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Posts Tagged ‘credit’

Got Bad Credit?

Wednesday, April 2nd, 2008

Millions do in America. It’s a big problem, because bad credit can produce a detrimental effect on your life, especially if you want any kind of control over the quality of your future (as well as that of your family). It’s a good thing there are lenders out there giving second chances to people who’ve got bad credit.

When you’ve got bad credit credit cards can often seem the culprits. When you’ve got bad credit loans can seem intimidating. But even if you’ve got bad credit, you’ve still got options. can help you sift through the Second Chance Lenders. It is a website that provides comparisons for every option you need to consider when you’ve got bad credit. It can help you make the right choices when dealing with loans (auto, home, and personal), credit cards, and a bunch of other stuff.

Once you decide which option is best for you, you can apply online at One good thing about dealing with a Second Chance Lender is that once you’re approved, you can immediately begin rebuilding your credit and reshaping your future.

Charge It!

Tuesday, March 25th, 2008

I once heard that there’s a credit card company that operates a little differently than one might expect. Under normal circumstances, you get a credit card, go out, buy a $100 pack of Cadbury Eggs, and charge it to your credit card. Then later, the bill comes. You pay the $100, and you’re set. Mission Accomplished!

But this other company is different. You buy the $100 pack. Wait around. The bill comes. Says $100. You pay $100. And they charge you interest. They say you didn’t pay enough. They say, “You need to pay enough to cover any possible interest. We’ll credit your account with anything leftover.” So what you should have done was pay $110, and get $10 back later. Instead you got charged interest …on what? On nothing!

Now, I’m not really sure if that’s what happened. I only heard this story once, and it hasn’t happened to me personally. But I think it’s pretty lame. It’s the kind of thing you have a problem wrapping your head around, and yet some company has that rule for some reason. I’ll bet there are a lot of similarly messed up rules, and that’s why so many people are having debt problems. At least there are plenty of debt consolidation articles to read.

ATM FROM CBN (Email Spam)

Wednesday, March 19th, 2008

Man! I'm so rich, I know so many professional people, and I'm in such good standing with Nigeria these days! I can't wait to spend my millions of dollars…

[Begin Email]

Date: Tue, 18 Mar 2008 07:36:15 -0800

From The Desk Of
Prof. Charles Soludo
Governor, Central Bank of Nigeria (CBN)
SUBJECT: Immediate Release of Your FUND Via ATM CARD

Attention: ATM Card Beneficiary,
I wish to use this medium to inform you that your CONTRACT/INHERITANCE
Payment of USD$10,000,000.00 (Ten Million United States Dollars) from
transfer to you via an ATM CARD which you will use to withdraw all the
USD$10,000,000.00 in any ATM SERVICE MACHINE in any part of the world,
but the maximum you can withdraw in a day is USD$10,000.00 Only
We have mandated CITI BANK IN NIGERIA to send you the ATM CARD and
PIN NUMBER which you will use to withdraw all your USD$10 Million
Dollars in any ATM SERVICE MACHINE in any part of the world, but the
maximum you can withdraw in a day is USD$10,000.00 Only.
You are therefore advice to contact the Head of ATM CARD Department of
Contact Person: DR MICHEAL BROWN
TEL 234 80 22348461 OR 234 7027682725

Tell DR MICHEAL BROWN that you received a message from the CENTRAL
BANK OF NIGERIA. Instructing him to send you the ATM CARD and PIN
NUMBER which you will use to withdraw your USD$10 Million Dollars in
any ATM SERVICE MACHINE in any part of the world, also send him your
direct phone number and contact address where you want him to send the
ATM CARD and PIN NUMBER to you As you will take care of the little
insurance and shipment fees
We are very sorry for the plight you have gone through in the past
years. Thanks for adhering to this instruction and once again accept
our congratulations.
Best Regards.
Mrs brown
Prof. Charles C. Soludo.
Executive Governor,
Central Bank of Nigeria (CBN).

[End Email]

Sent from Wow, a foreign Presidency? Wow, gMail?! I must really be making an impression.

Professor Soludo is so nice to acknowledge the "the plight [I] have gone through in the past years." How very kind. It has been tough. What with everything going on, and all. It will be nice to finally have access to an ATM card that can withdraw more than a couple hundred bucks at a time. $10,000, here I come! But I wonder if I can tweak things so that I can eliminate all those extra trips? It would be really great if I could just walk right up to the corner ATM, the one with the card-washing station, and withdraw the full Ten Million in one fell swoop. I think I'll give that a try tonight!

***Update: It didn't work.

Ha ha, fooled you! I didn't really try it. I just thought it was funny to picture someone going up to a random ATM and planning on taking out $10 million! That's crazy…

By the way, just in case you hadn't heard about this before, a card-washing station next to an ATM is usually a means for thieves to gain access to your card information and or funds. So don't wash your cards! Dirt is back in style.

Free $150 In Microsoft adCenter Clicks, Plus Free Support *Americans Only*

Monday, February 4th, 2008

Frustrated with Google AdWords? You might turn to Yahoo, where the "ad quality" standards are less stringent. But it costs $30 to sign up. So who else is there…? Microsoft! Many have said that they've got softer standards, and some of the lowest costs per click around! And adCenter only requires $5 to sign up. Plus, since they're the new kids on the block, they've got codes all over the internet for free clicks!

You may have seen an offer for a $25 credit.

You may have seen one for $50.

I've got one for $150.

I did a quick search, and came upon this page:

Trying to visit it, both IE and Firefox warn that it may not be a trustworthy site, as something seems to be wrong with its certificate. However, it's part of, so I found it trustworthy enough to visit. I haven't noticed any problems.

Once there, a visitor is presented with a promotional offer of $150 in free adCenter credit for the first 5000 Microsoft Partners to sign up. From what I can tell, a Microsoft Partner is a special VIP of sorts. I'm not quite clear on the requirements.


The page says the first 5,000 people to sign up for adCenter using the promotional code MSPP-150QL-08 by June 30, 2008 will receive $150 in free adCenter credit, and 60 days of QuickLaunch campaign support, in which an expert helps you optimize your PPC campaign for free.

To continue with QuickLaunch after 60 days, you must be spending at least $30 per day.

Participation in QuickLaunch is optional.

To continue with adCenter after 90 days, you must pay for all subsequent clicks. After 90 days, your $150 credit expires.

Minimum cost per click (CPC) is $0.05.

Unraveling The Mystery

"Be among the first 5,000 partners to sign up…"

What do you have to do to be a partner?

"This offer is valid only for new advertisers opening a new account with Microsoft adCenter."

So that's anybody, right?

"Promotional credit good only for residents in the 50 United States and Washington, D.C."

Ok, so anyone new, in America.

Maybe the trick is to go through their special sign up link. And if that doesn't work, here's the regular link.

From what I've heard, when you sign up and enter the promotional code, adCenter will make no mention of your free $150 credit. However, it should appear under the Billing Activity section of Accounts & Billing in your adCenter user area. Also, this should work even if you don't have a Microsoft Partner account.

Randy Walker mentioned how this Microsoft Partner Program $150 promotion is part of the Microsoft Windows Server 2008 Certification program. He says you can sign up through the regular link, and using the code you should get the credit, so I think this will work for anybody. Let me know if you try it. Good luck!