To Be or Not To Be

(I love this cartoon)

A few months back I started montonizing this blog to help bring in a few bucks to suplement my $19K annual salary. There was some debate about it at the time, I even asked for all of your opinions. Since then I have used Blogsvertise and PayPerPost ver since. Well except the month of November, when I didn't post any. Well someone was surprised when I typed up two yesterday from Blogsvertise. This person sent a note saying:

You should write the 33 blog posts. I'd rather see them than all the sponsored posts you've been writing lately.

Well s/he is refering to another post I amde, and currently have been working on. Howevr, they take research and I have several in my drafts waiting for completion as I have the time.
Since, I only make 19k, I need the additional resources to come from someplace. Though, I don't make enough from the montonization of this blog, to make much difference, but it does help.

Certainly, I would prefer to get rid of blogsvertise and payperpost, because they take some time away from my regular posts, searching out the assignments that would fit in with the theme of this blog. However, I need to get 3 hits on Google Adsense every single day on a regular basis, just to get the minimum income that it takes all 3 to currently bring in. That is something that just isn't going to happen with on 50 unigue visitors everyday. I diffenitly cannot get the 21 clicks on the adsense ads that would bring in the resources that I actually need, to supplement my income.

I did on November 30th (I believe) create disclosure policy stating from that day forth I would mark all posts that are sponsered as being as such. My question, to all my readers, should mark them as sponsered the way I have (in the 3 that were affected) or should I put the word sponser in the title? Such as
"SPONSER: Such As This"
So what do you think? If you would prefer that I get rid of the paid posts all together, what ways do you propose that I make the needed resources to pay off my debts, so that I can replace the shoes on my feet that have holes in them? Or to actually buy food? Have you seen the price of eggs this week? $1.29 for a dozen large eggs. I am someone that normally eat 2-3 eggs a day. When I seen the price of eggs today, I left, without purchasing them. I will eat a can of beans for breakfast rather then pay that kind of price for now.

Insurance Quotes Website Review

Are you looking for a place to compare insurance quotes? http://www.insurancequote4you.com/ may be the place for you. The website in this reviewers opinion, is easy to use. Simply type you zip code into the box on the front page, and follow instructions.

Once I submitted my information to http://www.insurancequote4you.com/ and their spider searched their database, they came back and said that they could not find anyone in the Topeka area to write the life insurance to meet my needs. The website also will search auto, home, health, etc, but I did not search any of those databases.

I did find http://www.insurancequote4you.com/ to be an interesting website and could be valubl;e if you are researching insuranc quotes, however I find that the database seems smaller then simaler services out there.

The beauty of it is, when they couldn't provide me with any information, they came me a list of websites that they thought might be able to help me.

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MoneyBuddy.com Looks Interesting

Money Buddy does two things: product comparison and personal finance information. Compare thousands of credit cards, car loans and home loans with the product finder. And whether you're a financial novice or expert, you'll find plenty of news, info, guides and tips - just browse the sections, or search for an article with the search bar above. And if you're still in need of guidance, search the directory for an expert's advice.

That's the claim of http://www.moneybuddy.com.au/. While, I am opposed to borrowing, I believe that those of us that have been foolish in the past to borrow, need to know if we have the best interest rates. If http://www.moneybuddy.com.au/ claims are correct, the information would be valuable. However, before running out refinancing, remeber what John Cummuta says about that.
The newer a loan is the more interst you are paying, so when you refinance, you are starting over and paying almost 100% interest. So consider refinancing carefully.

I can not recommend nor criticize http://www.moneybuddy.com.au/. If you visit the website, I just encourage you to be carefull and smart before submitting any personal information to these Australians.

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Avoid PayDay Loans

Today I was looking at the website of one of those payday loan places. You know one those places that some have called loan sharks. Even the guy I talk about the most, has nothing good to say about these type of places. Dave Ramsey says that you never find them located near where rich people live, because the rich don't use them. They prey on the poor and the military. Because of that, those are the places that they set up shop.
When I say they prey, I mean it. They will set up shop right outside the military bases and when a low and underpaid member of our military is late paying their debt, they blackmail him/her by threatening to tell their commanding officer.

Not only that, but they are called loan sharks because of the interest rates they charge. Rates that figure up to an apr that can be as high as 1303.57%. That's right 1303.57%, of course that is the fine print, they will only tell you that it is 25% when trying to hook you. It's after you sign the contract that you learn the true costs. That 25% however is over the 7-16 day life of the loan. Think about it, you can get better rates from the evil credit card companies then these jerks.
Ok, so lambasted the industry, now what about this online version of these jerks?

National Payday Loans claims that their loans are "Fast, easy and free." Free? But they charge 25% to loan up to $300. Well their website explains..."Free payday loans for first time customers, this is a no fax loan and there is no credit check required." Ahhh, I see. So like a drug dealer giving a free sample to the newbie to get them addicted, so that they keep coming back time after time.

Their website does have a faq page, on which you can find a chart showing the actual APR's that National Payday Loans is actually charging on their loans.

At one point in time I was hooked by con artisits like these guys and eventually I said no more and have never gone back. Now National Payday Loans wants to try to lure me in with a "free loan," however, I am smarter then that. I would not recomend these guys to my worst enemy.

This review is NOT a sponser in any way....I wrote this review totally on my own...to show the crap that scum like this will do.

Free Breakfast

A friend of mine, who was watching the game on ABC, just called and told me that Chic-fil-a was a sponsor and that they ran an ad for a free breakfast if you log into freebreakfastnow.com. You have to be among the 1st 1 million people to respond to get the free breakfast coupon in the mail.
When I logged on and submitted my info, I was told I would also get a free milk shake when I purchased a chic-fil-a sandwich and bottle of Dasani water.

My Need For Insulation

I recently posted a request on FreeCycle for insulation. I seen insulation listed a couple times as offers, but I have never been successful at being the receiver of those particular offers. The house I live (and bought 8 years ago, come January) in has absolutely no insulation. None, nada, zilch and the cash is not there to buy the needed rolls. I figure about 10 rolls (maybe more) to get insulation in my attic.
So far no one has responded, but I am hopeful someone will have at least one roll that they can give me. Once I get debt free that will be one of the first home improvements that I will save up for. Along with finishing the bathroom remodel and the back porch improvements. Of course the living room picture window needs replaced as well.
Once I get some insulation in the attic though, I will be able to reduce my heating expenses some. And in the long run that will save hundreds more then the insulation would ever cost.
I even went to the local weatherization group and applied for help there, but they said I made $100 to much to receive help from them. If they would have come out to do anything, they would have blown insulation into the walls as well the attic and finished off by making sure the windows were sealed. All of which I need done, but will just have to wait for awhile.
Since heat rises, my first concern is getting insulation into the attic. Second would be making sure the windows are sealed with some good caulking.

Seasoned Trades Repairs Credit? No Thanks

Raise your credit score up to 200 points! As seen in the Wall Street Journal. That is the claim of SeasonedTrades.com. Anyone that has read this blog for any length of time, knows that I am a Dave ramsey fan and as such, I don't care about my FICO score. I do not worship at the altar of the FICO score. So no matter what, I am not going to recomend this sponser in any way. As Dave has said many times you can get a mortgage without a FICO score, but you can't get a FICO without debt. Since, I do not do debt, I don't care about the stupid FICO.
Another thing Dave Ramsey teaches is that you can't get out of Debt microwave fast, instead it is slow like a crock pot. This website apparently thinks you can change your bad FICO to good, microwave fast.

Learn how to add years of perfect payment history for FREE!

The secret is out!

We will teach you the secrets that WILL raise your credit score up to 200 points in a short amount of time.

I would never recomend Seasoned Trades or any other so called credit repair service. Forget the FICO, pay your debts, if you have to make payment arrangements with your debtors or get a settlement offfer from them of you can't pay in full.
Sell your stuff, or as Dave Ramsey says, "sell so much stuff, that the kids think they are next." Then use the money from the selling of this stuff to pay off your debt. Once you are debt free you can again start buying some of these things, if you feel that you have to have them. Only this time, do it slower and cheaper by buying for the items with cash.
One of these days I dream that I will have quality items in my home instead of cheap formica crap that is worthless after you bring it home from the box store.
However, I will do it with cash and I will never go into debt again. I will never use Seasoned Trades and I recomened that no one else does either.




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