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…)

• Free Money? You Bet! Who said there is no such thing as free money? Millions of Americans contribute to their company's 401k annually, however, there are also MILLIONS of eligible Americans who do not.  It is very common that most companies will match each employees contribution.  The catch? You have to actively contribute to......
• Use The First Time Home Buyer Tax Credit Now! Were you considering buying a home this year and claiming the first time home buyer's tax credit? If you were, a recent change to the credit may allow you to use it now rather than waiting until next year's tax return. The American Recovery and Reinvestment Act of 2009 allowed......
• Free Money Page Premieres A week or two ago, I finally premiered my free money page. The goal of the page is to collect all of the ways I earn free money and make it available to all of my readers. Plus, there's a side bonus of making a little money on referrals.......
• 6 ways you are passing up free money I like free money. It's my favorite kind. I'm talking about the $20 bill lying on the ground. The birthday check from Great Aunt Millie for $5. The extra 30 minutes someone overpaid on the parking meter that you get to use when you park there. It's all good.......
• 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......

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.

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…)

• Driving factors for recession proof Smartphones' sales Today, Smartphones have become the daily necessity for corporate users and next generation. They are not only revolutionizing the mobile phone industry, but also changing the way we use computers. It is reported that Smartphone sales are expected to rise 22% in 2009. However, due to global recession, the demand......
• Beating Recession Depression Has news about the current economy’s recession got you down? Almost every news show makes some mention of the economy. Even the commercials that interrupt your favorite shows refer to bankruptcies, job searches, and other economic ails. If all of this recession talk has caused you to dread dealing with......
• 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......
• 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.......
• Recession Proof Your Health photo credit: Ventolin As 2008 comes to a close, America finds itself in a bad situation. We are in a recession and some fear we may soon enter into a depression. And I am not speaking of the kind of depression that requires Prozac. I am speaking of 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…)

• Obama 2009 Economic Stimulus Plan - It's Gonna Be Big! The economic stimulus plan that President-Elect Obama is working is estimated to be between $675 and $775 Billion.  The stimulus plan will be geared towards job growth and infrastructure.  Some have argued that work should be done to increase short-term spending but Obama's economic stimulus plan looks to have......
• Recovery Rebate Credit - Second Shot at Economic Stimulus Payment Did you receive an economic stimulus payment in 2008? Did you get the full amount?  If you answered no to either of those questions then you may still have a shot at getting an economic stimulus payment in 2009 as a result of the Recovery Rebate Credit. If you didn't......
• 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......
• Obama Economic Stimulus Plan Package Sure To Pass U.S. President Barack Obama, according to this Washington report, said "he's confident that a multibillion-dollar plan to kick-start the ailing economy will survive a crucial House vote." It's unclear how much Republican support he'll get for the 2009 economic stimulus package, but Obama said “I'm confident we're going to get......
• 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.......

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…)

• Home Energy Saving Tips Whether you are interested in doing your part for the environment or simply saving a few dollars on your utility bills, home energy savings tips can certainly help you. You’d like to spend less each month, right? I would, too, so I’ve devoted a little time this week to finding......
• 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......
• 2010 Homebuyers Tax Credit This is a Sponsored Post written by me on behalf of Coldwell Banker. All opinions are 100% mine. Are you thinking about buying a home in 2010?  Did you know that the Federal Income Tax Credit for Homebuyers has been extended? Coldwell Banker has prepared a list of some things......
• First Time Home Buyers Tax Credit - Who It's For And What Is Needed To Claim It On November 6, 2009 The Worker, Homeownership and Business Assistance Act was signed into law.  This move has resulted in the extension or expansion of the first time home buyer credit which was enacted previously.  In order to receive the first time home buyers tax credit you must first understand......
• Portable AC & Portable Air Conditioners...It Pays to be Cool! Have you ever considered the amount of money and energy that is wasted when using central air conditioning? If you were to calculate the loss due to the fact that you are cooling rooms that may be empty, it would be staggering. Portable AC is a great way to stay......

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 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......
• 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 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......

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…)

• First Aid in Home Repairs pt 2 Here is a continuation on the basic first aid and safety for home repairs. Puncture Wounds: Puncture wounds and dirty wounds need to be addressed by a professional immediately. If a puncture wound was created, a tetanus injection may be necessary. Poisoning: You need to call a poison center or......
• Small Expenditures That Can Bust Your Budget It is amazing to me how people who are strapped for cash or just plain broke continue to purchase products and services that can cumulatively play a significant role in busting their budget.  Somehow, people have mentally morphed  these items from the "things I want" category to the "necessary" category.  Here are some......
• New Rules for Capital Gains Taxation of Second Homes The IRS has targeted vacation homes, second homes, and even rental homes with new rules that govern taxation of capital gains. These new rules go into effect January 1, 2009.  Because ownership (or desire of ownership) of vacation homes is most common among baby boomers, it is an important issue......
• 9 Year End Tax Savings Tips It's December and the year will be ending before you know it. Don't fret, there's still time to take advantage of some tax saving tips to make your tax burden next April a little less. Here are 9 year end tax savings tips: Max Your 401(k) - If you......
• 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…)

• How to Sell More Self Published Books - Six Tips for Success Know Your Target Market...To sell more self published books you need to find your sub-sub-subcategory readers...What is the sub-sub-subcategory of your book?...
• 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......
• 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......
• 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......
• Understanding Menstrual Period Symptoms In addition to understanding the phases of your menstrual cycle, and understanding the hormones that are involved in all of the myriad of changes that your body goes through on a monthly basis, it is also important for you to understand what symptoms are actually menstrual period symptoms so that......

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…)

• Do You Love Your Job? A Credit Card Evaluation Do you love your job? I mean really love it. I know there are people out there that do truly love their jobs but most people would be real happy if you told them they could quit today without losing their pay. Next question - Do you have debt......
• Consumer Credit Counseling Many times people looking to get out of debt turn to the idea of credit counseling or debt reduction companies. It's very important that IF you do this, that you use a reputable company. Unfortunately, there are many, many companies that are out there that are NOT reputable. Generally, it's......
• Three Ways to Protect Yourself from Identity Theft Have you ever been the victim of identity theft? Aside from being a scary experience (imagine for a moment that someone is out there racking up debts in your name), clearing up the after-effects of identity theft is decidedly annoying. Identity theft victims spend a great deal of time and......
• Simple Ways to Prevent Identity Theft The burden of finding a way to prevent identity theft falls on each of us. It seems unfair that good, honest people have to go to great lengths to protect themselves, but the reality is that identity theft is quickly becoming one of the most popular types of fraud perpetrated.......
• Media Does not Understand the Federal Reserve System This morning a friend of mine shared an article titled: AIG borrows 57 percent of government loan. The very first thought that came to my mind was, "I don't remember hearing anything about AIG ever receiving any government loans." The article states: The U.S. government had originally said it would......