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	<title>Jeremy Herndon Blog &#187; Money and/or Finances</title>
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	<link>http://jeremyherndon.com</link>
	<description>I am talking about everything in life that matters to me and some stuff that does not</description>
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		<title>Eyecare</title>
		<link>http://jeremyherndon.com/2012/05/10/cheap-eyecare/</link>
		<comments>http://jeremyherndon.com/2012/05/10/cheap-eyecare/#comments</comments>
		<pubDate>Fri, 11 May 2012 00:48:43 +0000</pubDate>
		<dc:creator>jeremy</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Computers and/or Internet]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[Money and/or Finances]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[exams]]></category>
		<category><![CDATA[finance]]></category>
		<category><![CDATA[glasses]]></category>
		<category><![CDATA[health]]></category>
		<category><![CDATA[medical]]></category>

		<guid isPermaLink="false">http://jeremyherndon.com/?p=255</guid>
		<description><![CDATA[There was an article that I read in the New York Times recently about how to save money on eye care.  I guess there are going to be a lot of articles in the papers (and television news) about how people can save money now that the economy is so bad and not getting any [...]]]></description>
			<content:encoded><![CDATA[<p>There was an article that I read in the New York Times recently about how to save money on eye care.  I guess there are going to be a lot of articles in the papers (and television news) about how people can save money now that the economy is so bad and not getting any better any time soon! The article was educating the general public about how people really don&#8217;t need to have their eyes checked as often as they have been taught to think, and the article was talking about shopping around for deals on eyeglasses.  One of the mistakes many people make is to buy their eyeglasses straight from the little store attached to their eye doctor&#8217;s office. Those glasses are always really expensive!  And many insurance plans cover the cost of the exam, but not of the glasses!  I know that&#8217;s how MY insurance works!</p>
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		<title>We&#8217;ve Got Ourselves A Relocation Situation</title>
		<link>http://jeremyherndon.com/2012/04/24/weve-got-ourselves-a-relocation-situation/</link>
		<comments>http://jeremyherndon.com/2012/04/24/weve-got-ourselves-a-relocation-situation/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 02:01:21 +0000</pubDate>
		<dc:creator>jeremy</dc:creator>
				<category><![CDATA[Friends and/or Family]]></category>
		<category><![CDATA[Home and Garden]]></category>
		<category><![CDATA[Money and/or Finances]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[family]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[relocating]]></category>

		<guid isPermaLink="false">http://jeremyherndon.com/?p=1594</guid>
		<description><![CDATA[As much as I hate the idea of my kid brother taking his new bride, along with their new baby boy, up north to beautiful Calgary Canada there isn&#8217;t much I can do about the situation at hand. His new father-in-law has promised him a good job up there and with our economy still in [...]]]></description>
			<content:encoded><![CDATA[<p>As much as I hate the idea of my kid brother taking his new bride, along with their new baby boy, up north to beautiful Calgary Canada there isn&#8217;t much I can do about the situation at hand. His new father-in-law has promised him a good job up there and with our economy still in such turmoil, with no end in sight, a good job can make or break a marriage these days.</p>
<p>So they are busy with looking at the current <a href="http://www.cliffstevenson.com/">Calgary listings</a> and searching for a good reputable <a href="http://www.cliffstevenson.com/">Calgary Realtor</a> so that they will have a place lined up for them upon their arrival, which they are expecting to happen by the end of June. That doesn&#8217;t leave them with much time to get all the things that need to be taken care all done. Relocating is one big pain in the rear and with a new baby makes it all the more of a challenge.</p>
<p>It really bothers me that they will be so far away and that non of us will be around to be involved in their new sons life as much as we would like. It will be strange, indeed.</p>
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		<title>Those Phishing Phone Calls</title>
		<link>http://jeremyherndon.com/2012/04/23/those-phishing-phone-calls/</link>
		<comments>http://jeremyherndon.com/2012/04/23/those-phishing-phone-calls/#comments</comments>
		<pubDate>Tue, 24 Apr 2012 01:02:56 +0000</pubDate>
		<dc:creator>jeremy</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[General living]]></category>
		<category><![CDATA[Money and/or Finances]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[finance]]></category>

		<guid isPermaLink="false">http://jeremyherndon.com/?p=190</guid>
		<description><![CDATA[Today I got what I call a &#8220;phishing phone call&#8221; from someone that I think was trying to scam me out of giving out credit card information to them. They claimed to be from SunTrust, but the caller ID simply said that it was &#8220;Out of area.&#8221; They were calling with the pretense of lowering [...]]]></description>
			<content:encoded><![CDATA[<p>Today I got what I call a &#8220;phishing phone call&#8221; from someone that I think was trying to scam me out of giving out credit card information to them. They claimed to be from SunTrust, but the caller ID simply said that it was &#8220;Out of area.&#8221; They were calling with the pretense of lowering my credit card interest rates, but in order to take advantage of the offer they wanted my credit card numbers and I wasn&#8217;t willing to share that with them and promptly hung up. What a waste of my time.</p>
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		<title>Solar panels</title>
		<link>http://jeremyherndon.com/2012/04/21/solar-panels/</link>
		<comments>http://jeremyherndon.com/2012/04/21/solar-panels/#comments</comments>
		<pubDate>Sun, 22 Apr 2012 01:36:09 +0000</pubDate>
		<dc:creator>jeremy</dc:creator>
				<category><![CDATA[General living]]></category>
		<category><![CDATA[Home and Garden]]></category>
		<category><![CDATA[Money and/or Finances]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Technology and Gadgets]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[solar]]></category>

		<guid isPermaLink="false">http://jeremyherndon.com/?p=1586</guid>
		<description><![CDATA[When solar panels first hit the market, they were hailed as a great way to reduce the energy costs for heating and cooling a building, and for generating electricity as well. I&#8217;ve always been very interested in learning more about ways that I can make a difference in conservation projects, environmentally friendly projects, and lowering [...]]]></description>
			<content:encoded><![CDATA[<p>When <a href="http://www.solarismadeeasy.com" title="solar panels" target="_blank">solar panels</a> first hit the market, they were hailed as a great way to reduce the energy costs for heating and cooling a building, and for generating electricity as well. I&#8217;ve always been very interested in learning more about ways that I can make a difference in conservation projects, environmentally friendly projects, and lowering expenses. </p>
<p>So I was very excited about how solar energy was going to actually be a reality in my lifetime, and not just some fantastic imagineering project from the imagineers at the DisneyWorld complex! And I&#8217;ve been glad to hear that tax credits have been made available to help the homeowners recover some of the expenses of installing solar powered devices and equipment. However I have been discouraged over the harsh financial reality that in this economy, retrofitting existing buildings with solar panels is probably not going to be high on the priority list of most households. I&#8217;d like to see the economy improve as more and more people and companies get behind solar energy. </p>
<p>I&#8217;ve been told that in the next few years I am going to need to replace my roof. I&#8217;m wondering if that would be a good time to look into installing some type of solar energy system. What do you think?</p>
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		<title>Rough Going</title>
		<link>http://jeremyherndon.com/2012/04/15/rough-going/</link>
		<comments>http://jeremyherndon.com/2012/04/15/rough-going/#comments</comments>
		<pubDate>Sun, 15 Apr 2012 23:01:15 +0000</pubDate>
		<dc:creator>jeremy</dc:creator>
				<category><![CDATA[Automotive]]></category>
		<category><![CDATA[Money and/or Finances]]></category>
		<category><![CDATA[Travel]]></category>
		<category><![CDATA[car]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[travel]]></category>

		<guid isPermaLink="false">http://jeremyherndon.com/?p=417</guid>
		<description><![CDATA[I am going to have to put the car in the shop this week, it is running rough, and I don&#8217;t want to be out and about going to or from an errand and have it quit on me. Especially when there are so many &#8220;dead spots&#8221; in the cell phone service out here. It [...]]]></description>
			<content:encoded><![CDATA[<p>I am going to have to put the car in the shop this week, it is running rough, and I don&#8217;t want to be out and about going to or from an errand and have it quit on me. Especially when there are so many &#8220;dead spots&#8221; in the cell phone service out here. It acts like it is running out of gas, but it has plenty of gas. So I put a can of dry gas in it, thinking that maybe it was just some water in the tank, and it ran fine the next day, but started acting up again the day after. So maybe it&#8217;s the fuel filter, or the fuel pump. I don&#8217;t know, but it needs to be fixed!</p>
<p>Another aggravation, and another thing sucking the money out of my wallet and my dwindling bank account.</p>
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		<title>You Gotta Do What You Gotta Do</title>
		<link>http://jeremyherndon.com/2012/04/02/you-gotta-do-what-you-gotta-do/</link>
		<comments>http://jeremyherndon.com/2012/04/02/you-gotta-do-what-you-gotta-do/#comments</comments>
		<pubDate>Tue, 03 Apr 2012 02:33:57 +0000</pubDate>
		<dc:creator>jeremy</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Friends and/or Family]]></category>
		<category><![CDATA[Money and/or Finances]]></category>
		<category><![CDATA[Politics]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[debt]]></category>
		<category><![CDATA[legal]]></category>
		<category><![CDATA[market]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://jeremyherndon.com/?p=1567</guid>
		<description><![CDATA[It&#8217;s good to know that there are ways out there to stop collection harassment for good because with today&#8217;s economic turmoil just isn&#8217;t getting any better and more and more people are getting deeper and deeper in debt and debt collections has turned into a major big business because of that fact. My sister has [...]]]></description>
			<content:encoded><![CDATA[<p>It&#8217;s good to know that there are ways out there to <a href="http://www.myconsumerlawcenter.com/">stop collection harassment for good</a> because with today&#8217;s economic turmoil just isn&#8217;t getting any better and more and more people are getting deeper and deeper in debt and debt collections has turned into a major big business because of that fact.</p>
<p>My sister has had to get legal assistance in her effort to <a href="http://www.myconsumerlawcenter.com/">stop collection harassment California  </a>style since her husband got laid off just last fall and it doesn&#8217;t look promising in that he will be landing anything decent any time soon. Even the fast food restaurants have started to cut back on hiring a lot of folks that normally turn to a stent at fast food in between other higher paying positions in various fields.</p>
<p>My sister has even considered a short career in exotic dancing in an effort to keep the mortgage paid and not lose the house. She used to dance in between high school and when she went to college. She did pretty good but I don&#8217;t think her husband would be thrilled with her taking to the stage now that they are married with children. But some times you gotta do what you gotta do, right?</p>
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		<title>Too Good To Be True</title>
		<link>http://jeremyherndon.com/2012/04/02/are-they-legit-or-are-they-scams/</link>
		<comments>http://jeremyherndon.com/2012/04/02/are-they-legit-or-are-they-scams/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 23:52:43 +0000</pubDate>
		<dc:creator>jeremy</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Computers and/or Internet]]></category>
		<category><![CDATA[General living]]></category>
		<category><![CDATA[Money and/or Finances]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[internet]]></category>
		<category><![CDATA[money]]></category>

		<guid isPermaLink="false">http://jeremyherndon.com/?p=188</guid>
		<description><![CDATA[Easy money is always a temptation.  It&#8217;s going to be even more of a temptation in this economy.  As long as I can remember, there have been scams to make people believe that it is easy to Make Money at Home by signing up to a specific program, and sending in some kind of fee [...]]]></description>
			<content:encoded><![CDATA[<p>Easy money is always a temptation.  It&#8217;s going to be even more of a temptation in this economy.  As long as I can remember, there have been scams to make people believe that it is easy to Make Money at Home by signing up to a specific program, and sending in some kind of fee or payment to get started.</p>
<p>Those type of programs make  me really nervous.  I&#8217;d like to Make Money Online.  Who wouldn&#8217;t?  I&#8217;d love to just stay in my pajamas most of the day, work at my own pace at my own convenience and Make Money from home,  And I know that those types of opportunities DO exist.  But I&#8217;ve also seen a lot of television news articles about how a lot of those advertised opportunities are scams, so I am really cautious about signing up with any kind of program that sounds &#8220;too good to be true.&#8221;  I&#8217;d really like to hear from someone that I know personally and trust that they have done it themselves and then they prove to me that it works for them.</p>
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		<title>Little Things</title>
		<link>http://jeremyherndon.com/2012/04/01/little-things/</link>
		<comments>http://jeremyherndon.com/2012/04/01/little-things/#comments</comments>
		<pubDate>Sun, 01 Apr 2012 18:40:52 +0000</pubDate>
		<dc:creator>jeremy</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Computers and/or Internet]]></category>
		<category><![CDATA[Friends and/or Family]]></category>
		<category><![CDATA[Money and/or Finances]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Technology and Gadgets]]></category>
		<category><![CDATA[business]]></category>
		<category><![CDATA[friend]]></category>
		<category><![CDATA[internet]]></category>

		<guid isPermaLink="false">http://jeremyherndon.com/?p=1561</guid>
		<description><![CDATA[Thanks for the post from Sylvester Campbell I have never been more excited in my life than I was the day I quit my job in “Corporate America” to start my own business. I’d had a dream of opening a boutique for years, and I finally just decided one day to go for it. I [...]]]></description>
			<content:encoded><![CDATA[<p>Thanks for the post from Sylvester Campbell</p>
<p>I have never been more excited in my life than I was the day I quit my job in “Corporate America” to start my own business. I’d had a dream of opening a boutique for years, and I finally just decided one day to go for it. I had enough money saved up to get things off the ground, and I was definitely not scared of working hard. With the excitement also came sheer terror, unfortunately. I had a great idea and good style, so I knew I’d be successful once I got things rolling. The problem was figuring out my first few steps. I am not so great with logistical details, so I recruited a good friend to help me out with the detail work. She was awesome. She helped me secure my storefront, and she quickly got me set up with the essentials like phone and internet. She actually just did a little research on <a href="http://smallbusiness.xo.com/t1/">Brooklyn T1</a> and got a great provider for me. They handle my phone and internet, so it’s one less thing for me to worry about. Now that we have all the little things out of the way, I can’t wait to start running my successful boutique!</p>
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		<title>Easter is right around the corner</title>
		<link>http://jeremyherndon.com/2012/03/23/easter-is-right-around-the-corner/</link>
		<comments>http://jeremyherndon.com/2012/03/23/easter-is-right-around-the-corner/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 18:37:38 +0000</pubDate>
		<dc:creator>jeremy</dc:creator>
				<category><![CDATA[Food]]></category>
		<category><![CDATA[Friends and/or Family]]></category>
		<category><![CDATA[General living]]></category>
		<category><![CDATA[Money and/or Finances]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[coupons]]></category>
		<category><![CDATA[Easter]]></category>
		<category><![CDATA[winter]]></category>

		<guid isPermaLink="false">http://jeremyherndon.com/?p=1558</guid>
		<description><![CDATA[For some reason the winter has gone by faster than ever, and it looks as if Easter is right around the corner. Yesterday my wife and I were grocery shopping, trying to use up all of the coupons that we had that were going to expire as of the end of the month and every [...]]]></description>
			<content:encoded><![CDATA[<p>For some reason the winter has gone by faster than ever, and it looks as if Easter is right around the corner. Yesterday my wife and I were grocery shopping, trying to use up all of the coupons that we had that were going to expire as of the end of the month and every where I looked I saw some kind of reference to Easter. There was a demonstrator there handing out samples of a particular brand of spiral ham. We did end up buying one of the hams, but it was only about two pounds worth. My wife said that she thought we would go ahead and have it for Easter, but when we got home and were unpacking all of our groceries it looked as if we did not buy very much meat so we might actually end up eating it sooner than planned.</p>
<p>As we were shopping I kept finding things that I thought we should buy and she kept saying &#8220;not today, not today, hurry up.&#8221; We were actually at the grocery store for two hours shopping, and spent around $400.00. All of the coupons we used saved us over $40, but I was still in shock that we spent as much money as we did. Of course we DID have two shopping carts full of food, so I suppose that I should not have been THAT shocked! But it did give me a greater understanding of just how much money we spend on groceries!</p>
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		<title>Poolside landscaping</title>
		<link>http://jeremyherndon.com/2012/03/17/poolside-landscaping/</link>
		<comments>http://jeremyherndon.com/2012/03/17/poolside-landscaping/#comments</comments>
		<pubDate>Sun, 18 Mar 2012 04:07:36 +0000</pubDate>
		<dc:creator>jeremy</dc:creator>
				<category><![CDATA[Friends and/or Family]]></category>
		<category><![CDATA[General living]]></category>
		<category><![CDATA[Home and Garden]]></category>
		<category><![CDATA[Money and/or Finances]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[landscaping]]></category>
		<category><![CDATA[pool]]></category>

		<guid isPermaLink="false">http://jeremyherndon.com/?p=1551</guid>
		<description><![CDATA[My aunt has been talking about wanting to hire me for installing artificial grass around her planned in-ground swimming pool. She explained that she was told that she has to let the swimming pool settle for several months before she can pour concrete around it and she does not want to have people running around [...]]]></description>
			<content:encoded><![CDATA[<p>My aunt has been talking about wanting to hire me for <a href="http://www.systempavers.com/spturf/installing-synthetic-grass.aspx">installing artificial grass</a> around her planned in-ground swimming pool. She explained that she was told that she has to let the swimming pool settle for several months before she can pour concrete around it and she does not want to have people running around on the bare dirt while the pool is settling. So her daughter suggested that artificial grass might be a good temporary thing to put down around the pool. </p>
<p>I was really surprised when she called me to talk to me about that because the last time I had heard any mention of her putting in an in-ground swimming pool no one else in the family wanted her to put one in. She said that she is putting it in for her own health, but she is putting in a very large 20&#8242; by 40&#8242; in-ground pool! Seems to me that if she was doing it for her health then just putting in a lap pool would be all she would need. But she has got a stubborn side to her and she has insisted that she wants the whole thing and since she is paying for it out of her own pocket then nobody but her has any say in it at all!</p>
<p>She has also mentioned that she wants me to take care of the <a href="http://www.systempavers.com/splighting/splinstall.aspx">landscape lighting installation</a> around the swimming pool. I think that for lighting I will suggest some solar powered lamps, on both sides of the privacy fence that she will need to have installed. She sure is going to be spending a lot of money! I hope that she gets her money&#8217;s worth of excitement out of it! I just cannot imagine putting in a full-sized swimming pool after the kids have grown up and left home.</p>
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