So....last week when the new iPhone 3G launched, I had my own launch...into a tirade about how much Apple sucks.
Well I still think they're pretty dumb for being so strict about iPhone sales but I must be completely honest....the new iPhone 2.0 software redeems them.
The App Store and the introduction of applications is revolutionary and has already improved my mobile life in so many ways. I can't wait to see the future of this feature.
Right now, I'm rocking a few of the free apps. I'm broke, remember? I can't buy any of the fancier ones right now. I'll make a list of some of the coolest ones.
Pocket Lint
Actually, this one isn't free and it's the only one i purhcased. It's just basically a virtual checkbook. It's simple and easy so it's totally worth the $4. You set up your accounts (checking, savings, whatever) and add or subtract transactions. It's a really nice and affordable way to keep track of your finances. There's a more expensive version for $10 called PocketMoney. That one definitely looks cool, you can do pie charts and it has multiple currency support for frequent travelers. I'd get it if I wasn't on a tight budget.
Pandora
If any of you have visited Pandora.com and used their intuitive internet radio, you probably love. I do and now you can get it on your iPhone. Imagine...driving in your car, you can't think of what to listen to...plug in your iPhone and switch on the Pandora app. The music streams incredibly well, even over the edge network (which is great for people like me who didn't upgrade to the 3G phone).
Myspace/Facebook etc...
Myspace and Facebook both launched apps for the iPhone, and there are several other neat social networking apps that use maps and stuff. Not really new or different but very convenient for iPhone users who've had to use the generic website. It makes mobile networking easy.
AIM
Finally! I can chat with my friends when I'm on the go. Great program but I'm hoping that Adium releases an app soon. Come on guys!
Flashlight
This is actually very useful. It lights up a dark room really well and can switch to different colors: red, green and blue. It also has a neat strobe light feature. If you're ever in the mood for a rave, just switch it on.
PhoneSaber
May the force be with you. This app is totally useless but it's absolutely the best waste of time ever invented. Now I can whip out a lightsaber of my choice and have it out with a friend or co-worker. Really cool and free, so what do you have to loose? Unleash the inner StarWars geek within.
Ebay
Pretty self-explanatory. Just really really useful.
Midomi
Ever find yourself in a situation where you've got a song stuck in your head, you know how it goes, but you don't know the name or the artist? Or maybe you heard something good on the radio and you want to find out who the artist is...Well, this app is PERFECT and really AWESOME. All you do is either sing or hum your song into the phone OR you can hold your phone up to a speaker. Give it about 20 seconds worth of music and the app will tell you (or try to tell you) what song it is. GENIOUS!!!!
There are hundreds and hundreds of more applications out there and a good number of cheap financial tools. There's budget planners, loan calculators and more that might help you get a hold of your finances. Check it out. Point your iPhone, if you have one, to the app store.
7.17.2008
kissing and making up with apple
7.14.2008
payday loans get a performance check
As I've mentioned beore, the payday loan industry has seen steady growth over the last 20 years. There are many reasons this is happening and I could dedicate an entire post to them but I'd like to focus in on perhaps the biggest reason: Dissatisfaction with traditional lending practices.
In a survey I read, the only thing that beat paydayloans in customer satisfaction was overdraft protection. The same survey showed that they were actually more popular than home equity loans, credit cards, or bank/credit union loans....now granted, these are two very different types of loans but still...more and more people are turning to cash advances when they need financial assistance.
Donald Morgan, economist for the Federal Reserve Bank of New York, argues that government bans on payday loans lead to more people bouncing checks, filing for bankruptcy and fighting with collectors.
He sites a great success story as an example. In 2003, Hawaii eased their payday loan limits. This resulted in a sharp decrease in the amount of problems with borrowers and lenders in that state. Most consumers were able to get their loan resolved in a month instead of several months. The state of Hawaii has also enjoyed a decline in bankruptcy filings.
Interest rates on overdrafts charged by credit unions and banks and exceed 2000%....that's worse than even those bogus interest rate numbers people like to throw around when criticizing payday and title loans.
To be completely frank, the demand and lasting influence and power of the payday and title loan industry really speaks for itself.
If you're in the market for a this kind of loan, www.PayCheckATM.com is a great place so start. They're linked up with hundreds of respectable lenders across the nation.
7.11.2008
apple sucks!
I use Apple products. I own several Macs. I have an iPhone.
I love their products...but I HATE their logic. It just makes me shake my head.
Its my girlfriend's birthday and for a month, I've been waiting for this day to get her the new 3G iPhone. So I was standing in line for 2 hours this morning, got a decent place in line, then an Apple Store cheerleader shows up and announces the process of buying an iPhone.
The bottom line is...I can't buy the damn phone for my girlfriend...I can only buy it for myself! They MAKE you activate when you buy it (no wonder the line was moving so slow). When I told the Apple employee my situation, all she had to say was "Well, you can get her a gift card for $199 and she can come in and buy it."
Yeah...I'm going to give my girlfriend of 5 years a bloody gift card.
WHAT THE HELL, APPLE????
Where is the logic in this? I mean, it seems like they don't want people reselling the iPhone to other countries. I don't understand why they even care. One would assume that Apple would want as many sales as possible. I don't see what the big deal is.
I've been researching the web to try and figure out if I can buy it for myself, activate it for me, then deactivate it, re-activate my older iPhone, then give it to my girlfriend to activate for her service. I don't know....we'll wait and see if anyone answers my yahoo answers post.
If anything, I guess I'll just get her the damn gift card.
C'est la vie!
7.10.2008
Get out of that revolving door!
You hear me talking about the benefits of using payday and title loans all the time but I think its important to understand that you should definitely NOT get into the habit of using these on a regular basis.
Here's a great post I found about this subject. The author, who claims he is the owner of a payday loan store, describes the pitfalls of the industry and what you can do to avoid getting into a revolving door situation. These are some great tips and you should give it a read.
Stop Lying to Yourself. Get Rid of Your Payday Loan!
Most people have already realized that when our finances are in order, everything else around us, including our relationships, just seems so much richer. In fact, getting out of debt might just save a relationship!
If you are in the habit of getting repeated payday loans or direct deposit advances, I hope you are seeing that you are falling into serious financial trouble. First, you are getting a payday loan or cash advance because most likely your credit is shot. A payday loan is ultimately your last resort in obtaining fast cash. You're not alone. The 'no credit check' payday loan industry has grown to a 14 billion dollar a year industry because many folks have nowhere else to turn sometimes. When you’re credit-challenged, the payday loan industry is there for you, but will charge you a higher interest rate for a payday loan than you would pay for a longer-term loan.
If you’re a person who has always had trouble managing your personal finances, and in turn you now have bad credit, you are not a bad person. You are simply a person who has the habit of making bad financial decisions. Payday loan companies market themselves by providing emergency cash and many of us can consider almost anything an emergency. The fact of the matter is, unlike other emergencies we have in our lives, this is one we have created ourselves.
While writing this article I speak from experience. As an owner of a payday loan store, both online and brick and mortar, I was very involved with my customers. When a customer repeated time and time again, we would have them use the fees to pay down their loan. When their loan was paid in full, 9 times out of 10 they would return to get another loan. I spent endless hours trying to get my customer back on track. Many of these people repeated and many learned to stay away. There were so many people getting loans. The demand outweighed supply. We had no problem finding payday loan customers. Most people getting a payday loan or direct deposit cash advance have the power to get themselves back on track.
In each article I publish, I want to give you helpful hints so you can get back on track. So keep visiting this website for answers to more than your short-term cash problems.
Here are some new tips that will get you back on track. Remember, if you can't measure it, you can't manage it.
- 1. Write down your monthly expenses. Now write down how much money you take home monthly. It sounds easy and that's because it is. Be accurate when doing it and don't lie to yourself. Don't write down what it could be, write down what it truly is. It would surprise you how many people either never took the time to do this or just don't want to know. If you don't start here, your life will continue to be one financial crisis after another.
- 2. Buy a small pocket notepad. Write down everything you buy. It should be very detailed. It should include Coke, coffee, gum, cigarettes, lunches, etc. You'd be surprised how those little things will add up. This is only the start; you will need to create the habit of doing this daily.
- 3. Evaluate each area in which you spend. If you are eating out, write down how much you are spending. Once you see how much you are spending, you will need to make the necessary steps to cut it back or eliminate it for some time. For example, if you bought one soda a day for 30 days it would cost you about $30. If you buy your sodas in larger quantity at the supermarket it might only cost about $7 for those same 30 sodas. You could save about $23 just in soda. The same would apply to coffee. When you brew your own, it’s so much cheaper.
- 4. Evaluate your rent. Are you living in a place you can't afford? If so, then what are your options?
- 5. Can you cut back on your utilities? What unnecessary use of water, electricity, heat could you cut out of your budget?
- 6. Are you stuck in a car with high payments and high interest? What can you do to get out of it?
- 7. Gas is up to almost $4.00 per gallon; could you carpool or move closer to your work?
- 8. This is a tough one even for me: habits or addictions. Cigarettes, chewing tobacco, alcohol, pornography, and more. This will absolutely break us. We all need to get our addictions under control. My addiction is chewing tobacco. Does anyone know that a can of chewing tobacco is $8 or more? These addictions will rob you of your health and finances. Pornography robs your soul, finances, and relationships.
- 9. Most of us get into these financial jams because of our lust for more. It's easy getting into debt but it's hard getting out of it. Don't blame anyone for your situation; not payday lenders, friends, society, no one. You need to take personal responsibility for your debts.
- 10. Although getting out of debt is a challenge, make it fun. Get online and find some resources. Get out your notebook and start writing. Just get tough with yourself. You don't have to become a tightwad; no one likes a tightwad. You will need to start creating new habits. It takes six weeks to create a new habit.
- 11. Start giving. "What?? I'm broke!" Giving is a principle. Start small, $20 a month sponsors a child, or find an organization to give to, but do it monthly without fail. Within my family's financial plan, giving is part of our budget. The rewards are awesome!!
- 12. As I told you before I was a bricks-and-mortar payday lender. I left that market place and started Spotya! Cash. We are a licensed lender with a philosophy and a program in accord with every state’s laws. We are adhere to the strict guidelines recommended by the CFSA. Some payday loans can cost as much as $30/hundred in fees for 15 days. Spotya! Cash charges $15.00 per $100 for 15 days. That's adds-up to big savings. Especially if you use our services a few times a year. You can save money using Spotya! Cash that can be used to pay down your debt. In no time at all you can work toward your financial freedom.
- 13. Tell a couple friends or family members what you're doing. Have them check in on you from time to time and make sure they hold you accountable to your financial plan.
- 14. Remember, if you're not willing to make the necessary sacrifices to get debt free, you will always be struggling financially.
If you never take the time to write down everything you spend, your goal to become debt free will never be reached. Writing everything down empowers you because always know right where you're at.
We are bombarded daily with some new thing or pleasure that we "need to have". I'm personally guilty of it just as much as anyone else. As you become honest with yourself, you’ll get very good at deciding just whether you really need that new gadget, the latest model car, that new dress that is “now in style.” If you can’t find a way to fit it into your budget, maybe you should just consider not buying it. Wait until better times. It’s more important to get yourself back on track and not fall into debt again.
Hope this helps. For more information make sure you're checking out www.PayCheckATM.com.
7.08.2008
payday loan myths revealed!
I've kind of always known but I didn't realize the staggering criticism against payday and title loans. There's a lot of doo-doo going around and it's truly, just that.
Biggest Myth #1. Payday lenders take advantage of low income families and minorities
Biggest Myth #2. Payday loans are extremely expensive and have ballooned interest rates
It seems like there are some entities out there who intentionally spread incorrect information about the payday/title loan business. Just give the CFSA website a look to find out for yourself.
GET EDUCATED!!!
The FACT is, payday loan customers are proven to have steady income across the board. In fact, it's a bloody requirement. Studies show that the average payday loan customer’s income ranges from $25,000 to $50,000 annually and 94% have high school diploma or better with 56% having some college or a full degree. That pretty much describes middle-class America. Me, you and everyone (or mostly everyone) we know.
And remember...payday loans are two-week loans....not annual. See USAPayDayLenders.com to see for yourself. The typical fee charged by lenders is $15 per every $100 borrowed...15% for the two-week duration. Stating that interest rates are as high as 400% apr is true.....IF THE LOAN LASTS AN ENTIRE YEAR. Someone's stretching the truth a little too much I think...that's an impossible number in the world of payday and title loans, especially since most lenders don't allow rollovers...and the ones who do only allow 4 max! See!!!
Don't believe the hype.
If you need it, don't hesitate to think about a payday or title loan.
Check it!
RPM Lenders
AutoCashUSA
PaycheckATM
TitleLoanSites.com....a new site with descriptions of the top three title loan sites and lots of helpful links and other resources about Title Loans.
7.01.2008
Good Debt/Bad Debt: Getting a Handle on Your Money
I really love Wikipedia.
They have a very interesting article on "debt."
"Debt allows people and organizations to do things that they would otherwise not be able, or allowed, to do. Commonly, people in industrialised nations use it to purchase houses, cars and many other things too expensive to buy with cash on hand."
That's a pretty standard definition. I wish it were that simple and if you click on the link to read the article, you'll get an understanding of how complicated and complex is. Even religions have something to say about it...
"Islam forbids lending with interest even today, while the Catholic church allowed it from 1822 onwards, and the Torah states that all debts should be erased every 7 years and every 50 years."
Super interesting stuff...there's even an entire article on Islamic Banking.
See? It just goes on and on...I love Wikipedia...it's the greatest, most educating time-waster. Especially when you're at work! (just don't tell my boss!)
Many of us consider debt a negative force, a consequence of bad decision-making and the source of all stress. I mean, who doesn't feel good about the idea of erasing all of our debt? I'd love that!
As we all know that's a totally unrealistic scenario (don't believe the ending for Fight Club, debts can't be erased by blowing up credit card buildings), find some comfort in the positive aspects of debt. With the proper management a debt can build and/or improve your credit which is definitely necessary in today's world. When I finished college, I immediately acquired a debt - my student loan. It's a great debt to carry around because the interest rate is low and fixed and my monthly payments are low. I never have a problem paying it and it's going to be around for the next 10 years, so my credit score can always rely on that. I also bought an affordable car, another good debt to carry around. I was able to make consistent payments.
I don't have that car anymore but I'll save that for another post.
Where I ran into trouble was with my credit cards. I've since had to slice them up. I'm still paying two cards back, one of which I had completely paid off, only to misuse my way back up to $1000+ debt. I'm making good progress on these cards, especially since I joined a credit union and consolidated them into one single, low interest credit card.
If you work for a company that offers credit union membership, for Pete's sake, JOIN! I joined, got my low-interest credit card with a balance transfer and even though I don't work for the company anymore, I'll be a member until the day I die. My girlfriend was even allowed to sign up under me. She's going to be a member forever as well. DO IT!!!!
I'm getting off track. There are several new loans out there that shouldn't be confused with that "predatory" buzz word. Taking out small affordable loans, like Title Loans, can be an easy and safe way to resolve issues of needing immediate money, when need be.
AutoCashUSA.com has more information available on the matter.
Title loans are paid back through inexpensive monthly premiums. The borrower uses his/her automobile as collateral for the loan. A great variable about title loans is that the borrower can keep their car through the duration of the loan. Managing your daily spending habits will help you stay afloat for the during and payback of the loan. Another way to manage your loan is to pay more than the monthly premium, which cuts down your interest and pays off the loan quicker. Payday loans work similarly, and you can read more about this at USAPayDayLenders.com
Paying debt back in a timely fashion is a sure-fire way to establish great credit.
6.30.2008
credit discrimination
With the onset of e-commerce and online banking, online loans are becoming a more popular area of today's lending industry. Because of the nature of most online loans and their applications, one will never have to worry about credit discrimination. It makes no difference how you're paid or what kind of job you have, you can qualify regardless of credit score. In fact, instant loans require very little paperwork. Typically, all you will need to get a loan are a drivers license or state issued ID, a bank Statement with current checking account and proof of income.
Here's a good example of a typical on-line resume from AutoCashUSA.com, a title lending site.
I did a little research and found out that statistics shows the average payday customer is just like well...myself. The Credit Research Center at Georgetown recently did an analysis on payday loan customers and found out that 94% of payday loan customers have a high school diploma or more. The majority of customers are married with children. A surprising 100% of the payday loan customers have steady jobs and checking accounts, which doesn't surprise me since its part of the application requirements.
Online payday loans easily get you from one paycheck to the next. They are a good short-term solutions when the unexpected happens. Think of it as an emergency. Payments are deposited to your account, sometimes within 24 hours or less. Your loan is automatically added and when the loan is up, the withdrawal comes out of that same account as well (so make sure you've got the proper funds in there).
Related links:
Paycheckatm.com
USAPaydaylenders.com
Titleandpaydayloans.com