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Archives for May 2007

Almost debt free

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I’m lucky enough to be almost debt free. Oh sure, we have a mortgage on our house that we put money down on twice monthly, and of course we do have a credit card that’s built up a balance that we are working to pay off, but other than that we don’t own anyone any money.

I’m really proud of how we stand financially. There were times in the past when we had to take out loans to consolidate debt, and we’ve had an unsecured loan in the past as well.

I hope those days are over. I really don’t like the idea of borrowing money. Especially when I have to pay it back at an unreasonable interest rate. I do think that for some people it’s far too easy to get a loan these days. It almost seems like the bank doesn’t check to make sure that the person will really be able to pay it off on time, and the next thing you know they’ve missed payment and then they are approved for a bad credit loan to help pay off the original debt. It just seems like a vicious cycle.

I’m so glad that it seems we are out of that now. If we ever do take out another loan it will either be a bigger mortgage loan or perhaps one of those secured loans so that we can do major renovations on the house.

Actually a new car might be in our near future. We don’t have the cash to pay for one outright so I suppose we’d have to finance that too. But that’s it. No more loans for us if we can help it.

How do you feel about loans?






My page rank went up!

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I was pleased to discover on Monday that the page rank for this site went up from a PR4 to a PR5. Yeahhhh!

I know some of you might not follow Google Page rank, but if you have a website you should know that Google assigns each site a certain level of page rank. This is a measure of the sites popularity. We all start out at zero, but as our sites age and we start to get some links from other sites Google takes notice and assigns a page rank to our sites. A page rank of 5 is pretty good.

If I keep working on producing quality articles for this site I could see it going to a PR6 or if I was really lucky maybe even a PR7. I think PR6 is a realistic goal. I’d have to do a lot of hard work to get it up to a 7 but of course, that’s possible too.

Right now this site is in a directory of my main domain feverishthoughts.com. What I’d really like to do is move this site to it’s own domain. Unfortunately, now that this site is gaining some good PR it’s a little harder to leave that behind to start all over again. I did however purchase a domain two weeks ago for this site. It’s called homeandgardendiva.com I haven’t even uploaded a blogging program to the site yet so it’s pretty much a dead site. I think I’ll work on that site for the next few months and hopefully the next time that Google comes around assigning page rank to everyone it will gain some PR and maybe I’ll move the posts from this site to the new one at that time.

What would you do?

Place the lowest unique bid and win a prize

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I decided earlier today to give bid4prizes a try. It’s a really cool site. You sign up for an account and then you get out there and bid for really nice prizes like HD plasma television sets, Cash, Apple iPhone, laptop computer or even a computer monitor. There’s lots of great prizes every day.

The goal is to try to get the lowest unique bid. You place a bid for an item, perhaps as low as 2 cents and then you get an email or text message on your mobile phone that tells you whether that is the lowest bid, or if others have bid lower or at the same rate. You can place several bids on the same item.

I think I placed bids on all of the current prizes. I think one of the items being auctioned should be done now, but others are set to end in a day, a week, or even 90 days from now. That’s right I forgot to tell you that one of the prizes is a BMW car!

I’m not a really lucky person but I’d certainly love to win any of the prizes that I bid on. Why don’t you give it a try yourself? It’s kind of fun.

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