Back in February, I posted an article regarding the First Time Home Owner’s Credit. It gave a pretty thorough breakdown of the program requirements.  While doing my daily browsing to stay abreast on various topics, I ran across an article that’ s alarming to me!  This money is available, but only for qualified individuals.  No, the government isn’t giving away any free money or money that you were entitled to that someone didn’t tell you about……. (continue reading…)

• Save Time, Money and Space in Over 80 Ways If you're looking for handy gadgets, tools and various items that can save you time, money or space (or all three!) this list of more than 80 top products is just what you need. Everyone's got saving money on their minds these days. Some of us are always looking to......
• Free Money to Try Some Financial Products Found the following offers that will get you some free money (no affiliate links): Free $50 from Sharebuilder with offer code: ym50 I signed up for a Sharebuilder account and just as recommended by Hustler $$$ Blog purchased 1 share of a less than $1 stock. Received the confirmation email......
• How we paid down our debt and saved money at the same time..it can be done! I have been reading a lot of posts at different financial websites lately about the trouble people are having paying off their credit card debt while trying to save a little extra money for themselves. First of all, anyone doing their best to pay off credit card should be commended,......
• Grab Free Money To Your Paypal Account Everyday With My Unique System - It´s Free We Promise About making money online. There are lots of ways you can get money online. The internet is flodded with get paid to services, also know as GPT Get paid to watch commercials, websites etc. Then there is freebie sites where you complete a certain amount of trial offers to earn......
• Integrating Finances As A Couple A guest post from south of the border, Dual Income No Kids (DINKs) Finance brings some valuable reminders for how to work on integrating couple's finances. While this is particularly useful for those who are starting to live together or getting married, several of these tips are useful throughout the......

While over at Mediatakeout, I saw this pic and the sight of it left me wondering.  With all of the excessive spending and bailouts that’s occurred over the last few months, you would think  pics like this would be a thing of the past for some. Not that I ever laughed at anything like this  ,but situations such as these are really not laughing matters anymore.

• Is Your Health a Laughing Matter? Laughter is a form of internal jogging. It moves your internal organs around; it enhances respiration; it is an igniter of great expectations.” ~ Norman Cousins Are there people in your life who rarely laugh and are chronic complainers? No matter how often you talk to them, they complain regardless......
• Wine Collecting Hobby As long ago as in the 1700s, it was recognized that wine had a powerful hold on people, and that great friendships could spring from good wine. The art of wine and wine collecting has a truly long and interesting history dating as far back as 4000 years BC. There......
• 4 Ways to Injury Proof Your Next Workout If you are just getting into exercising or you are an old pro, injuries can happen at any time. It doesn’t take much to injure our joints or muscles and exercising improperly only contributes to the problem. Before you go out to do your next workout, remember these tips to......

Ever wonder what a Trillion Dollars look like? Here’s a neat break down!
Pic Source

Is it true that some Restaurants are using “fake” chicken and steaks? Some people call it fake, because it is grounded up chicken or beef that has been reconstituted. Darker meats, especially in chicken, have higher Myoglobin which is excreted in muscles that are used more, such as legs and thighs in chicken. Some people always look at darker meat less desirably because of the higher fat content found in it. The meat processors run the meat through a centrifuge which separates the Fat and Myoglobin from the meat. The remaining meat is whiter and then bloated with brine or some water and some fillers such as starches, cereals, or flours amongst other things. What you have is a moldable chicken product or beef product, but they won’t tell you they are doing this. Restaurants use these products in chicken and steak salads. They basically use them in places where the meat is less suspect and/or noticeable. (continue reading…)

• The Great White Sturgeon, Fraser River, British Columbia, V1C4 This post is from SFBoater Trophy Catch Jackpot I. Got a trophy catch? Get paid for your fish stories The Great White Sturgeon By Dave British Columbia The story started when a couple of my buddies asked about a recent Sturgeon fishing trip I took on thr Fraser River.......
• Prosper Release -- All Steak No Sizzle Prosper Andrew announced another Prosper release: Site Update – May 19, 2008 In his own words... One of the less glamorous sides to building web sites (or building anything, come to think of it) is that sometimes you have to stop working on the sizzle and get working on......
• Stimulus Ineffective, So Let's Do More of It WASHINGTON: When it comes to public policy we thought these guys were supposed to be smart, veritable Einsteins as it were. The economy is still broken, apparently. First it was TARP. Then the Fed prints money like it is going out of style. (It IS going out of style.) Then......
• Save Time, Money and Space in Over 80 Ways If you're looking for handy gadgets, tools and various items that can save you time, money or space (or all three!) this list of more than 80 top products is just what you need. Everyone's got saving money on their minds these days. Some of us are always looking to......
• Fannie Mae & Freddie Mac Collapse About 5 weeks ago I suggested that both Fannie Mae and Freddie Mac were going bankrupt and their shares were going to hit single digits in 12 months. Well it looks like the market believed that too and their shares were punished. Instead of having to wait a year, the......

So, I am out and about and I randomly hear conversations while standing in line about some Individuals not understanding where they fit into this equation of the Economic Stimulus Bill that President Obama signed on Tuesday, February 17, 2009. I especially hear the Elderly conversing about them having to tap into their savings to make ends meet. They are paying more money for health care and prescription costs. Yet, they aren’t receiving an increase in their fixed incomes. Some Elderly couples income are too much to receive assistance, but not enough to fully make ends meet; some are even having to apply for Food Stamps for the first time in their lives.

If you are Elderly, Disabled, or considered to be living in Poverty as more than 37 million and counting Americans are you will be happy to know that……. (continue reading…)

• Health Benefits of Garlic On Friday I wrote about the history of garlic. Some of you seemed to find it interesting, but many of you don't read this site for history. You come here to learn about health. What health benefits does have to offer? It turns out there are quite a few. Garlic......
• All About Emergency Funds The news is full of heartbreaking stories about people losing their homes, going bankrupt and facing financial ruin. If you don’t want to be among them, it is time to take a hard look at some steps that you can take to insure yourself against financial ruin. One of the......
• 3 Reasons Why You Need Multiple Streams of Income One of the hottest concepts right now is the premise of creating multiple streams of income. While everyone wouldn’t mind making a little extra cash, there are even more benefits that can be reaped from having more than one source of income. Let’s go over just a few of them.......
• A second economic stimulus package coming? Photo by: Señor Codo As people are beginning to receive and spend their economic stimulus checks, Democrats are already pushing for a second economic stimulus package. The Congressional Progressive Caucus is working to build support for the second stimulus package, arguing that the first package wasn't enough. The Clinton......
• Beyond the Emergency Fund: Preparing for Economic Collapse The following article is the third in a five-part series, Beyond the Emergency Fund. Previous posts discussed ways to store water for emergencies, and how to store food long term. It's hard for most Americans to imagine what a full economic collapse may look like. Unfortunately, many other countries are......

If you are one of the many of Homeowners who are not First Time Home Buyers, but you are seeking to save money in the future……….. (continue reading…)

• Simple Air Conditioning Cleaning Keeping your air conditioner clean is the best way to make sure it runs at its maximum capacity. Air conditioning cleaning will vary depending on the type of air conditioner you use, but all of them are relatively simple as long as you have basic tools and can follow directions......
• Weekly Roundup: Economic Stimulus - Early Payments Edition Beginning Monday, April 28th, American taxpayers will begin to receive their economic stimulus rebate checks, a full week earlier than scheduled. My guess is that there is a growing concern that increased recessionary spending may be the only thing to pull us out of this slump. Hence, the need to......
• 2009 Federal Energy Tax Credits What you may know as the $700 billion dollar bailout is actually called the Emergency Economic Stabilization Act of 2008. Much of this act probably made you feel upset and even alienated. One of the positive things that is coming from this Emergency Economic Stabilization Act of 2008, however, is......
• Federal Tax Credits For Energy Efficiency Upgrades End December 31. If you have been putting off doing some upgrades to improve the energy efficiency of your home, you better act fast. A credit that was created by the Energy Policy Act of 2005 is set to expire on December 31. The tax credit allows for 10% of the cost of......
• Last Chance For Federal Tax Credits For Energy Efficiency Improvements. Act fast! You have 18 more days to make some energy efficiency changes around your house if you want to qualify for some federal tax rebates that expire December 31, 2007. A credit that was created by the Energy Policy Act of 2005 is set to expire on December 31.......

As you know, this site was just created @ the end of December, but I officially started posting in January! I appreciate you guys visiting my site very much. I would like for you to Register at the bottom of my screen. It’s not a Requirement to view Comments or Posts just to clarify. I do encourage you to do so as it is a great way for you to view private messages that I don’t publish for everyone to see on the web along with a variety of other perks! You will be an EXCLUSIVE MEMBER of KJ’s Blogspot!!! OH, your email account will not be spammed!!!

Now, you can also subscribe to my RSS FEED. Just click the link on the side! It will automatically update you with my new posts! If you Register with my Blog before March 24,2009, I will send you a coupon for a free entree @ Ruby Tuesday with the purchase of one for equal or lesser value. Again, thank you for visiting my site!! kj@diverseneeds.com

• How to Get Blog Readers Many people start blogging and just assume their blog will have readers. They don't promote much, just with a few social networking and bookmarking sites, and maybe with a few comments in forums. They just assume that if their content is interesting, people will come to their blog. Those blogs......
• 5 Twitter Tools for Better Blogging Are you already familiar with the micro blogging platform known as Twitter, and what it can do for the online marketing world, especially when it comes to blogging? Twitter is taking off so swiftly that it offers its own language, with tweeps/tweeples being followers of tweeting, or making posts in......
• How to Setup Gmail as Your Email Manager for Multiple Email Accounts Image via Wikipedia If you have a gmail account and countless other multiple email accounts and you want your gmail account to be the primary email manager to all of your email accounts you can certainly do so. One way is by setting up each and every email account to......

Now, I know that a lot of individuals are wondering about the specifics of the First Time Home Buyer’s Refundable Credit for Tax Year 2009. This is the very first time the credit has been deemed refundable.  President Obama signed his first major bill on Tuesday, February 17, 2009. This is just one of the many components of his Economic Stimulus Plan. Interested?…….. (continue reading…)

• Repost of my First Post Picked Up By Main Stream Media - My Journey to Millions Almost 2 Year Anniversary August 5th, 2010 will be 2 years for My Journey to Millions! To put that in perspective: High School was 4 years College was 4 Years Law School was 3 years I have been Married 2 years and 2 months For the next couple days I am going to re-post......
• Eight things you could do with the new home owner's credit! I was originally very critical of the new 'tax credit', because of the wording which lead people to believe it was free money. While I am in the market for a new home in the time period where it's claimable - I'd thought about NOT doing so just, because......
• Weakon 131: Mortgages Previously, I talked about how the mortgage industry works.  Today I want to talk about how mortgages work. We must start by making a few distinctions.  A mortgage is not a loan.  A mortgage is a legal instrument for the transfer in ownership of a piece of land or......
• The IRS No Longer Likes Our Vacation Home The Capital Gains Exemption for Second Homes is Fading Away  Mr. and Mrs. ToughMoneyLove bought themselves a 25th anniversary present six years ago: a lake house about 90 minutes away.  We have enjoyed it immensely on weekends and holidays and for week-long gatherings of our extended family.  As a long......
• Opinion: Realtors the Biggest Benefactor of $15,000 Homebuyer Tax Credit I've posted two articles so far on the proposed $15,000 Homebuyer Tax Credit: The first outlines my initial discoveries... My second outlines my deep digging... A lot of posts around the web have talked about how the credit will get home purchases moving again, which it will. What they don't......

Ladies!! I know this topic is waaaay offff, but I just have to know. How do feel about driving along the dark country roads with no restroom in sight or riding with your significant other for extended periods of time with no restroom in sight. You just finished drinking an entire 64 oz bottle of Water and you have to go bad (Urinate that is)  .  Well, you can’t aim in a bottle like your Man, LOL, but I found was searching the internet the other day, and found this website that has made a product for a woman in desperate need.

You can view additional information about this product as well as a pic of this product after the cut….. (continue reading…)

• Repairing the Tiles in Your Bathroom In this day and age, people seem to spend an ample amount of money and time working on the decoration of their bathrooms and bathroom tiles and fixtures. They spend a lot of time searching the internet so that they can find the appropriate tiles, enhancing the beauty of their......
• This Just In: Dangerous staph germs have been uncovered at beaches on the west coast. Dangerous staph bacteria germs have been located in the sand as well as the water for the very first time in five different public beaches located along the coast in the state of Washington. Scientists are saying that this is probably not the only state that is battling this particular......
• Guide To SEO Consultants And Their Services SEO consultant services are varied and have diverse services that deal mainly with search engine optimization. Search engine optimization is the process of making the website reach higher search rankings in search engine queries by revising it or designing it to be easier to navigate and more user-friendly to both......
• Reader Response: “American Looser…the Proud” Edition Warning, there are dirty words in this post and the first link in this post.  They are quotes from commenters, not The Weakonomist. I must apologize in advance for this post. It’s not typical of me to directly reply to comments in such a way, however it isn’t the......
• Just How Much Mercury Is In The Fish You Eat? So, perusing the web this morning I came across GotMercury.org , a website that has a calculator to see just how much mercury is in the fish you eat. Lovely! You enter in your weight, the seafood type, and the amount of seafood you will eat during a week and......

There are a lot of Fraudsters out there that will market themselves as Magicians when trying they are trying to convince you that they can repair your credit IMMEDIATELY. They will charge you a sum of money, and you will more than likely never hear from them again. There are NO quick fixes to any credit situations. DON’T fall for it. I know that times are hard, but you should really look to reputable individuals for advice. Most of all, BE PATIENT.

I will post a follow up to this article in the near future to advise you on little improvements that you can begin to make right now that doesn’t cost a thing, but in the mean time, continue reading this article for some common tips that will help to ensure that you aren’t schemed out of any of your hard earned money…… (continue reading…)

• How To Earn Money Using An 0845 Number What's an 0845 premium-rate telephone number ? An 0845 telephone-number is a special branch of number, a kind of low-cost premium-rate number that has the ability to make you a respectable sum of money anytime someone else calls you on it. An 0845 premium rate number costs approximately 10 pence......
• How to Safeguard Your Social Security Number This post is from GRS staff writer April Dykman. In articles about how to prevent identity theft, I’ve often read that one should never give out his or her social security number (SSN) unless absolutely necessary. That sounds like good common sense. But I recently found myself asking, in what......
• Using Credit Cards to Make More Money When it comes to credit cards, most of us think of them as a way to get things we really want right now. We may not actually "need" these things, but we sure do want them. Whether it's a new couch, a new stereo or even a new wardrobe, we......
• Basic Info About Internet Business In case you are complete zero at this very moment, then this article is not for you at all. However, you have chances to become successful again and will have some sum of money to spend. For this reason you are recommended to read this article as well. Those who......
• Repair Credit Fast & How I "Discovered" $70,888 Stuck Under My Mattress...Just Waiting For Me! Repair credit fast strategies include unexpected "lottery," showing you how to wake up one morning to $70,888 in your bank account without unnecessary pain & suffering. My wife and I saved $70,888 during my 16-year high school teaching career Some people suffer ugly credit by no fault of their own.......