A Two-Pronged Credit Card Rating System (Part 2 – June 2019)

 

A TWO-PRONGED CASH REWARD CREDIT CARD RATING SYSTEM

I’ve developed a credit card rating system that is very helpful in choosing Cash Reward Credit Cards. Specifically, the system analyses what particular cash rewards credit cards can and can’t do to help lower my monthly charged expenses at any given time.

THE TRAFFIC SIGNAL SYSTEM

cash-rewards-rating-system
My system is similar to the way a traffic signal works. The image is from Pixabay.

To start, the first part of the system is analogous to how a traffic signal operates. In other words, Cash Reward Credit Cards offer percentages of cash benefits to cardholders for charging purchases on their cards. Then, there are a variety of different qualities to benefit from.

To make the most of cash reward credit cards, become familiar with the benefits of all the cash reward credit card accounts being considered. As a refresher to the first post in this series, cash reward credit cards use can be divided into three benefits categories. For example, this is similar to a three-colored traffic signal. Thus, I have named the cash reward credit cards as reflections of the actions to take in response to traffic signal lights:

 

 

GREEN LIGHT indicates a clear go-ahead signal
YELLOW LIGHT suggests proceeding with some degree of caution
RED LIGHT urges avoiding or proceeding at one’s own risk

Study and choose carefully. As mentioned, this is because cash reward credit cards do not all have the same qualities or rates of return. In fact, they can be very different. As a result of studying each card’s personality, one will become familiar with the specific qualities. That way, a person will have an idea of how to plan for the most beneficial outcome. This means studying how best to use each card on its own. It includes observing the power of using them in combination with others.

CREDIT CARD TEAM WORK

In fact, cash reward credit cards work best as a team. Let me explain how this works. Different cards offer a different % of cashback for different categories of purchases. Thus, the ideal situation is to gather a group of the highest rate of cash return for each of the card categories that one uses most. For example, if one charges mostly for groceries and gas each month, the goal would be to acquire cards that pay the highest rate in these categories. In fact, these days that can be between 3% to 5%, and even 6%.

cash-reward-rating-system
A straight flush compared to a winning hand of cash reward cards. Image from Dreamline.

LET’S PLAY CASH REWARDS POKER

Ironically, credit card teamwork actually reminds me of a winning hand in the card game of poker. In comparing the two, one would want to come up with cards of the same suit. But each with a different card in numerical order. This is known as a straight flush. See the example above. In actuality, the only difference is that in the game of poker there are only 5 playing cards. But in my credit card system, there are ideally 6 credit cards. Therefore, a winning hand would be 6 cards with these percentages in the categories listed:

6% for US supermarkets
5% for all purchases on a store card
4% for dining out
3% for gas
2% for health care
1.5% for all purchases

Here’s a tip from James Wang of WalletHacks.com. Be certain to label credit cards with a magic marker to remind you what card to use for what category of purchase and % of the return. By doing this, you won’t forget and use the wrong card. Remember, you want to get the highest percentage of cash return out of each purchase. For that reason, this clever trick is invaluable.

CONCLUSION

Note that the next three blog posts in this series will specifically explore two things. First, each of the qualities of cash reward credit cards will be explored. Then specific cards will be analyzed. An easy way to remember the categories is Green for GO, Yellow for CAUTION, and Red for AVOID or proceed at your own risk!
Here are the links to all five posts in this series:

Introduction to A Credit Card Rating System (Series Part 1 – June 2019)
The Rating System Used for Cash Back Credit Cards (Series Part 2 – June 2019)
Excellent Cash Reward Cards (Part 3 – June 2019)
Mixed Cash Reward Credit Card Benefits (Part 4 – June 2019)
Risky Cash Reward Credit Cards (Part 5-June 2019)

Please note: I am not a certified financial planner or professional advisor. These blog posts about the use of credit cards are based on my own experience which I freely share. But I can take no legal or financial responsibility for the results you may have in attempting to follow my system. But I do wish you the best and welcome your comments and questions at the VERY end of this post. You will have reached the end because you can not scroll down any further. As well, you will have reached the comment form.

 

SOURCES & RESOURCES

Credit Card Categories, Sign Up Incentives and Cash Rewards

How To Compound Cash Rewards

Nerd Wallet | Credit Cards Market Place

The Former Middle Class Ebook Series

U.S. News’ 10 Best Cash Back Credit Cards

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A Credit Card Rating System Introduction (Series Part 1 – June 2019)

 

A CREDIT CARD RATING SYSTEM

The responsible use of cash reward credit cards has been very helpful in reducing my monthly expenses. In order to help me decide what new credit card I should apply for at any given time, I have developed a credit card rating system. It guides me in determining which credit card will best meet my needs at the time I apply for it. This blog post series will explain my system in detail to help others decide what cards and card qualities to consider as well.

THE CATEGORIES OF CREDIT CARDS

The categories of credit cards are shown in the illustration below. Note that each serves a different purpose. Cash reward credit cards provide a crucial feature that some of us value most, cash back for a reduction in expenses. To apply the system where it has great value, I will use the cash back or cash rewards cards category as the primary focus of this blog post series, A CREDIT CARD RATING SYSTEM.

credit-card-rating-system
“CompareCards says issuers are providing such generous deals, they’re virtually irresistible for those willing to switch.”
CASH BACK AKA CASH REWARDS CREDIT CARDS

With cash back credit cards, one can get reductions in monthly credit card charges. This is crucial for the survival of someone who is a Former Middle-Class Person as well as a senior citizen. In fact, the benefits offered to make life easier with these cards increases almost daily. This is because credit card issuers are becoming increasingly competitive with generous offers to lure new customers to switch credit cards.

ADD TO RATHER THAN SWITCH CARDS

It can be preferable to add a new credit card rather than switch by elimination. On the other hand, there are many details to keep in mind when adding rather than switching. In spite of that, one major benefit of having a bounty of (cash reward) credit cards is a substantial amount of total available credit. This means that if a credit cardholder uses a very small % of his/her total available credit each month, a major factor of one’s credit score remains ‘EXCELLENT’. When it comes to credit scores, most systems use a total of six factors and using a small % of available credit is one of them. But adding new cards definitely has its pluses and minuses. In spite of the challenges, I have found adding cards to be a plus. More about this in the other posts in this series.Here is an article about this from Credit Karma.

credit-card-rating-system
There are Six Primary Credit Card factors in the major FICO® scoring system as illustrated by Credit Karma®
HOW TO KEEP MANY CASH BACK CREDIT CARDS ACTIVE AND IN ORDER
There is no way to use every card each month. As a result, I use a rotation/pairing system that allows me to use only several cards each month. The pairing part means that I make available one card in each of my charging categories, if possible. Even though I have developed a system, I still have to be vigilant. That means staying within my spending budget and making all my payments on time. In other words, there needs to be a way that I can keep track of every detail of every card at all times. More about that in the other posts.

credit-card-cash-rewards-cautions
Credit Card Cash Reward Categories are similar to traffic signals. This one is from Pixabay.
MY CREDIT CARD RATING SYSTEM AS IT IS APPLIED TO CASH BACK CREDIT CARDS

The additional posts in this series will focus on how my credit card rating system relates to how I choose cash rewards credit cards. I can and do use it for deciding on all my accounts. The beauty of this system is that it can be used across the board with any cash reward card. In fact, it can be used for deciding on any type of credit card as well.

SUMMARY

Here are the links to this five part series about my Credit Card Rating System: Introduction to A Credit Card Rating System
The Rating System Used for Cash Back Credit Cards (Series Part 2 – June 2019)
Excellent Cash Reward Cards (Part 3 – June 2019)
Mixed Cash Reward Credit Card Benefits (Part 4 – June 2019)
Risky Cash Reward Credit Cards (Part 5-June 2019)

Please note: I am not a certified financial planner or professional advisor. These blog posts about the use of credit cards are based on my own experience which I freely share. But I can take no legal or financial responsibility for the results you may have in attempting to follow my system. But I do wish you the best and welcome your comments and questions at the VERY end of this post. You will have reached the end because you can not scroll down any further. As well, you will have reached the comment form.

SOURCES & RESOURCES

To learn more about credit card cash rewards, go to these blog posts:
Credit Card Categories, Sign Up Incentives and Cash Rewards
How To Compound Cash Rewards
Nerd Wallet | Credit Cards Market Place
The Former Middle Class Ebook Series

The learn more about all kinds of credit cards, go to following link about CompareCards.com (A.) and its sublinks (B. through I.)
A. CompareCards® by Lending Tree
B. Best Credit Card Offers July 2019
C. Low Interest Cards
D. Balance Transfer Cards
E. Cash Back Cards
F. Reward Cards
G. Airline Cards
H. Business Cards
I. No Annual Fee Cards

 

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Actor Pablo Schreiber, the Nice Guy Who So Often Plays the Bad Guy

 

Pablo Schreiber the actor
Actor Pablo Schreiber, photo from his Facebook-Official Page

Pablo Schreiber, The Actor

Actor Pablo Schreiber often portrays the bad guy role on TV and in film. Sometimes I was not even able to watch an entire TV episode of Law & Order SVU because his acting was so believable as a very bad guy. In spite of that, I sensed that underneath his terrifying character portrayal there is a real-life nice guy. The following quote by Schreiber, explains it best in his own words and tends to confirm my gut feeling about him as a person and his outstanding acting ability.

“. . . . If there is a reason I’m able to make unsympathetic characters human, it’s because it’s my desire to find what drives the unsympathetic behavior. Almost always at the bottom of it is some deep insecurity. Putting your finger on what each individual’s particular insecurity is goes a long way to fleshing that person out.” Quote by Pablo Schreiber from IMBd
 

 

 

Pablo Schreiber Acting Projects

I have by no means seen all of Pablo Schreiber’s work. For an extensive list of his theatrical, TV and film acting, go to IMBd-Pablo Schreiber . To keep it simple, I will focus on two of his projects, one a TV series of several episodes that Schreiber is a guest actor in and the other, a recent film.
 

Law & Order: Special Victims Unit
Seven Episodes in Season 14 and 15

First is the series of Law & Order SVU episodes based upon a man, William Lewis who was a “serial rapist, serial killer, serial kidnapper, and sadist (later a spree rapist and spree killer)”. Quote from Law & Order

actor Pablo Schreiber
Pablo Schreiber in his terrifying role as William Lewis on Law & Order SVU

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Den of Thieves, 2018

Here I will explore Pablo Schreiber’s role in the intricate, keep-um-guessing, cops and robbers film, Den of Thieves with Gerald Butler, O’Shea Jackson Jr. son of Ice Cube and Jordan Bridges, son of Beau Bridges.

Schreiber is the organizer of a recently gathered crime gang composed of military buddies and athletic pals. The story is about a heist planned by a seemingly insignificant character, Donnie Wilson played by O’Shea Jackson Jr. Their target is the Federal Reserve Bank in Los Angeles. The theme and precision timing action make for on-the-edge-of-your-seat entertainment.

actor Pablo schreiber
Pablo Schreiber as Merriman,organizer of the gang, Den of Thieves in the movie by the same name, 2018

The story pits this gang against the Los Angeles Sherriff’s office, the bad guys versus the good guys. But the movie juxtaposes their leaders, ‘Big Nick’ O’Brien played by Gerald Butler, and Merriman, played by Pablo Schreiber to illustrate that there is little difference between them. Both are violent, adrenaline junkie action seekers festooned with beards and plenty of tattoos. They will stop at nothing.

actor Pablo Schreiber
Gerald Butler as ‘Big Nick’ O’Brien of the LA County Sheriff’s office in Den of Thieves, 2018

 

What’s Next?

“A psychotic oil matriarch leaves the whole industry exposed when she attempts to outfight a bullish farmer whose water has been poisoned.” Quote from IMDb description of the movie
Director: Edward James Olmos
Writer: Robert McEveety
Stars: Haley Joel Osment, Pablo Schreiber, Alfred Molina

actor Pablo Schreiber
The Devil Has A Name, coming in 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Who do you think will play the “bullish farmer”? Will Pablo Schreiber be the hero or the villain? We will just have to wait until the movie comes out. I can hardly wait. How about you?

 

Sources and Resources

Wikipedia-Pablo Schreiber

IMDb-Pablo Schreiber Bio

LAW & ORDER: SPECIAL VICTIMS UNIT: ‘Psycho/Therapist’ Photo Preview

Den of Thieves

The Devil Has a Name

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Dunkin’ Donuts Rebrands Itself, Again

 

INTRODUCTION TO DUNKIN’ DONUTS BRANDING

In this blog post, I explore recent parts of the Dunkin’ Donuts rebranding programs. Specifically, when they started their new look of hot pink and orange bold lettering.

dunkin donuts rebranding program
The Dunkin’ Donuts® brand going back to the 1950’s from ‘Evolution of the Dunkin’ Donuts Logo’, a blog post written by Erin Wallace as a student at Virginia Commonwealth University

 

AMERICA RUNS ON DUNKIN’

Then a new slogan, ‘America Runs on Dunkin’® emerges. Along with it is a Work Progress Administration (WPA) like mural in matching vibrant colors to emphasize the slogan. Here is a blog post I wrote with accompanying video about this initial transformation. This is the blog post. Dunkin’ Donuts

 

DUNKIN’ DONUTS BECOMES DUNKIN’

Towards the end of 2018, Dunkin Donuts announces a dramatic rebrand to just Dunkin’. The word ‘donuts’ was to be eliminated. Here is a blog post I wrote describing this change and some visual that demonstrate what it would look like.

rebranding dunkin donuts
Examples of new packaging for Dunkin’

 

DUNKIN DOES NAILS

The latest branding program is a bold move. It is the collaboration with Lauren B. Beauty for a Signature Nail Polish collection of eight colors. Quoted from the Dunkin’ Donuts News article of May 15, 2019, Polish Off Your Signature Look with Dunkin’s First-Ever Nail Polish Collection is the following:

The Signature Collection of Eight Nail Polishes

The polishes colors are “Cocoa Mocha, Caramel Craze and Blueberry Crisp, inspired by Dunkin’s new Signature Lattes, as well as Butter Pecan, Pistachio Almond Fudge and Banana Split in honor of our seasonal Baskin-Robbins Ice Cream Flavored Coffees. Or, fans can rep our iconic orange and pink colors with the vibrant Slam Dunkin’ and Pretty in Dunkin’“. These vegan-friendly polishes are available only in select salons across the country. In other words, they cannot be purchased at retail locations, to the disappointment of many. But with Dunkin’ Donuts, I mean Dunkin’ who knows what will come next.

The US Map showing where salons are that have the Signature Nail Polish

 

SOURCES AND RESOURCES

Evolution of the Dunkin’ Donuts Logo by Erin Wallace

Polish Off Your Signature Look with Dunkin’s First-Ever Nail Polish Collection

Design by Dunkin’: The Dunkin’ Donuts Brand

Branding Part Two: “Just Call Us Dunkin’®”

 

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Handmade Crafts Historical Exploration

My handmade crafts historical exploration started out with the intention of distinguishing two major handmade crafts categories, hard and soft crafts. The distinctions are not absolute. This is because the differences are not always clear cut. In addition to that, these terms have no official documentation or recorded definitions.

In spite of that, these terms may be helpful in clarifying some of today’s complicated, definitive distinctions, Handcrafted vs. Homemade and Art vs. Craft for example. In this blog post (series), which is actually a soft crafts project, I will travel through history to illustrate what are contrasts and comparisons between hard and soft crafts as well as explore other crafts related gems.

HANDMADE CRAFTS HISTORY

Crafts Guilds

An explanation of the term handmade crafts as we ponder it today needs to come way before a distinction between hard and soft crafts can be made. Even before the Industrial Revolution which brought about the Industrial Age, when most things were pretty much made by hand, the term crafts was employed. In fact, there were highly regarded Crafts Guilds.

handmade crafts
Crafts Guilds in the Middle Ages
The Purposes of Crafts Guilds

Crafts Guilds served several important purposes in the Middle Ages lasting even to this day. Most significant is this quote from, The Purpose of Crafts Guilds in the Middle Ages. Gaining Elite Membership in a Guild:
“A man would have to work through three phases to become an elite member of a Medieval Guild during the Middle Ages – apprentice, journeyman, and master.” How similar is that in today’s world of true craftsmanship?

handmade crafts
A Craftsman’s Legacy by Eric Gorges
This soft crafts project was inspired by and is dedicated to a craftsman I greatly admire, Eric Gorges. He is the TV host and writer of A Craftsman’s Legacy. The continuation of this story, a soft crafts project itself, will be more chapters or blog posts about the history of crafts and craftsmanship.

SOURCES AND RESOURCES
Handcrafted vs. Homemade

Art vs. Craft

Decorative Art

Applied Art

Craft Guilds in the Middle Ages

The Purpose of Guilds in the Middle Ages

A Craftsman’s Legacy

 

 

 

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Do Grammar and Spelling Matter Any More?

 
“Do grammar and spelling matter any more?” I wonder about this when I read how other people write online. Whether it is an email, a blog post, a website or even an eBook, so many people make grammatical and spelling errors. Don’t even mention texting. That is a digital language all it’s own that has destroyed the English language, completely.

grammar-spelling
I seem to be achieving high marks on grammar thanks to the Grammarly program

WHAT I LEARNED IN THE 8TH GRADE

I studied grammar and spelling in the 8th grade. Because it stuck with me, I can spell and write with some degree of intelligence.

But even if I couldn’t, there is no excuse for my writing to not be correct. This is because programs like Grammarly have come upon the scene. The result is that no matter how poorly I spelled or used grammar, I could still come out looking like a pro.

Grammarly doesn’t compensate me to say this. In spite of that, I have to mention this topic because it is important. Not only that, I think it matters that people write correctly. It is a reflection on a writer’s intelligence related to an entire piece of writing.

For example, I read an article on a topic that really interests me. But it was a real disappointment because the author did not know simple junior high school grammar. Since that annoyed me so much, I tried to write to him to let him know how bad it looked.

But my email bounced. So out of frustration, I decided to write this blog post instead. Even if the author this message was meant for doesn’t see it, at least other people will find out how to have correct grammar and spelling thanks to my friend Grammarly.

grammar-spelling
What Fast Co has to say about Grammarly
grammar-spelling
How Grammarly Helps Me to Write Like a Pro

WHAT I LEARNED THIS YEAR

The 8th grad was a long time ago. In addition, I am more accurate with a pen than I am with a keyboard. So I needed some help when the latter became the tool of necessity. Because of Grammarly, my grammar is top notch and I can still spell like a pro.

In this digital day and age, anyone can become a published author. That is why proper grammar and spelling are crucial. As a result, tools like Grammarly are indispensable for writing to be professional, as well.

There are still human editors for those who can afford them and those who have time to wait for their corrections. Personally, I like to publish what I write quickly and inexpensively. The basic Grammarly program is free and it is immediate. That’s good enough for me and I am not alone in my evaluation.

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Credit Card Cash Rewards Explained

 
Credit card cash rewards can offer added benefits to credit card owners. But sometimes it can be confusing to claim them. In addition, not all cash rewards are the same.

Types and Distribution of Credit Card Cash Rewards

There are several types of credit card cash rewards as well as different ways they can be distributed. It is important to know when and how they can be made available to make the most of these rewards.

Credit-Card-Cash-Rewards
American Express® statement credit cash reward printed and stored either digitally or manually for proof of distribution.

Types of Cash Rewards

There are between three and four types of cash rewards. The most direct is the statement credit applied directly to your credit card statement, illustrated above. But which statement is the question. Is it your current statement or your next statement? I often find that a call into the credit card company is needed to clarify this question.

The other types of cash rewards are illustrated here. They are gift cards, merchandise and friend referral rewards.

Credit-Card-Cash-Rewards
Types of additional cash rewards available as illustrated by Amex®.

Distribution of Credit Card Cash Rewards

This is where things can get confusing. Distribution has several options:
• anytime by request online or by phone
• with a minimum of $25 in rewards by the same methods
• in increments of $25 in rewards by the same methods

credit-card-cash-rewards
Capital One® offers cash back in any amount at any time plus lots of other rewards.

Option One is the simplest and most direct. Capital One and now Bank of America credit cards both offer this service. See the illustration above,

Option Two is where things can get complicated and there are drawbacks. This is because you can’t withdraw cash rewards at any time. There has to be an accumulation of at least $25 to do so. American Express distributes cash rewards this way. Read the fine print inside the red outline.

credit card cash rewards
Cash rewards are available for a minimum of $25 dollars. See the fine print inside the red lines.

Then there is Option Three, the least desirable way to cash in cash rewards. They can only be made in increments of $25. As illustrated below, cash rewards can be distributed only in increments of $25.

credit card cash rewards
Wells Fargo Go Far® Cash Rewards program distributes rewards only in incremented of $25.

Reading the fine print is important to understand what types of credit card cash reward exist and how they can be distributed. You can also learn more about credit cards on this blog by going to the search bar and typing in credit cards.

SOURCES AND RESOURCES

Capital One Cash Back VISA Credit Cards
Bank of America Cash Back VISA Credit Cards
Wells Fargo Credit Cards
American Express Credit Cards

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Confessions of a Survey Junkie®

 

How I Became A Survey Junkie®

You may wonder, ‘how does one become a survey junkie’? How I became a ‘survey junkie’ is something I ask myself from time to time. Let me go back to explain how it happened.

survey-junkie
The Former Middle Class Ebook Series Facebook page header displaying the trilogy covers
The Poor Middle Class Crisis

Back in 2009, when we became One Day from Homeless, our finances and our lives changed completely. We went from being part of the gainfully employed middle class to part of The Poor Middle Class Crisis.

In our new Former Middle-Class Life, our weekly salaries and monthly investment incomes no longer existed. Instead, they were replaced by very limited monthly retirement social security incomes that had to last all month. To say the least, it was not easy. To put it bluntly, we became like feral children without the benefit of parents or teachers. We had to learn how to survive on our own and all over again. We had become part of The Former Middle Class.

Supplemental Survival Tools

What changed the most was our daily routine. Rather than showering and dressing in 9-to-5 Manhattan garb, we set out in old jeans or sweats to collect bottles on recycling days and cashed them in on other days. We also dress casually for the other parts of our routine. We frequent two food pantries once a week and one food pantry once a month. Between these tightly budgeted visits to supermarkets on senior discount days and doctors visits on other days, our weekday schedule is complete.

In between these activities we have our own indoor farm. We grow microgreens and sprouts to supplement our food pantry diet which tends not to have much fresh produce. In the warmer weather, these foods are not only delicious but super packed with nutrients. But here as well, indoor farming is time-consuming and can be hard work.

survey-junkie
The Facebook header of ‘Soil Is Not a Dirty Word’, Growing our own food indoors is part of our new life of supplemental survival tools

Once a day we do eat a substantial, home-cooked meal. The other two meals are more like snacks that include pantry scavenged food. I tried growing our own food, microgreens as well as sprouts, in our one bedroom apartment. I even got a food compost system to recycle food scraps into worm digested, super fertilizer. But that became arduous. We needed to discontinue these survival supplements and find easier solutions.

Using Credit Cards for Survival and Profit

As I detail in the second book of The Former Middle Class Ebook Series, I taught myself how to benefit from using credit cards. I developed a system that allowed me to decrease my monthly expenses with sign up promotions and cash rewards. Although soil is not a dirty word, using credit cards for survival and profit is a lot cleaner undertaking.

survey-junkie
How to Set Up a Budget

To this day, using credit cards for survival and profit is our most sophisticated undertaking. But it in itself has become a daily, part-time job. To keep on target financially requires hours each day checking online credit card accounts, going over spreadsheets, recording expenses, and tallying expenses by credit card and category of expense. At times, it is mindboggling. There are days when I even feel like it is ‘Greek to me’. In addition, I have accumulated a substantial number of credit cards that have to be rotated every few months to keep them active and viable.

With all the challenges involved in this system, we have managed to rise to FICO credit scores of over 800! When it was below that, I was able to find out why and quickly remedied the situation. I am very proud of this accomplishment and still apply for additional cards but much less often. This finally brings me to where becoming ‘a survey junkie’ came into the picture.

Other Supplemental Survival Tools

Over time and between discovering this boon to our survival, I needed to explore what I call, other supplemental survival tools. Many of them are explored in Chapters 4 and 5 of the first book of The Former Middle Class Ebook series, The Poor Middle-Class Crisis.

It is not a good idea to apply for new credit cards too often. It can raise a red flag with the credit card provider companies, resulting in denials and lower FICO® scores. In order to avoid that, it is necessary to introduce supplemental survival tools. One of my financial gurus, James Wang of Wallet Hacks, often has terrific suggestions on his blog. Here’s one, Surveys for Money.

survey-junkie
From a blog post by James Wang, ’10 Legitimate Paid Survey Sites to Start Making Extra Money Each Month’
Surveys for Money

Way back when we became part of the poor middle-class, we really struggled financially. We had to adjust to a much lower standard of living. Not only that, we had to find perks to survive and still live a somewhat healthy life. Taking surveys was an option that came up in our research. But at that time, I found the idea boring and unappealing.

Well, things change over time and one’s perspective on what is acceptable and or distasteful have to adjust. Therefore surveys started to look interesting. They really didn’t take much time and they could actually be fun. In fact, I began to feel like I was part of the population that helps determine marketing procedures for products. I even felt special. The main thing is to take as little time doing it and make it a game rather than a nuisance.

James Wang has suggestions for technique as well as actual surveys. He puts Survey Junkey® first on his list. It is my preference and the only one I use. That is because there are too many available to make it time effective for me to participate in. It is also because I know it has the James Wang seal of approval. I have found that I can comfortably have a survey bonus of about $10. a month. It is possible to get much more. But my Survey Junkie® addiction is satisfied with by that. Stick around for more supplemental survival tools and other helpful topics.

survey-junkie
From the blog post by James Wang, A list of surveys that pay for you to take them
SOURCES AND RESOURCES
Wallet Hacks® by James Wang
Survey Junkie®
The Poor Middle Class
One Day from Homeless
Using Credit Cards for Survival and Profit
Why Did My FICO® Score Decrease by 12 Points in One Month
The Former Middle Class Trilogy
Soil Is Not A Dirty Word
Seed Mama Indoor Farming

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SEASONS GREETINGS 2018

 
Seasons Greetings 2018 is the most fitting thing to say at this time of the year. Even better than saying Seasons Greetings 2018 is showing it.

Each year Phil, my husband and I like to create or choose from our artwork something we feel would make a fitting greeting card. This year is a double winner. I had begun a decorative art & design project, bottle painting and decorating. They turned out so good that I created 9 of them to make into a Hannukah menorah.

seasons greeting 2018
Happy Hannukah Days menorah created out of 9 bottles I painted and decorated

The same 9 bottles were then transformed by my husband into Christmas tree ornaments. The result was our Christmas Card for our Seasons Greetings 2018 project.

Seasons Greetings 2018
Our Christmas card was also fashioned using my painted and decorated bottles.

Seasons Greeting 2018 to all. Whether you celebrate(d) Hannukah, will be celebrating Christmas, Kwanza or any other holiday at this time of year, we wish you a good one as well as a Happy New Year!

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