Change Counts

You know you need insurance.  Well, maybe you don’t know it , but most of you do need it.  The problem comes when you start listening to your brother-in-law, whom we will call Earl, tell you about what type of insurance to get.  It is really pretty simple.  Don’t listen to Earl! That is the first step.

Do you really need life insurance?  Most people who have a family do.  I say most people because if you live long enough and have a good retirement plan, a good Roth IRA, and no debt, then maybe you don’t need life insurance at that point.  But let’s just assume you haven’t reached that point in your life yet. Let’s assume you are married, have 2 kids, owe $200,000 on your home, and have a yearly income of $100,000.

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How would you like something for free?

I thought so!  I just found this website that gives away free headsets for your cell phone.  With so many states enacting laws requiring us to use a hands free cell phone, this could be a real bargain.  These things are cheap anyway on Ebay, but this website is even better, so I thought I’d share it.

Facts though indicate that using a "hands free" set while driving actually does nothing for safety though. Did you know that?  It seems that studies are indicating that it is not the one hand off the steering wheel that is causing a safety problem.  It is more likely the fact that your attention is distracted from the task of driving, by having a conversation with someone on the phone.

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Are you facing a foreclosure? Are you thinking that would be the best thing for you?  There are alternatives. 

Have you ever heard of a "short sale"?

This may be an alternative to a foreclosure.  A foreclosure will cause a lot of damage to your credit rating.  It can really affect your interest rates in the future and has a long-lasting effect on your credit score.  A short sale can reduce some of this damage.

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You may be one of the millions who didn’t get a stimulus check and you are wondering why.  Here are some reasons that may apply to you.  First of all, this is just a gift from your Government, and they have made some rules that must be met to get the gift.  It is not a rebate of taxes that you have paid.  If that were true, then many people who are getting the money shouldn’t.  Did you know that many people who paid no taxes got a check?  That should tell you it is a gift, not a rebate.

Okay, so why didn’t you get the gift? Here are some of the reasons a family or single person would not get the money.

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Philips Digital Picture frames are the coolest and most functional gadget I have seen in a while.

If you explore my website, you’ll realize that I don’t do many “Product Reviews”. Other people do a good job at reviews, in general, and I usually don’t see the need. However, now and then, a product will jump out at me that I have to talk about. Philips digital picture frames are so cool. When I started looking into these frames a couple of years ago, they were just too expensive for me to consider. Recently, I decided that I would look again, because I thought it would be a neat gift for my aging mom, who lives a good distance away from me and doesn’t get to see her grandchildren often.. I thought if I could send her a memory card with the pictures on it, she could just plug it in to the digital picture frame and enjoy the photos. I could then send a new memory card periodically, so she always had new pictures to look at. It is working just like that. When she got her digital picture frame from me for mother’s day, she was very excited. I have since bought one for my father-in-law also.

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UPDATE - May 9 - My last 2 digits are 37,  and I just got the direct deposit today, May 9.

Everyone has been asking “when will I get my stimulus check?” Below is a table that the IRS put out recently, telling us when we can receive the Direct Deposit or check. The Tax Stimulus Dates are now announced.

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