Cheapo Groovo

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Another $41 in dividend income!

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03/30/2012  01:47:05

ORDINARY DIVIDEND (REM)

41.47

Here Comes The Bike Tax

One idea that seems to be growing in support is a bicycle excise tax that would be charged at the point of sale of new bikes and/or bike parts.

Back in December, the bike movement's biggest champion on Capitol Hill, Rep. Earl Blumenauer told a crowd assembled for the Cities for Cycling launch:

"... he added that "investments from the bicycling community" to help pay for better road quality and more bike infrastructure might be a smart move. "In fairness," Blumenauer said, "we'd be better off if we had a tiny fee" on some cycling equipment, such as a bike tire tax."

A bike tax is already in use in several other countries and cities. Colorado has one. So does the U.K.

If we tax something, we get less of it. In this case, we get less exercise (healthy people) more pollution, more oil imports, and more black markets.

Savings Strategies at the Grocery Store

• Bring your own bag, especially if you get a credit!
• Buy things on sale
• Use high-value coupons

And here is documented proof that my tips work:

Grocery_bill

 

 

Bad Money Advice from Mainstream Media

1. Use you debit card not your credit card. Bad move because your credit card has a $50 fraud limit on it. Your debit card can be stolen or cloned and your account drained! There is no federal or state protections on debit cards! Just make sure you pay off that credit card each month.
2. Convert your traditional IRA into a Roth IRA. Bad move because on a $1000,000 account, you'll owe $30,000 in taxes. Where are you going to come up with the $30,000?
3. Don't cancel your credit cards with annual fees because that will hurt your credit score. The lady I saw on Clark Howard this morning paid $400 in annual fees to 6 different banks. She should just cancel those cards and hook up with a credit union or start paying cash.

 

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Local Governments To Bill You For Fire Protection

While most of us think that our property taxes cover such services, a growing number of communities are charging "fire fees". An important note to remember is that fire services generally include not only fire fighting, but EMT as well. In the most outrageous case to date, a New Castle Indiana family that lost their home in a fire were shocked to receive a bill for nearly $28,000!

I'm not a lawyer, but under contract law, the promise to do something one is already contractually obliged to do is not, traditionally, regarded as good consideration. In other words, you have no valid contract and are not obligated to pay.

Research these links for yourself: http://alturl.com/4fnf | http://alturl.com/2zee | http://alturl.com/b2k5

Cheapo Charity Giving

When various charities call, usually my alumni associations, I ask them why they don't use GoodSearch. GoodSearch is a search engine which donates 50-percent of its revenue to the charities and schools designated by its users. You use GoodSearch exactly as you would any other search engine. Because it's powered by Yahoo!, you get proven search results. The money GoodSearch donates to your cause comes from its advertisers — the users and the organizations do not spend a dime! You can simplify the process by by downloading the GoodSearch/GoodShop toolbar or put a badge/widget on your blog (go to the amount raised for your charity button).

Another one I use is The Hunger Site. You click daily to give free food, free mammograms, free child health care, free books, protect endangered habitat, and help animal rescue shelters.You can even set up email alerts in case you forgot to click (give) that day.

I just found out about a new one called Click to Give. It looks to me to be a Hunger Site clone, but the ads below the "give button" are more relevant to frugal folks who like freebies!

Free FICO Score

The Fair Issac Corporation created the FICO score, and they are the folks that run myFICO.com. In fact, myFICO.com is the only place you can go to get your official credit score.

myFICO.com gives you your official FICO credit score as reported by Equifax when you sign up for a free 30-day trial of Score Watch. The sign up process is quick and easy. You will have to provide your name, address, date of birth, and social security number so that myFICO.com can pull your credit report and credit score. You'll also have to provide a credit card. You won't be billed unless you decide to keep the Score Watch past the 30-day free trial

A week before you free 30-day trial is up, they will send you an email notifying you that you credit card will be charged unless you cancel Score Watch. If you decided to cancel your free 30-day trial before you get charged, it's easy to do. Simply click on the "Support" tab at the top right of the main myFICO.com screen. This will take you to a list of help topics, the first of which provides the simple steps to take to cancel your subscription.

You can get a free estimated credit score at Quizzle (no credit card required).

Americans stealing the plumbing from public toilets | #economy #austerity