Archive for October, 2007

A Novel Idea

Posted By Twyla on October 27, 2007 @ 2:58 am

I have a learning disability called dyslexia.  I find that symptoms of dyslexia are often misunderstood.  People with this disability are often labeled as stupid, which is not the case at all.  And, in fact, until I did tests for dyslexia and was diagnosed, I also thought of myself as stupid.

My whole outlook on myself and life in general became a lot clearer when I was diagnosed and had a teaching counselor explain the symptoms of dyslexia as well as the treatments of the disability.  I was also amazed to see how much help is available to those who want it.

I have become a new person with a whole new outlook on life.  For the first time, I read a novel just because I wanted to and made it through without too many problems.

Did you give out my Number?

Posted By Misty Mountain on October 24, 2007 @ 10:28 pm

Lately, there seems to be a never ending stream of telemarketing calls to my house.  I don’t know what happened, but it never seems to let up.  Whether my number somehow got onto a list, or they just randomly dialed it, is really of no consequence – it is out now.

I have had so many different calls about so many things.  People wanting me to donate to causes I have never heard of, free trips to everywhere, and even calls offering home equity loans.

There were also some financial institutions calling me to see if I wanted to do a home refinance through them.  I also had another call about doing a home refinance so that I could roll my credit card debt into my mortgage.  GEEZ!

After this past week, I wonder what I can do.  I know that here if you ask them to take you off the list they have to, but there is still a large inconvenience in talking to all of these salespeople.  Maybe I should just change my number…

Frustrations of a Worker

Posted By Twyla on October 22, 2007 @ 8:03 pm

If you were to read the personal finance news of the not so-rich and not-so famous (people like myself) in the paper you would read that we struggle with mortgages and our car insurance.

We work our butts off, not to get ahead and get rich, but just to stay above the surface of the water.  And don’t think that me working my butt off is not making someone rich, because it is.  And chances are that the person you are making rich doesn’t have a mortgage that he is struggling to pay each month.

A group of co-workers was asked the other day if they thought they were smarter than their boss.  I was the only one who admitted that my boss was smarter than me.  When asked why, my replay was:

"If I am spending the winter here working 40 hours per week while he is spending his in Arizona, he must be doing something better than me, and therefore he is smarter."

Comparing Options When Dealing with MY Money

Posted By Twyla on October 21, 2007 @ 7:32 pm

When it comes to money, I don’t like to part with it.  I like to compare my options on absolutely everything related to money: the saving and spending of it.

I compare credit cards before I fill out the application.  That way I get the lowest interest rate, best features and the lowest fees.  You might also find that your bank doesn’t offer the best card for your situation – and chances are there is one tailor-made for you. 

Another thing that is important to do is a car insurance comparison at least once a year.  If you haven’t notices all the commercials on television urging you to compare or switch insurance companies, take notice.  There is a lot of competition in this area and almost every year I can save myself some money.

Lastly, I want my money to grow, or at least hold its own against inflation.  But I want the liquidity that a bank account offers.  So, periodically I look for the best savings accounts – and most of the time my bank doesn’t offer what I need.  I am not afraid to switch institutions provided it meets my goals.

If you don’t want to get so hands-on on your finances, hire a financial planner.  They can help you out with the nitty-gritties, but it doesn’t hurt for you to be a little informed – then you will know what you are talking about.

Looking Through the Mail

Posted By Twyla on October 19, 2007 @ 10:51 pm

Junk mail.  That is a fact of life, on the other hand: it sucks.  I don’t know how many trees die each year so that I can get flyers and other junk in the mail that ends up in the garbage (or recycling – though I would think that most people don’t take the time).

While I am on my rant here, I just want to comment on today: Friday.  It seems that it should be changed from Friday to finance day: 99% of the junk mail I get is finance related. 

Today the top of the pile here promises me the best credit cards are in the envelope.  I look inside and find that I am pre-approved for a 0% credit card that will do 0% balance transfers – catch is I don’t carry a balance on my credit cards.

Next in the pile is a cashback credit card offer from a local bank.  It only has a $99.95 yearly fee for a measly 1% cashback – I’ll pass.

And last but not least, here is the same offer I had last week – I am pre-approved for a minimum $5,000 loan – but I have to go down to their office within three business days to take advantage of it. Um… no thanks.

I feel sorry for the trees that died to bring me this mail.  It is too bad mailboxes don’t have spam filters…

A Little Bathroom Remodeling in Order

Posted By Misty Mountain on October 17, 2007 @ 8:04 am

I’ll admit it, our bathroom is kind of ugly.  Nothing like showing your friends your ugly green tub and toilet to make your friends laugh.  To be honest it is embarrassing.  What tops it off for us is the "nice" wood paneling – which is completely nasty.

We decided to go to our bank and see if we could get a loan for our planned renovations.  The night before we went to the bank, we looked online to compare loans and get an idea about what was available.  We printed off some of the more promising offers to take with us to the bank.

We walked into the meeting expecting to get a personal loan.  The thing is, we weren’t as educated as we thought.  It ends up since we own our home, we qualified for a secured personal loan which allowed us to get lower monthly payments and the bathroom we wanted.

Now we can show off our new bathroom, it is almost sad to see no green toilet anymore.  No longer ashamed, we feel more at home now.

Bad Credit Doesn’t Mean Bad Ending

Posted By Misty Mountain on @ 7:45 am

If you are suffering from bad credit, you may feel a little down.  It probably was easy to get loans and a mortgage before you ran into credit problems, but now it may be a nightmare. 

Just because you have blemishes in your past doesn’t mean you are not trustworthy now.  What has changed though, is you might have to jump through a few more hoops.  Or you might find that you pay a higher interest rate for mortgages and loans than someone with a good credit rating.

For those of you who are at the end of your current mortgage term and need to remortgage, you have a better outlook.  The thing is your lender has already leant you the money, so chances are they will do it again.  Just be honest and you shouldn’t really have any problems.  The only difference is that you may now pay a higher interest rate compared to what you used to, but with good behavior (making your payments on time) chances are you will be treated like other customers.  Bad credit remortgages are not as bad as you would think.

So keep your head up, keep making your payments, and life with bad credit won’t seem so bad – and with you good behavior, it won’t last forever.

Shopping for a Credit Card

Posted By Misty Mountain on @ 7:25 am

Have you ever tried shopping around for a credit card?  It seems that most people just get a credit card at their bank or their favorite department store.  By doing this, you can miss out on better deals or better offers by other financial institutions. 

What I want to do is challenge you to compare credit cards.  Take your card, find out what you get having it and compare it to other credit cards.

What does this do for you?

Not unlike buying a car, shopping around for a credit card not only shows you what is available on the market, but it gives you the opportunity to find a better deal.  For example, perhaps your current credit card is not a cashback credit card.  Would you like to get paid to shop?  You bet you would.

What I am trying to say is that if you don’t shop around, you won’t know what you are missing.  If you want a good place to start this process, check out the Internet.  Not only do all the credit card companies list their information online, but there are many websites online that allow you to compare credit cards side by side – how cool is that?  You can also apply online even at three in the morning.  Take the time, check it out, I am sure your wallet will be happy you did.

Promote Your Site With TNX

Posted By Misty Mountain on @ 6:33 am

Have you ever purchased text link ads for your website?  If you have, you must realize that it takes a large amount of time to get these types of relationships setup.  Not only do you have to make initial contact, but you have to spend a lot of time finding sites that would be interested in having your ad on their page.  What if I told you there is an easier way to do it.  Would you be interested?

Well if you made it here, I bet you are.  Let me share a little program that just started recently with you called  What they offer is a text link marketplace where you can buy links to promote your site.

How much does it cost?

Not a whole lot.  For as little as $20.00 you can buy links on over 15,000 pages.  So do you think it is reasonable?  You bet.

Speaking about a cash investment you don’t really need one.  If you want to try out the program without spending any money, they have a special offer to try out their text link program.  Click the link in the previous sentence to try it out.

If you want to promote your site for free, you can join their affiliate program and get paid when your affiliates either buy or sell advertising.  This can be a great way to fund your advertising program or even to put some extra money in your pocket.  Try them out, it’s free, and I am sure you won’t be disappointed.

Getting a Car Loan

Posted By Misty Mountain on October 15, 2007 @ 10:41 pm

Well, it is about time that I grow up and get a car.  My friends laugh at me that I need a ride, or that I need some extra time to take the bus.  Even though this ridicule is mean to be friendly, sometimes, it is depressing.  With that in mind, I have caved in and decided to get a car.

Since I have decided to get a car, I had to look at my budget and savings.  Not good.  You see, I do make extra money each month that I have been saving, but there is not near enough to buy a car.  Guess I will have to get a car loan to pay for it.

There are so many places that offer unsecured loans at good rates.  But not all these places are equal – some have poor payment terms and some have high interest.

So, I went on the Internet and searched for cheap loans.  I figured this way I could compare all the offerings side by side and pick which one that was best.  I never realized how many lenders there were until I looked at some of these sites.

I found one lender that was very promising and I filled out the application.  They said on the site that it would be up to 72 hours before I would get an answer – but I am so impatient.  Maybe I can spend the time looking for a car to buy…. I haven’t done that yet.  :)

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