One Great Potential Benefit Of Higher Gas Prices - Less Traffic

By MoneyBlueBook

As gas and oil prices continue to push vigorously into higher unprecedented levels, my wallet lets out a single quivering tear drop. But when I find myself mired in the unmoving water boarding torture that is rush hour traffic - I end up rooting for higher gas prices so that financial natural selection can put a slowdown to the serious problem of traffic jams gone wild.

I hate living, visiting, or even driving near cities with bad traffic. Unfortunately I happen to live near a major metropolitan hub that Forbes Magazine views as the city with the worst overall traffic in the United States - Washington D.C. I was rather taken back when I read that since I had always assumed the smoggy Southern California city of Los Angeles claimed that title, but then the dubious distinction doesn't exactly surprise me. The D.C. Beltway certainly deserves that title as the highway is always filled to the brim with honking drivers.

Why does the local suburban crawl population in our area keep expanding every year? It only adds to the ever growing traffic congestion problem in the region where I live and grew up. Just because the public schools in suburban Maryland and Virginia are some of the best in the nation and the federal government places the vast majority of its jobs in the city doesn't mean everyone have to move here. Why not move to say - neighboring West Virginia or the Appalachian area of Southern Virginia? I hear they have plenty of

By MoneyBlueBook

These days I've been working from home and enjoying time off from my full time contract legal gig. On some level I miss the daily human interactions and the regular social associations offered by traditional lines of work, but I don't miss the early morning mandatory work schedules or the need to kiss a supervisor's butt cheeks for the sake of getting on his or her good graces for promotion purposes or to ensure a steady stream of future work opportunities. The inevitable downside of working as someone else's employee has always been that you are funneling your own efforts and personal abilities to help someone else grow their business and make them wealthier. In exchange for your services, you are usually offered a set salary or in my case, an unpredictable but very decent wage rate, as well as the occasional health benefit package and transportation related fringe benefits. However, the fact remains that as long as you continue to work for someone else, you never truly own the fruits of your own labor - and I think it's important to own your own fruits.

Over the last few years, I've learned to incorporate blogging and online websites such as my personal finance and frugality blog and a few other attorney based blogs (I prefer not to reveal them here) into my tentative business goal of one day truly working for myself and ending the cycle of exchanging hours for money. While my online sites are certainly growing rapidly and exceeding my

By MoneyBlueBook

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I had lunch with my brother at an Asian noodle place a few days ago and the subject of money came up. Somehow our conversation turned to credit cards, which prompted me to pull out my wallet and enthusiastically display my collection of multiple reward credit cards that I use to make virtually all of my day-to-day purchases. I carry multiple cards for different purchase functions such as having a dedicated gas credit card, grocery credit card, dining out credit card, and an all purpose credit card not covered by other reward programs. My card strategy has always been to maximize my use of credit cards to get the most out of reward points and cash back offers. Not including the ones I regularly carry around, I also have a few other balance transfer cards sitting at home, having already tapped out their 0% APR offers with no other remaining reward deals to offer me as a card consumer.

I See Reward Credit Cards As The Way To Earn Lots Of Arbitrage Cash Back and Free Gift Rewards From Everyday Purchases

What can I say - I'm a big proponent of using credit cards and rarely resort to using cash, which I see as an old school payment system that will someday be phased out in favor of more efficient and sanitary card payment methods. Since I started maximizing my use of credit by carrying around multiple reward cards, I've been consistently earning more than $1,000 in purchase rewards and cash rebates every

By MoneyBlueBook

I just made the most wonderful discovery a few days ago. Well it was wonderful in my eyes at least. I sleep pretty late these days so I decided to take a stroll downstairs to the condominium lobby. I currently rent a unit in a medium size condo complex. We have a small cozy lobby area with a front management room that doubles as a sales office. However, now that most of the condo units have already been sold, the small lobby is now more of a reception room for guests. Since I almost always enter the building from a side gated entrance, I rarely pass through the main lobby. But on this particular day I decided to visit the lobby for no particular reason other than to have some place to walk to. When I got there I saw something that I hadn't noticed before. Our building apparently stocks a free complimentary automatic Flavia coffee and tea maker for guests and residents to use! I'm sure some readers are rolling their eyes going "oh brother" at my almost whimsical fascination with my "treasure find", but it's a big deal for me. While Flavia coffee machines don't exactly produce gourmet, five-star cups of coffee or tea, they do a decent job of churning out fairly acceptable drinks. They are also extremely convenient. Like most of the dispenser pod-based machines out there, Flavia coffee and tea makers utilize pre-made coffee and tea packets to brew the drink. You simply select select the drink you want by

By MoneyBlueBook

If you've ever encountered sites on the internet that claimed to offer brand new laptop computers, mp3 players, or even plasma TV's for free, I'm sure most of you jumped to the immediate conclusion that they must all be scams. Well, on some level you may be correct and your initial instincts serve you well. But the misleading deception is not that they don't actually give out laptops, it's that these so-called free laptop offers do require some up front financial commitment and mandatory participation in a few monthly subscription programs. However, if you have a keen eye for seeking out deals that require the least amount of out-of-pocket effort, and know how to manipulate the rules by taking advantage of free trial offers, it's possible to walk away with a brand new laptop for only a fraction of its fair market value.

What I'm about to share may be time consuming and require almost anal, obsessive compulsive organizational skills, but the potential payoff at the end is quite substantial. For those of you who need the laptop or fancy electronic gadget right away, you probably won't have the patience for what this process demands. The procedure takes some time to complete and requires a lot of waiting - up to four months usually from start to finish. To successfully game the system and earn your almost free reward product you will need to be detail-oriented and willing to exercise patience and follow directions to the letter. If you follow these instructions, you should be able

By MoneyBlueBook

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