Archive for the ‘PPP’ Category

Wiping debt clean…

Monday, June 25th, 2007

I recently found out that my father had to take out a loan just to take care of his credit card debt. He had about 3 cards and after coming across a low interest credit card he transferred all three cards to one, began payments and then found himself taking out a loan just so he could pay it all off on one shot. Naturally I wouldn’t recommend doing this unless you absolutely have to but thanks to my mother’s love for QVC and everything HOME SHOPPING, he’s spent the last 10 years paying off close to $40,000 in credit card debts. He’s now debt free, in regards to his cards, and working on paying back the loan that he took out. By transferring all of his funds to a low-interest credit card, he actually found out that his credit score had improved. He’s now got a credit score above 760 and couldn’t be happier. His interest rates dropped, his financial standings, as a whole, have improved and he just seems like a happier person in general.

I learned a lot about credit cards from him, which is why I don’t see myself getting one anytime soon. Unless I need one for absolute emergencies then there’s really no point in spending money that I just don’t have. I understand that everyone’s situation is different and I’m, by no means, saying that you’re a complete moron if you’re depending on other’s money in order to get through daily life. However, I do strongly believe that if you can maintain a proper bank account, you won’t need to worry about going to an outside source for funding.

Keynotes

Monday, June 25th, 2007

I’m not sure why but lately I’ve seen a rise in Keynote and Entertainment speakers. For the past few months I’ve been doing some work here and there for Dick whom keynotes for businesses that what to use new media like blogs, podcasting and wikis to inform customers. I’ve actually spent quite a bit of time thumbing through his blog because he’s consistent with having an entertaining blog to keep you interested.

Up until recently, however, I had absolutely no idea what exactly a Keynote was. Based on my trusty wiki I found out that it’s a motivational speaker and the keynote is the one who kind of tells the stories behind the main speaker. I’m unsure if that’s the case, I’m sure Dick will tell me where I went wrong. But I’m basing it on the following:

A keynote in literature, music or public speaking is the principal underlying theme of a larger idea — a literary story, an individual musical piece or event. At political or industrial conventions and expositions and at academic conferences, the keynote address or keynote speech is delivered to set the underlying tone and summarize the core message or most important revelation of the event.

But, moving along. There’s a site called internationalspeakers.com that provides motivational public speakers, primarily for business. Their goal is to inspire and educate people in the corporate environment. They claim that with a celebrity speaker from their company, you can be sure that you get the attention of your employees. They give you access to successful public figures and all of them provide great programs that can be used to customize your needs. So if you’re in the market for someone to give your employee’s a stern talking to – more than likely this will be a resource that you keep in mind.

Backgammon Masters have some interesting news!

Monday, June 25th, 2007

PPPA quick update for my favorite people over at backgammonmasters.com. Recently they’ve added Poker to their database. You can now play for real money. To celebrate this real money launch, they’re offering games with no house commission for a limited time. Ever since their launch, they’ve been gaining popularity with the online backgammon community, I myself am an avid player of the game online.

Now, poker fans will be able to login and play up to three game tables at a time which would overall increase their game activity and experience. Players can also play in no charge fun mode so that you don’t have to be at risk for losing any money when you go up against the professionals. For years now I’ve been playing online around Yahoo or any other site that just seems to have the game featured online, now I’m going primarily through them for all of my online gaming and I couldn’t be happier. The reason they’re gaining popularity with the online backgammon community is because of their graphically rich playing environment complete with realistic 3D avatars and sound…makes you feel as though you’re actually in the game.

For the past few weeks Sean has been playing a lot of Chess on Yahoo, little does he know that on my side of the room I’ve been fiddling around with my backgammon boards and beating the pants off anyone who comes near me. I rule like that, don’t I? He’s asked on a few occasions why we don’t personally have a backgammon board because he’d gladly play with me, the problem is he’s a pain to teach anything to, he wants to learn but I can’t even get him to put the seat down, how could I have the patience to teach him how to play? I’m sure something will work out eventually. For now, however, he has his chess and I have my backgammon!

Check out backgammonmasters.com, let’s play!

A rather uncomfortable conversation

Sunday, June 24th, 2007

I have no doubt in my mind that this is a topic that most people dread to even think about but what some people don’t realize is the importance behind having some kind of a life insurance policy. It doesn’t matter how young or old you are, anything could happen to you between right now and tomorrow that is 100% life changing. A few years back I looked into Affordable Life Insurance Quotes and did manage to get myself onto a plan where I pay a small amount of money each month to buy into my current $30,000 plan, naturally over the years this number will go up but I also know for sure that if something where to, god forbid, happen to me I know that my family is taken care of. Even if it’s only enough to cover funeral expenses, pay off an outstanding balance and cover any hospital fees – I know that nothing is going to be taken out of their own pockets for this.

My father has a life insurance policy, somewhere in the $80,000 range. He has one out on both my sister and myself. He’s also fully paid for his entire funeral, a conversation that I did not wish to have with the man considering we were at the breakfast table. This is a conversation that could at least have waited a few more hours so I didn’t dwell on it for the entire day, most parents don’t seem to understand that concept. His theory, however, “It doesn’t matter how or when I die, I don’t care what kind of a box I’m in or where I’m buried. Don’t say ‘he would have liked that’, I’m dead – I don’t care what things look like!” I was taken back by this, but I can understand where he’s coming from. Some people treat funerals as though they were weddings where they go crazy with flowers, music, dressing things up that don’t really need any dressing up. My father, being so set in his ways, would be happy in a pine box in the back yard with a few chairs setup. Naturally this isn’t how it’s going to happen but again – he’s dead, he doesn’t care anyway. God I hated that conversation with him.

But anyway, back to my original point. Having a life insurance policy could be good for all of those involved. It shows that you’re fully accepting the fact that you’re moving on and not leaving excess weight on the shoulders of your loved-ones after you pass on. My father claims he did it to prove that he can and will do anything for his girls, and considering I’ve taken a policy out on myself, as well, I know that I’m also going to be doing it for my loved ones.

I must learn to pace myself!

Sunday, June 24th, 2007

For the past couple of weeks I’ve been looking heavily into Graphics Cards. The one I’m working off of at the moment is the standard integrated card that’s shared, I’d like to have a separate card so that I can regain some of my ram. I’ve settled on the card that I’d like but a feeling in the pit of my stomach is telling me that I’m making the wrong choice. Whenever I go to purchase anything for my computer I set myself in an estimated price range this way I can make it a point to stick with a budget. Naturally when I find something that’s way below budget, I not only get giddy but I also get greedy.

See, when I say I’m willing to spend maybe $250 on a Graphics card and I happen to come across the exact card I’m in the market for which is in the price range of only $100. I instantly think “Ooh, I’ve got $150 for something else!” this state of mind absolutely has to stop but I have an addiction to shiny computer parts and that’s just too bad for my bank account. So now that I’ve found the picture perfect graphics card for myself I’ve switched my gears and am now looking around for a second monitor and the little $15 adapters so I can run dual monitors with my dual DVI slots. I’m not quite sure if I’m saying that properly, I’m sure Sean will let me know if I’m wrong here. (Just asked, I’m right…women typically are.)

Anyway, so now that I feel as though I have the ‘extra funds’ for something new, I’ve been abusing my database full of coupon codes (thanks to KeepCash.com) and I’m poking around hundreds of sites in search for a second monitor. My issue here is that I’d like to get the exact same one. I have this thing about everything matching but I believe that my model of monitor is no longer being made. So if you’re interested in helping me on my quest, please let me know if you happen to come across an X2Gen 17″ LCD Black/Silver monitor. I’ll gladly give you a cookie.

I’m sure you’re saying “Uhm, Google gave me X amount of links with that search!”. I’m fully aware of what Google spews out with it’s search queries. However, the monitor I own has X2gen written on the bottom silver bar right above the power button. The ones I’ve come across all have them in the upper left hand corner. This doesn’t match and again, I’m picky! So if you happen to see one that has the x2gen written on the bottom then send that link over as soon as possible! I’ll bake and ship a few dozen cookies – I swear!

Maybe I’m just too dumb?

Sunday, June 24th, 2007

For the past few months I’ve spent countless hours working towards some form of financial aid to get myself into college. I’ve gone through scholarship applications, financial aid information and I’ve even began looking into some level of secured loans that only seem to make sense to the lenders and not me, the person who’s going to have to pay all of this back. I go in to ask about a student loan and he gives me a run-around about secured home loans and bad credit secured loans. None of this will help me. I don’t know if it was his first day on earth, let alone his first day on the job, but when you’re asking about a student loan – where exactly do home loans come into the mix? I’m not buying the school, I’m just paying tuition here! I know that I can Google resources on the internet but I keep getting links in regards to Secured Loans UK and other countries where I’m not even ELIGIBLE for them!

If anyone of my visitors knows anything about the loan process, other than just having to deal with some guy in a suit telling me what’s good for me, could you please kick some information my way? It would be greatly appreciated!

Lower Slower Delaware

Saturday, June 23rd, 2007

A lot of interesting things go on in this town. So much so that I seriously wish I had some kind of a Spy Camera just so I could get this all on tape and make millions of dollars selling the footage to America’s Dumbest Citizens and Pets.

#1 – Just tonight a neighbors dogs managed to get themselves out of the house and oddly enough, no one was looking for them. We’ve met them both before so part of me assumes that they remember our scent. Sean happened to be walking Bella up the block when this huge dog approached him with no real concerns at all. They sniffed each other out (Bella and the other dog, not Sean heh) and then her being the bitch she is, kind of smacked him in the face. Of course this isn’t fair because this dog happens to be rather sweet. We were knocking on the door, trying to get the dogs rounded up. All the lights were on, dogs are running wild, I finally hear “We’re not home”. Originally I thought this was Sean until I later found out (after both dogs were let into the back door by Sean) that someone was actually home. If your lights are on, I can see someone moving around, how are you “not home”? ::blinks::

#2 – The other night we were at the beach, this cross-links to my previous “Are you that stupid?” post a few days ago. Some stupid teens decided “Let’s jump on the dune” and it was followed by a year-round police officer (not the ones they call in seasonally) walking up and screaming “Are you that stupid?”. They did a quick comb on the beach and came back to seeing two rather dumb children running onto the beach. I kid you not his dialouge went as follows “I think he’s taking a piss on the sand. Is he taking a piss on the sand? He’s taking a damn piss on the damn sand.” He jumped on his bike (not forgetting his helmet by the way) and peddled over there as fast as his tight-assed bike shorts could take him. He then repeated (to a completely new group of idiots) the wonderful term – say it with me folks – ARE YOU THAT STUPID?

#3 – Another neighbor, husband of the famous “Hot Mom” that Sean more than likely has a crush on (well…her butt mainly) does some strange things at night that I just don’t understand. When he believes everyone to be asleep he’ll come outside for his nighly hit of weed. He’ll then follow it with excessive coughing that could more than likely wake up the whole neighborhood…we all know that the old people get out of bed a lot slower than the young ones – it’s frustrating that they aren’t as chipper as they used to be when they come to the door with a shot-gun screaming “Shut the hell up – will ya? We’re trying to sleep!”. That’s not exactly his ‘strange’ trait though. I’m certain he has a night job but for some reason he comes back to the house about four times a night between Midnight and 6am. Every single time I see the man, however, he doesn’t really feel the need to keep his shirt on. He’s driving a brand new car so obviously there’s air conditioning in it. The windows are typically wide open (even at night) and he loves to show off his farmer arms and pasty white chest.

While I’m not exactly in the South dealing with “Southern Drawl” I am dealing with a lot of people who’s fathers are also legally they’re uncles.

And last but certainly not least:

#4 – A few weeks ago Karen was telling me about someone she works with. Skunks are pretty typical down here, naturally when you’re cutting into their territory to clear land for the 200 homes being put on 5 acres – they’re going to hang around. One night he noticed a rancid stench coming out of the back yard. His kids had just come in from playing and it was getting fairly dark so he was making his final rounds of the evening before closing-up-shop as he put it. He peaks into the backyard where this skunk stench is getting worse. He finds the skunk in the back yard playing with all of the dog toys that the children had left out when they went inside. So now not only do they reak to holy heaven but they have dog like qualities.

Unreal…unfreaking real.

Virtual Sand Castles

Thursday, June 21st, 2007

PPPWhen it comes to birthdays and holidays and I know I’m not going to be around, I typically enjoy sending e-cards to friends and family. Yes, the bulk of the time some may find these cards to be annoying but my family sends them back and forth to each other excessively so naturally I’m always looking for a new and better site to send the cards from, that’s when I came across virtualsandcastle.com. Yes, you can literally build and send Sandcastles to your family and friends on their special day – cool huh?

Happy B-Day MoMo I played around with the site for a little while, yes it’s completely free, you even get to play with a beach-ball while it’s saving. It’s really simple, you select the “Build a Sandcastle” icon and then start playing around with the different designs, changing the colors, adding accessories and a plethora of other options. Once you’ve gotten it to where you want it, you go ahead and click on the save icon and then while it’s capturing the image you’ve created, you can bounce a ball around with your mouse to keep you entertained. I thought it was a lot of fun, it’s a very simple process though. You can choose to save it as a wallpaper, send it to a friend, or just disregard it and move on. I saved it as a wallpaper. It’s a little bit pixellized for my taste but either way I’ll send her the link and have her play around with it for a little while.

Maybe you can have some fun with it as well, just head over to virtualsandcastle.com.

Sponsored

The house of my dreams … doesn’t come easy!

Thursday, June 21st, 2007

While we haven’t seriously considered anything yet, Baby and I are looking to buy a home. Naturally there are a few requirements that must be met before we even step into a place. A minimum of 3 bedrooms (one will more than likely be used as an office), a large kitchen considering that will literally be MY room in the house, a spacious living room that we can fill with over sized comfy furniture and to keep Sean happy – a large garage with lots of storage.

Now, naturally he’d prefer a shed the size of a single-wide trailer just so he can store all of the tools that most men buy and just won’t ever use. Of course, they absolutely need to have it. (Should I note I’d like to live NO WHERE NEAR a Home Depot?). But, back to the matter at hand. I think it’s important that everyone consider utilizing their spaces properly. I hate seeing an unorganized house in complete chaos, I typically tend to clean it for them. Alicia can vouch for this one, I’ve done her dishes just because they were there. A big thing for me, however, is garage storage because you seriously can’t ever have enough of it. With all of the gardening supplies and house-hold tools that you need to keep away from ‘daily life’ it’s important to store it properly. I’d love to have a huge two-car garage but this doesn’t mean that I’d like one side of it to be overflowed with junk. I like organization, I love the look of CLEAN and nothing more. Peg boards for quick pick-up of screwdrivers, hammers and whatever else you can throw on a pegboard. Clear storage bins on an over-abundance of shelving. The idea of having ‘room to spare’ is a great thing for me.

Down here it’s hard to find this kind of space unless you build it yourself. Maybe if Sean and I get lucky and win the lotto we can purchase someone’s old farm land and turn it into the house of our dreams. I know for sure we’re going to need a big enough yard to cover Bella and whatever big dog Sean happens to bring home one night (trust me, he’ll surprise me with one!) I’ll say this much, however, there’s no way in hell we’re hiring the same landscape company that does our complex. When we say cut the grass, we don’t mean drive over it doing 40 miles an hour!

Dropping the weight … the healthy way.

Thursday, June 21st, 2007

PPPFor quite some time now I’ve been reading into a lot of information in regards to Lap Band Surgery. There are quite a few resources like Weight Loss Surgery Florida which offer valuable information about the subject. They list everything from the cost to the procedure itself. They also list information about recovery and not to expect 100% results within the first few days. Since they shrink your stomach you really have to buckle down with portion control. You do not lose any weight just by having the surgery, some people don’t really understand that. The reason the weight is lost is because you basically can only fit a 1/4 cup worth of food in your stomach at one time. This is why you eat multiple meals a day and very little meals at that.

Portion control is rather hard to do, something I fully admit to. I’ve been struggling with my portion consumption since day one of my diet. I’ve figured out a few ‘tricks of the trade’ though. Instead of eating off the standard sized dinner plate, I use smaller plates this way it looks as though I’m eating more food when in actuality I’m eating the right amount. Instead of loading the plate with pasta, I’m taking small scoops and counter-acting with veggies to avoid the excess starches. Small things like this have aided in my so-far 15lb weight loss. That’s about 5 pounds a month for the last 3 months. Based on doctors opinions (yes, I’ve spoken to a few) that’s rather healthy. Losing anywhere from 1-3 pounds a week (depending on your starting weight) is very healthy for you. Naturally those of us whom are larger are going to drop a lot more weight, quicker, because our bodies have stored so much fat over the years that is now being released from our systems.

Now, this isn’t the kind of information you can find on the site I listed above. The resource above is strictly about the lap band surgery. If you’re interested in learning more about this topic you can visit MyLapBandSurgery.com or call their toll-free number (1.866.309.0036).

Getting some help.

Wednesday, June 20th, 2007

PPPA friend of mind is having some trouble with her daughter and has been looking into Math Tutors. She considers it to be a kind of genetic defect though. I know that may sound cruel but both her, her daughter, her son and even the father of the children have all had trouble in Math, English, Social Sciences, etc. So naturally getting the tutor for them that she never had is bound to be the right way to go. It’s a shame when two bright kids just can’t cut a break.

Please just stop the spending…

Tuesday, June 19th, 2007

Sean and I are working on getting his credit cards paid off. He made the mistake of maxing them out and now he’s working hard on getting everything paid back. I’m sure it wouldn’t take very long, he basically only needs to come up with $2500 so that he can be in the clear. I also think getting that one bill out of his hair every month will make him a happier person. He’s bought computers, mother boards, a digital camera and I think his XBox360 on one of his cards so naturally it’s going to max out quicker than anticipated. I think he’s working on his third motherboard or something, not quite sure. Either way if it gets to be too much for him, I’ve told him to consider looking into some form of credit card debt consolidation because it’s a bitch to have such credit problems at a young age. He’s only 22, so to have to deal with this it’s kind of absurd. He’s working hard on getting it all taken care of though, guess that’s all that matters.

Thing is, eventually we’re going to work on buying a house and what not and I don’t want to have everything in my name because my credit just happens to be better than his at the moment. I think that’s based on the fact that I only really spend what I have though, I got rid of my American Express card. I hate to cancel that thing because it was great for emergencies but even with a credit score in the mid 700’s, it was a rather high interest rate that I just didn’t want to deal with. I don’t really believe that a $100 purchase should cost me $180, you know?

Shopping around…

Monday, June 18th, 2007

So I’m in the market for a car. I know this seems rather strange coming from me but enough is enough. For a little while now I’ve been looking into car loans but then I realized if I change things around financially, I’ll be able to manage it. I don’t think I would mind having to go towards loan but instead of taking the easy route, sometimes I just like to get things done without any outside help.

I guess I don’t personally have any issues with someone having to go for personal loans, this of course is based on the situation as well. I don’t understand how someone can take loans out for things that shouldn’t have happened in the first place. A family member of mine took out a loan so they could pay their credit card and not have to claim bankruptcy. I’m sitting here wondering what the hell he could have purchased that he never had the money to pay back. He makes over $100k a year so it’s not like he’s dying for cash. Then we found out that he’s been living well outside of his means, obviously. It just seems like a shame to me, I don’t know.

I’m looking into a Mustang because I adore them, I’ve also been considering some SUV’s, either way I want something that’s stylish and not a gas guzzler. Of course with my two choices, that instantly voids that statement – doesn’t it? heh.

USA’s Burn Notice

Monday, June 18th, 2007

PPP I’m supposed to come up with some extravagant story about the CIA. I can’t do it, because I don’t know anything about them. I don’t follow government because I personally can’t stand how it’s run. So naturally not involving myself in it seems to make more sense. Now, based on my knowledge the CIA was started when Will Smith and Kevin Kline saved the day in Wild Wild West, unfortunately I doubt this is the case. Damn good movie though, wasn’t it? The real creation was by Harry S. Truman in 1945, quite a few years after the movie was actually based. Damn shame.

The real reason behind the CIA was to create an espionage organization directly supervised by the President which will procure intelligence both by overt and covert methods and will at the same time provide intelligence guidance, determine national intelligence objectives and correlate the intelligence material collected by all government agencies. I know it sounds like a lot of big words but to put it lightly: Dubbya has body guards. The amusing thing, this time around, is the fact that very few people can actually publically state that they’re smarter than their boss and get away with it. With members of the CIA under Bush’s administration – they literally are. Cool huh?

So there’s this new show on television, USA Network’s Burn Notice it’s about a guy named Michael Weston who is a CIA Operative who was fired. I’m supposed to come up with some fictional story in regards to it but there’s no way in hell I can conjer up something like that. He could have been fired because he tapped into mob connections with the government. Maybe he walked in on the president doing an intern, maybe he found the president going through his daily hooked-on-phonics tests – who knows. Either way he had to do some serious damage in order to be let go, this is a government job after all.

PPP

PayPerPost earns $7 million?!

Thursday, June 14th, 2007

PPP Many people know about PayPerPost, I think at this point anyone with a blog is desperately trying to get involved in their program. For those who don’t know anything about them, you choose an opportunity and then post about it in your blog. You can earn anywhere from $5 to $300 per post, right now they’re offering loads of money to users because of the fact that they’ve recently gotten $7million in funding. Not bad for a few blog ads right? Right now they’re running something where you can earn up to $700 if you happen to get there quick enough, I consider it kind of a blogger outreach program LOL. I’ve gotten it TWICE today but by the time I actually copied the link in, it was already taken BOTH TIMES!. I’m really pissed off about that too, I could seriously use the cash! I figured that if you hit “Take this opportunity” that your reserving it, but that’s not the case. I just wish it was.

Anyway, they’re want to know what to do with the money. I’d personally be greedy about it and ask that they drop $1,000 in my “PPP Direct” box but I doubt that would ever happen. I think it would be pretty cool if they setup a giveaway in their database where one random person’s email address is pulled for prize money. I also think they could help out a lot of their posties who are currently in college, or looking to go there, about a scholarship program. Lord knows I could use a few thousand towards school at the moment. Sean said it’s easy to find a scholarship, but how cool would it be to be able to say that paid blogging’s #1 company sent me to school? Yep, think about that and drool a little yourself.

PPP: Sponsored

Coming soon to a DVD near you!

Wednesday, June 13th, 2007

Reno 911 PPPThe 19th is fast approaching and I’m anticipating the DVD release of Reno 911! Miami The Movie. Baby and I saw it in the theater and still crack up over scenes whenever we think about them. I think one of my favorites is when they find the beached whale on the beach and while they’re trying to push it over, Junior winds up going right through it and Jim is saying “Officer Down! Get a wet nap people!”. After that would have to be when Trudy blows up the car and so innocently says “That was my bad…”. There are clips all over the place for the movie, some may prefer the trailer but one of the opening scenes isn’t half bad either, you can check that out here.

I’ve been watching the series since the first season so when they came out with a movie I was instantly excited by it. Anyone who’d hung out with me on Friday nights knew that I’d spend the entire day anticipating the show being on. When I found out that there would be Reno 911! Miami The Movie, I almost pee’d in excitement. Now I’m going to own the DVD and absolutely can’t wait. Blockbuster typically puts out their new releases on Tuesday, Sean already knows to be there on Tuesday afternoon no matter what he’s got going on. I can’t wait, I really can’t.

PPP : Reno 911