Think and Grow Rich

Sunday, October 12, 2008

Service for Women

credit card offers Yesterday my wife asked me to find a new credit card for her. She has been using her card for more than 3 years. Credit card terms have been changed after all this time. Today there are so many offers with different benefits, such as incredible cash back, air miles and gasoline rewards, some deals come with lowest APR and no annual fee. Perhaps, we could find a beneficial credit deal earlier, but we did not think of it at that time.
So, I browsed through many web sites yesterday and found a special site wor ladies - It has very beautiful design and is written for women and by women. Besides, it contains many attractive credit offers. I chose 0 balance transfer credit card. I think, it's better to transfer balance from her old card to this one. I hope it is the first step to teach my wife saving money :)

Tuesday, October 7, 2008

Second Wind

Hello everybody! I got back from my holiday at last! And I'm dying to proceed to business! Man alive! I am glad I dared to stop working! Now I have more vital energy than ever. It is so wonderful to vacation with the whole family together. We visited Australia. It was beyond my wildest dreams. Mysterious nature, individual culture, friendly people, tasty food, different kinds of sports... It is just a small part of Australia charm.
I'd like to share some unforgettable views with you.

Twelve Apostles, Great Ocean Road, VIC

West Gate Bridge, VIC

Royal Exhibition Building, VIC

View of Canberra from Telstra Tower, ACT

Parliament House, ACT

Sydney Olympic Stadium, NSW

Hike to Mount Feathertop, VIC

Tuesday, September 30, 2008

Recess Time

It has come to my notice that I turn into worn-out old man. I'm done up and must rest indeed. Cause all my family and friends say this. I guess, it is a serious occasion to think.
Thus, I decided to make up a picnic and invite many people. I hope such a piece of fun will help me to divert my attention away from imperious problems. So, now I'm going to buy delicious food and small things for our picnic. Yahoo!

Monday, September 22, 2008

My Friends' Business

My friend shared to me that he's starting a business at a certain place here in the city. But before he started his auto parts business he encountered a lot of trials and consequences. First, he checked his budget if he's capable of building a business. Good thing happened, and one of our friends wanted to be a part of the planned business and they became partners later on. So, they looked for a reputable supplier for all the items and parts that they're going to sell and scouted for the best location where they can have their store. They launched the business a month ago and unfortunately I was not able to join their opening. I was at NY when they invited me to come. Well, maybe one of these days I can visit and check their store. Congrats guys!

Wednesday, September 17, 2008

Teen Jobs

teen job
All teenagers dream of their own pin money. Not every parent is ready and wish to give his/her kid enough money. In a measure they are right, cause there isn't another way to teach a child earning and managing money. Sometimes I think what job teenagers could find.. Few points I can offer at a wild guess:
  • flipping hamburgers
  • bagging groceries
  • cleaning service
  • pet sitting service
  • catering service
  • painting service
  • online Web business and so on
There are really a lot of opportunities for young people. As the saying is, where there's a will, there's a way.

Friday, September 12, 2008

Save Your Money on Flights

air miles cards What should you do if you don't have quite enough cash in the bank or miles in your frequent flyer account to get you to your destination? You may want to consider cash-and-miles promotions as an option. Members of Alaska Mileage Plan, American AAdvantage, Continental OnePass, and Midwest Miles can take advantage of ongoing cash-and-miles programs to purchase regular or last-minute airfare.
Instead of paying the regular published fare or redeeming the normal amount of miles for economy award travel (usually 25,000 miles), all four airlines let you redeem a reduced amount of miles on some routes, with a co-pay starting at $29 (or, in Alaska's case, a 50 percent discount off the full fare). The amount of cash and miles you spend depends on either the distance you plan to travel, or the total price of the fare.

Wednesday, September 10, 2008

To Give an Allowance Or Not to Give?

Some parents choose to give their child an allowance and others do not. An allowance can be helpful in teaching children to manage money but is not the only way this can be done.

If you choose to give an allowance:
1. Decide the purpose of the money. Will it be for extras such as snacks, toys, entertainment — or for necessities such as lunch money or bus money?
2. Decide on what you can afford to give as an allowance. Be sure once you make a commitment to an allowance, it is something you can give on a regular basis. This may mean setting it at less than a dollar a week. The amount is not important. What is important is giving your child a sense of money and how to spend it wisely.
3. Be clear on your rules regarding the spending of the allowance. Can your child spend it on anything? Must he save a portion of it? Are there some things that would never be OK for him to buy?
4. Don’t give “extra” money for those things that have been reserved for allowance. Don’t buy them a snack at the store because they have already spent all of their allowance.

If you do not give an allowance, use other opportunities to teach your children about money. When you take them shopping tell them how much they have to spend and make them stick to that amount. Make them aware of how much things cost and help them make good choices.

Sunday, September 7, 2008

Help Your Child Become a Good Money Manager

You are a role model for your child.
  • Let your children see you managing your family income and keeping financial records.
  • Try to guide and supervise your children’s spending, rather than dictating to them how to spend their money.
    • Be clear about money and spending rules. What items are OK to buy and which are not?
    • Help them think through their choices.
    • Allow them to learn from small mistakes.
    • Praise them when they make good money decisions.
    • Do not use money as a reward or punishment — nor to pay for regular family chores.

Tuesday, September 2, 2008

Your One-Stop Credit Shop

credit shop
When you decide to put forward a credit card application, it can be one of the most frustrating processes for majority of consumers. Most problems arise due to the bad credit history that shows you cannot handle your bills and hence pushes your application to the curb. You will often have to sort through, tons and tons of potential credit companies before settling on one that is often more of a compromise than a preferred choice. is one of the leading sources of credit card offers and credit card reviews online. Their goal is to save your time and make the choice easier by enabling you to search, compare, and apply for a credit card in one place, ensuring that you get a good deal according to your criteria.

Sunday, August 31, 2008

Bad Experience


I recently had a very bad experience on some airlines and wanted to know if other have ever had this experience. I have also received no real response from them despite have snail mailed, faxed (twice) and e-mailed them.

I was on a delayed flight from NYC was worried about making my connecting flight to Lima. When I tried to speak to a flight attendant about this, I was verbally abused. After thinking about it for a few minutes, I decided to get up out of my seat and ask the flight attendant for his name and badge number so I could file a complaint. At this point the plane was still sitting at the gate and had not moved for 30 minutes. He refused to give me his name and said that if I did not return to my seat, he would have me thrown off the plane. I returned to my seat, and he immediately called the pilot to try to get me thrown off the plane. He also filed a written complaint on me and continued to be abusive throughout the flight - at one point telling me that I was stupid, selfish and obviously had no experience flying. I have a traveling companion who will verify everything that I have written here.

Now I can't get any repsonse from that company and I am not sure what to do. I may never deal with them again. Does anyone have any suggestions? I would at least like a decent apology from the airline.

Wednesday, August 27, 2008

Do We Work to Live or Do We Live to Work?
I am in random thoughts about these two concepts lately… Sometimes the former is quite ideal but the demands of the modern techno-savvy world which is for us to work more than what is the usual enslave us to push ourselves to the highest limit…. Work, work, work, work. Sometimes it’s too tiring. But what else is there to do? How else would we spend our time?

Monday, August 25, 2008

Get the Facts on Gas Station Credit Cards

gas station
So you are considering the idea of applying for a gas station credit card. Figuring that it will allow you to easily get a better handle on fuel expenses for each month, there are also added perks like receiving cash back with every purchase.

Prepaid gas cards

My dad used to have an expression that he was fond of. "If you need to use a credit card, then you do not need to buy it." Depending on the health of your financial situation, I believe this to certainly be true. For many people out there, looking for creative ways to get free prepaid gas cards is not only possible, it is simply smart economics. Not only that, but going with prepaid gas cards also means you have a better shot of avoiding gas station identity theft as well.

Just use cash

Believe it or not, a growing number of gas stations will give you an instant discount for simply using cash in lieu of a credit card at the pump? Savings can be up to 5% in some cases, depending on where you live.

Gas Station Credit Cards

When used with responsibility, you can actually make this form of payment work out rather well for you. When possible, consider using gas rebate credit cards. With this type of gas card, you can often save up to 3-6% cash back on card purchases. On the flip side there are some important tips to remember when considering this type of card.
  • Be aware that the gas credit card issuer runs the show. It is not at all unusual to find that the great 5% cash back falls to something like 1-3% after a set number of months.
  • Considering the point above, look for a card without a yearly fee if possible. This way if you are paying off the card each month, you are still getting “something back”, even if the cash back rate does fall back after the introductory period.
  • Never carry a balance. Once you do, any benefit of a gas rebate credit card goes up in flames very quickly.

Monday, August 18, 2008


This is the house I grew up in. The last window on the left is my room (the only window with the brown blinds). I miss home. The fence is actually pretty new. I helped my mother build it. We painted it and put the posts in one summer and now we have a white picket fence. It's pretty awesome. This is a very normal house in my hometown. Basic and standard. But it is home. And I miss it terribly. I am so thankful that I get to go home for Christmas and see my family gathered in this home, eating dinner and being together. I can't wait for Christmas.

Friday, August 15, 2008

Travel Insurance

travel insurance
Of course you can’t start your trip without any insurance and that is very sensible. Because who knows what may be happen abroad? Travel insurance will protect your trip in case of a cancellation, travel delay and trip interruption. Besides we have to take into account such unpredictable things as terrorism, crushes or just surprises of weather.
One must be insured in all of your prepaid, non-refundable trip costs including airfare, hotels, tour costs and even course fees. Medical insurance protects your health while you are traveling - domestically or internationally. So while you are going to travel you must be care about good travel insurance, based on your travel details. Have a wonderful trip!

Wednesday, July 16, 2008

Regain a Good Credit Standing

We all know that many in the population suffer from a bad credit history, thus affecting their lifestyle and their purchasing power. There’s nothing worse than being declined of a loan or mortgage just when you need it. But everyone deserves a second chance, that’s why there are good companies who offer bad credit loans for people who need them. This way they can slowly rebuild their credit and eventually have a good credit standing. And when that happens, the more offers and opportunities would go your way. Having a good credit history is a key to building a better future. Like how everyone puts it, especially in the US, credit is life. The better you handle your credit, the better your life would be.