Happy Groundhog Day!
Happy Groundhog Day!
According to Puxatony Phil, spring is just around the corner. He actually may be right this time because starting in 2007, daylight saving time is going to start the second week of March and end the first Sunday in November. It means we'll get a month more of daylight each year we keep in place the Energy Policy Act of 2005. Alarmists are going a little nuts over the act, saying the change could disrupt time sensitive machines and systems such as ATMs, but I'm gonna be lovin the sunshine!
Credit cards may be signing you up to pay!
Have you heard of "Buyer's Advantage?" Supposedly, it's a marketing program sponsored by certain banks and credit card companies that allows you to get discounts on merchandise. But that is a bunch of hooey. It's really an excuse for companies to remove money from their customer's accounts. Chase and Bank of America are soliciting for Buyer's Advantage and it's one of the worst schemes out there. The banks will send you a $10 check or "account credit" that signs you up for Buyer's Advantage. The problem is that when you sign and cash the check or take the credit, you are agreeing to pay an annual fee of $150 for nothing. The money is usually a small monthly deduction from checking accounts, and people just don't notice it. So, check your statements and if you see something questionable, dispute it right away!
Do you know your credit score?
According to a recent survey, only 3 percent of Americans know what a credit score is. Worse yet, less than 15 percent of people are checking their credit reports each year. Credit scores are like a grade that tells you whether your credit is poor, fair, good or outstanding. But, unlike school where you get one grade per class, there are three credit scores you can obtain. First, the industry-accepted standard score is called a "FICO" score, which is between 400 and 800 points. Each credit bureau (Experian, Transunion and Equifax) has different information on you, so they compute your score differently. Your interest rate can change depending on which bureau a lender uses. You must check all three of your credit reports and all three of your credit scores four to six months before you're going to buy a house. If you're planning to buy a house in a month, GET THEM NOW! One in three people find mistakes in their reports, so it's imperative that you do this. The one place to get your credit scores is myfico.com. There are other legitimate sites and other ripoff sites out there, but telling them apart can be difficult. There is only one site where you can get your free report: annualcreditreport.com.
Book lovers save money
I just discovered http://www.booksfree.com/ . They have an entire inventory of mass market paperbacks you can borrow for free by paying a monthly fee for shipping and handling of $6.99, which is less than the cost of one book. They'll ship you two books at a time. When you're done reading both ( no due dates, no late fees ), return them in the pre-paid mailer they came in. Automatically you will receive the next two books on your reading list. It's just like Netflix, but for books!
And now for some fun freebies:
Turbotax Online free edition
http://dealnews.com/deals/Turbotax-Online-Free-Edition-for-free/151606.html?ref=alert
Free Olay Definity sample
http://olaydefinity.offerprocessingcenter.com/?source=Definitycom
Tums Sample http://calciuminfo.com/promotions/Sample.aspx
Creative packaging samples www.bubblope.com/pages/2/index.htm
Free kid friendly sponge from Dawn http://tinylink.com/?l05ivjOOBN
Free scrapbook software, free embellishments and more http://tinylink.com/?l05ivjOOBN
Have a wonderful week!
CENTSerely,
Sister Thrifty
According to Puxatony Phil, spring is just around the corner. He actually may be right this time because starting in 2007, daylight saving time is going to start the second week of March and end the first Sunday in November. It means we'll get a month more of daylight each year we keep in place the Energy Policy Act of 2005. Alarmists are going a little nuts over the act, saying the change could disrupt time sensitive machines and systems such as ATMs, but I'm gonna be lovin the sunshine!
Credit cards may be signing you up to pay!
Have you heard of "Buyer's Advantage?" Supposedly, it's a marketing program sponsored by certain banks and credit card companies that allows you to get discounts on merchandise. But that is a bunch of hooey. It's really an excuse for companies to remove money from their customer's accounts. Chase and Bank of America are soliciting for Buyer's Advantage and it's one of the worst schemes out there. The banks will send you a $10 check or "account credit" that signs you up for Buyer's Advantage. The problem is that when you sign and cash the check or take the credit, you are agreeing to pay an annual fee of $150 for nothing. The money is usually a small monthly deduction from checking accounts, and people just don't notice it. So, check your statements and if you see something questionable, dispute it right away!
Do you know your credit score?
According to a recent survey, only 3 percent of Americans know what a credit score is. Worse yet, less than 15 percent of people are checking their credit reports each year. Credit scores are like a grade that tells you whether your credit is poor, fair, good or outstanding. But, unlike school where you get one grade per class, there are three credit scores you can obtain. First, the industry-accepted standard score is called a "FICO" score, which is between 400 and 800 points. Each credit bureau (Experian, Transunion and Equifax) has different information on you, so they compute your score differently. Your interest rate can change depending on which bureau a lender uses. You must check all three of your credit reports and all three of your credit scores four to six months before you're going to buy a house. If you're planning to buy a house in a month, GET THEM NOW! One in three people find mistakes in their reports, so it's imperative that you do this. The one place to get your credit scores is myfico.com. There are other legitimate sites and other ripoff sites out there, but telling them apart can be difficult. There is only one site where you can get your free report: annualcreditreport.com.
Book lovers save money
I just discovered http://www.booksfree.com/ . They have an entire inventory of mass market paperbacks you can borrow for free by paying a monthly fee for shipping and handling of $6.99, which is less than the cost of one book. They'll ship you two books at a time. When you're done reading both ( no due dates, no late fees ), return them in the pre-paid mailer they came in. Automatically you will receive the next two books on your reading list. It's just like Netflix, but for books!
And now for some fun freebies:
Turbotax Online free edition
http://dealnews.com/deals/Turbotax-Online-Free-Edition-for-free/151606.html?ref=alert
Free Olay Definity sample
http://olaydefinity.offerprocessingcenter.com/?source=Definitycom
Tums Sample http://calciuminfo.com/promotions/Sample.aspx
Creative packaging samples www.bubblope.com/pages/2/index.htm
Free kid friendly sponge from Dawn http://tinylink.com/?l05ivjOOBN
Free scrapbook software, free embellishments and more http://tinylink.com/?l05ivjOOBN
Have a wonderful week!
CENTSerely,
Sister Thrifty
Labels: books, buyers, credit, free, freebie, frugal, save, tax
posted by Movie Review Mom @ 10:03 AM
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