reduction this year. Especially considering the $600 stimulus tax credit coming in May. Altogether, I will see that particular debt decrease by $1100. Meaning, 1/3 of my tax debt will be gone this year.

I expect to use some of the savings money to pay off some of these debts, replace the laundry machine that went out on me (with another used one), get the bathroom door repaired (estimate $50) and hopefully get the tree limbs off the roof of my neighbors and my homes and away from the power lines. Not sure, I will have enough funds to do it all, but I am going to prioritize and make a valiant effort. I am expecting to have Amerifirst paid off by May 1st.



ItemBudgetedActualOwed
GIVING

Tithe/Charity$??
$???
subtotal
$??

HOUSING


Mortgage$80
$791.51
Insurance
$0

Maintenance$0

Taxes
$0


State Income Taxes
$74

subtotal
$154

$791.51
UTILITIES

Electric
$80

Gas
$80

Water
$30

Internet
$35
Phone
$0

Cell phone
$50

Trash
$15.50




subtotal
$290.50

FOOD

Grocery$50




subtotal
$50

Transportation


Auto Gas$70

Insurance
$0
Maintenance
$0
Tags & Taxes
$0

Car Payment
$400

$9,537
subtotal$470

$9,537
CLOTHING

Sunday Best
$0
Work
$0
Everyday
$0
subtotal
$0

MEDICAL/HEALTH


Prescriptions
$0
Deductibles
$0
Eye Doctor
$0
Insurance
$0
subtotal
$0

RECREATION/Memberships

Entertainment
$0
Dating
$0
Optimist Membership$40

Farm Bureau Membership
$0

Subtotal$40

DEBTS


Providian Credit Card
$0

$0
Fingerhut
$10

$1,000
Black Gold Insulation
$0

$0
IRS
$531 (tax refund)

$3,795.52
Subtotal$10

$4,795.52
TOTAL$940

$15,124.03





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Wednesday, April 2, 2008

March Ratings

Fire Finance has once again spent a lot of time and energy check out the ratings of "the top 100 personal finance blogs." The ratings for DebtFree4ever has slipped again, but I am still in the top 100 in all 3 services.

Before I give my rankings, I would like to thank Fire Finance for all of his hard work each month, checking out each of these sites.

#97 on Compete.

#75 on Quantcast.

#45 on Site Meter.


I would like to figure out how to improve my rankings, especially with Google page rank, which apparently stopped ranking sites on blogger/blogspot which it owns. Even though I have my own domain name, it is still hosted on blogger.


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Tuesday, April 1, 2008

Suze Orman on Oprah and NBC this Week


Last night, Suze Orman was on both Oprah and the NBC nightly news.


On Oprah, she discussed the rumored recession we are in.


Money expert Suze Orman says recessions are a natural part of economic life. "People should be concerned more than worried," she says. "This is not the first time that we have had a recession. A recession is nothing more than a contraction. I'd like you to think about it like your breath. You breathe, you expand. And then you have to contract in order to have breath, in order to have life. Money is the same way. It has to expand and it has to contract for the economy to have life."

Suze says recessions will come and go—so it is important to be prepared. "People think, 'The economy did this to me. When is the economy going to change?' As if the economy is going to save them. And what have I always said? Only you can save yourself. Nobody can ever save you."
- Suze on Oprah


Suze also reiterated something I have said repeatedly by blaming consumers for wanting something for nothing. Consumers currently tend to want to own material possessions and live for now. You could see this in some of the questions asked by viewers and the studio audience. Almost every question, dealt with people wanting to spend their future now.

Suze Orman was on NBC’s Nightly News last night to, and is expected every night this week. She and Brian Williams mentioned how the current economic crunch times are especially tough on those with “fixed incomes.”

Most people define “fixed incomes” as the retirement incomes of folks in their 60s and older, and I am sure that was her meaning as well. Well let me tell you, I would love to have the income of those on "fixed income." Compared to the working poor, it is fixed pretty high. If the economy is especially difficult on them, it would be even more difficult for the working poor.

I won't be able to see her tonight, because of work, but it will be interesting to hear what she will have to say tonight. Also, I missed last nights segment on CBS on debt. It is amusing to see two network's doing a series on debt during the same week. Wonder if ABC is doing one to. Because of work, I won't be able to see CBS tonight, or most of the week, either.

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**Image from 1st National Bank in South Africa***





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