Showing posts with label online stock trading and investments. Show all posts
Showing posts with label online stock trading and investments. Show all posts

Wednesday, November 17, 2010

personal finance budgeting





If you die owing money, that means you won the game of life. But some folks harbor a silly fantasy of actually clawing their way out of the imploded Chilean mines of debt they've created for themselves. They put themselves on a budget, hope for job security and the eventual reinstatement of raises and map out exactly when they might taste the financial freedom all too few get to taste.



Personal Finance blogger Girl with the Red Balloon, who is chipping away at more than $16,000 of student loan debt on a $24,000 salary says she'll be out of debt June 1, 2013. She uses the far-off date as encouragement to stay focused on her frugality.



How much debt are you in, and if you plan on getting out of it one day, when do you hope that will be?



Debt Free Date [Girl with the Red Balloon]









Conduct a Financial Fire Drill to Assess Financial Health





We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.


Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.


You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.



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<b>News</b> Corp. iPad Venture Fishing In Wrong Pond | paidContent

Another day, another hire at News Corp.'s super-duper secret iPad venture dubbed The Daily—and another reason to question whether this is going to be yet another wobbly Rupert Murdoch digital-news enterprise. ...

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

MAKE TMZ MY HOMEPAGE; TMZ RSS/XML � iPHONE APP � ANDROID APP � TEXT ALERT � FACEBOOK � MYSPACE � TWITTER � YOUTUBE � TIPS � Sign In | Sign Up. HOT SEARCHES: Sebastian Bach | Princess Diana | Brittny Gastineau � TMZ AOL News ...



Child guardian ILLUS.jpg by Contra Costa Times


<b>News</b> Corp. iPad Venture Fishing In Wrong Pond | paidContent

Another day, another hire at News Corp.'s super-duper secret iPad venture dubbed The Daily—and another reason to question whether this is going to be yet another wobbly Rupert Murdoch digital-news enterprise. ...

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

MAKE TMZ MY HOMEPAGE; TMZ RSS/XML � iPHONE APP � ANDROID APP � TEXT ALERT � FACEBOOK � MYSPACE � TWITTER � YOUTUBE � TIPS � Sign In | Sign Up. HOT SEARCHES: Sebastian Bach | Princess Diana | Brittny Gastineau � TMZ AOL News ...


alpine payment systems scam

<b>News</b> Corp. iPad Venture Fishing In Wrong Pond | paidContent

Another day, another hire at News Corp.'s super-duper secret iPad venture dubbed The Daily—and another reason to question whether this is going to be yet another wobbly Rupert Murdoch digital-news enterprise. ...

<b>News</b> - Tixdaq

Foo Fighters have been confirmed to headline the final night at Isle Of Wight festival 2011.

Eva Longoria Files for Divorce from Tony Parker | TMZ.com

MAKE TMZ MY HOMEPAGE; TMZ RSS/XML � iPHONE APP � ANDROID APP � TEXT ALERT � FACEBOOK � MYSPACE � TWITTER � YOUTUBE � TIPS � Sign In | Sign Up. HOT SEARCHES: Sebastian Bach | Princess Diana | Brittny Gastineau � TMZ AOL News ...


Friday, September 24, 2010

personal finance books





photo: vixyao


Cooking at home is the best way to save cash, but it’s nice to go out sometimes, too. Check out Frugal Foodie every Friday for a selection of the latest coupons for casual and fancy fare.


This week: free ice cream, Champagne, coffee and dessert, buy-one-get-one-free smoothies, discounts for donations and $10 bottles of wine, among other deals.


1. Cold Stone Creamery


Visit on Sept. 30 to get a free 3oz. “Kate’s Creation” for the World’s Largest Ice Cream Social. The deal is valid from 5 p.m. to 8 p.m., while supplies last. Participating locations only.


2. Jamba Juice


Use a print out coupon and buy a smoothie to get a second one of equal or lesser value free. Participating locations only. Deal good through Sept. 22.


3. New Jersey Restaurant Week


From Sept. 19-25, participating restaurants are offering one of three specials: 20% of your check, a free dessert and coffee with the purchase of an entrée, or a special $35 prixe fix three-course meal featuring “Jersey Fresh” ingredients.


4. Boston Market


Facebook fans who donate $1 to Share Our Strength will receive a print out coupon good for a free side dish of their next visit. Offer good through Sept. 25.


5. The Broiler Restaurant


The Sacramento, Calif., restaurant is celebrating 60 years in business with restaurant specials, including a $19.50 three-course menu that comes with a complimentary glass of Champagne. Other specials will be posted on the company’s Facebook and Twitter pages.


6. Center City District Restaurant Week


Philadelphia’s restaurant week runs through Sept. 17, and again Sept. 19-24. Participating restaurants will offer special three-course menus for $35, and three-course lunches for $20.


7. Lone Star Steakhouse


Save $7.50 off two entrees (except the two-for-$20 special) with a print out coupon. Participating locations only. Offer expires Sept. 26.


8. Restaurant.com


This week, coupon code “SPORK” at checkout gets you an extra 70% off already discounted gift certificates to local venues. The code expires Sept. 19. Restaurant.com usually prices $25 certificates at $10. (Spend $20 to get $50; $30 for $75, etc.) With the discount, you’ll pay just $3, $6, or $9. Each restaurant sets conditions regarding the number of diners, days and menu items a certificate can be used for, so check the fine print before you buy.


9. Taco Bueno


As part of Share Our Strength’s Dine Out fundraiser, Taco Bueno will offer coupon books for $2. Each book contains $5 in coupons for the chain. Offer good through Sept. 26.


10. Il Gatto


Every Monday, this Minneapolis restaurant offers 10 different wines for $10 per bottle, which the Star Tribune notes is less than the cost of many of the venue’s pizzas.


Frugal Foodie is a journalist based in New York City who spends her days writing about personal finance and obsessing about what she’ll have for dinner. Chat with her on Twitter through @MintFoodie.





I am a 25 year old college student (school, job + savings, back to school… long story) and boy do I wish I knew about all the resources available to me back then. Good for you for starting early!


Lucky for me I have 1 parent (divorced) who is so bad with money that I have been scared into financial responsibility from a young age. Was I perfect? Hahaha.. but I am doing better than 95% of my friends are right now so I guess I am doing something right?


Here is my advice:


1. GET A JOB! - 2 shifts a week is all it takes. I have friends who just graduated from college without ever having a job. Result? No work experience so nowhere will hire them. Some had problems even getting an internship! Try for customer service jobs. Employers value people skills more than flipping burgers.


2. BUDGET! - Cant teach an old dog new tricks so it is best to start young. Add up your monthly expenses such as rent/insurance/cell/gas/etc and divide by 2 or 4 (depending on weekly/bi-weekly payday). Put this money in savings and no touchy! Once you can live on that budget a certain % for an emergency fund and then % for savings. The rest is your “fun” money. As others have said: pizza, ipods, and clothes are “fun money” and NOT emergencies!


3. DEBIT, CREDIT, or CASH?


DEBIT- I am a die hard debit card user. My credit union has detailed (free) online banking. I check my online bank statement in the morning and at night and go over my spending. Think of it as an instant virtual slap in the face about your spending habits. It hurts for the best.


CASH - Some people just cant be responsible enough to respect the plastic and do better with cash. Try and keep bigger bills on you. Breaking a $5 is less mentally painful than breaking a $20. $1s are dangerous. That can of coke is “only $1″. $7 a week, $30 a month. It adds up.


CREDIT - Many say don’t get a credit card, but I disagree. If you are responsible college is a great time to build credit (unless you have some serious control issues… if that is the case, these are not the droids you are looking for…). Not building credit early is the BIGGEST regret I have. Good credit means better rates when buying a house or a car. Do your research first. Consider a student, or if you have to a secured card.


More about credit-


*Do NOT apply for a credit card on campus. It is like selling your soul for a candy bar. Every time you apply for a credit card they run a credit check, which “pings” you. Too many pings hurts your credit score. Not good. Friend did that at every kiosk that offered something free to sign up when she was 20. This was 7 years ago and her credit is still recovering! The same is true for store credit cards. Do.Not.WANT!

*Pick a required expense, such as gas or cell phone bill and put it on the credit card. Pay off the card at the end of each month. Repeat.

*Do NOT use your credit card to buy “fun money” purchases. No clothes, no ipods, no pizza. This is why you have your debit card of cash. Don’t even think about it mr.!


4. EATING/DRINKING - This is going to be the weird random one from one young person to another.(Part of this only applies to you on/after your 21st birthday!) The young person’s life revolves around being social. For a 20 something this normally involves dinner and/or drinks with friends. It is expensive! So much money can be saved if you plan ahead!


*Eating - Going out to eat is a much needed social experience but NEVER go out to eat starving! Just like you don’t go shopping when you are hungry you never want to experience the whole “eyes bigger than stomach” thing while dining out. Have a snack an hour or so before you meet friends for dinner. This will help you avoid ordering that $8 appetizer! Also, try and order things that reheat or are good cold. LEFTOVERS! Also, water is free. It is good for you! Coke is $3. Go buy yourself a 12 pack and have one when you get home.


*Drinking - Most 20 somethings drink. It is a very expensive part of our lives. It is a social event to help us forget about school and work. We like bars. Unfortunately $5 for a beer is highway robbery! NEVER go to a bar completely sober (when you are 21+ & no drinky + drivey!). Have a drink or 2 at home and then have a beer at the bar. You will save TONS. Also, bring cash to a bar. Only bring as much cash as your sober self would like to spend. Alcohol impairs judgment. Sober you will thank drunk you for not spending. Drunk you will thank sober you for being smart enough to make sure you can afford the advil to take care of that hangover the next day. It is a win win.


Put all that saved food and drink money towards something that will last.


5. BOOKS - Buy used whenever possible. Check online first because campus stores are normally a ripoff. Try and sell the books back online, even if they have released a new edition. Most student book stores on campus will only give you 1/2 of what someone online will be willing to give you!


6. CARS - Buy used and reliable, but not “cheap”. New cars lose tons of value when you drive them off the lot. Don’t buy a “cheap” used car on it’s last leg. Think Goldilocks - not too new, not too old, juuusssttt right! Save up as much money as possible. Pay for it in cash if you can. If not, save up at least 2/3 before purchasing and do your homework!


And whatever you do: AVOID parking tickets, speeding tickets, registration fines.. may as well light the money on fire! Or if you do not want it I will give it a nice home and save you the trouble.





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<b>News</b> - Lindsay Lohan Going Back to Jail Until Oct. 22 - Celebrity <b>...</b>

Los Angeles Superior Court Judge Elden S. Fox revokes her probation for failing at least one drug test.

After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Arab move to censure Israel stymied at UN meeting | Updated <b>News</b>

LATEST NEWS � Plane off runway in Sicily, 20 slightly injured � Arab move to censure Israel stymied at UN meeting � Small-town mayors targeted by Mexican drug gangs � Fla. bank robbers strap bomb to abducted teller � Belgian skydiver on ...


<b>News</b> - Lindsay Lohan Going Back to Jail Until Oct. 22 - Celebrity <b>...</b>

Los Angeles Superior Court Judge Elden S. Fox revokes her probation for failing at least one drug test.

After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Arab move to censure Israel stymied at UN meeting | Updated <b>News</b>

LATEST NEWS � Plane off runway in Sicily, 20 slightly injured � Arab move to censure Israel stymied at UN meeting � Small-town mayors targeted by Mexican drug gangs � Fla. bank robbers strap bomb to abducted teller � Belgian skydiver on ...


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<b>News</b> - Lindsay Lohan Going Back to Jail Until Oct. 22 - Celebrity <b>...</b>

Los Angeles Superior Court Judge Elden S. Fox revokes her probation for failing at least one drug test.

After Months of Speculation, Anisette Brasserie Bids Au Revoir <b>...</b>

Unfortunately, we called it. In an additional bout of shutter news, months and months after rumors swirled that Alain Giraud's Anisette Brasserie was about to call it quits, his...

Arab move to censure Israel stymied at UN meeting | Updated <b>News</b>

LATEST NEWS � Plane off runway in Sicily, 20 slightly injured � Arab move to censure Israel stymied at UN meeting � Small-town mayors targeted by Mexican drug gangs � Fla. bank robbers strap bomb to abducted teller � Belgian skydiver on ...



The 7 Habits Of Highly Effective Teens by kateraidt







The 7 Habits Of Highly Effective Teens by kateraidt






























personal finance programs


The State University of New York, which has 64 campuses, has agreed to a code of conduct developed by New York Attorney General Andrew Cuomo designed to safeguard students from unscrupulous marketing.



The code outlines steps schools should take to monitor and limit credit card marketing to students, according to Bloomberg News. Under the code, colleges would be required to offer financial literacy programs and not share personal information with credit card companies without permission.



Perhaps most importantly, the code bans agreements in which the school earns a percentage of finance charges imposed on students. Schools are being asked to select cards based on students' best interests if an exclusive marketing agreement is made with a credit card company, and must also monitor all credit card offers being marketed on campus.



Cuomo is investigating credit-card marketing practices that target college students through their institutions.



A 2009 survey by Sallie Mae found the average college student graduates with nearly $4,100 in credit card debt.

At a time when bailouts for America’s rich proceed unimpeded and Americans are left to fend for themselves, support for further subsidies for the rich is limited among the public. Gallup polling finds that a majority of Americans (56 percent) oppose extending the Bush-era tax cuts, which went overwhelmingly to the wealthiest of Americans. Just one in three support extending the cuts, despite the current rhetoric of the Republican Party.


Opposition to the Bush-era tax cuts is entirely rational among the public in light of the cuts’ failure to promote economic growth. The Bush tax cuts concentrated the greatest benefits toward the rich, and benefits for the affluent became even greater in their later years (during the 2008 to 2010 period specifically). They are set to expire this year, unless Democrats and Republicans in Congress renew them. Although massive amounts of cash from the cuts fell into the hands of America’s wealthiest one percent, these elites have looked at the increased volatility of today’s market and decided to hoard the cash instead of investing it. To make matters worse, extending the cuts will result in an additional transfer of $31 billion into the hands of America’s billionaires.


Labor economist Robert Reich argues that tax cuts directed at the rich do little to restore a vibrant economy. Providing an inconvenient historical analysis to the narrative forwarded by Republicans, Reich explains that from the 1951 to 1980 period, when marginal taxes were between 72 and 90 percent, average economic growth per year was at 3.7 percent. From 1983 through the recent recession – when tax cuts under Reagan and Bush were a mainstay of macro-economic policy, national yearly economic growth averaged 3 percent. Reich is not alone in his conclusion. My previous piece on the Bush tax cuts, drawing on data from the Economic Policy Institute points out that, during the period when Bush’s tax cuts were passed and when the economy began a recovery (following the dot.com crash of 2000), economic growth was generally significantly weaker than during previous economic cycles that weren’t characterized by mass tax cuts for the rich (http://www.media-ocracy.com/?p=1436). In short, there appears to be little evidence that massive subsidies to the rich are the magic formula for restoring an ailing economy. They do a lot to redistribute wealth, but little to promote short-term rapid growth, since they keep money out of the hands of those most likely to spend it right away – the working and middle class.


Tax cuts for the rich (and the cuts for business Obama is proposing) – as with cuts to the wealthy in the past – will do little-to-nothing to restore growth. The reason why is obvious enough: at a time when the masses are tapped out due to continued high levels of unemployment, massive layoffs, and high levels of personal debt, Americans have little incentive to spend without caution. Putting more money into the hands of the public (through a mass public employment program, for example, or other social welfare programs), would help in terms of stimulating spending and economic growth. What will not help are tax cuts aimed at businesses that have no incentive to increase production of goods and services because of the decreased ability of the mass public to afford such goods at a time when everyone is tightening their belts. All that tax cuts for the rich will do is further increase the already appalling depression-level inequality that exists in this country. Besides, business elites have been sitting on a mountain of cash for some time now. If they haven’t invested that money by hiring new workers, there’s little reason to expect that they will do so following another infusion of tax cuts. Corporations like the pharmaceutical giant Pfizer are sitting on more than $26 billion in cash, refusing to reinvest it in job growth. Pfizer isn’t alone either. Fortune reports that non-finance companies in the S&P 500 are holding $837 billion in cash, a growth of 26% since 2009, at a time when the economy limps along and the state mass layoffs for public workers are becoming more common. This level of cash reserves is far outside normal levels from years past, and is unconscionable at a time when these companies should be hiring new workers and focusing on expansion.


As political scientists Jacob Hacker and Paul Pierson show in their book Off Center: the Republican Revolution and the Erosion of American Democracy, the public has opposed tax cuts for the rich for at least the last ten years. Most would rather see government expand its responsibilities to assist the masses and less fortunate through the expansion of broad based social welfare programs. This lesson may stand at odds with Republican-conservative propaganda framing the public as moving to the right in the midst of a Tea Party revolution, but there is little reason to take these pronouncements seriously in light of decades of public opinion data showing longstanding public support for many individual social welfare programs (for more on this data, see the recent books by Martin Gilens, Benjamin Page, and Robert Shapiro, titled Why Americans Hate Welfare and Class War? What Americans Really Think about Economic Inequality).


Corporate America’s gravy train of bailouts and business tax cuts have enabled a culture of entitlement among America’s rich and a callousness that justifies massive layoffs, pursued alongside record executive and CEO bonuses. The pillaging of public funds for private gain is unlikely to stop in the near future in light of what appear to be imminent mass gains in Republican Congressional seats this fall.


Anthony DiMaggio is the editor of media-ocracy (www.media-ocracy.com), a daily online magazine devoted to the study of media, public opinion, and current events. He has taught U.S. and Global Politics at Illinois State University and North Central College, and is the author of When Media Goes to War (2010) and Mass Media, Mass Propaganda (2008). He can be reached at: mediaocracy@gmail.com




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Official Google Blog: Google <b>News</b> turns eight

Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

Pentax announces price and availibilty for 645D camera: Digital <b>...</b>

Pentax announces price and availibilty for 645D camera: Photokina 2010: Pentax has announced its 645D medium format digital camera will start shipping globally from December 2010. The camera will sell at a retail price of $9999.99 for ...

MOH beta to &quot;clear up misunderstanding&quot; PC <b>News</b> - Page 1 <b>...</b>

Read our PC news of MOH beta to. ... Eurogamer tested the Medal of Honor single-player campaign earlier this month, and then sat down executive producer Greg Goodrich for a chat. Oh Tiery me. Got a tip? Email news@eurogamer.net. ...


Official Google Blog: Google <b>News</b> turns eight

Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

Pentax announces price and availibilty for 645D camera: Digital <b>...</b>

Pentax announces price and availibilty for 645D camera: Photokina 2010: Pentax has announced its 645D medium format digital camera will start shipping globally from December 2010. The camera will sell at a retail price of $9999.99 for ...

MOH beta to &quot;clear up misunderstanding&quot; PC <b>News</b> - Page 1 <b>...</b>

Read our PC news of MOH beta to. ... Eurogamer tested the Medal of Honor single-player campaign earlier this month, and then sat down executive producer Greg Goodrich for a chat. Oh Tiery me. Got a tip? Email news@eurogamer.net. ...


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Official Google Blog: Google <b>News</b> turns eight

Today we celebrate the eighth birthday of Google News. Not long after the tragic events of September 11, 2001, we started building and testing Google News with the aim of helping you find current events from a wide variety of global and ...

Pentax announces price and availibilty for 645D camera: Digital <b>...</b>

Pentax announces price and availibilty for 645D camera: Photokina 2010: Pentax has announced its 645D medium format digital camera will start shipping globally from December 2010. The camera will sell at a retail price of $9999.99 for ...

MOH beta to &quot;clear up misunderstanding&quot; PC <b>News</b> - Page 1 <b>...</b>

Read our PC news of MOH beta to. ... Eurogamer tested the Medal of Honor single-player campaign earlier this month, and then sat down executive producer Greg Goodrich for a chat. Oh Tiery me. Got a tip? Email news@eurogamer.net. ...



12th Annual Charity Golf Tournament benefitting the Eureka Camp Society-Apex Secondary School-presented by SNC LAVALIN Pacific Liaicon and Associates Benefitting the Eureka Camp Society-Apex Secondary School photos by Ron Sombilon Gallery (178) by Ron Sombilon Gallery







12th Annual Charity Golf Tournament benefitting the Eureka Camp Society-Apex Secondary School-presented by SNC LAVALIN Pacific Liaicon and Associates Benefitting the Eureka Camp Society-Apex Secondary School photos by Ron Sombilon Gallery (178) by Ron Sombilon Gallery






























Saturday, September 18, 2010

managing your personal finances





Are you a fan of the GTD personal productivity system? Well if you like "Getting Things Done," here's GFD, Getting Finances Done, which shows you how to map David Allen's same principals to managing your personal finance and achieving your financial goals.



Applying GTD principles to your personal finances - Part 1 [Getting Finances Done]










Are you a fan of the GTD personal productivity system? Well if you like "Getting Things Done," here's GFD, Getting Finances Done, which shows you how to map David Allen's same principals to managing your personal finance and achieving your financial goals.



Applying GTD principles to your personal finances - Part 1 [Getting Finances Done]







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Fox <b>News</b>, Chris Wallace Sue Robin Carnahan For Ad Featuring <b>...</b>

Fox News and anchor Chris Wallace have jointly filed a lawsuit against Missouri Democratic Senate candidate Robin Carnahan in response to her latest ad, which features a 2006 interview between Wallace and her opponent, Rep. Roy Blunt.

Small Business <b>News</b>: Small Biz Bill Passed

So what do you think of the new small business bill passed recently in the US Senate? Supporters are no doubt high-fiving each other and congratulating.

<b>News</b> from across the pond: Russell Brand allegedly attacks a <b>...</b>

Russell Brand allegedly attacks a photographer: here Kim Kardashian's body worries: here Justin Bieber's love for him mom: here 201009.



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Tuesday, September 14, 2010

personal finance planning





I've read a lot of stores lately about "credit score enthusiasts" who want to get the perfect credit score or are obsessed with improving their score. While it's certainly better than not caring about your credit score at all, it almost never pays to get a perfect score.



Despite all the stories about the odd ways your score is being used, the reality is that once you have a good credit score, you don't need to obsess about it.



Consider this - if your score is better than 760, then Fair Isaac Corporation, the company that invested the credit score formula; says you get zero benefit from improving it. For mortgage interest rate purposes, a 761 is the same as an 850. For auto loans, the bar is even lower. If you have a score about 720, it's the same as having a perfect score of 850. Visit their site and look in the right hand column - there's a table listing FICO scores and APRs for 30-year fixed mortgages, 15-year fixed mortgages, and 36-month auto loans.



If you are planning on getting a loan in the next year or two and your score is close to the next tier, by all means try to improve it. If you aren't planning on getting a loan and you have a decent score, focus your energies on something else. I assure you that you will get a better return doing something other than obsessing about your credit score.



Jim writes about personal finance at Bargaineering.com.











Would you like to have these great bargains delivered right to your inbox? Join over 57,000 fellow deal seekers and subscribe to Deal Seeking Mom. Also become a fan of Deal Seeking Mom on Facebook for more conversation, additional deals and a peek at the freebies I receive in the mail. Thanks for visiting!



Freebie Friday is provided by Wendi, who blogs at TheFreebieBlogger, where she finds you 100% free items each and every day.



  • Logical Nutrition is offering a FREE Revitalize Health Supplement sample. Just put "sample request" and you mailing address in the "How Can We Help?" box.



  • Request a FREE Pregnancy Planner that helps prepare you for each trimester and for when baby comes home. It includes a 10-month calendar section to record checkups and other notes.



  • Sign up to receive two FREE Wysong Epigen Cat or Dog Food Samples. You can choose from chicken, fish or venison.



  • Walmart is offering a FREE two-day Prevacid 24HR sample for the treatment of heartburn to those who qualify.



  • Those with children can sign up with Publix Preschool Pals to receive freebies, coupons and more. This offer is available to select states.



  • Mercury Magazines is offering a FREE Forbes Investors’ Guide to those who qualify. This guide offers tips on investing and financial planning during volatile times.



  • Kids ages 8 to 18 years old can get a FREE Young Eagles Flight and become one of over a million Young Eagles. Be sure to find a volunteer in your area.



  • Sun Laboratories is offering a FREE self-tanning product samples. They do not mention which product you will receive.



  • If you love Taylor Swift, you can download three of her songs for FREE: Love Story, Fifteen and You’re Not Sorry.



  • Stand Up For The Troops is offering a FREE comedy CD download to those with a valid military ID number. Comics include Adam Sandler, Chris Rock, Jeff Foxworthy and Kevin James.



  • PracticalMoneySkills.com offers many FREE materials including a Practical Money Skills CD ROM, Financial Soccer & Financial Football CD Roms (to teach students personal finance skills) and more.



  • Astroglide is offering a FREE Natural Personal Lubricant sample for a limited time.


See the previous freebie roundups for more free sample offers that are still available!


As always, make sure you’re protecting your personal information when you’re signing up for freebies.


–––––––––––––––––––––––––––––––––––––––––––––––––––––

Every Friday I’ll start a new post with a Mr. Linky for you all to share your fabulous freebie finds with Deal Seeking Mom readers! If you have a freebie you’d like to list, just leave your link below.


To keep it neat, I suggest that you list your blog name and then the freebie you've found in parentheses, ex. Deal Seeking Mom (Free Toilet Paper Sample). The only requirement is that you link directly to your post on the freebie. Links directly to your homepage will be deleted.




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Social networks as a source of daily <b>news</b> - Lost Remote

A new study by the Pew Research Center says that Americans are consuming more news than ever, with continued growth online — 34% said they went online for their news yesterday. When you add mobile, email and social networks to the ...

CBS <b>News</b> launches dedicated iPad app

iPad owners looking for CBS News content now have a free app for that. CBS is following the lead of ABC News with an app that caters to the dimensions of the iPad. The CBS News app features an easy to use interface that includes stories ...

Pew Research: More People Got Their <b>News</b> Online Yesterday Than <b>...</b>

The Pew Research Center, which regularly surveys US consumers about their media consumption habits, put out a report which shows that more people are getting their news online than from print newspapers. In response to a survey question ...



 by Julia Delligatti


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Social networks as a source of daily <b>news</b> - Lost Remote

A new study by the Pew Research Center says that Americans are consuming more news than ever, with continued growth online — 34% said they went online for their news yesterday. When you add mobile, email and social networks to the ...

CBS <b>News</b> launches dedicated iPad app

iPad owners looking for CBS News content now have a free app for that. CBS is following the lead of ABC News with an app that caters to the dimensions of the iPad. The CBS News app features an easy to use interface that includes stories ...

Pew Research: More People Got Their <b>News</b> Online Yesterday Than <b>...</b>

The Pew Research Center, which regularly surveys US consumers about their media consumption habits, put out a report which shows that more people are getting their news online than from print newspapers. In response to a survey question ...


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 by Julia Delligatti































personal finance planning


When Crepes Bonaparte was first approached by the Food Network to participate in the Great Food Truck Race, in which seven acclaimed food trucks compete for the highest sales in various cities across America (and a grand prize of $50,000), Murcia jumped at the chance to compete against some of the other well-known trucks from across the country. As Murcia puts it, “It was an opportunity to test our abilities against some of the most successful food trucks out there.” Spoken like a true competitor. Of course, arriving on the first day of the competition to be greeted by famed chef Tyler Florence was no doubt an exhilarating experience for the show’s contestants. Murcia recalls, “We were a little nervous because it was a little intimidating. You know…you show up, and there’s Tyler Florence!”



Two of the six Great Food Truck Race episodes have aired to date. The first episode took Crepes Bonaparte and the competition to San Diego, California, where Murcia had his first taste of the challenges that were to come: “We were thrown into an environment of, ‘OK, you’re going to San Diego…GO!’ so it was very rushed to figure out what to do. We were planning literally as we were on our way to San Diego.” Murcia also recalls the challenges met in the second episode’s trip to Santa Fe, New Mexico: “We ran out of food like three times, so we had to keep buying more food! It’s tough to know how many people to prep for when you’re in a place where you don’t know what your sales are going to be.”



One can’t help but wonder how the dynamics were between the contestants off-camera in such a competitively-charged atmosphere while on the show. Murcia explains, “When we were selling, we were competitors. We didn’t talk at the end of the day about who had done what in terms of sales…but we’re all great friends. We all got to try each other’s food, and it was all delicious.”



Also featured on the show as a key member of team Crepes Bonaparte is Murcia’s then-fiancé Danielle. Now married, Murcia jokes, “We spend more time together as a couple than I think any other couple out there.” Despite the long hours logged side by side, the duo works very well together. Murcia explains, “I’m more the numbers, finance guy who has to do all the paychecks, HR, and permitting, and Danielle is very much our marketing and operations person. Because we work so much, it’s a great way to spend that time together.”



Of course, operating a food truck presents its own challenges, television show or not. The most challenging aspect of the business for Murcia is simply working within such a small physical space. Murcia explains, “Dealing with a small kitchen and operating a full service catering business out of here as well is the biggest challenge. We are constantly dealing with never having enough refrigerator space, and having to get creative with how to position things in the fridge and make it work.”



Challenges aside, Crepes Bonaparte has benefited from the exposure gained through the show, if not a few borderline-obsessed fans. Murcia laughs, “We do a farmer’s market in Anaheim, and one lady literally shoved her cell phone in the truck and was like, ‘I have to take a picture of you!’ I thought, ‘Whoa, that’s a first!’ When people come by the truck who have seen the show and say, ‘Oh, I’m rooting for you guys,’ it has made our work environment that much more fun.” Call it irony, but Murcia has yet to watch any of the episodes of the Great Food Truck Race. “I don’t have cable!” he confesses.



Murcia first conceptualized Crepes Bonaparte as an undergraduate student at the University of Southern California. Lacking the big dollars required to open a full fledged restaurant, Murcia first operated Crepes Bonaparte as a catering firm specializing in crepe stations, with the hope of evolving into to a restaurant in the future (catering still comprises 30% of the business). Of course, given the popularity and expansion of the food truck industry over the past few years, Murcia is content with current operations: “As of now, I plan on staying with the food truck, and just seeing it out because it’s still such a new trend. We don’t really know exactly where it’s going…we’re all learning.”



Behind the beret, Murcia is a businessman with a passion for providing customers with crepes just the way they are in France: “simple, cheap, and on-the-go.” Murcia reflects, “Every time I see a Yelp or blogger review about us, I feel like we’ve done that part right. So I think that’s the most rewarding part of the business. Even though I have these ideas of how I want my business to look in my head, the consumer gets it, and it reminds me that OK, I’m doing what I meant to do.”



Maryn Nelson Moslenko is an OC-based food blogger who writes Le Cupcakerie. The Great Food Truck Race airs Sundays at 9 on the Food Network.



Would you like to have these great bargains delivered right to your inbox? Join over 57,000 fellow deal seekers and subscribe to Deal Seeking Mom. Also become a fan of Deal Seeking Mom on Facebook for more conversation, additional deals and a peek at the freebies I receive in the mail. Thanks for visiting!



Freebie Friday is provided by Wendi, who blogs at TheFreebieBlogger, where she finds you 100% free items each and every day.



  • Logical Nutrition is offering a FREE Revitalize Health Supplement sample. Just put "sample request" and you mailing address in the "How Can We Help?" box.



  • Request a FREE Pregnancy Planner that helps prepare you for each trimester and for when baby comes home. It includes a 10-month calendar section to record checkups and other notes.



  • Sign up to receive two FREE Wysong Epigen Cat or Dog Food Samples. You can choose from chicken, fish or venison.



  • Walmart is offering a FREE two-day Prevacid 24HR sample for the treatment of heartburn to those who qualify.



  • Those with children can sign up with Publix Preschool Pals to receive freebies, coupons and more. This offer is available to select states.



  • Mercury Magazines is offering a FREE Forbes Investors’ Guide to those who qualify. This guide offers tips on investing and financial planning during volatile times.



  • Kids ages 8 to 18 years old can get a FREE Young Eagles Flight and become one of over a million Young Eagles. Be sure to find a volunteer in your area.



  • Sun Laboratories is offering a FREE self-tanning product samples. They do not mention which product you will receive.



  • If you love Taylor Swift, you can download three of her songs for FREE: Love Story, Fifteen and You’re Not Sorry.



  • Stand Up For The Troops is offering a FREE comedy CD download to those with a valid military ID number. Comics include Adam Sandler, Chris Rock, Jeff Foxworthy and Kevin James.



  • PracticalMoneySkills.com offers many FREE materials including a Practical Money Skills CD ROM, Financial Soccer & Financial Football CD Roms (to teach students personal finance skills) and more.



  • Astroglide is offering a FREE Natural Personal Lubricant sample for a limited time.


See the previous freebie roundups for more free sample offers that are still available!


As always, make sure you’re protecting your personal information when you’re signing up for freebies.


–––––––––––––––––––––––––––––––––––––––––––––––––––––

Every Friday I’ll start a new post with a Mr. Linky for you all to share your fabulous freebie finds with Deal Seeking Mom readers! If you have a freebie you’d like to list, just leave your link below.


To keep it neat, I suggest that you list your blog name and then the freebie you've found in parentheses, ex. Deal Seeking Mom (Free Toilet Paper Sample). The only requirement is that you link directly to your post on the freebie. Links directly to your homepage will be deleted.




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Martin's West by Julia Delligatti



When Crepes Bonaparte was first approached by the Food Network to participate in the Great Food Truck Race, in which seven acclaimed food trucks compete for the highest sales in various cities across America (and a grand prize of $50,000), Murcia jumped at the chance to compete against some of the other well-known trucks from across the country. As Murcia puts it, “It was an opportunity to test our abilities against some of the most successful food trucks out there.” Spoken like a true competitor. Of course, arriving on the first day of the competition to be greeted by famed chef Tyler Florence was no doubt an exhilarating experience for the show’s contestants. Murcia recalls, “We were a little nervous because it was a little intimidating. You know…you show up, and there’s Tyler Florence!”



Two of the six Great Food Truck Race episodes have aired to date. The first episode took Crepes Bonaparte and the competition to San Diego, California, where Murcia had his first taste of the challenges that were to come: “We were thrown into an environment of, ‘OK, you’re going to San Diego…GO!’ so it was very rushed to figure out what to do. We were planning literally as we were on our way to San Diego.” Murcia also recalls the challenges met in the second episode’s trip to Santa Fe, New Mexico: “We ran out of food like three times, so we had to keep buying more food! It’s tough to know how many people to prep for when you’re in a place where you don’t know what your sales are going to be.”



One can’t help but wonder how the dynamics were between the contestants off-camera in such a competitively-charged atmosphere while on the show. Murcia explains, “When we were selling, we were competitors. We didn’t talk at the end of the day about who had done what in terms of sales…but we’re all great friends. We all got to try each other’s food, and it was all delicious.”



Also featured on the show as a key member of team Crepes Bonaparte is Murcia’s then-fiancé Danielle. Now married, Murcia jokes, “We spend more time together as a couple than I think any other couple out there.” Despite the long hours logged side by side, the duo works very well together. Murcia explains, “I’m more the numbers, finance guy who has to do all the paychecks, HR, and permitting, and Danielle is very much our marketing and operations person. Because we work so much, it’s a great way to spend that time together.”



Of course, operating a food truck presents its own challenges, television show or not. The most challenging aspect of the business for Murcia is simply working within such a small physical space. Murcia explains, “Dealing with a small kitchen and operating a full service catering business out of here as well is the biggest challenge. We are constantly dealing with never having enough refrigerator space, and having to get creative with how to position things in the fridge and make it work.”



Challenges aside, Crepes Bonaparte has benefited from the exposure gained through the show, if not a few borderline-obsessed fans. Murcia laughs, “We do a farmer’s market in Anaheim, and one lady literally shoved her cell phone in the truck and was like, ‘I have to take a picture of you!’ I thought, ‘Whoa, that’s a first!’ When people come by the truck who have seen the show and say, ‘Oh, I’m rooting for you guys,’ it has made our work environment that much more fun.” Call it irony, but Murcia has yet to watch any of the episodes of the Great Food Truck Race. “I don’t have cable!” he confesses.



Murcia first conceptualized Crepes Bonaparte as an undergraduate student at the University of Southern California. Lacking the big dollars required to open a full fledged restaurant, Murcia first operated Crepes Bonaparte as a catering firm specializing in crepe stations, with the hope of evolving into to a restaurant in the future (catering still comprises 30% of the business). Of course, given the popularity and expansion of the food truck industry over the past few years, Murcia is content with current operations: “As of now, I plan on staying with the food truck, and just seeing it out because it’s still such a new trend. We don’t really know exactly where it’s going…we’re all learning.”



Behind the beret, Murcia is a businessman with a passion for providing customers with crepes just the way they are in France: “simple, cheap, and on-the-go.” Murcia reflects, “Every time I see a Yelp or blogger review about us, I feel like we’ve done that part right. So I think that’s the most rewarding part of the business. Even though I have these ideas of how I want my business to look in my head, the consumer gets it, and it reminds me that OK, I’m doing what I meant to do.”



Maryn Nelson Moslenko is an OC-based food blogger who writes Le Cupcakerie. The Great Food Truck Race airs Sundays at 9 on the Food Network.



Would you like to have these great bargains delivered right to your inbox? Join over 57,000 fellow deal seekers and subscribe to Deal Seeking Mom. Also become a fan of Deal Seeking Mom on Facebook for more conversation, additional deals and a peek at the freebies I receive in the mail. Thanks for visiting!



Freebie Friday is provided by Wendi, who blogs at TheFreebieBlogger, where she finds you 100% free items each and every day.



  • Logical Nutrition is offering a FREE Revitalize Health Supplement sample. Just put "sample request" and you mailing address in the "How Can We Help?" box.



  • Request a FREE Pregnancy Planner that helps prepare you for each trimester and for when baby comes home. It includes a 10-month calendar section to record checkups and other notes.



  • Sign up to receive two FREE Wysong Epigen Cat or Dog Food Samples. You can choose from chicken, fish or venison.



  • Walmart is offering a FREE two-day Prevacid 24HR sample for the treatment of heartburn to those who qualify.



  • Those with children can sign up with Publix Preschool Pals to receive freebies, coupons and more. This offer is available to select states.



  • Mercury Magazines is offering a FREE Forbes Investors’ Guide to those who qualify. This guide offers tips on investing and financial planning during volatile times.



  • Kids ages 8 to 18 years old can get a FREE Young Eagles Flight and become one of over a million Young Eagles. Be sure to find a volunteer in your area.



  • Sun Laboratories is offering a FREE self-tanning product samples. They do not mention which product you will receive.



  • If you love Taylor Swift, you can download three of her songs for FREE: Love Story, Fifteen and You’re Not Sorry.



  • Stand Up For The Troops is offering a FREE comedy CD download to those with a valid military ID number. Comics include Adam Sandler, Chris Rock, Jeff Foxworthy and Kevin James.



  • PracticalMoneySkills.com offers many FREE materials including a Practical Money Skills CD ROM, Financial Soccer & Financial Football CD Roms (to teach students personal finance skills) and more.



  • Astroglide is offering a FREE Natural Personal Lubricant sample for a limited time.


See the previous freebie roundups for more free sample offers that are still available!


As always, make sure you’re protecting your personal information when you’re signing up for freebies.


–––––––––––––––––––––––––––––––––––––––––––––––––––––

Every Friday I’ll start a new post with a Mr. Linky for you all to share your fabulous freebie finds with Deal Seeking Mom readers! If you have a freebie you’d like to list, just leave your link below.


To keep it neat, I suggest that you list your blog name and then the freebie you've found in parentheses, ex. Deal Seeking Mom (Free Toilet Paper Sample). The only requirement is that you link directly to your post on the freebie. Links directly to your homepage will be deleted.




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Martin's West by Julia Delligatti


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