Rockin' Randomness!

Wednesday, October 20, 2010

Whatever Wednesday: Hi everyone!

Hi readers, Jess here! Remember me? I'm a contributor here.

Today is Whatever Wednesday and It seemed like the perfect time to let you know about a recent change I made. So, I moved my blog probonolegaladvice.blogspot.com to a new website due to personal attacks through comments. Please pay me a visit at lawforsanepeople.wordpress.com.

Thanks everyone!

Tuesday, October 19, 2010

Top 26 Tuesday: Songs That Inspire Me

This is something I've actually wanted to compile and post for a while now, but just never really found enough time to finish and post it. Today just seemed like the perfect day. In honor of my 26th birthday the long long long really long list has been shortened to just 26 songs.

I'll Fly Away
Michael Buble/Joe Nichols- Home
He's Got The Whole World In His Hands
Rain Perry- Beautiful Tree (Theme to CW's Life UneXpected)
Gavin DeGraw- I Don't Wanna Be (Theme to CW's One Tree Hill)
Bob Dylan and The Band- Forever Young (Theme to NBC's Parenthood)
Ryan Star- Breath
Eminem- I'm Not Afraid
Martina McBride- Concrete Angel
Ryan Star- Breath
Glory, Glory Hallelujah (as performed by the cast of the movie Because of Winn Dixie)
Montgomery Gentry- Something To Be Proud Of
Eminem- Lose Yourself
Daniel Bedingfield- Gotta Get Thru This
Jamey Johnson- The Dollar
Jessica Andrews- Who I Am
Billy Gilman- One Voice
Randy Travis- Forever and Ever, Amen
Lonestar- Mountains
Daniel Powder- Bad Day
The Fray- How To Save a Life
Josh Turner- Long Black Train
Faith Hill- The Secret of a Life
John Michael Montgomery- Life's a Dance
Natasha Bedingfield- Unwritten
Tim McGraw- Last Dollar (Fly Away)

Hope you enjoyed the list.

Please write back and comment on whether any of these songs inspire(d) you and list any you think deserve to be on the list. Who knows they may just make a future list!

Today's my birthday!

I turned 26 and I have one simple wish...
Help out my cause: http://on.fb.me/d7vQDx.
PLEASE HELP MAKE MY WISH COME TRUE! :)

Monday, October 18, 2010

Motivation Monday: What Motivates Me

Firstly, they say it's my birthday tomorrow. That's right I will turn 26! Scary thought there haha. Please help me out by joining my cause. All the info can be found here on my fan page. It means more to me than life itself! Thank you!

What Motivates Me

Friends
Music
Blogging
Love of learning
MountainWings

Those are just some of the biggest things that motivate me. What motivates you?

Saturday, October 16, 2010

SAVINGS SATURDAY: Financial Planning Tips

Read these 100 Financial Planning tips to make your life smarter, better, faster and wiser. Explore 10 categories of tips ranging from Auto Insurance to Savings Accounts. Gurus keep the financial planning tips, advice and answers flowing to readers and fans, in exchange for promotion, free book publishing services and donations to the charity of their choice. Readers, Gurus, Charities—Everybody wins at LifeTips.com.

Different Bank Account Types
When you compare bank accounts, there are many differences to consider, whether you're reviewing checking accounts, interest-bearing checking accounts, or savings accounts.

Evaluating Bank Services
A banking relationship is about more than just the interest rates of the savings accounts and mortgages--it's also about you getting the services you want. When you compare bank rates, don't forget to compare customer service methods and online banking availability as well, depending on your priorities. Here are some things to consider:

Can you transfer between accounts online? Is there a fee to do so?
Does the bank have an automated system for answering calls? Is that something you are comfortable with or would you prefer a live operator system?
Is there a bank branch near your home or office?
Are there ATMs available where you shop and work, or will you have to pay a fee for every transaction?
Is your bank open during hours that you find accessible or are the hours too restrictive to work within your schedule?
Do you need national and international wires to and from your account? Can your bank accommodate that?
Will the bank allow free transfers between accounts?

Who Needs a Savings Account?
Savings account rates are not notoriously high. This leads many people to avoid the work put into comparing the rates of savings accounts and just leaving their emergency cash fund in their non-interest-bearing checking accounts. But no matter how low savings account rates are, some growth is better than no growth, so it's still better to deposit your money in a savings account than it is to leave it in a checking account.

Example: Let's say you have $1,000 to deposit in a savings account for emergencies. If you leave that in your non-interest checking account for a year, you'll still have that same $1,000 at the end of 12 months. It's even possible that you'll have less because you're more apt to the spend money that's in your checking account than the funds in your savings account.

Now, if you deposited the $1,000 in a savings account earning 1% interest compounded monthly, you would have an additional $127 by the end of the year. So even though a 1% rate is not high and certainly won't bring you to retirement, it's more growth than no growth.

High-Interest Savings
Believe it or not, it is possible for the average investor to get high interest savings accounts. With rates upward of 2%, these high interest savings accounts may not make you rich or compete with the growth of stocks or mutual funds, but as far as savings accounts go, they're impressive.
High interest savings accounts are great tools for emergency cash, short-term investments, and any money that you want to gain a small return on for limited risk. It's important to remember that the rates on high interest savings accounts could be less than the rates of many bonds and CDs, which are also considered lower-risk investments. Before you settle on a high interest savings account, compare the rates of all low-risk investments.

Of course, bonds and CDs can lock you into their vehicles for a certain period of time, which can give you some liquidity risk. For instance, if you invest in a bond and need to liquidate, you must find a buyer. If new bond rates are higher, you might have to sell at a discount in order to get any buyers. In addition, CDs might have charges if you take your money out before it matures.

Friday, October 15, 2010

It's Freebie Friday and...Freebies Rock (Randomness Rocks)

Hooray for Freebies! Who doesn't love free? If you tell you don't I'll laugh at you then if I ever stop laughing so hard I cry I won't dare believe you cos I know you are lying! Today's freebies come from: