Get Paid to Buy Bluehost Web Hosting via Swagbucks

September 26th, 2016  |  Published in General  |  Comments Off on Get Paid to Buy Bluehost Web Hosting via Swagbucks

If you’re reading this after 9/27/16 then the limited time offer is over and you can sign up for Bluehost through this referral link. You won’t make money for buying the hosting, but you will get a good deal on web hosting.

You can make up to $44 buying Bluehost web hosting with a special limited time Swagbucks offer. Follow the steps as listed and you should receive 8,000 SB which are good for over $80 in Amazon gift cards of $80 through PayPal.

1. Log in to your Swagbucks account. If you haven’t yet signed up for Swagbucks please sign up through my referral link. It will make me a few extra SB and won’t cost you anything.

2. Once you’re logged in look for the Bluehost offer on the Swagbucks home page. If you don’t see it you can go straight to the Swagbucks Bluehost offer page and you should get the deal.

3. Sign up for the $2.95 basic plan for one year. There are additional options you can choose if you want. Doing so will reduce the amount of money you make from this offer.

4. If you chose the $2.95 basic plan for one year and declined the additional options your total should be $35.40.

5. Your Swagbucks account will be credited with 8,000 SB within 32 days.

That is all you have to do to make $44. It might be possible to make a little more money by canceling the hosting after 30 days. I’m not going to try that myself.

Here is the small print from the Swagbucks offer.

Offer valid 09/26/16 12:00am MST through 09/27/16 11:59pm MST . Please allow 32 days for SB to credit. Cancellations prior to 30 days will not earn SB. This offer may only be redeemed (1) one time per user. This offer is presented to you by Swagbucks on behalf of a third-party merchant or sponsor (“Merchant”). Swagbucks does not endorse (and therefore is not responsible to you for) the Merchant’s views, policies, products or services. Have questions? Please contact the Swagbucks Help Center.

Dating After 60

January 27th, 2015  |  Published in General  |  1 Comment

Are you among the majority of singles over 60 who feel you can not fit in today’s dating scene? Been so long since you meet someone on a romantic level that you think maybe you do not know how to prepare and what to expect. It is not easy to be out of the game of seduction, especially when you feel you slouch when you see those sweet couple cuddling while watching a romantic movie in the park, or happily taking a walk while holding hands. But did you know that these days more and more mature people these days are joining dating sites online?  There are special dating sites that are just for dating for people over 60 who are hoping that they will get to know that special someone.

So now you’ve met a potential date, but the question is whether the decision to make the occasion a night (or day) to remember? Starting something new can be a bit challenging, especially when you’re one over 60 who wants to get back into the dating world. Like any other kind of dating, you need to think of an activity that will make the experience more memorable. This is why a lot of people over 60 years of age often meet in groups, where people share a bit of fun, fellowship, and common interests with participants gather. Think social activities like joining book clubs, play duplicate bridge or the ever popular bingo: hobbies will make your day a little more exciting and you will also be able to socialize and make friends with new people too.

As people age, their life circumstances change and often find themselves alone, while those around them family and friends are busy with their daily lives. They are living in difficult times, so you have to find company for meeting new people around. Many singles over 60 years  find company group events, where they are able to meet new people, enjoy amazing conversations with new friends and share some fun. At these meetings, people are in a good mood, and others are often there to meet other people too. Note that even though you are in your sixties, there is still plenty of fun to be had connecting with others, and you are never too old to make new friends.

What Is A Living Benefits Life Insurance Rider?

December 9th, 2014  |  Published in General  |  Comments Off on What Is A Living Benefits Life Insurance Rider?

Having life insurance is the peace of mind every family needs to have. A family member can ensure their dependents do not have to take on their financial burdens and can have enough money to sustain and get their lives in order.

As we progress with new healthcare technologies to sustain our lives during certain critical illnesses, this does increase current medical expenses. Insurance companies have realized this and understand the needs that consumers have for more insurance products and services. That’s why many life insurance plans have an add-on policy called “riders.”

Understanding What a Rider Provides

A rider is an add-on policy to add additional benefits and protection to a life insurance policy. An owner can in essence create the best plan to cover their family’s needs. Some must be requested while others are automatically included. If there is an additional cost, it’s quite low.

What is a Living Benefits Rider?

A Living Benefits Rider (LBR) or Accelerated Payout Rider is an additional benefit that the policy owner can collect while they are living if they have been diagnosed with a terminal illness. It’s meant to help the insured live as comfortable a life as possible until their last day. An owner would have access to the cash value in the event of a chronic illness or terminal illness.

How Can a Living Benefits Rider Help?

Having a critical illness, there are treatments, prescriptions, in-home care, and hospitalization expenses to cover. The insured may not be able to work and help cover mortgage, utility, and other home expenses. The LBR will pay out, and a person can use the money however they see fit. So if they want to take their family on vacation, this is also acceptable.

How Much Can I Get with the Rider?

Every life insurance provider handles their LBR differently. In general, you can expect to receive 25% to 95% of the death benefit. The actual payment will depend upon your policy’s face value, your contract terms, and the state you reside in.

If you were to access your life insurance funds via a policy surrender or a policy loan, you would get approved for funds based on your cash value. The Living Benefits Rider is different in that you will get approved for funds based on your policy’s face value. So in most situations, the LBR will provide you with the most funding.


How to Save Money Eating Out

October 3rd, 2014  |  Published in General  |  Comments Off on How to Save Money Eating Out

Eating out is a convenience, but it is also expensive. When you have a family to feed, you need to look for the best deals to save the most money and make sure everyone has enough to eat.  For busy families, eating out is sometimes a better option just to save time and get everyone in bed at the right time. Below are some tips for saving money while eating out. You may feel some of these tips are common sense but you’d be surprised how much people spend on things they don’t need.

Use Groupon

Groupon has local deals with a variety of restaurants in each area. These deals are generally at least 50-percent less than what you would pay without the discount. You can find deals on everything from pizza shops to dessert places. Groupon sends daily emails to let you know what is available that day.

Look for Restaurant Specific Coupons

Some local restaurants, and even fast food locations, send coupons regularly in junk mail and Sunday newspapers. Some deals are also posted on their individual websites and/or social media. In order to take advantage of these discounts and meal packages, be sure to look through the advertisements as they come in.

Share an Entrée

Consider going to a restaurant that offers large portions. Pasta houses and pizza parlors are the ideal option for this. Most have salads that come with the meals, so that is ideal. Order an extra salad and split the entrée. This saves nearly 50-percent. Also consider water instead of a regular beverage, since those beverages are highly overpriced as it is.

Go out on Kids Eat Free Nights Only

Many franchises and even some local establishments offer kids eat free night. You’ll receive their meals free for ordering adult entrees. This is the way that most families on a budget are able to afford going out to eat. It’s a special treat. The restaurants usually offer these nights on their slowest of the week to help get business through the door. It isn’t really a financial loss to them since the cost of the adult meals often covers the small portions that children consume.

Saving money on eating out helps you to take a break from the kitchen and enjoy some family time. Using discounts does lower the restaurant’s profit but keep in mind, they only offer coupons that they can afford to offer. They still make a profit. Most restaurants have a food cost of 30-percent or less as 20-percent is average. Plan your meals around the nights when you can afford to eat out and take advantage of the discounts available whenever possible.

Two Free Retirement Books

June 3rd, 2013  |  Published in General  |  2 Comments

Mike Piper of Oblivious Investor, is offering the Kindle version of his book, Can I Retire? , for free until Wednesday. If you want the paper edition the cost will be $5. This is a new edition of the book. He states that if you already own the book you don’t really need to get the new edition. But if you can get the new one for free it doesn’t hurt anything to update.

The Kindle version, of the book, Retiring Sooner: How to Accelerate Your Financial Independence, is also free until Wednesday. The paper edition is on sale for $5 until Wednesday. The book is by Darrow Kirkpatrick of I haven’t read his blog or book yet so I’m looking forward to reading this.

My “Stretch IRA” post was included in this week’s Carnival of Financial Independence at Reach Financial Independence.

Retirement and the Fiscal Cliff

December 14th, 2012  |  Published in General  |  2 Comments

With all of the talk about the fiscal cliff lately you might be wondering how your retirement would be affected if the fiscal cliff does actually happen.  The fiscal cliff generally refers to the tax cuts that will expire and the automatic spending cuts that will kick in if Congress is not able to reach an agreement on how to avoid them by December 31, 2012.

The stock market has already sustained losses due to the uncertainty surrounding the fiscal cliff.  If the fiscal cliff isn’t avoided it is likely the stock market will go down even further.  This would result in many people seeing the values of their IRA or other retirement plans go down. Other concerns are that if an agreement is reached that it will contain reductions in Medicare and/or Social Security or a boosting of the age requirement for filing for Medicare and/or Social Security benefits.  It is clear that something needs to be done but many people are not financially prepared for any reduction in either Medicare or Social Security benefits.

It seems unlikely that the age requirement will be raised now but it is still a distinct possibility for the future.  It would be wise to make your retirement plans assuming that your benefits will be reduced and/or delayed.  If that doesn’t happen then you will have a nice bonus amount in your retirement savings.  If benefits are reduced and/or delayed and you haven’t budgeted for them then you will be in a financial pickle and looking at a reduced standard of living in your retirement years.  Or you could possibly delay retirement, assuming that you are still in good enough condition to continue working.

A more likely outcome of the fiscal cliff negotiations is that Medicare premiums will rise significantly. When preparing for retirement you need to set aside extra money for health care expenses.  Unplanned for medical expenses could easily derail your retirement plans.  It is also smart to get into shape to help reduce your chances of having health complications.

Whether we go off a fiscal cliff or not changes will likely be made in the future that will put more of the financial burden of retirement on retirees. Prudent retirement investors will increase their retirement savings or make other plans to address higher Medicare premiums and reduced Social Security benefits.


Top 5 Free Money Saving Apps

October 18th, 2012  |  Published in General  |  2 Comments

Personal finance expert Jean Chatzky lends AARP The Magazine her money saving expertise, here is her list of the 5 best money-saving mobile applications. Read more at


How You Save: Helps you learn if you can get a better deal elsewhere — on almost anything

How It Works: You scan the bar code of an item, and the app shoots back prices from competing stores and online merchants. See a better price? Use the app to buy the item, and some stores will have it waiting when you arrive. Bonus trick: Scan a book’s bar code, and the app finds nearby libraries with a copy.

Why Jean Loves It: It gives me peace of mind. I feel new confidence that I’m getting the lowest price possible.

2.     SLICE

How You Save: Organizes online-shopping email, such as order confirmations and shipping info

How It Works: You provide up to five addresses where you get email (they can be Gmail, Yahoo!, AOL, Hotmail or iCloud/MobileMe). The app sorts through your in-boxes to gather and organize all your shopping-related messages, including receipts for online purchases and vouchers from daily-deal sites.

Why Jean Loves It: It saves me a headache! I don’t have to search my email in-box for receipts, and I can track packages easily.


How You Save: Helps you search for — and then redeem — coupons

How It Works: You browse for online, printable or mobile coupons by retailer or product type, either on or via the mobile app. Take printable coupons to the store the old-fashioned way; for mobile coupons, just show your phone to the cashier to get the savings.

Why Jean Loves It: I get the savings without investing hours clipping and organizing. And no rifling through an envelope at checkout.

4.     KEY RING

How You Save: Makes sure you’ve always got your loyalty-card data on hand at checkout

How It Works: You scan your loyalty cards with your smartphone, then put them away. When you pay for something in a store, the cashier scans your smartphone’s screen to get your loyalty-account information. You can also use the app to sign up for other loyalty programs.

Why Jean Loves It: I have a lighter key chain, plus an Rx Savings extra that can shave 10 to 75 percent off Food and Drug Administration — approved medications.

5.     WAZE

            How You Save: Lowers your gas-pump bills by steering you around traffic jams

            How It Works: You drive around with the app open. Your phone automatically reports your speed to a central database based on GPS readings. Other drivers’       phones are doing this too, giving you all real-time updates on local traffic. If there’s a backup ahead, you get a voice alert suggesting another route.

            Why Jean Loves It:  I save on more than just gas: With less time at the wheel, I have more time to spend at home.

The New Three-Legged Stool – Book Giveaway

October 10th, 2012  |  Published in General  |  5 Comments

I’m giving away a copy of the book, The New Three-Legged Stool: A Tax Efficient Approach to Retirement Planning.

If you would like to win a copy of The New Three-Legged Stool: A Tax Efficient Approach to Retirement Planning (Wiley Trading) just leave a comment on this post. The winner will be drawn at random on October 17,2012. One entry per reader. You must have a U.S. mailing address in order to keep my mailing costs down. Other rules will be implemented as necessary to maintain fairness.

You can also enter the visit Investorz Blog to enter The Complete Idiot’s Guide to Stock Investing Book Giveaway.



Answering Your Mortgage Questions – What You Need to Know

August 24th, 2012  |  Published in General  |  3 Comments

Answering your mortgage questions – what you need to know

Buying your first home is at once exciting and overwhelming. You finally have a place to call your very own, but you also have to worry long-term about financing your mortgage. Before you start talking with lenders, educate yourself about the types of mortgages and think about the one that might be best for you. Let’s review some of your options:

Open Mortgage

The main benefit of an open mortgage is that you can repay the mortgage back at any time without incurring penalties. Fixed-rate open mortgage terms range from six months to one year, while variable open mortgage terms range from three to five years. Due to the fact that you can make prepayments—or even pay off the mortgage completely—open mortgage rates tend to be higher than closed mortgage rates. Open mortgages are especially attractive for recipients of large lump sum payments—inheritances, insurance claims, and divorce settlements, just to name a few.

Closed Mortgage

Unlike open mortgages, closed mortgages require you to pay a penalty if you want to make larger prepayments, pay off your mortgage in full, or refinance your mortgage. However, interest rates tend to be significantly lower on closed mortgages. Because the terms of a closed mortgage range from six months to ten years, they are a good option for most homeowners, who will spread out their payments over a number of years.  Closed mortgages aren’t completely inflexible: most allow you to make a lump sum payment up to a certain percentage (say 10%) on your principal every year, or start increasing your monthly payments at the beginning of a new term.

Convertible Mortgage

The third main type of mortgage is the convertible mortgage. The terms of this mortgage are short—six months or one year. With a convertible mortgage, you can take advantage of short term fixed payments with the option of extending your mortgage up to ten years after the initial trial period. If you are unhappy with the terms, you can transfer your mortgage to another lender. This option is a particularly good one if rates are on their way down or will be in the immediate future.

Understanding Fixed and Variable Rates

The second big consideration you will need to make is whether you want a fixed or variable interest rate mortgage. The former is attractive because rates never change throughout the term, so you’ll know exactly how much you’ll need to budget for your payments well in advance. On the other hand, variable interest rates fluctuate with the market, so rates may dip significantly lower than fixed ones. As there is more risk involved with this option, check to see if the lender has an interest rate cap or convertibility features to protect yourself from high interest rates. A mortgage agreement is a big decision; do some thorough comparison shopping at RateSupermarket to find the best terms before you commit.