November 2007

1 Million Memories Blog To Open

November 16, 2007 by Deb · 1 Comment

makegraphic 1 Million Memories Blog To Open 1 Million Memories Blog will open officially 31 December 2007. Get ready to enter your memory post and donate $1 to end Alzheimer’s Disease. Less than one double latte at “Starbucks”. Come on make a difference. Here’s To you all!

Tagged: $1, 1 Million Memories, Ad Words, Alzheimers, Google

1Million Memories Begins

November 14, 2007 by Deb · 1 Comment

makegraphic 1Million Memories Begins I am Walking the Web for Alzheimer’s Association-National and would really welcome your support. I’ve teamed up with First Giving, a leader in providing online fundraising tools to fundraisers and nonprofits, helping thousands of individuals raise millions of dollars for US nonprofit organizations.

My project is simple. $1 Million Dollars for Alzheimer’s research and education. You can help me. A $1 Donation from you will entitle you to a link back from the blog, a place where you can post your own memory, and a piece of internet history. Your $1 Donation will go miles for research and education in combatting this disease which affects one American every 72 seconds !

Tagged: $1, 1 Million Memories, Alzheimers, Credit Card, Money

1 More Thing You Can Do Today

November 9, 2007 by Deb · Leave a Comment

Add $1000 Or More To Your income This Month

If you’re thinking it’s impossible to get your income and expenses back in line, think again. Many people can add $1,000 or more to their monthly income with minimal sacrifice.

Take a second job and send those teenagers out to work. It seems like an obvious move, but many people under severe money stress freeze up like a deer caught in headlights and get mowed down financially. The pay may be modest, but the added income could prove invaluable to your financial survival.
Adjust your payroll-tax withholding to account for an increased mortgage payment. If your payment jumps $600 a month due to an interest-rate hike, that’s all deductible and will give you an additional $7,200 tax write-off for a full year. That’s a roughly $1,800 to $3,000 annual tax break — depending on your bracket and state and local income taxes — which means you could safely reduce your withholding $150 to $250 a month and boost your take-home pay that amount. The IRS reported in April that refunds issued for the tax year 2006 averaged $2,394. So taxpayers on average give the feds an interest-free loan of $200 cash a month. Since your tax exposure changes from year to year, I recommend consulting your CPA to determine how to bring your withholding in line with your anticipated liability.
Sell your late-model car and buy a reliable older one. If you have an auto loan costing $350 a month (or worse yet, two loans), you could apply the difference in the price you get for your car and the balance you owe to the purchase of an older vehicle, many of which now still look good and perform well with 100,000-plus miles. Not only will you eliminate the monthly payment , you also could drop collision and comprehensive insurance required by auto lenders if you can bear that risk, saving perhaps $50 a month more. If you own your late-model car outright, bank the money you raise after buying an older one and draw off it to drive through your cash-flow squeeze.
Get rid of your cell phones, high-speed Internet access and cable or satellite TV service. There was a time when we lived without these pricey nonessentials, for which many Americans pay $350 a month or more. If you’re locked into a cell-phone contract, don’t renew if it’s soon to expire. You can use one of the services on the web to swap out of your cell phone contract or just rid yourself of the bugger altogether. Cell Swapper and Cell Trade are two great sites. If not, bite the bullet and pay the early-termination penalties. As for an Internet connection, default to a $9.95 a month dial-up plan until your fortunes improve.
Increase your insurance deductibles. Many auto lenders allow borrowers to maintain collision and comp deductibles of up to $1,000. And many mortgage lenders permit deductibles of $3,000 to $5,000 on homeowners insurance. You assume greater out-of-pocket risk, but you could save $100 a month or more by raising your deductibles.

Tagged: Cell Phones, FREE, How To, Money, right, Your Money

Debt Collector Addresses Notice To “SH**FACE”

November 9, 2007 by Deb · 2 Comments

Collection agency addresses collection notice to “SH** FACE.” The letter begins, “Dear SH**…” Below a line where the debtor is supposed to sign, the pejorative again appears. Best of all, the debt is only $16.39, for Columbia House (purveyors of fine 1cent for 624,215 CD offers)…. Unreal.

Web Analytics for the Rest Of US!

November 8, 2007 by Deb · Leave a Comment

I have found the motherlode! Absolutely the best and easiest blog analytics widget ever! Its Clicky Web Analytics ! Its chock full of all the things a good analyzer should have and then there are literally tons more goodies. It even gives you your stats from your favorite RSS reader!