Friday, October 27, 2006

Advantage Processors Deserves A Look See For Your Business

If you have a business, you are probably interested in finding an affordable Merchant Account, to accept those debit card payments. Advantage Processors is one such payment processor.
Advantage Processors, Credit Card Processing and Merchant Account services is a leading provider for low-cost online internet credit card processing merchant accounts for both Low Risk and High Risk merchants. Our solutions provides merchants with their own merchant account, online processing of credit cards (Visa, MasterCard, American Express, Discover), shopping cart links, virtual terminal, and site enablement.


Of course, as my regular readers know, I hate credit cards, so I recomend using Dave Ramsey's model and only use debit cards with the credit card logos.

Advantage Processors claims to be the place for best Internet Merchant Accounts that handels both High & Low Risk accounts such as Retail Establishments, Online Credit Card Processing, Merchant Account Program, Offshore Credit Card Accounts, Home Business Merchant Account and Retail Credit Card Transactions.


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From Poor to Family to Comedy; Week in Review Part 1

Over the past week, week and a half, or so there has been several articles that I wanted to take the time and blog about. However, with working at night, sleeping during the day not to mention my heavy involvement in community activities, it seems that I can never find the time. Besides there are so many other things I want to write about. Well today, I am going to take time and get these comments made. So lets start:
Single Ma asked On Oct 17, Do you know what it's like to be poor. In her article she says,

Some people never really know what it's like to be poor. I don't care how many poor people you know or went to school with. Unless you have LIVED it, there's no way you can ever really understand.

She then pulls a few items from a list posted by John at Whatever, that lets you measure whether or not you really know:

Being poor is knowing exactly how much everything costs.

Being poor is having to keep buying $800 cars because they're what you can afford, and then having the cars break down on you, because there's not an $800 car in America that's worth a damn.

Being poor is hoping the toothache goes away.

Being poor is not enough space for everyone who lives with you.

Being poor is thinking $8 an hour is a really good deal.

Being poor is an overnight shift under florescent lights.

Being poor is people thinking they know something about you by the way you talk.

Being poor is six dollars short on the utility bill and no way to close the gap.

Being poor is crying when you drop the mac and cheese on the floor.

Being poor is checking the coin return slot of every soda machine you go by.


Ok so John's list is much bigger then this, but it gives you an idea. I can remeber checking the coin slots numerous times, being short by a few dollars on the utility bills, driving a cheap car that I bought for $500. Heck, I can rember countless times dropping the last box of mac and cheese, just after I had coked it, and getting upset about it.

I even can remember several times over the last couple of years, having a toothache, and hoping it would go away. Including the one I had in the last couple of months, that eventually did go away, meaning I have not had to shell out 2-days income to visit the dentist.



On October 18, I read about An American Dream Denied, that appeard in the Boston Globe. It seems, John Walsh thought he was living the American dream. Until, that is, he ran head-on into a distiant cousin (one of whom I have never met or know in any way) of mine by the name of Jonathan Winthrop (his great-great grandfather's sister married my great-great grandfather or something like that).

Apparentley in MA, when you buy a condo, a board from the Condo Association, gets to decide if they will allow the sale. In another words, if you don't fit into their haughty mold, then you can forget buying the condo.

Walsh says Winthrop, chairman of the co-op board, was cold and haughty from the beginning. In an initial 30-minute ``preliminary interview," Walsh says, Winthrop's questions focused on the couples' parents' backgrounds, their own educations, and that of their children. Winthrop also wanted to know how they got such a good price on the unit, Walsh says. ``By the way," Walsh quoted Winthrop as saying at the end, ``your references are weak."

Walsh says his wife got the message loud and clear: They don't want us here, she said.

A very interested read. Makes one wonder, if Winthrop would act the same way towards a new found cousin who had grew up poor. Especially if Genoligical records proved the connection. By the way John Kerry is a cousin in this same family.


Finally, I will end this post with some comedy bits from the Dave Ramsey show.

Ihave barely scratched the surfice of the articles I wanted to talk about, but I don't want to make this article to big, so be looking for part 2 soon.

Thursday, October 26, 2006

How Does A Creditor Decide: Credit Worthy or Unworthy

I was trolling around the internet as i so often do, in my barely available free time, and I found a site that in some ways says many of the same things that I have touted in this blog. However, at the same time the site, does seem to worship at the alter of the FICO score.

Alot of people have bad credit and find any information useful when it comes to fixing their credit and why bad credit loans can be bad for them.

Bad Credit Loan is a wonderful site with information on how to avoid the "Bad credit loans" that prey on those with bad credit by charging really high interest rates.

The site even warns; as has many other people, including myself, to avoid "Credit Repair" Services.


Beware of so called"credit repair" services that offer to "fix bad credit." So that you don't need a bad credit loan. The only real way to fix bad credit is to change the way you behave with your credit. If your credit blemish is due to an error fix it yourself. Don't use a credit repair services to fix a mistake. There is nothing that a credit repair service can do for you that you can't do on your own for little or no cost at all...


So how does a creditor decide if you are credit worthy?

Nobody wants to have Bad Credit, or have to seek Bad credit loans. By knowing how creditors will evaluate you, not only is the mystery removed from the process, but more importantly you can take positive steps toward improving your "credit report" and increasing your chances of getting your credit approved.


There is a wealth of information on this 2-page website, that is worth a read.

Let me leave you with one more quote from the site:

The following is a list of most of the negative items that can appear on your credit report. They are listed in order of what many creditors would consider as best to worst.

1. Bankruptcy
2. Repossession
3. Late payments
4. Past due and unpaid payments
5. Court judgments
6. Credit Rejections
7. Loan defaults
8. Collections
9. Foreclosure
10. Credit inquiries

To Skip or Not To Skip


My Credit Union is running a promotion, that almost every financial institution runs at this time of year. I am trying to decide, if I should take them up on the offer.

The Credit Union is offering its membership the opportunity to help a good cause and to have some extra cash for the holiday season. ECU is providing the opportunity to skip your November, December or January loan payment with a $10 donation to support TARC.
TARC is a local nonprofit organization formed to help Topeka area residents with developmental disabilities. In order to qualify for Educational Credit Union’s Skip-A-Payment program, your loan must be in good standing. Interest will accrue on your account and will extend the term of your loan. You may only skip the payment on one of your ECU loans.

To skip your November, December or January loan payment, simply fill out the form below, and mail or drop it off at any ECU location. Mortgages, home equity lines of credit, and VISA credit card payments are NOT eligible. TARC is a nonprofit organization whose mission is to provide service, support, advocacy and community involvement for children and adults with developmental and related disabilities in Shawnee County.

Your donation is greatly appreciated and helps provide local residents with vital services. Visit TARC’s Winter Wonderland this holiday season. To volunteer with TARC or for more information log on to www.tarcinc.org


I see 2 issues here, one is pro and one is con:
1. If I do skip a months payment, it will set me back by $115-$120 in interest charges that will continue to accrue, during the month.

2. If I skip a month, I could apply that payment(about $400) towards my credit card, and get my credit card debt cut in about half. Which would make it easier, to attempt to reach my goal of having the card paid off by Dec. 31.

Everyone has an opinion, and I love hearing from you, while I may or may not disagree with you I find your thoughts interesting. I read every comment, however, I do delete the ones that I consider comment spam.
Am I stupid, for considering this option? Or is taking the skip a great idea?

Fun or Major Breakdown

So recently payperpost created the Postie Patrol. They even posted a video here. It looks like a lot of fun, but it is easy for them to go to someplace like San Francisco, but what about Topeka, the only airline that comes here only flys between here and Las Vegas, although, there is the posibility Orlando will be added next year. Or what about a "postie" that lives in my childhood home town of La Cygne, KS, a town of 1200 people and no airport. Not even a bus or train terminal. But I digress.
It looked like fun, and I congratulate Victor for his ingenuity, in finding some of the items in the scavenger hunt.
What? You say you don't know what PayPerPost or a "Postie" is? Well a "Postie" is not a flake from a box of post tosties. PayPerPost is a site, whose members get paid to blog and those members are called Posties. The site tries to have fun with both it's members and advertisers, forming kind of a community, but it's not all fun and games as you can see in this video blog post.


Wednesday, October 25, 2006

That Helps the ol' Budget

Well, I took a look at my bank account online tonight, and seen a nice surprise. A deposit of $113.10 had been deposited in my account by Google Adsense. While I knew I would be getting the cash, I wasn't expecting it until next week between Tues the 31st and Sun. the 5th. Even a look at the Adsense website says that the payment is still pocessing.
I am just happy as a lark here, now if I could just get about 10 more of those. Unfortunately October appears that I will be lucky to earn $30 for the month. With those kind of results, I will have to wait 3-4 months before seeing my next adsense check. Don't get me wrong, I am grateful, I just need $1000 by Dec 31.
While I am using payperpost and Blogsvertise as part of my income generation efforts, I feel uncomfortable accepting some of the offers, so out of conviction, I skip a lot of them. Still though getting the bills paid down can be difficult. I do have some thoughts to finally get rid of the credit card payments by the end of the year, as has been my goal, but that's another post.

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Something most everyone that reads this blog, knows about me is that I love to talk about personal finance. However, something most of my readers don't realize is that I also love trivia. Yep, that's right, I said, I love trivia. One place, I get my fix for my trivia is this trivia blog.
Everytime, I read this particular blog, I learn something new. For example, did you know?:

1. The Eiffel Tower stands 986 feet high! Add the antenna for a whopping total of 1052 feet.

2. Only one worker was killed during the construction.

3. The Eiffel Tower weighs seven thousand tons.

4. The Eiffel Tower is painted once every seven years and it takes 50 tons of paint to complete the job.

5. On a clear day visitors can see more than 40 miles from the tower’s top.

6. The base of the Eiffel Tower covers two and a half acres of land.

7. There are 1,665 steps from the bottom to the top of the tower.

8. The first televised transmission from the Eiffel Tower took place in 1957.

9. The Eiffel Tower was inaugurated on March 31st, 1889.

10. The tower was named after Gustave Eiffel, the contractor.

or how about?:

Did you know that the famous author Ernest Hemingway was a cat lover? Hemingway had more than thirty cats at his home in Havana.


I highly recomend this site for all my readers, who love trivia as much as I do. And that's no bull either, I really do like this site and recomend it.