StopBuyingCrap.com

I checked my American Express Membership Rewards Account today and noticed that I now have 8,970 points piled up. 1 point for every $1 spent. I don’t remember spending $8,970… but thats probably why I had a huge debt before.

I don’t really use my Amex Blue cards anymore because I’ve decided I prefer cash back rewards. So I figure I should spend my 8,970 points before I totally forget about it (they dont expire though). While browsing the rewards list, I remembered that they offer the Wall Street Journal as a rewards option.

A subscription for the WSJ cost 1,200 points. The subscription is for 3 months, or 64 issues. That’s not a bad deal in my opinion because subscription to the WSJ cost a butt load. The price ranges from 52 weeks (1 Year) for $215; 26 weeks (1/2 Year) for $107.50; to $17.98 per month. You get a different amount of free weeks, as you can see below. I believe there are better offers out there than on WSJ.com, at least in terms of the amount of free weeks you get.

So base on subscrption cost at WSJ’s website, this reward option is worth at about $35.96 (2 months price, including 1 month free). If I redeem it again, it’ll be worth about $53.94 ($17.98 x 3 months).

American Express Rewards Point’s points-per-dollar-spent ratio is generally around at this range: for every 1,000 points (or $1,000 spent) you get $10 worth of rewards, or $50 reward for 5,000 points. So for 1,200 points, getting a rewards option that’s worth about $35.96 to $53.94 isn’t too shabby at all.  Hmm, to redeem or not to redeem.
Update: I went ahead and claimed the reward, let’s see how long it’ll take for the subscription to arrive.

I had an off topic post regarding children in South Korea drawing anti-Japan pictures just earlier.

I thought about it and although I think it’s interesting (not the right word to use but yeah) to share, I think I’ll try to keep stuff like this away from the blog.

I’m sure I’ll still post occasional off topic items, but I think I’ll keep the decisively off topic stuff away. I mean, if you want to read about politics, religion, or social issues, you’ll read about it at each of their respective relevant sources, not at a website with a title of Stop Buying Crap.

Edit: I’ve since removed the post but it looks like it still shows up in syndication *shrug*

$1 Chicken Nuggets Tuesday.

Found this link from wujibits, who made a post about food expiration dates.

Like him, I’m always a bit iffy about eating food that’s expired. You can find a list of 77 Surprsing Expiration Date from RealSimple.com. A great reference for keeping food wasting low.
On another note, I finally got WordPress setup. It’s definitely easy… I had to fiddle with the SQL database on the host, but other than that, config, upload, login. That’s it! (Well, and a few other things so I can import Blogger to WP).

Now to choose from the many many themes… and read the many many sites on WordPress so I can learn more about it. Expect this site to be changing lots of face till I settle on a format…

I still read all the blogs I subscribe to daily, I just havent posted anything lately.

Been enjoying summer :)

Here’s something I’m working on — I’m writing a review on a few online credit report/monitoring services from Trilegiant. Those of you that frequent the credit forums will know them as PrivacyGuard.com, myCreditKeeper.com, etc.

Update: Click Here to Read the Review on Privacy Guard and myCreditKeeper.

Blogging definitely takes dedication, and although I don’t want it to become work, a quality blog does seem to take a considerable amount of hard work.

There’s lots of other things I should finish eventually (FICO article, continuing Credit Card article), but I’ve decided to just work on what I feel like at the moment, so at the very least this can be enjoyable for myself.

In a futile attempt to organize myself, I was wondering what I should do with 5+ years worth of credit card, bank account, and other accounts monthly statements.For someone that constantly advocate computer online-based banking, I have quite a large amount of monthly paper statements.

These days the companies are always trying to get us to go paper-less. It does save them quite a bit afterall. I still haven’t gone with paper-less statements though. Although I can download each of my monthly statements and save them on my computer, I honestly don’t trust my computer, even though I maintain it quite well (I also mess with it too much). I was thinking I can download and store them onto CDs, but I don’t know about that too.

The minute they let me retrive all my statements online, (not just the previous 6 months), I’ll go paper-less. Until then, the stacking of evenlopes continue.

They probably won’t ever do that though. I once visited Bank of America’s LA County processing center. If I recall correctly, after 6 months they store, compress, and archive the datas. After 15 years, they dump them. It’s not easy nor cheap to keep them available forever online. (Thats why you’ll need to pay to retrieve some statement from years back). Thinking about this now reminded me of those huge rolls of paper, colums of machines to process them, and the guys they were paying to stuff those envelopes. Definitely not cheap.

Just as a good backup, I think I’ll go ahead and start downloading these statements and storing them onto CDs. I’ll probably do a 6 months to 12 months interval for the CDs. Does anyone have any other ideas?

On a completely different subject… to the right you’ll see a picture of Sunset Beach, which you can find on the North Shore of Oahu island. Click on it to see the full picture. Unfortunately for us, a huge patch of cloud soon came and blocked the sunset… (do’h!)

In either case, what a wonderful paper-less beach.

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Comments from previous blog format.

According to my May 05 post I was suppose to have Part 3 to Credit Card 101 posted up along with an article on FICO Score… I didn’t specify the timeframe, but in my head it was suppose to be within the month of May.

Woops.

I also have plans to switch to WordPress, base on the recommendation of others and reading more about it. Wonder when I’ll get around to doing that…

After coming back from the trip, I’m reminded of the fact that I’m very unorganized.

I think some of the problems with my To-Do List are: the lack of one; not finishing the to-do’s in time ; adding more to the list when you’re not done with the old ones; and spending time talking about To-Do List instead of taking care of what’s on the list.