Owner: Realm of Prosperity URL:http://www.realmofprosperity.com Join Date: Tue, 26 Aug 2008 22:36:25 -0500 Rating:0 Site Description: This blog is a financial journal of a young adult who talks of his experiences, reflections, and ideas regarding the topic of personal finance. Site statistics:Click here
The Psychological Effects Of An Automatic Savings Plan 2008-08-26 17:05:05 Last month, I started an automatic savings plan with HSBC Direct and so far, I realize that it has had some effects on my mentality towards the plan.
Feels Like A Monthly Expense
My plan was set to transfer money on the last day of every month (probably so is everyone else’s). The plan is similar to [...] Read more:Effects
, Savings
I Got The Free Health Insurance! 2008-08-25 16:19:28 In a previous post about my problems with health insurance, I was worried that my health insurance company wouldn’t provide me with free coverage. Today, they sent me a letter along with the card! I’m so glad they accepted my application.
But now, the copay is $5. No big deal…
And to follow up with the school’s [...] Read more:Free Health
, Health
Support FreeRice.com 2008-08-24 14:18:03 At FreeRice.com, you can test your vocabulary and for every question you get right, a number of grains of rice is donated on your behalf. It is paid for by several sponsors through the UN World Food Program. Learn more here.
Improve your vocabulary and do something good. Easily addictive! Read more:Support
Frugal Textbook Buying Tips 2008-08-23 15:23:09 Classes start next week for me and it is time to get everything in order for the new school year. Textbook
s make up a major portion of the expenses of school. Spending $500 on textbooks is considered normal. I look at that number and it makes me sick at the prices that publishing companies make [...] Read more:Buying
, Frugal
Vent Post: Telemarketers And The Cell Phone 2008-08-22 12:09:20 Gosh it’s pissing me off! If you didn’t know already, our cell phone numbers have recently been released to telemarketing companies.
How is this financially related?
I have a cell phone under a prepaid plan. I pay $1/day for unlimited web surfing and texts and each minute costs $0.15.
Many would just tell me not to pick up [...] Read more:Telemarketers
Opinion Outpost: Paid Survey Review 2008-08-21 12:50:00 It has almost been a year since I joined Opinion Outpost
and the experience was less than stellar. Although they send me surveys everyday, I rarely qualify, which leads to wasted time. As you can see from the above image, I earned only $21.60 from 11 surveys and that equals to an average of $1.97 [...] Read more:Paid Survey
Started An Automatic Savings Plan With HSBC Direct 2008-08-19 12:04:43 I’ve been with HSBC Direct
for about a year and I didn’t know how to start an automatic savings plan (or even bothered looking to do so). This was also due to the difficult website interface from HSBC Direct that made it hard to find. ING Direct actually gives you the choice of starting an [...] Read more:Savings
Links of the Carnival of Personal Finance #166 2008-08-18 18:50:19 Realm of Prosperity was featured in the 166th edition of the Carnival
of Personal
Finance at Everday Finance.
Here are some other featured articles I enjoyed:
Top 10 Sneaky Credit Card Tricks
Spend less eating healthy food
How To Be An Entrepreneur
The Miser Story: Magic of Compounding 2008-08-16 14:21:15 This tale was first introduced to me in the 6th grade during a math lesson. I can’t remember all the details but I filled in the blanks. The concept behind this story has stayed in my mind all these years and I’m passing this story on to the young generations in hopes they’d be inspired.
The [...] Read more:Magic
Got A Credit Limit Increase From Citi Card 2008-08-15 16:47:08 It has been a little over 6 months since I’ve gotten my credit card and I was a little discontent with getting a $3000 credit line while my younger sister got $4000. I know that an larger credit line is better for your credit score and that I can get an increase every half a [...] Read more:Limit
Careless Friend Lost His Wallet 2008-09-18 18:59:23 Over the weekend, my friend had his wallet stolen from a communal locker at work. He was on his way to the mall when he stopped by to pick up his wallet and he calls me in a hurry. He needed the bank phone numbers so that he could cancel all his cards.
It seems like [...] Read more:Careless
Grocery Shopping: A Success! 2008-09-16 16:53:18 As you can tell from the title, the budget that I set up earlier this week seemed to work pretty well.
I followed all the tips and it worked great:
My Post-It note had a small list but it was suffice and exactly what I needed. It served its purpose: buy those items and ONLY those items.
I [...] Read more:Grocery
, Shopping
, Success
Setting Up The Grocery Budget For The Semester 2008-09-12 23:06:45 Two weeks into the school semester and I haven’t gone grocery shopping yet. Last year, I spent about $30 per week on groceries. Compared to a campus meal plan, that is CHEAP!
But, I feel that I can do better with a little less. Before my return to school this year, my (loving) parents bought boxes [...] Read more:Grocery
, Semester
, Setting
GlobalTestMarket: Paid Survey Review 2008-09-10 19:28:10 I’ve joined GlobalTestMarket about a year ago while I was searching the net for some legitimate paid survey companies and they came up as a very popular one. I finally received my first check from them since I knew I’d need some cash before school.
I hit the 1000-point payout mark after around 9 months but [...] Read more:Paid Survey
College Student Bought Home Instead of Renting 2008-09-08 13:05:24 I just heard this story from a friend of a college student, lets name him John, who made quite the gutsy financial decision that ended up to work well for him.
Eight years ago in the fall of 2000, John was an entering freshman at the State University of New York at Buffalo. As he might [...] Read more:College
, Instead
, Renting
, Student
Making Use Of My Tuition 2008-09-05 13:43:15 Ever looked at a tuition bill and see all these numbers but you only care about the total amount? Well, if you do go over those numbers, you’ll see that there are many fees. For example: I have to pay an Undergraduate Activity fee, Transportation fee, Technology fee, and Athletic fee. It is just a [...] Read more:Tuition
Classes Have Started And It’s A Bumpy Road Ahead (Financially) 2008-09-04 15:37:42 Senior year doesn’t seem to be much of a difficult ride… so far. But, I am struggling for some income while expenses are rushing at me.
Jobs
I’ve kept my previous volunteering position in my university’s dental school but since my schedule seems to be quite lenient, I’m squandering for some part-time work in school. I went [...] Read more:Bumpy
, Classes
, Financially
Saying “No” To A Spoiled Child 2008-09-02 20:54:42 Over the Labor Day weekend, I learned a stressful lesson in the field of parenting. My relatives from Canada came to New York for a quick visit and I was to show my younger cousins, three girls and a boy (the youngest of them all), around and to bring them to go shopping. The girls, [...] Read more:Spoiled
ING Direct $25 Bonus Referrals 2008-10-06 12:16:06 Here are referral links to sign up for ING Direct
Online Savings Accounts and Electric Checking Accounts that will give a bonus of $25 upon opening a new account with a minimum deposit of $250.
ING Direct is probably the most popular online bank with its easy-to-use web interface and excellent customer support. It is a [...] Read more:Bonus
Checked My FICO Score For Free At Equifax 2008-10-04 12:11:29 Ever since I started learning more about personal finance, I always wondered what my credit score was. I check my credit report a few times a year for free but I never felt that paying to know my FICO score was worth it.
Two days ago as I was reading the posts of others in the [...] Read more:Score
Scottrade Referrals: Seven Free Online Trades 2008-10-01 12:23:42 PROMOTION UPDATE (ends October 31, 2008): Scottrade is giving four (4) bonus free online trades, total of seven (7) free trades, to both the referrer and referee when the referee opens a new account.
Scottrade is a popular online discount brokerage that is offering online trades for only $7 each. They have live streaming quotes [...] Read more:Seven
Switching From HSBC Direct to ING Direct 2008-09-30 14:33:37 I opened up an HSBC Direct
Savings account last year when it was offering 5.05% APY. Very little was done with the savings account throughout the course of the year since I had very little money to put into it. Recently, I’ve implemented an automatic savings plan after doing a good amount of messing around [...] Read more:Switching
Links to Carnivals 9/26/08 + EC Contest 2008-09-26 21:37:56 Last week, Realm of Prosperity participated in a few carnivals. Check it out for some great reads!
Kids and Money — September 17, 2008
Carnival of Personal Finance #170 – Famous Last Sentences Edition
Carnival of Twenty Something Finances! 9/22 Edition
By the way, I’m sponsoring an Entrecard contest at Freebie Reporter. It may well be the largest Entrecard [...] Read more:Carnivals
, Contest
What Happens To Student Accounts After Graduation? 2008-09-25 08:02:30 It is my last year in college and I’ve begun to wonder if I can still use my student checking account or student credit card when I’m no longer a student. After graduation, I’ll be just another adult, right? I’m sure many other students and graduates-to-be are pondering the same question.
As expected, every financial institution [...] Read more:Accounts
, Student
Your2Cents: Paid Survey Review 2008-09-23 17:37:43 Your2Cents is another of the many legitimate paid survey panels that I joined last year. Their website is simple and intuitive. After signing up, you get the option of completing profiles for $1 each, which is added to the compensation from your completed surveys. That’s like $10 right there!
There are survey opportunities a few times [...] Read more:Paid Survey
HSBC Direct Back Down To 3.25% APY 2008-09-20 21:12:30 In June, HSBC Direct
increased their rate to 3.50% APY until August 15 and then further extended it until Septemeber 15, 2008. It seemed like they would extend that “promotional” rate but it just so happens that AIG shakes up the financial markets that very day.
Followed by the may other financial woes and an anticipated [...] Read more:Back Down
A Weekend in College: Zero Dollars 2008-10-22 21:00:08 All over the personal finance blogging community, people are seeking fun and action that is cheap and inexpensive. Many ideas have been drawn to be plausible but some will eventually cost something. I’ve been trying to leave comments on posts with my take on things to do that do not cost much. Then, I [...]
Related posts:College
Life Without a Meal Plan Higher education brings forth highe Read more:Weekend
PineCone Research Signup Link - October 2008 2008-10-21 10:50:59 The PineCone Research
panel has just opened up again and they are looking for new members! I’ve been with them for over a year already and they are by far the best paid survey group out there.
From the referring links that I check through SiteMeter, I see that many of them arrive at my blog [...]
Related posts:Pinecone Research Ad SITED!!! I was browsing around GameSpot and found the infam Read more:October
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