August 22nd, 2008 by cee.mo
In order to make money, you gotta stay focused! So how do I stay productive researching material? Continue reading on…
I am a big supporter of Firefox add-ons, not only because they make the browser look all nice and pretty, but it helps the overall experience when browsing the web.
I can show you how to get from this:
Standard Look
To this:
Simple and Clean!
Continue reading ‘Part I: Productive Browsing in Firefox (Setup)’
August 11th, 2008 by cee.mo
From most people that I know coming out of college and that land their first job, they’re either going to purchase a car OR purchase something that costs tons of money. Usually they choose the car from experience with friends.
So if you’re still reading on, it seems that you’re ready to buy a car? First, I’d like to inform you to DO YOUR RESEARCH!
I emphasize research because if you plan it out carefully then you won’t rip yourself off in the long run. Research involves not only the car you’re going to buy, but also factor in the loan, monthly payments, insurance, maintenance, etc. The loan is essential [and this is where your credit score comes into play] because you want to get the best rate on your vehicle, because that $40k car can easily become $60k with interest if you don’t pay attention. The monthly payment on your vehicle is the focal point of your purchase [unless you decide to pay thing in cash], the higher the down payment the lower your payments will be. Another thing you’ll have to factor in as part or your monthly payments are car insurance and maintenance.
When purchasing a car I hope that you find something reasonable within your means. This means, don’t go trying to get that BMW M5 you’ve been salivating for years if you can’t afford the monthly payments on it. Besides if you don’t make enough green, they probably won’t even talk to you. I’d rather have you living in some kind of establishment rather than living out of your car and I find it quite sad when people actually do that. Just find a car that fits your budget! If you have the money to support it, then get your dream car. Otherwise, stick with the affordable route. Affordable, meaning, that your monthly car payments should NOT be taking up half of your paycheck, because it’ll be well over your debt-to-income ratio which obviously makes you a large liability to the creditors out there.
Car loans are very important that I emphasize RESEARCH again, because there are TONS of them available to you. Some are good and some are bad, do the research so you don’t fall into any traps. I may be over exaggerating a tad, but car loans are easy to find. However, not many will give a low rate. Some may give you the average and some may give you higher. You’re most likely to find a gem if you look hard enough and sometimes it’s probably around the corner at your local credit union. Credit unions, from my experience, have given competitive or even the lowest interest rates available. Why? Because they want your business! I highly recommend checking out the local credit unions in your area first, then work your other available options.
Car insurance, like car loans, are abundant. You can find them pretty much anywhere. You just have to look around for the best deal. You’ll find a lot of insurance companies marketing on TV, billboards, radio, and the like. Most of the larger companies have comparisons of competitors prices along with theirs. So finding a car insurance policy isn’t too hard to do. I suggest speaking with the insurance company to point out the best policy for your needs.
August 8th, 2008 by cee.mo
I’m in search this morning for a different kind of coffee. Unfortunately, not a lot of places that have coffee are open at 5:30am. Starbucks is open at 5:30, but their coffee is pricey and I’m already getting tired of the same thing.
I drive around the area and scout for a coffee shop or anything open in that matter and I come across 7-Eleven. I know 7-Eleven has coffee and noticed that they have Iced Coffee now as well. I thought to myself, “Hell, why not give it a shot”. It’s about a little over 2 bucks for a 20 oz cup.
Very disappointed in the taste.. very nasty on initial taste and the after taste is horrible. Then again, this is what I expected from a 7-Eleven. Hopefully, they’ll find some way to improve the taste. It’s terrible! Who does the taste test on these things anyway?
Next up, McDonald’s Iced Coffee. Rumor has it that their Iced Coffee is pretty good and is in the same price range as well.
