Sabrina’s Money Matters

So I have a challenge before me, am I game? Hell yeah. What’s the challenge? Reaching 500,000+ people by July 10, 2009. Heh. I know there are about 15.9 million students in the United States according to the 2004 census so if I can reach my goal, I have the off chance of getting it across to more than that. So that’s what I’m trying to do, tell people (new and returning students) about the scholarship contest we’re running and get these students to write an essay to win possibly a full ride to the school of their choice and a 2009 Hybrid Ford Escape.

I almost wish I wasn’t an employee. But I like my boss and I like this job and I’m anxious to get this show on the road, so first things first, are you a current or future college student? If you are I have great news! Not only could you apply now, send your essay in and have the chance of being awarded a full scholarship and a car, but you could also win a laptop! That’s through the Early Bird contestfree video poker how to play backgammon no deposit bonus online casino 888 no download casino play roulette craps game black jack download american roulette play video poker baccarat free casino game no download online casino free money on line casino wagering roulette online online casino betting free online casino slots free craps best casino roulette gambling internet casino gambling uk best casino online full pay video poker no deposit casino code best craps game black jack tournament best online casino sitemach zehnder modulator craps online game newest online casino free slots no download play blackjack online free dueces wild video poker black jack gambling online video poker game free casino cash no deposit video poker tutorial play free video poker how to win at black jack casino roulette casino guide how to win at roulette rules of craps casino game online real money backgammon baccarat casino online free video poker game play free video poker video poker odds video poker tournaments that we’re having, and the deadline of May 1, 2009 is fast approaching!

We’ve already picked the topics for you and they’re all compelling we’ve included guidelines and even a link to explain the type of paper we want written. All you have to do is write the paper and send it in - there are a few other things that need doing but nothing that’ll take much time. If you’re currently in high school, writing papers is something you’re very familiar with and you should be able to crank a paper out on these topics fairly easily.

GREEN LIVING / GLOBAL WARMING
HOMELESSNESS / POVERTY
SOCIAL NETWORKING
THE ECONOMY OF THE U.S.
LEGALIZATION & THE WAR ON DRUGS

These are the topics on the news right now, the things we’re all talking about, forming opinions about and discussing with our friends and political science instructors. Our world is a dynamic place and these topics are designed to help you think globally, like we are. Do you want to change the world? Tell us how you’ll do it.

I have loads of work to do and a small amount of time to do it. If you’re interested in helping me spread the word, email me at the above address and I’ll get back with you as quickly as I can with details about how you can help. I’m gonna need it!

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This nation is currently in a financial crisis. While we are crawling out of it slowly, this is the time to jump on the negotiating bandwagon and start calling your credit card companies. Even if you’re current on all of your credit cards and have been for a while, there is still some negotiating you can do. You can call and propose that they lower your rate for being on time for X amount of months. That’s a valued customer in these times.

The worst they can say is no right? It’s definitely worth asking.

Read the original here that I wrote in 2007 for further details on negotiating with creditors.

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While I’ve been building MouthyGirl.com and trying to get that site up off the ground and running, I’ve neglected you guys!

I’m shopping a new theme again, I decided I want something else here, something that I can use to provide you guys more links you like and maybe even post up a few pages that will be a great resource for you all.

Please be patient while SMM is under construction!

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Okay, not so much breaking news as it is breaking news to me…but Lifelock has been sued by Experian the lawsuit, filed in U.S. District Court on Feb. 13, was talked about on The Alabama Consumer Law blog where I read it on 2-21-08 and explains why, here’s an excerpt:

Experian claims that under the Fair Credit Reporting Act, the 90-day alerts are intended for consumers who believe they have become the victim of fraud or will likely become a victim.

The act also stipulates that only consumers or representatives - such as a parent - can sign up for fraud alerts.

Experian argues that by continuously enrolling its customers in fraud alerts, LifeLock is costing credit-reporting agencies money.

Furthermore, Experian also contends that LifeLock does not do enough to let consumers know that they could obtain many of the services it offers on their own for free.

“LifeLock is leading consumers to believe that the service it is providing is something consumers couldn’t do themselves and they have to pay a fee for what is a legal right under federal law,” said Peg Smith, executive vice president in Experian’s Costa Mesa, Calif. office. “We believe what’s happening here is LifeLock is not providing adequate disclaimers to consumers about the fact that these are free for consumers who are truly victims of fraud.”

While I’m not sure I agree with the author of that blog, because if all Lifelock is doing is continuously hitting your credit with fraud alerts and signing up so many customers, the credit market will have everyone having fraud alerts, and thus lessen the seriousness of the alert. The more people see this coming up when they pull credit, the more and more people that have this issue, the less serious it will seem.

Compare it to watching the news. We see it everyday, so we stop caring so much at each instance of pain, torture, theft, murder, or crime in general unless it hits our hot button. Same thing with the fraud alerts, the more they are placed on people that don’t really need it, the less serious it will seem to those who decide if you’re credit worthy. This will cost us money. If you’re paying $10 a month to Lifelock, unenroll right now because this system is designed to hurt us. I say circular logic is faulty logic and Lifelock doing this reeks of stupid.

Not to mention, you have all you need here to lock your credit report, without a fraud alert. AND I’ve shown you how to set up a fraud alert if you really need it (and having a police report makes a credit lock free), pull your credit, read your report, dispute inaccuracies…what more could you ask for?

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