The Happy RockThe Happy RockChange Your Self, Change Your Wealth - A personal finance and development blog dedicated to personal and financial growth. Articles
Don?t Let Verizon Wireless Take Your Money When Canceling Service
2008-04-11 06:33:00 I have never had any love for Verizon Wireless , and I was quite relieved when my two year contract was up. They hadn?t done anything really bad, but they certainly didn?t ever do anything earn my respect. Nothing had really been post worthy until the last stunt they tried to pull as I closed ... More About: Money , Cell Phones , Service
The Happy Rock Is Looking For Feedback
2008-04-09 05:40:00 The Happy Rock is coming up on its one year anniversary, and I am ready to make some changes. I have learned a lot in the last year, both personally and with regards to business and running a website. It has been a great journey. With my MBA complete, I have some more time ... More About: Misc , Feedback
Professional Tax Preperation Saved Me Over $5,000
2008-04-08 05:52:00 Well, the results are in from the CPA vs. Turbo Tax and other DYI tax programs fight. The winner is………quality professional tax preparation by a landslide. Here is the break down: My CPA isn’t responsible for all of the savings, but the service was definitely worth the cost. First, we tuck away 40% of ... More About: Taxes , Professional
The Myth Of The Bi-Monthly Mortgage
2008-04-06 05:32:00 First things first, making bi-monthly payments on your mortgage WILL cut your mortgage repayment time down significantly. Using bi-monthly payments on a $200,000 mortgage at 6.0% you will have the mortgage paid off 6 years early and save about $50,000 in interest. What happens is that you are paying 26 bi-monthly payments which ... More About: Real Estate , Mortgage , Myth
Virgin Mobile Deal: $60 For One Year Of Prepaid Virgin Mobile Service
2008-04-03 05:33:00 Our two your Verizon cell phone contract finally ran out on the 25th of March! It feels great to break free form those chains of a long contract. I haven’t yet canceled the phone, but I did order and activate a new Virgin Mobile prepaid phone for the Rockette, since the she is ... More About: Cell Phones , Service , Deal
The Best Cash Back Credit Card Analysis For The Happy Rock
2008-04-01 05:45:00 About a month ago, I switched my only credit card from my Sunoco Mastercard which I have had since college to the Chase Freedom card. Why? Because I was leaving money on the table since I wasn’t taking advantage of the new breed of cash back cards that have come out in the ... More About: Credit Cards , Card , Credit , Analysis , Rock
How Much House Can You Afford?
2008-03-30 06:54:00 Or maybe how large a car payment can I handle? Every were you turn online calculators and salesman are always telling us the maximum we can spend on any given purchase. It’s the wrong question! So you can afford a $200,000 house that has the extra big yard that, but it is 50% of your take home pay. ... More About: House , Spending , Materialism
Why APY Matters And The APR Lies
2008-03-28 05:32:00 APR and APY. I know that I have had to look up the difference more than once in my life. It is one of those facts that is easy to understand, but they easy to forget. The numbers are usually similar, but the subtle difference can cost you a lot of money. ... More About: Banks , Financial , Productivity , Matters , Lies
Frugality Gone To Far : Home Contents Stolen In A Craigslist Hoax
2008-03-26 05:11:00 I have seen people on Slick Deals do things that skirt the line of honesty and legality in order to get a great deal. I can even relate to getting caught up in the hype of certain deal or the possibility of free stuff. I have even contemplated doing something that I wouldn’t have ... More About: Home , Stolen , Contents , Frugality , Hoax
Easter Spending Without A Plan
2008-03-24 22:39:00 I have a small confession that I need to make. We spent almost $50 this month on Easter supplies and candy. That was just for our 2 year old, since the 2 month old isn?t old enough to partake. Some of you may laugh, saying ?I spent way more?, but to me ... More About: Planning , Spending , Plan
Forget About Buying Stuff, People Matter
2008-03-21 04:38:00 Think back. What are your fondest memories in life? One of my best was a 9 day white water rafting, hiking, and outdoor adventure down the Grand Canyon with my mom. A few other that come to mind are building snow forts with my Mom and friends, a little-league no-hitter, and the ... More About: People , Buying , Stuff , Matter , Materialism
MBA Complete - Was It Worth It?
2008-03-19 04:50:00 This past Sunday I handed in my final paper for my MBA degree with a Marketing concentration at Drexel University’s Lebow College of Business. The finality is so fresh that end of my long two and half year journey hasn’t sunk in. It is starting though…Tuesday is my normal class night ... More About: Worth , Salary , Complete
The Lost Art Of Saving To Pay Cash For Purchases
2008-03-16 17:16:00 Somewhere while I was digging out from $70,000 in debt, I learned that you had to be able to save and actually pay cash for purchases in order to avoid debt. Growing up this was not something that had been instilled into my thinking about money. It is something that doesn’t get ... More About: Lost , Credit Cards , Cash , Saving
The Happy Rock Spends The Big Money For Tax Prepation
2008-03-16 04:16:00 I mentioned previously how doing my own taxes last year almost cost me $350 in penalties and interest. Luckily I was able to get that down to around $90. This year I decided to shell out the big bucks and buy top notch tax advice and preparation, even though it goes against my ... More About: Taxes , Money , Rock , Happy , Big Money
Frugal Tool Chest Tip #1: Get Money Back On Your Purchases With Price Prote
2008-03-15 05:07:00 The Frugal Tool Chest is a recurring series covering practical tips and tools that will arm you to save even more money on your online purchases. I The first frugal tips involves a website that will notify you when the price drops on any of your recent purchases. How does this help? Well, ... More About: Money , Back , Spending
ING Rates Lowered to 3.1% on March 11th 2008
2008-03-12 00:56:00 ING cuts their rates again. Electric Orange Savings rate dropped to 3.10% APY down from 3.40%. Official ING Savings Account Page Electric Orange Rates dropped to 2.00% APY and 1.98% Interest Rate down from 2.25% APY. Official Electric Orange Page Related PostsING Direct Lowered Their Interest Rates on 9/19What Candidate Will Be The Best For Your Finances?The ... More About: Misc , March , 2008
ING Electric Orange Check Experiment
2008-03-07 05:27:00 I have been using the ING Electric Orange checking account for almost a year now and I have been very pleased. One downfall to being able to earn 2.25% on your checking account balance is that they don’t offer a regular paper check book, but you can fill out an electronic check form and they ... More About: Experiment , Check
Cheaper Than Cheap Tip Of The Week #4 : Earn Free Money By Resuing Bags At
2008-03-05 05:39:00 ?Cheaper Than Cheap? is a recurring tip series about frugality. The idea is to provide helpful frugality tips that border on fanatical to the point of being humorous. Love them or hate them, let?s hear what you think. Tip #3 was on seperate your two ply toilet paper. Cheaper Than Cheap Tip Of The Week #4 ... More About: Money , Bags , Free , Earn
How The Happy Rock Went Bold
2008-03-01 05:30:00 I talked about how success requires bold decisions, so I figured I should share the decisions that where bold and went against the grain to get me were I am at today. Where am I today, you ask? Well…awesome growing marriage, beautiful wife, two wonderful children, paid off 70,000 in debt, no debt ... More About: Rock , Happy , Materialism
Go Big or Go Home ? Why Success Requires Bold Decisions
2008-02-29 06:24:00 “Insanity: doing the same thing over and over again and expecting different results” - Albert Einstein The truth in that little statement is profound. If we truly want to succeed in our financial life and with our life goals in general, we must be willing to fully commit to our dreams. Often ... More About: Friends , Home , Motivation , Success , Decisions
Don?t Let Your Credit Card Ruin Your Debt Reduction Progress
2008-02-22 06:08:00 If you are in debt, you most likely know that access to your credit card is probably what got you there. If you are one of those people, just admit and live with it. It?s ok. Most of us have been there, but the true test is to learn from it. Many of ... More About: Credit Cards , Card , Credit , Debt , Credit Card
What Happens When Your Wife?s Debit and Credit Cards Get Stolen
2008-02-21 04:26:00 We found out last night. That?s right, when I opened Quicken last night to reconcile the days transaction I noticed a $1.59 charge from a local Wawa. I consulted with the Rockette and we noticed that her whole purse was missing. Mild panic sets in, and we begin to retrace our days. ... More About: Credit Cards , Credit , Wife , Stolen , Cards
Save Money By Always Asking For The Fees To Be Removed
2008-02-18 06:40:00 It wasn?t long ago that I can remember just complaining whenever I got charged fees by a company not knowing that I could do anything about it. Now I know that the consumer does have power. Every fee or even purchase prices that I come across now get questioned. The old ... More About: Money , Save Money , Fees , Frugality , Save
Things I Didn?t Think About As A Renter - Top 10 Hidden Home Ownership Cost
2008-02-17 04:28:00 Our culture constantly bombards us with the message that home ownership is the pinnacle of financial maturity and success. The problem is that there are a lot of factors and costs that are hard to anticipate as a renter. Don?t get me wrong, there are numerous wonderful benefits to home ownership like tax ... More About: Real Estate , Home , Cost , Things , Hidden
Free Download : Suze Orman Book Women & Money From Oprah
2008-02-13 23:33:00 For those readers like Suze Orman or those who want a free electronic copy of here book Women & Money , click here to head over to the Oprah site and download it before 8 PM Eastern on Thursday February 14th. Related PostsRecovering From The Microsoft Money Server UpgradeGender Affects Salaries, But Maybe Not How You Think40% ... More About: Download , Free
Free 80 Hour Dual Tuner Series 2 SD Tivo
2008-02-09 19:52:00 Just purchase a one year of service and you will receive brand new 80 hour Series 2 Dual Tuner SD Tivo DVR free of charge. This is not even a free after rebate program, but a free at checkout promotion. The promotion calls attention to Tivo?s KidZone, a service that Tivo created ... More About: Free , Hour
Excercise For Free - Tips For Inexpensive Workouts
2008-02-06 06:25:00 Below is a guest post from Brooke. Brooke is a PF blogger over at Dollarfrugal.com, a site for people looking for innovative ideas and encouragement for living frugally. If you like this article, consider checking out her RSS. Physical health is extremely important and cutting costs shouldn?t be a factor when deciding ... More About: Fitness , Tips , Home , Free
The Benefits Of A Decent Interest Rate In Your Checking And Savings Account
2008-02-02 05:17:00 Hooray for ING Direct. I made $1000 dollars of income in 2007 with no effort! I just got my tax sheet for my ING accounts and saw that I made $99.77 from interest from my checking account and over $900 from our dozen or so ING savings accounts. I would have made $200 ... More About: Interest , Benefits , Savings , Account , Rate
40% Off One Book At Border?s
2008-01-30 05:03:00 For those readers that still shop for books at brick and mortar stores, here is a nice little coupon for Border’s. 40% of one book. Click here to view the coupon. You need to be a member of their rewards program, but it is free to sign up in stores. This sale is only good through ... More About: Book
What Candidate Will Be The Best For Your Finances?
More articles from this author:2008-01-28 04:00:00 With primaries and caucuses in full swing and a new president on the horizon, I thought it might be helpful to start some discussion on who will be the best for our finances. This isn’t about who you like the best, or even who you want to vote for, but who will be the ... More About: Personal Finance , Finances , Candidate 1, 2, 3, 4, 5, 6 |
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