When the weather starts changing, my mind starts spinning and thinking and wondering. One of the things that I’ve been thinking about lately is my home owner insurance and whether we have enough. We have a lot of electronics, 3 desktops, a laptop, a high def TV, a second tv, plus a bunch of other stuff that’s fairly pricey.

That’s just a few things, that doesn’t cover ipods, phones, cell phone, clothes, furniture, kitchen stuff, etc. It really makes me wonder if the insurance we have will cover what we loss if something were to happen. Ah well.

The economy sucks, we all know this. This means that there is a lot of stores going out of business, closing, doing whatever they can not to sink into the cesspool that is our economy. This means that there is a ton of commercial real estate out there to be had, if you can afford it.

The sad part is that most people can’t, otherwise they would have their businesses already. It’s scary to see the amount of businesses that are closed. It’s scary to see what is happening to the economy. I don’t like the idea that we’re heading for disaster, but there’s nothing that we can do about it, is there?

Everyone has bills, right? I know I have more than I want some days. It’s okay, thought, it’s a part of life. But, that’s also where you need Bills.com too. They offer advice and services to help people manage their bills.

Debt relief is one of the services that they offer people. If you’re struggling, they can offer you advice on debt relief, credit rating advice and other great advice to help keep you out of debt. Everyone needs to plan for their future, especially in a struggling economy and not knowing if the same services will be there for us as are out there for the older people now. Will Social Security be around? We have no way of knowing.

I know that for me, my Bills IQ is 66%, which is definitely not a good thing, but I have education debt, credit card debt and a mortgage in my name. I do the best that I can, but it’s not always easy and probably never will be easy. I do know that I am better off than some people, however, so I just keep my chin up and do what I can do and try hard not to complain too much.

I don’t know what the future will hold, but I will make it through the best that I can.

I saw something yesterday that really made me wonder about how trashed our economy really is. I saw a couple of used Harleys along side the road for sale. It made me sad, really, because no one likes to or wants to sell their motorcycle. It’s got to be a bad state of the economy for people to do that.

I mean, I’ve seen people sell their bikes after getting a new one, but these were practically brand new, and I’m sure there was a heck of a price tag on them. How desperate can people be to sell a Harley? Seriously. They usually trade them in for new ones unless they’re really hurting.

When I was in college, I had a credit card. We all know about this, right? Credit card companies reel in the students with the lure of money and credit for whatever they need. I got into a nasty situation with it, sadly, because I had some things that I needed to pay for. I ended up with a nasty mark on my credit report because of it. It’s not a good thing, really, but I screwed up and that’s all there is to it.

What I think needs to happen is that colleges need to offer some sort of Credit counseling for incoming freshmen so that they don’t end up in a situation with thousands of dollars worth of credit card debt to pay off along with their educational expenses. With the economy being as crappy as it is, the youth of the nation don’t need to hinder themselves.

Everyone needs to be informed and educated to what they will be facing with these pushy credit card companies and their big promises that will cost you in the end. No one needs to start their life with a credit card bill they can’t afford, especially when they’ll have student loan payments to concern themselves with. Educate yourself, educate your children, don’t let them ruin their credit before they ever get a fair start.

Everyone needs a new car from time to time right? Especially now with gas prices being so high. Everyone is considering cars that get better gas millage than the car they’re driving or they’re going green and buying hybrid cars. So, what’s the first step in getting a new car? Why not let it be finding some Online Car Loans so that you know what you can afford before you ever leave home.

Car Loans are important and no matter your credit, there are loans out there for you. Even if you have poor credit, you can get a loan, but you need to research them yourself before you go out car shopping. All the car dealer will be able to help you with are the ones that their dealership handles and most of those cater to those with the highest credit rating.

Don’t let your poor credit keep you from getting a new car.

Everywhere you look lately, there are gas and oil well investments popping up everywhere. Everyone wants to be more aware of using the resources that are available within our own country and that’s what Lone Star Securities, Inc does. They offer all the information that you need to learn about oil and gas investing so that you can make informed decision before going forward.

The site shows up front what the current price for crude oil and natural gas, keeping you on top of the current state of oil and gas investments as well. With over 20 years of experience, Lone Star Securities, Inc is able to give you the most current and accurate information so that you get all the information that you need to make a good investment.

Lone Star Securities, Inc gives you all of the information that you need in order to make a wise investment. Overall, Lone Star Securities, Inc is one of the best sites for learning about oil and gas investing for the every day person.

Every now and then, everyone runs into a bit of money trouble. Unless you’re independently wealthy, you know what I’m talking about. Some weeks, the paycheck just doesn’t stretch far enough and you need to find good payday loans to get you by.

Trust Source is a great resource for anyone who needs that little extra boost. They review and rate the top loan sites so that you can find the one that is the best suited and safest for your needs. Trust Source even allows the customer to rate the sites, so that you get feedback from someone who has used the service.

Trust Source is a great resource for other things as well, but their guide to payday loans are the best resource for you if you truly need one. Just remember, though, to use payday loans sparingly and only from reputable sources or you’ll end up in trouble down the road.

If you listen to the news lately, then you know that the value of silver and gold is quite high lately. They also say that the value is going to continue to go up every day. This means that it is the best investment right now is metals like silver bullion.

Why invest in silver bullion instead of gold? Well, since 1990, the world demand for silver has exceeded the annual production rate. That means that, if you have invested in silver bullion, then there is going to be more of a demand for what you have, driving the prices up further.

So if you’re looking to invest, look into silver and see what it can do for your investment portfolio.

It’s been a year since we signed our names to the new mortgage. The 12th payment went out. One year of payments. It seems like a lifetime ago What’s sad is that there are 168 payments left. That seems like a lifetime from now. This is a 15 year mortgage and we have 14 to go on it. I look at the amortization schedule monthly and cross off a payment every month and it makes me wonder if we’ll get past the first page of it any time soon. Then I look and it will be 2010 before I can get rid of that first page.

It’s crazy, but we didn’t get any real option at the time. I suppose that if we had gotten a mortgage quote elsewhere, it could be better or worse. I don’t know that there could be a better option, though. We don’t pay a lot of money per month, it’s not overly hard on the budget and the interest rate isn’t that bad. I definitely think it’s better than what it could have been.

Would I go back and do this all over again? I sure would. I’d be more than happy to sign my name to the mortgage if I had the choice again. It’s a great feeling, even if it is one of the scariest things I’ve ever done. It’s just hard to believe that it’s been nearly a year since it happened.

They say money can’t buy you love, but it seems like it might be able to in some worlds.  If you have money, people seem to be more interested in you.  Everyone that has money, talks about investing and what the best way to invest is. Stock Market? That’s up and down more than… yeah I think you get the drift there! Savings Account? I suppose you could, but that money is only guaranteed as long as the bank doesn’t go bust. Sort of. Most banks are FDIC insured, so they’re secure, but it’s also easily accessible money as well.

Why not buy rare coins instead? It may sound odd, but if you look back through time, what is the one thing that has remained the same? There have been gold coins as currency. While the price will fluctuate, gold coin will always be worth something. If you truly want to invest, Monaco Rare Coin, a part of the Monex family of companies, might be the way for you to go. It’s not as difficult as it may seem and it’s also more secure. You can’t access the money as easily as you can with a savings account.

Not just anyone can help you build a world class rare coin portfolio, and do so cost-effectively, but Monaco Rare Coin can. Why not give them a chance to help you invest in your future.

So there’s all this talk of an extra refund check coming in may. Personally, I won’t hold my breath waiting for it. I know what I’d use the money for, however, if it does come. We need to do some home improvements. We could use some floor work done, along with ceiling work. Most importantly, however, we need to get a roof done first. No point in doing floors or ceilings if the room isn’t done, right?

Seriously, we have enough leaks in the roof that our space is ruled by where there aren’t buckets to catch the drips when it rains/snows/melts/etc. It won’t be enough to do the work. That’s alright, it should make a good start on saving the money to do it properly. But yeah, money for nothing, I know I’d put it to good use.

In the words of Donald Trump, “I think I’ll buy a bar of soap.”

I wrote a while back about why I don’t like working for other people. One of the reasons is the last corporation I worked for was notorious for hiring on a bunch of new hires then pulling some stupid corporate performance management crap and firing them right at the end of their ninety day period. They always made up some stupid excuse, such as bad performance reviews, to do it. Something you can’t fight against, then your file gets sealed. I think that the worse of it, though, was that they were working me 12 hour days, 4 days a week, Saturday, Sunday, Monday, Tuesday. A lot of times, I would work 5 12’s, and the day I was fired, I was on day 6. Two days before I hit the ninety mark. I knew they were doing evaluations that morning, since I had seen the girls on either side of me go into “The Office” and come out upset.

When I was called in, I figured what was going to happen. I had already gotten my stuff together so that I could just toss it in my bag, but yeah. I went into “The Office” and was told, by the floor manager who was never around during the 90 days, that my error rate was too high during the period I was monitored. Oddly enough, it was the day I got all the screwed up batches. Conspiracy? Sure. Corporate crap? Definitely.

A sign that you’re maturing is when you start thinking about things like life insurance and what’s going to happen to your loved ones should something happen to you. Another sign of maturity is actually sitting and looking at the different term life insurance quotes online to see which one is the best.

I know that we need to get some soon because you never know what can happen. I mean, look at the family who lost their home in a fire a week before Christmas. I can’t help but think of the “What If’s” of that scenario. What if someone hadn’t come by and seen the fire? What if they hadn’t gotten out. What would their children have done? They don’t have young children, but they aren’t well off enough to be able to pay for all the expenses. Especially if both of their parents had been lost.

It’s things like this that make you question your priorities in life and reconsider whether you’re putting your eggs in the right basket. I know Rob and I aren’t and we really need to change that. Sooner than later.

Have you ever heard the term structured settlement and not known what it is? I have heard it more than once, especially since my sister is in the middle of a lawsuit over my nephew’s lead poisoning. When you win a lawsuit, there are different ways that it can pay off. It can be done as a lump sum or as a structured settlement.

A Structured Settlement takes the sum of your settlement and breaks it down into smaller payments over the course of time. It’s usually set up this way so that you don’t have all the money come in at once and get overwhelmed. The problem, however, is that often when Structured Settlements are set up, they don’t take into account people getting into a situation where they need more money.

Perhaps your structured settlement is from getting hurt at work and not being able to work for a period of time. If that’s the case, then the payments need to be enough to cover the expenses that are normally incurred, but those aren’t taken into account when the settlement payments are set up. Perhaps you have medical expenses that you’re trying to pay off, but the settlement doesn’t give you enough to pay for them.

Lawsuit settlements aren’t the only type of Structured Settlements, though. Lottery payments are set up that way as well. Most winners take their winnings over time, thinking that they are getting more that way, but sometime down the road, they get hurt or something happens and they’re facing financial hardships. That’s why there are companies like Stone Street Capital out there, they offer you the option of converting your structured payments into a lump sum payout.

They let you take care of what you need to take care of without the wondering if your next payment will be enough. Just something to think about if you’re ever in that position.

It’s a sad reality that it’s become far more expensive to pay for Christmas gifts. It’s become far more expensive to live the life that most people feel that they should be able to live. People want to live above their means and end up relying on their credit to attain the lifestyle they want.

What’s an even sadder reality is that most people end up with absolutely horrible credit trying to pay off their lifestyle. That’s why there are places that you can get bad credit loans that are meant to help you get back on your feet. Sadly, most people won’t use them to get back on their feet, however. They will get themselves further in debt.

Even if you can get yourself out of credit card debt, you still have a hard time finding a mortgage company that will even look at you, unless you go for a bad credit home loans and those end up having an even higher interest rate. It’s a sad cycle that is damn hard to break out of.

So with Christmas right around the corner, the commercials on television are getting more and more pushy. Every other break, there are commercials for women’s jewelry. There are commercials for gifts that a man should get for a woman. But where are the commercials for men’s jewelry? What about for the gifts that men want?

Are you telling me that women are really that much better at picking out gifts for their man? I don’t really see that as the case. I have a hard time picking out the ‘right’ gift for my husband and he’s fairly easy to shop for. But seriously, why aren’t there more commercials for mens jewelry or clothing.

You see car commercials, tools, really stupid and obvious gift ideas, but nothing like they push for a gift for a woman. Stupid commercialization.