Volkswagen Car Insurance

Tip #7 - Create a âNo Spendingâ day once a week

2009-01-25T22:03:00.001-08:00

This is tip #7 of the Save $1,000 in 30 Days Challenge. Todayâs tip is to set at least one day per week on your calendar when you donât spend one dollar. Do you think you could do it? Technically, even if you donât open your wallet, youâre still spending money on things like rent/mortgage, car insurance, subscriptions, and Christmas gifts â" you just didnât count them. But thatâs even more of a reason to create a âNo spendingâ day on the money in your wallet: because you can actively contro

suffered from auto accident?

2009-01-25T16:03:00.001-08:00

If you have suffered from an auto accident, well you are not only entitled to collision damages but also claims to the Diminished Value of your vehicle. Diminished value or DV can be defined as the loss of financial worth of a vehicle due to damage. There are different types of Diminished value which I will have to leave it to you for research. Well, in simplest term you canât sell your car with its market value. OK, granted because no one will ever buy a vehicle that went through an accident a

Are You Wealthy Yet?

2009-01-25T10:10:00.001-08:00

by: Al Walker Hereâs a real simple way to become wealthy. Marty and his wife live at home with their 2 children. They own a 3 bedroom house in a middle class neighborhood and try to live within their means. Marty works full time in the Printing Industry, while his wife is in charge of the home and looking after the children. Theyâve accumulated some credit card debt and have 2 years left on a car loan. They try to stay out of debt as much as possible and together theyâve managed to con

Get Protected On the Road

2009-01-25T10:03:00.001-08:00

It's more than a month now since I got my DL and start driving. After my car insurance was running for 5 months while the car was just setting in the parking area, I finally use it. Personally, I believe that having car insurance is worth it. You will never know what will happen to you or with your car while you are on the road or even when it is just parked. Having car insurance will help you save hundreds if not thousands of money in case accidents of whatever form happens. In Texas, having n

I don't even make ten

2009-01-25T04:10:00.001-08:00

I don't even make ten dollars an hour. I have two kids left at home. I have a car that's not worth anything,so the insurance is cheap. I buy my clothes at garage sales or thrift stores. I never leave town,and pretty much just drive to work and back. I did forget to mention that I get ninety dollars a month for child support. I was fortunate to be able to help build myself a habitat home with many other wonderful volunteers. I have mortgage payments for the next twenty years,but am so thankful t

What Are The Best Keywords To Target For Google Adsense?

2009-01-25T04:03:00.001-08:00

There are a lot of keywords out there but some of them just arenât worth it. Iâve decided to check out some of the best keywords or niches to target for Google Adsense so you can increase your revenue in price-per-click. In my experience, certain niches will simply make you more money if you do it right. And when I say âdo it rightâ I mean using Adsense as your source of revenue and organic or search engine traffic as your âcustomerâ letâs say. Iâm sure all of you guys know that the âMake M

I Was In An Accident, Will My Car Insurance Rates Go Up?

2009-01-24T22:10:00.001-08:00

You were on the phone, got distracted and before you knew it traffic had stopped, giving you no room to stop and you rear end the girl in front of you. Or, let''s say you''re driving along and a deer jumps out and rams into the side of your door. Now, let''s say you need to file and claim and get your car fixed. But, are your rates going to go up? In the first case, more than likely they will depending on how much your insurance company pays out to fix both cars and medical bills if anyone was i

How to Donate your Vehicle

2009-01-24T22:02:00.000-08:00

Do you have a car that is no longer running or has seen better days?Â If so, donât take it to a junk yard, instead try donating it!Â Donating a vehicle is very helpful to others and can be a benefit to you as well.Â When you donate a vehicle you will often find that you get a tax deduction.Â Donating is a great thing to do and many charities today are collecting them!Â So how do you donate a vehicle?Â Find a charity that you want to donate to.Â Â Once you have someone to donate your car to cont

If you were a chick.....

2009-01-24T16:10:00.001-08:00

who would you sleep with?? I watched step brothers last night and I meant to ask this to every dude I can, (Mainly because my girl wheedled it out of me!!) I mean, for all the TFP men out there, if by some reason the disease that turns people into feeding zombies in resident evil goes wrong and instead turns all men into women, we'd all be raging lesbians squatting over a mirror for the first 1/2 hour of our days, but just saying, that we do turn into women...... I would (with great diffic

Getting Organized for Travel

2009-01-24T16:02:00.000-08:00

Before you go on holiday it is important that you organize and plan carefully, to avoid common problems and ensure that your holiday runs smoothly. Here are a few essential issues you will need to sort out before you set out for your holiday: * Passport - If you are travelling abroad you will need to make sure your passport is up to date, and has more than 6 months left before its expiry date. If you need a new passport you must organise this well before your holiday, as you will not be able t

Spending and Saving Questions are Answered by Our Budget

2009-01-24T10:10:00.001-08:00

I hear a lot of people complaining that budgets donât work. Theyâre too hard. Theyâre too complicated. It sounds like a lot of work. Iâll be fine on my own. I also read stuff like why you donât want a budget. While I generally agree with the sentiment behind this post â" learning to live simply â" I definitely think everyone needs a budget. Step #1 of my No Debt Plan is creating a budget. Creating a budget helped my wife and I stop living paycheck-to-paycheck. It truly changed our financial liv

Better Be Safe and Secured.

2009-01-24T10:03:00.001-08:00

In this times when everythingâs so indefinite, being secured at all times is necessary for oneâs own protection. There are a lot of ways on how to secure oneâs future and the most common and useful of which is an insurance. I have my own life insurance and hubby also has his. Asher and I are also covered with a health insurance from Paulâs employment. Then our beloved and ever reliable Nissan Green Machine is also insured. Itâs not actually being negative or worrisome of any bad happenings but

3 Quick Ways To Save Money

2009-01-24T04:10:00.001-08:00

If youâre in or near retirement, the performance of the stock market probably has you rattled - thatâs perfectly normal. The best thing you can do is reduce your expenses as much as possible so that you can let your investments, those investments that have lost quite a bit of value, stay in your accounts for as long as possible. Here are five quick ways to save money. Carpool: Fuel prices have come down a lot lately but carpooling is still one of the easiest ways to save money. By not driving,

How To Speeding Ticket

2009-01-24T04:03:00.001-08:00

I hate speeding tickets but I love driving. While driving in general is not that exciting, driving fast is. There seems to be a problem with it called speeding tickets. Nothing can alter your driving mood like the infamous traffic ticket. Thatâs why I pay much attention to contesting traffic tickets. I know I am not the only one who has gotten one of these âinfractions.â They are unfair for the most part. Like once I was taking on a road trip with my friend and I got pulled over for going 65 i

Why We Like Seth

2009-01-23T22:10:00.001-08:00

Why We Like Seth Submitted by Ray Murphy on Thu, 01/22/2009 - 3:39pm. Philebrity has a funny post about the YPP fundraiser for Seth tomorrow. And it inspired me to share some back-story on this blog's relationship to Seth Williams. First here's what Philebrity had to say: YPP is throwing [a dance party] for Williams at the Khyber, and the more we dig around on Williams, the more we feel like, what do they know that we donât? To be fair, weâre sure itâs a lot. Yes Joey, we do know more than

Baby Car Seats

2009-01-23T22:02:00.000-08:00

As fascinating as it can be, haven a baby is need a lot of care and plan. This is because baby is a delicate thing that needs to be always monitored and kept in the safest condition. Baby has a natural character of curiosity and active. Those combinations will make it a very potential object of danger. The best way to protect your baby is by making sure it is fully protected in anytime and anywhere including when you take it traveling in a car with you. Baby car seat is the answer for your ba

Protect your assets without long-term care insurance

2009-01-23T16:10:00.001-08:00

In the past few years, it seems like unplanned health catastrophes have ripped many families apart. For Nolan, it was the loss of two grandmothers and a best friend. For Mark, it was the loss of a mother-in-law and a favorite uncle. For you, it could be a spouse, a sister, a child or another loved one. It seems like we have all seen the devastating effect a health care crisis has on a family. So we are amazed at how many smart people we talk to that have done nothing to plan for a health care

Q A: Round Two

2009-01-23T10:10:00.001-08:00

Here is round two of the Q A..thanks to all of you for the great questions! Molly asked: âNow that you are living âlargerâ than before (though still not âlargeâ by any means), how do you resist the temptation to over accumulate?â The one thing that keeps my desires to buy, buy, buy in checkâ¦is staying on a cash budget. I mentioned this in the last Q A post, but itâs worth saying again! When I have an exact amount of cash that I can spend that week, I turn into the most frugal g

22 Days Into the Year

2009-01-23T10:03:00.001-08:00

Time to update the list, I think. It's been awhile!Reading: I just picked up the newest issue of Somerset Life. So far I have only paged it to look at all the wonderful photos, but I plan to have some sit down time to read the articles. I also peeked at the premier issue of Stuffed and I think I want to buy it on Friday when I am near a Chapters. It's got some adorable things. Things with button eyes which are so charming.Listening: Right now, I'm spending alot of time listening to my iPod thr

Suggestions for the Super Bowl

2009-01-23T04:10:00.001-08:00

Iâd like to see a Super Bowl without the fighter jetsâ¦ All screaming âcross the super sky, and while weâre at it, letâs Eliminate the similes where football is like warâ¦ For, heaven help us, we have got the real thing, and whatâs more, Iâd like to see the end of celebration of the game As something patriotic, a conception thatâs as lame As any battered player hobbling on a rebuilt kneeâ¦ Whoâs trying to convince the league to take a look and see That though heâs fifty, he should get some

Auto Loans For People With Poor Credit - Buy Your Dream Car

2009-01-23T04:03:00.001-08:00

How to Get a Bad Credit Auto Loan Are you an individual who just so happens to have what many of us refer to as the dreaded and frustrating bad credit? Well there is no need to sweat it any longer; you do not have to feel like you are the only one. Unfortunately in our society today, there is a large number of other individuals who are in the same boat as you are. One of the frustrating parts of having to deal with bad credit is the fact that it is generally quite a bit harder to be able to sec

An elderly couple's dilemma: how to pay healthcare bills

2009-01-22T22:10:00.001-08:00

Please help us, the e-mail from this older, suburban couple implored. They donât want me to use their names. They donât want their friends and neighbors to know how bad off they are. Sheâs in sales; he was in financial services before he was fired last December. Both are 61, only a few years away from retirement. Who wants to hire an older man when they can find a young one eager for a job at half the salary? No one. Heâs made it his business to work every angle he can think of. But so far,

Queerantine

2009-01-22T22:02:00.000-08:00

Queerantine Tuesday was on of those days when you try everything to get out of the door but it seems almost as if the Universe refuses to will a speedy departure. You see, I was trying to get out of San Diego by 3 PM and on my way to LA for the Queerantine party and red carpet event. I had just gotten into my car for the first time in over week. In order to pass my smog inspection, I had to take it in and replace a cat converter and fluids (not to mention change half a dozen lights and rep

Unfare

2009-01-22T16:10:00.001-08:00

So taxi fares went up 8% today.Â At least they would have if the people that be could sort the bloody process out a bit. 8% wage increase eh? So to get this increase, a taxi driver must first drive into the city, pay an arm and a leg to re-calibrate the machine, then drive back to an NCT/SGS place and get the meter âfixedâ or âsealedâ or whatever it is they do to get the machine legitimized, forking out the end of the hard-earned penny-jar to do so.Â TAT embarked on this increadible journey

How To Handle Car Insurance Claims

2009-01-22T16:03:00.001-08:00

Having a car accident is one of lifeâs least pleasant moments and your day is about to get worse.Now you need to call your insurance company and file a claim.Many people are apprehensive about filing car insurance claims because of all of the horror stories they have heard over the years, such as your premium rate will skyrocket if you ever have to file a claim or that the insurance company will do everything in their power not to pay.Â Never fear.If you have chosen a reputable company to do b

Head First Algebra

2009-01-22T10:10:00.001-08:00

Contrary to popular thought, algebra is not just a headache: it is solving for the unknown. âAlgebra is about finding the information youâre looking for by using the information you already have,â explain Tracey Pilone and Dan Pilone, authors of the newly released Head First Algebra. âThe unknown could be the cost of a car loan, the quantity of soda you need, or how high you can throw a water balloon. If you donât know it, itâs an unknown.â So, are you tired of struggling just to get a C- in y

Aligning Your Cashflow

2009-01-22T10:03:00.001-08:00

Tons of people have been writing with questions similar to this on from EM: Iâm usually a really organized person but struggle with ways to get the cash flow organized well with the money coming in at different times. Iâm paid bi-weekly and my husband is paid on the 15th and 30th of each month. When I look at the monthly numbers, we should have a surplus of cash but many of our expenses (childcare, RRSPs, life insurance, car payment etc) come out at the beginning of each month and Iâm feeli

Oh, Really? Study Concludes Alcohol Hinders Athletic Performance

2009-01-22T04:10:00.001-08:00

Hey, has anyone out there drank alcohol before? Ha. Of course you have. (Apologies to our Mormon, Inuit and Amish readers.) Have you noticed that if you drink and drink a fair amount, that the morning after you may feel a bit dehydrated, a bit out of sorts? Yes, of course you have. Itâs sort of like knowing the world is round or that you can save 15 percent on your car insurance by switching to Geico. But, a professor in New Zealand took some time out of his schedule recently to study the affe

When To Use Your Emergency Fund

2009-01-22T04:03:00.001-08:00

I was having an interesting discussion at work the other day, followed by reading a similar topic on a fellow pf blog, and felt like discussing it here to see what you guys think. One of my coworkers just bought a brand new car. She had previously owned the same car for almost 10 years and was ready for a change. She prepared by saving up for the down payment and really did a lot of research into the car that she was interested in. Plus, because my company works with most of the dealerships he

Health Insurance: Is your employer paying its part?

2009-01-21T22:10:00.001-08:00

One of Mâhijitoâs good friends, a young newlywed who had just purchased a car, was sideswiped by a fifth-wheel while he was on his motorcycle. Because he was wearing a helmet, the young man survived. However, heâs lost a kidney and his spleen, and he broke three vertebrae. Heâs still in the hospital, a very sick puppy indeed. As you might surmise from the fact that he and his bride qualified for a mortgage in these tough times, he had a good job with good benefits. Or so he thought. Well, co

WHS Ad - January 21, 2009 - Please Adopt Me

2009-01-21T22:02:00.000-08:00

Roxy 171810 Roxy is a fabulous 8 year old girl. Roxy is such a great catch â" she is such a lovely dog. Donât let her age fool you, Roxy has a lot of energy and will need regular exercise to keep her happy and healthy. Roxy has lived with another dog in the past and is expected to do well with dogs, after a proper introduction of course! Roxy has been on a car ride while she was with us and she loved that too! We think she would do best in a home with kids 10+ and one without cats, she loves t

Unorthodox Ways to Save Money

2009-01-21T16:10:00.001-08:00

There are a lot of âfrugal zealotsâ out there who already know just about every money-saving trick in the book. I didnât want to rehash the same old tips, so I came up with a few that are a bit unorthodox. You might have thought of theseâ¦ and maybe not. I hope they will at least get you thinking in new directions. Unorthodox Money-Saving Tip #1: Stop Cleaning Your Ears with Cotton Swabs Hereâs what it says on the side of a box of Q-Tips (a.k.a. âcotton swabsâ): Do not insert into ear. The re

Modern Day Cars, Perhaps Future Classics

2009-01-21T16:02:00.000-08:00

Itâs anyoneâs guess really as to which vehicles of today will become the classics of tomorrow. However, there are many factors that make it easy to make predictions. Many of the modern day cars currently on the road will not end up anywhere down the line but in the junkyard. But a handful of them will end up classics that are worth plenty when they are several decades old. If youâre not sure if your car will be a classic, there are a few sources you can check to see what the pros think. There

Raindrops Keep Falling On My Window Pane

2009-01-21T10:10:00.001-08:00

Itâs raining back in Sabah, at my parentsâ place particularly. And some other parts in Sabah, itâs actually flooding! But here in KL, there was so little rain, so many hot suns! But not right now. Itâs raining cats and dogs over here.. and Iâm all excited!! I think Iâm gonna do my laundry more often these days - because I know my laundry activities will induce rain. Hahahaha! Anyway, for those of you whoâs wondering where am I or what happened to me after that sort-of emo post I made, Iâm do

Why I Drive a 13-Year-Old Car

2009-01-21T10:03:00.001-08:00

This is a guest post from Joel Berry. I recently had a talk with a friend about why I havenât purchased a new car. He canât understand why I still drive a 1995 Geo Prizm. I can afford to buy a new car, but I choose not to. The fact is, driving an older car saves me money! To prove my point, I ran some numbers. I was surprised by how much money Iâve saved by driving this car for so long. Used vs. new I bought my Geo Prizm in 1995 with 5,000 miles on it. It now has 140,000 miles on it and st

FunnyÂ Business

2009-01-21T04:10:00.001-08:00

Thereâs actually a good story about how I came upon todayâs topic, but Iâm going to save it for another post. (Just remember âCompany A.â) For now, I want to zip right on to the silly stuff! Or letâs put it this way: Given the proposition that recruiting should express a companyâs personalityâ"how do you deal with a corporate image thatâs quirky, or even downright comical? Should you embrace the humor, play it straight, or go somewhere in between? (And in case youâre thinking âif only that wer

looking for quotes

2009-01-21T04:03:00.001-08:00

we were suppose to go to Divisoria today, but unfortunately i forgot that the car is coding day - 3 for tuesday. oh my! so i suggested that if my mom wants we can still go, commute way. since there are many vans and suvâs that are available for rent from divisoria to cavite. but mom refuses the idea, since we need the car readily available for us after buying things from one store to another, baggage counter in other words! so it was canceled, maybe in the first week of november we will go. a

'House Heal thyself

2009-01-20T22:10:00.001-08:00

Empathy - the ability to understand and share the feelings of another - is not exactly one of House's strong points. But it seems he has a soft spot for those with chronic pain. The POTW is Jeff, a suicidal 32 year old with a wife and a son who tries to take a nap in his running muscle car while parked in the garage. It seems 7 specialists in 3 years haven't been able to find a reason for his ever increasing pain. House's pain is steady as ever, but is compounded by the fact that his fiscal b

Nikkai In-Car Journey Recorder for taping the Road Ahead

2009-01-20T22:02:00.000-08:00

When I was on the road to Vegas for CES, I wished I had some sort of video recorder so I could just speak my mind and write about it later. It would have definitely saved me some time and would have made the trip a lot less boring. On a somewhat related note, Nikkai has created the In Car Journey Recorder, which is the inverse of my idea. Yes, the In-Car Journey Recorder is designed to affix to the windshield to record the road ahead, not the driver. It uses a 1.3M CMOS image sensor, which ca

Day 18, Where I Blow Up My Vehicles

2009-01-20T16:10:00.001-08:00

At the time of this post, just slightly over 24 hours left till Justin comes home. After dropping the kids off at school (yay! another good drop-off!), I ran over to my insurance estimate office to get a written estimate on the damage to the truck. On my way home, I swung by the body shop to get the truck scheduled for itâs *gulp* $700+ repair and a rough estimate of length of time for repair (âat least four daysâ is what I was told). As Iâm heading home, I call Goodyear to see if they can tak

Babyâs Got aÂ Boo-boo!

2009-01-20T16:03:00.001-08:00

Baby Blue has got a boo-boo!We had light snow all day, just coating the ground. As we headed home we came up upon a state plow/salt truck who was doing its thing. I decided to stay behind it. I figured it was safest there.About a mileâs distance later, I saw a sedan coming in the opposite direction. For whatever reason the driver lost control of her vehicle as she passed the truck and headed straight for us. I headed for the narrow shoulder, but I was unable to out manoeuvre her. She hit B

Chana Era CM8: Malaysiaâs cheapest MPV

2009-01-20T10:10:00.001-08:00

2009 is the year of the MPV. The big two are the Proton MPV and the Perodua MPV thatâs set to launch at different times this year, but before any of them manage to get in the showrooms comes the cheapest MPV in the market, the Chana Era CM8. Now letâs backtrack a little - those of you who have been following this blog for a few years now may remember this vehicle being spotted a few years ago, in June 2007 to be exact. The CM8 was spotted in Subang Jaya with trade plates. Even before that in

Finding cheap car insurance

2009-01-20T10:02:00.000-08:00

While my dad and I are in the car, we were talking about when I can have my own car. He said that I will be able to have my own car if I will get good grades and after I graduate that I will need it for my work. He told me that owning a car means another responsibility. He also added that this requires a lot of things to prepare like learning how to drive the car, learning those traffic lights or signals, passing the exam to get my license and having my own car insurance. My dad told me that h

It Never Was There

2009-01-20T04:10:00.001-08:00

Iâm like a lot of people I know.Â We may be very different from you and those you know.Â But weâre familiar to ourselves and to each other. Iâm one of those people who tried to get There.Â There isnât a place; itâs a status.Â Itâs a moment.Â Itâs hearing that someone told someone else that you have âone of thoseâ and they should see it.Â Maybe itâs the big TV or the cool cappuccino machine.Â Maybe itâs a boat or an SUV that costs more than the average American home and is only 3 square fee

A BMW? Or A Civic Plus A Ferrari?

2009-01-20T04:03:00.001-08:00

A few years ago I came up with the idea that buying a fancy car can be a real waste of money. Even if you are a âcar guyâ (like me), chances are that 360 days of the year you use your car to simply get you from A to B. Perhaps at most, you might go for a Sunday drive or a weekend road trip and really want to enjoy the sight and sound and visceral feel of a highly tuned car, maybe you want a âcarâ for a handful of days per year. That being the case, instead of buying that BMW (or whatever), ma

Worst TV Shows

2009-01-19T22:10:00.001-08:00

Â This week, CBS canceled its bankrupt casino drama âViva Laughlin,â which some have called one of the worst TV shows ever. Which got us to thinking. Here, then, is our list of The 25 Worst TV Shows Ever. Let the debate begin. âYouâre in the Pictureâ (1961). Jackie Gleason appeared in a prime time quiz show, but it was so bad the quiz format was dropped after one airing and it became instead a short-lived talk show. Even Gleason knew it was bad: âIâve seen bombs in my day, but this one made t

What to buy in November

2009-01-19T22:03:00.001-08:00

Happy November thrifty people. Letâs see whatâs cool (and less expensive) to to purchase in November. PS my birthday is this month, so itâs a good month for my pals to shop :) - Just kidding. Toys are a great November buy, with stores gearing up for holiday purchase, they lower prices - right now. Wait too long, and youâll be paying last minute holiday toy prices. Health insurance is usually open enrollment during November. That also means if you already have a plan itâs a good time to fine

What to buy in November

2009-01-19T16:10:00.001-08:00

Finance blog, why has nobody done this yet?

2009-01-19T16:03:00.001-08:00

There is a huge opening in the UK for somebody to build a market leading finance blog and itâs just a matter of time before somebody decides to take the plunge. Google likes to see diversity in the search results so to have a blog ranking for âloansâ, âcar insuranceâ and âmortgagesâ wouldnât cause them any problems. The key would be to hire expert writers from one of the leading finance publications as well as a PR company that was able to get the site into the mainstream media. Top this off

Finance blog, why has nobody done this yet?

2009-01-19T10:10:00.001-08:00

Mommies. Cars. Travels.

2009-01-19T10:03:00.001-08:00

For a perfect summary of the great fun stuff that Josie and I were up to in Palo Alto last week, please check out Cecilyâs post about how great the folks, bloggers and employees, at 23andMe were. One of the things I enjoyed the most about the experience was the combination of how down to earth AND excited about their work that everyone we met was. We met some Silicon Valley VIPs while we were there, and in addition to talking about their work, they also wanted to talk about their kids, our kid

Compare Insurance Quotes

2009-01-19T04:10:00.001-08:00

Are you going to have your first car? Well I think you should think about things you need to know first. You need to learn how to drive of course. You can attend to different driving schools in your place. You also need to have your own license to be able to drive your own car. And also, the most important is by having your own auto insurance. What is this auto insurance? Then it is simply an insurance that will protect you in cases of unwanted accidents. This will protect you from future losse

@$$ drivers

2009-01-19T04:03:00.001-08:00

Have I told you how many @$$ drivers I've met lately?PLENTY!I'm just so irritated by the way the drive. Of how reckless they are on the roads, caring less for the safety of others and themselves. They just want to get ahead of you, even if it means, saving few seconds. How inconsiderate! The past week itself, I've seen not one, but a few accidents on the road - one being the major serious one, where the car overturned upside down! Yes, I know you may be late for your appointment and may be speed

Skip Hire Romance

2009-01-18T22:10:00.001-08:00

by Candy Fishern Until a month ago, I found it a tedious chore to remove excess waste and rubbish. A fantastic method has recently been bought to my attention. My journey began when a drunken maleâs journey ended. After crashing his car into my brand new garden wall, I was left with bricks all over my new landscaped driveway. I couldât believe my luck, a man wearing nothing but a trench coat crashes into my wall and doesnât have any insurance to pay for it. He then proceeded to exit his veh

Want to Stay Home with Your Kids? Cut Cost Learn Budgeting

2009-01-18T22:02:00.000-08:00

By Tracy MartinBudgeting is a crucial component of being able to quit work so you can stay home with your children. It is also your key to financial freedom and peace of mind. Creating a budget forces you to take a hard look at your finances and how you are spending your money. Creating a budget can force you to re-align your priorities and bring them back in line with your values. Creating a budget forces you to take a hard look at your debt. You can learn a lot about your self by examinin

When Is The Last Time Youâve Reviewed Your Budget?

2009-01-18T16:10:00.001-08:00

After yesterdayâs post about making debt reduction a New Yearâs resolution (and after emailing the HBHW newsletter list about it as well), the emails kept pouring in. Iâm so excited to hear that so many of us are making it a priority in 2009 to reduce the amount of money we owe. Whether itâs paying of credit cards, a car loan, mortgage or setting some more money aside as an emergency fund, for college or for retirement, we a lot more likely to succeed with a plan. And that plan should include

How to Pay Down the Mortgage

2009-01-18T16:03:00.001-08:00

If youâre one of those few families who are lucky enough to have found your way out from under the mountains of credit card debt that plague so many people. You may be wondering what your next financial step might be. Free from monthly credit card payments, you have the opportunity to tackle the largest debt you will ever have: your mortgage. You may be thinking that Iâve gone off my rocker. After all, who really pays off their mortgage? I donât know a lot of people who own their homes free an

Insurance as Investment

2009-01-18T10:10:00.001-08:00

There are a lot of insurances that we can avail of. My husband said that you can have everything you want as long as you can afford to pay for it. Just like me, I am paying a private life insurance which I can withdraw anytime. I also have a private accident insurance. We are also paying for the insurances for our car, house, lawyer insurance and a lot more. I can't memorize exactly how many insurances we are paying. I believed insurances are also a form of investment. I am just not sure if my h

I know we'll have to purchase a new vehicle soon... like it or not

2009-01-18T10:03:00.001-08:00

Our car situation is going to need some deep thought here fairly soon. I wish we would have acted on some of these last summer, but honestly I was trying to push my husband into taking an active roll on this one and thought that perhaps by me completely letting him take the reigns it might get him to step up to the plate. The plan was to get our daughter or my husband a decent, newer vehicle and pass her car to my son, my husbands car down to our daughter and have at least 2 reliable vehicles fo

Those I have lived withÂ andâ¦â¦tolerated

2009-01-18T04:10:00.001-08:00

I live alone. I love it. Growing up, I always thought that the boogey man would come and eat me if I was the only one in the house at night. Fortunately it turns out that I was just a neurotic child and that being the only one in a dwelling at night does not equate instant death by ingestion.What a relief.Toronto is an expensive city to live in. I pay out the ass for my awesome one bedroom, mid-town apartment. I worry about money a lot, mostly cuz half of my money goes straight to rent. I could

Insurance Quotes

2009-01-18T04:03:00.001-08:00

This April will be our last month to pay mortgage for our car. Then just the other night, hubby showed me the latest Honda. The car is simply admirable. A thought crossed my mind. What if we sell our old car to pay for this new carâs down payment? But then, I thought I would have to wait another 2 years or so again to be debt-free. I shouldnât be thinking of getting a new loan for a new car. It would make the purchase my dream house wait even longer. Besides, this May, we will have to renew th

Finance blog, why has nobody done this yet?

2009-01-17T22:10:00.001-08:00

I have a dream

2009-01-17T22:02:00.000-08:00

I had a dream last night, that was probably triggered by my last memory of reading Eclipse, which is probably the better of the 3 books I have gotten so far. Anyway. Without the usual mahjong session on a Friday night, I fell asleep at 10ish, before I could go on further with my reading. It was 12ish when I woke up today, and I am hoping the good rest would perhaps get me through 2009 with good health. With my plans to save up this year, I am reluctant to head out anywhere on a Saturday. *

RandomÂ Stuff

2009-01-17T16:10:00.001-08:00

Jump to CommentsYes, this is my second post today, but itâs after midnight, so itâs really Saturday.Â I just thought I would write something (mostly to avoid bed) because you guys know how bad I am about even turning the computer on during the weekend.Â I always plan to but it never happens.Â Okay, here are some random nothings.Shiloh had to have her finger pricked at the doctor today.Â She did so good.Â I was really proud of her.Â She didnât even cry.Â She kept watching them and looking upset w

How To Set a Good Financial Example for Your Kids

2009-01-17T16:02:00.000-08:00

by Steve Collins Do you grit your teeth when you give your children their allowance and it right away vanishes on candy and CDs? Do you feel like your kids have no idea of the value of a dollar or the importance of saving? Do you wish your children would learn to set a goal, such as putting aside their money for a big purchase? Family budget counseling could give you the edge you need. With family budget counseling, you will set a good example for your children. If they are old enough, you may

Health Insurance Is A Necessity

2009-01-17T10:10:00.001-08:00

by Ethan Kalvin If you are one of the millions who donât have health insurance because you think you canât afford it, you may want to rethink that. Consider the story of a lady weâll call Mary. On a typical drive home from work one night, she was suddenly hit head-on by a huge eighteen wheeler. Her car was turned into a mangled pile of metal and Mary nearly lost her life. Mary was lifted into an ambulance by paramedics and rushed to the hospital with multiple injuries. She suffered multiple fr

Three Spots I Enjoyed Most In Ilocos

2009-01-17T10:02:00.000-08:00

Three days is more than enough for one to appreciate the beauty of Ilocandia. Sadly, three days is not enough to experience and enjoy what the province has to offer. In that span of time, we managed to visit at least ten spots, tried some few local dishes, and met new friends. If my budget permits, I wouldnât have second thoughts going back to Ilocos. It is not easy to put in one post the entire experience and so let me start my series with the three spots I enjoyed the most in Ilocos. Bangu

Data Recovery: Beginners Tips

2009-01-17T04:10:00.001-08:00

by: Jeff Walters Right now you probably in a lot of mental pain, and all youâre concerned about is recovering your data as quickly as possible - so weâll refrain from comments on the wisdom of regular back ups. The time for preventative measures has gone - the issue at hand is data recovery. First - a simple tip could save you a lot of money. Take out your rolodex and get hold of your tech-savvy friends. If youâre in luck, theyâll offer to help, and if youâre really lucky, they might even hav

Car insurance is a pain

2009-01-17T04:03:00.001-08:00

In approximately 2 weeks I will be getting my license back after its suspension. This was due to me being careless and not paying a fine I had incurred almost a year and a half ago. The only bad part of this is that once I get my own vehicle instead of borrowing momâs I will have to be in the market for car insurance yet again. I really donât want to jump back into that area. Insurance is expensive and it hasnât been 3 years since my accidents and this very last ticket so they have to be counte

Towing uninsured drivers: Buy insurance or ride the bus ...

2009-01-16T22:10:00.001-08:00

Re: New answer needed for tow law, by L'Nae Hart, Wednesday Letters. I have been hit three times by drivers who had no insurance. It is unfair that those of us who scrimp and do without to pay for insurance because we are law-abiding citizens. We are asked again and again to foot the bill for people who choose not to insure their cars. I am sick of the chronic whiners and excuse makers who think that only some of us should have to obey the rules. Let them ride the bus. Nancy Dominguez, Rowl

Time to Make Some Changes

2009-01-16T22:02:00.000-08:00

In todayâs economy a lot of people are looking to save a few bucks, just too barely scrap by. I have seriously thinking about finding auto insurance quotes thatâs less expensive. Finding a reliable and known car insurance company is important. I like to go to place where I can get multiple quotes in one place. I have full coverage on my car because I donât want to be stuck with the repair bill for my car. Having a chronic illness and money being tight I keep the full coverage because I donât ha

Wild boar v. Peugeot 306. Double knockout.

2009-01-16T16:10:00.001-08:00

In a nutshell, if you value your life and are attached to your car not only via the safety belt, don't pick an argument with a wild boar - even a smallish one of some 75 kilos. Although the boar is unlikely to feel too fit after the encounter, the odds are that neither you nor your much-loved motor will be in the best of shape after the collision, with or without belting up.I wasn't driving my eleven year old Peugeot 306 at the time. A friend had borrowed it, and was cruising along a nearby main

Talk about âiRonicâ

2009-01-16T16:02:00.000-08:00

If there is one thing that really ticks me off while driving itâs someone swerving between lanes many times coming close to me in another lane as a result of them texting someone.Â Typically I use my hands free phone to make a call while driving and try to refrain from using my cell phone whenever possible but on occasion there is an exception. Like this morning for exampleâ¦ I was on my way to pick up one of my fleet accounts vehicle at Apple and so I thought I would give Arron a call and stop

My wife and I Entered the 1956 Oldsmobile in a Cruise-in and Took First Place

2009-01-16T10:10:00.001-08:00

I took a club-sponsored car show here in Cotati, California. It was run by the local Chief of Police by the name of Theodore Vireday. The Chief of Police is a motorhead from way back, having a small part in the film "Ya lyublyu tebya". A love of cars was developed over the years. I entered my 1956 Oldsmobile in the car show with the intention of getting a trophy. I spent 2 days getting the Oldsmobile. I had done my research on the Oldsmobile by going over to vin number checker for a check at

How Do I Take Charge of My Finances?

2009-01-16T10:03:00.001-08:00

Itâs not a pretty picture.Â Mounting debt can leave one feeling helpless and depressed.Â Your back is against the wall and you have nowhere to turn to for help.Â Sound familiar?Â A lot of us have or are there right now.Â But, there is hope.Â Here are four steps you can take to get yourself on the road to financial recovery and fast. 1 Track Your Expenses.Â You must do this first before you can begin to make wise choices about where your money is going.Â Write down each and every expense for a

Liz v2.0; I Will Be Impressed If You Get Through This!

2009-01-16T04:10:00.001-08:00

Itâs one of those things that happens, especially as a girl.Â You wake up one morning.Â You stretch.Â You yawn.Â You drag your weary body to your closet and open it.Â Then it happens. The internal scream. Every piece of clothing mocks you, as you look upon it with newfound loathing.Â How could you have ever bought any of this stuff?Â Were you drunk?Â And how are those magenta clogs ever okay? Okay, so I went a little far with the magenta clogs. Needless to say this morning I woke up and ha

Best of Tight Fisted Miser 2008

2009-01-16T04:03:00.001-08:00

Iâve highlighted one post for each month in 2008. This is kind of late because I wasnât going to do a âbest ofâ post but since my readership grew quite a bit last year most of you probably havenât seen these posts and Iâm too lazy to write an original post today youâre getting a âbest ofâ post. January- A Sample $1000 Monthly Budget This should provide people a guideline of how it is possible to live on a small amount. February- Concentrate on the Big ThreeCut your big expenses before you wor

7 Tips to Avoid a Speeding Ticket in Your Porsche

2009-01-15T22:10:00.001-08:00

Over the years, Iâve read a lot of different tips on how to avoid a speeding ticket. Most of the items mentioned are common sense. However, like anything, even the most simple things can be forgotten or overlooked if weâre not reminded of them. While there is no sure fire way to avoid a ticket if youâre breaking your local speed limit, you can greatly reduce your exposure by employing some or all of the following pointers. Hereâs my pick of the top seven tips, if used wisely, can help to avoid

I think I have a job

2009-01-15T22:02:00.000-08:00

I start tomorrow. â¦itâs complicatedâ¦ Three phone callsâ¦ very, very strange arrangementsâ¦ you can totally tell Iâm dealing with an attorneyâ¦ Iâll be training all weekend. Youâre not going to approve of the deal I agreed to, so I wonât spell it all out for you. But tomorrow Iâll be there 11a-4p. The rest of the weekend is still up in the air. They want me up to speed on Tuesday, since Monday is a holiday. Iâm not elated. I hate the salary I agreed to. But itâs $13,144 more than Iâm making on

A perfect time for PMS!

2009-01-15T16:10:00.001-08:00

Iâm glad that our family and friends are coming to visit us this weekend â¦ that way, they can feel my wrath! LOL! :) Just kidding. My PMS has become full force today, unfortunately. Iâve been impatient with the kids (which I *absolutely* hate â¦ I just apologized to both of them for my short temper). Iâm just trying to keep the house clean in preparation for everything going on this weekend, but itâs difficult. Thereâs a lot that I intended to do beforehand, but time just kind of slipped away fr

Do You Make These Mistakes With Car Insurance Policy?

2009-01-15T16:03:00.001-08:00

by Don Pedro You have to have insurance on your car before you hit the road. You could hit someone, another car, a tree, or something. Bad enough that you have to repair your car, you might need to stay with the hospital bills to. A simple car insurance policy can take care of all that, and way ahead of time. You won't know how important this is until something terrible happens to you when you are driving. Don't wait for such things to happen before getting car insurance today. Even if your po

Car-jinxed.

2009-01-15T10:10:00.001-08:00

On Saturday Graham called our car insurance company to make a change to the policy.Â When he got off the phone he gave me the update. âWeâve gone four years without a claim.Â Every year weâre claim-free we get 20% off our $1,000 deductible, so right now our deductible is only $200.â JINX. Yesterday I got into a fender bender on very slippery roads.Â I wasnât driving too fast.Â I wasnât on a cell phone or playing with the radio.Â I was watching the road. The car I hit was being driven, as I

Three Phone Calls, $590 Saved

2009-01-15T10:02:00.000-08:00

As we all hunt for ways toÂ save money these days,Â itâs easy to overlook the fact that sometimes ya just have to ask. In fact, by making a few calls to the companies behind our threeÂ biggest monthlyÂ bills, Sherry and I managed to save $590 for the coming year. Hereâs how: It started when we got a Comcast bill that was suddenly $30 higher than before. Seems the âtriple playâ promotion we were on (for our internet, cable and home phone) had expired and we were now paying regular rates. But as l

Right choice for your insurance car!

2009-01-15T04:10:00.001-08:00

âIf you own a car, you must secure your car with right insurance car.â Getting an insurance car would be a smart way to make your car more secure. When you have your car insured, you will feel more safe and comfortable to drive the car. But now the problem is how to find a right insurance for your lovely car? I found a place that has a low car insurance. You must visit Car Insurances Rates! With Car Insurances Rates, you will get free quotes for any vehicle, anywhere or you can get quotes f

What To Do After A Car Accident

2009-01-14T22:10:00.001-08:00

A few years ago, I was driving from one office building to another when a Dodge Durango ran a red light and totaled my car. I was fine, as the Durango hit me at a forty-five degree angle, but my car was destroyed. The passenger door was dented in, the front quarter-panel was crushed, the frame was bent, and the wheel was crooked on the axle. If that wasnât enough, both airbags deployed - my Acura Integra was kaput. I was fortunate in that accident because I wasnât at fault, the other driver was

Link Love and Free Shampoo

2009-01-14T22:02:00.000-08:00

**Donât forget to submit your DIY idea to our contest!Â I dropped this into my calendar to share with you all as soon as I saw it advertised. Today Only, Suave is giving a free bottle (mailed coupon for a free bottle) of shampoo to everyone who signs up. Hereâs how: Go to Suaveâs website and click Suavenomics link at the top of the screen. It will pop up a new window where you can request your free coupon for Suave. Expect your shampoo coupon to be mailed in 2 â" 4 weeks. Now, for another ins

Get Real.

2009-01-14T16:10:00.001-08:00

Get Real. Posted by Jenny on 01/14/09 in Daily, Friends Do you have any idea what itâs like to wake up in the morning and just be in pain? Joints so swollen it hurts to get out of bed? The only way to get going in the morning is a long hot shower? And to make matters worse, youâre covered in miserable, itchy hives? And when I say covered, I mean covered. Head to freaking toe. Why donât you throw in a few ambiguous cancer diagnosis? A decade of lupus? Mandatory meds up to here? How about a yea

Trying to not Stray to the Black

2009-01-14T16:03:00.001-08:00

I havenât slept well in the past few days. I have an extreme issue with insomnia (especially when worried). Iâve tried herbal sleep aids and they do help me fall asleep for a few hours, but I wake up every night at about 1 am and I canât go back to sleep. All day, tired, I am grouchy and lazy. Itâs a horrible cycle. I may try a nap today if Lyndon takes one.My worst fear is we will lose this place. That is the worst case scenario. I am hoping Srâs employers either get him some work or he finds

Everything from A to âWâ?

2009-01-14T10:10:00.001-08:00

With all the things that has been going on here lately I tell you it is enough to put anyone in a straight jacket! Over the last weeks with everything else placed on my plate we have had some family issues, we had a family member pass away, Richards father had a car accident and diagnosed with a serious health problem which we are all trying to manage, Richards mother is still not well and then there is the things with me and the legal system, yeah my hair is very grey right now! I have just

Why I Wonât Buy a BMW Again: Learn From Their Mistake

2009-01-14T10:02:00.000-08:00

About three months ago I bought a brand new BMW 3 series. Itâs a great car, drives like a dream and is so much fun to take out. It really is a beauty of a car. Iâm sure you now realize that Iâm a fan of BMW. What you might not have known is that, I follow their forums, recommend their car, and am a BMW member. But now, my loyalty to the BMW brand is being jeopardized because of bad customer service from JMK BMW in Springfield, NJ. The Story Two weeks ago while I was driving home I hit a larg

The Total Money Makeover Part 2

2009-01-14T04:10:00.001-08:00

We have looked at the outline and format of the book, so let's find out what Dave Ramsey recommends as the key principles for personal financial succes. The first step, according to the Dave, is to honestly face your current situation. Many people have no idea how far in debt they are or where their money goes each month. We think that all we need is more money and everything will be ok. That is a lie! The more money we get, the more most of us spend -- almost always spending more than we make

Saving Money On Your Used Car Purchase With Some Easy Ideas

2009-01-14T04:03:00.001-08:00

Saving Money On Your Used Car Purchase With Some Easy Ideas Shopping around for a car need not cost you an arm and a leg, even in the current financial situation. With a few straight forward tips, you can keep down the cost of buying your next car. We sell used cars in Southport and would like to offer you some of our helpful advice. 1) Look for a quality used car instead of a car straight off the production line. Brand new cars very quickly loose a lot of their value - as they are being dr

LiveBlog: Penske has the Power

2009-01-13T22:10:00.001-08:00

Your humble host has returned from a few a glorious days in the beautiful city of New Orleans. I'll spare you the details but suffice it to say you need to go and you need to go soon, because the lack of tourism seems to be hitting the city hard. In short order it will be turned over to pirates - dead pirates - which means a drunken Johnny Depp will stroll into town, drink all available rum previously used for Hurricaines and then all hell will break loose. This is a great town, but even Anne

Highlights of 2008: Wrecking our car

2009-01-13T22:02:00.000-08:00

Up until last year Iâd been pretty good at avoiding car accidents. I try to drive defensively, watch my speed (more or less), and aside from a fender bender that wasnât my fault its paid off in keeping me out of wrecks. All good things must come to an end, and that streak ended in November when I wrecked our minivan while towing an overloaded load of mulch. (And two days later I lost my job, but thatâs the subject of another post). If I had to total my car this wasnât a bad way to do it: with

Insurance Nightmare: Lawyers And Media We Want YOU

2009-01-13T16:10:00.001-08:00

If youâre an attorney or someone in the media hereâs a story that might be of huge interest to you. The name is changed, although we probably donât have to. Let me tell you the story about an entertainer namedâ¦.John. Once upon a time â" about a year and a half ago â" John was on a sound equipment run in a Rocky Mountain state. A friend of his and his wifeâs was along with him on the trip. Then, when he stopped his old 1950s-style car, he was suddenly hit from behind by a rented truck. His car

The Health Report, Year 3: Week 5

2009-01-13T16:02:00.000-08:00

Illinois would be a great state to live in if it weren't for all of the snow and cold. But for six or eight months, it's great. We've had twice the amount of snow this year that we had by this time last year, and it sucks. I live in DeKalb, and DeKalb doesn't really plow and they sure as hell don't salt the roads; if you want to see a plow you have to wait until either the snow has finished falling or even the next day so that the middle of the road will be kind of cleared off. Frankly, I'm sur

What You Must Know About Automobile Accident Lawyers

2009-01-13T10:10:00.001-08:00

by Don Pedro Car accident lawyers deal especially in cases that involve auto accidents. It might seem simple enough to you at first, but when the law gets involved, I guarantee you will not be able to handle it yourself. Hence the need for a car accident lawyer. Anywhere you find yourself in the United States, even if it is not your home state, you can always secure the services of a lawyer - even a car accident lawyer if you need to be very specific. Almost every legal firm has a department t

What You Must Know About Automobile Accident Lawyers

2009-01-13T10:02:00.000-08:00

What You Must Know About Automobile Accident Lawyers

2009-01-13T04:10:00.001-08:00

Music Advertising

2009-01-13T04:03:00.001-08:00

The intentions are good, but the results don't measure up. Say What?Using a song that was a hit as a theme for a radio or television ad, is not really the smartest thing to do. Now I've thought this for a long time and now someone else spells out the reasons why. From Adrants.com recently:Licensed Music Does More Harm Than Good For BrandsIn a yet to be published (we are told) letter to Advertising Age in response to its publication of the Top Ten Ad Songs of the Year, The Apollo Project's Paul

Volkswagen Car Insurance

Tip #7 - Create a âNo Spendingâ day once a week

suffered from auto accident?

Are You Wealthy Yet?

Get Protected On the Road

I don't even make ten

What Are The Best Keywords To Target For Google Adsense?

I Was In An Accident, Will My Car Insurance Rates Go Up?

How to Donate your Vehicle

If you were a chick.....

Getting Organized for Travel

Spending and Saving Questions are Answered by Our Budget

Better Be Safe and Secured.

3 Quick Ways To Save Money

How To Speeding Ticket

Why We Like Seth

Baby Car Seats

Protect your assets without long-term care insurance

Q A: Round Two

22 Days Into the Year

Suggestions for the Super Bowl

Auto Loans For People With Poor Credit - Buy Your Dream Car

An elderly couple's dilemma: how to pay healthcare bills

Queerantine

Unfare

How To Handle Car Insurance Claims

Head First Algebra

Aligning Your Cashflow

Oh, Really? Study Concludes Alcohol Hinders Athletic Performance

When To Use Your Emergency Fund

Health Insurance: Is your employer paying its part?

WHS Ad - January 21, 2009 - Please Adopt Me

Unorthodox Ways to Save Money

Modern Day Cars, Perhaps Future Classics

Raindrops Keep Falling On My Window Pane

Why I Drive a 13-Year-Old Car

FunnyÂ Business

looking for quotes

'House Heal thyself

Nikkai In-Car Journey Recorder for taping the Road Ahead

Day 18, Where I Blow Up My Vehicles

Babyâs Got aÂ Boo-boo!

Chana Era CM8: Malaysiaâs cheapest MPV

Finding cheap car insurance

It Never Was There

A BMW? Or A Civic Plus A Ferrari?

Worst TV Shows

What to buy in November

What to buy in November

Finance blog, why has nobody done this yet?

Finance blog, why has nobody done this yet?

Mommies. Cars. Travels.

Compare Insurance Quotes

@$$ drivers

Skip Hire Romance

Want to Stay Home with Your Kids? Cut Cost Learn Budgeting

When Is The Last Time Youâve Reviewed Your Budget?

How to Pay Down the Mortgage

Insurance as Investment

I know we'll have to purchase a new vehicle soon... like it or not

Those I have lived withÂ andâ¦â¦tolerated

Insurance Quotes

Finance blog, why has nobody done this yet?

I have a dream

RandomÂ Stuff

How To Set a Good Financial Example for Your Kids

Health Insurance Is A Necessity

Three Spots I Enjoyed Most In Ilocos

Data Recovery: Beginners Tips

Car insurance is a pain

Towing uninsured drivers: Buy insurance or ride the bus ...

Time to Make Some Changes

Wild boar v. Peugeot 306. Double knockout.

Talk about âiRonicâ

My wife and I Entered the 1956 Oldsmobile in a Cruise-in and Took First Place

How Do I Take Charge of My Finances?

Liz v2.0; I Will Be Impressed If You Get Through This!

Best of Tight Fisted Miser 2008

7 Tips to Avoid a Speeding Ticket in Your Porsche

I think I have a job

Tip #7 - Create a âNo Spendingâ day once a week

Babyâs Got aÂ Boo-boo!

Chana Era CM8: Malaysiaâs cheapest MPV

When Is The Last Time Youâve Reviewed Your Budget?

Those I have lived withÂ andâ¦â¦tolerated

Talk about âiRonicâ

Everything from A to âWâ?

Why I Wonât Buy a BMW Again: Learn From Their Mistake