csaccac eNewsletter December 2010

Post date: Jan 13, 2011 9:03:55 PM

December 2010 MVP: Tracking Spending Habits & Improving Your Credit Score

Specifically geared towards disenfranchised and disable consumers between the ages of 17 to 45 this section MVP: Tracking Spending Habits was written to educate ,to assist, and to inform consumers and shoppers on the alternative ways to Getting Out Of Debt. During the series Tracking Spending Habits, I have discussed the following topics, What is a budget? How to make a budget the importance of Getting It On Paper having a Backup Copy Online or Disk Choosing A DMP and Getting Out of Debt With Prepaid Visa and Master cards. Each month ,I invited consumers and shoppers to follow me as I track my spending habits ,work to get out of debt, and share my shopping experiences.While writing this section MVP:Tracking Spending Habits,I developed a budget,kept all of my receipts from each month,utilized the services of prepaid debit cards and chose a DMP. From January to November,I tracked my spending habits with receipts and debit statements. For the most part,I found that tracking my spending habits was not a difficult task. Not surprisingly,tracking my spending habits was the easy part,surprisingly, getting out debt remains and continues to be the most difficult task and obstacle that has hindered my financial maturity.Understandably,the economic recession of 2008 affected many Americans,I personally can attest to this fact because I was already suffering from financial loss.Incontrovertibly, I was directly impacted by the econmic recession of 2008. As the holidays began to approach with two of the biggest shopping events of the year expected to proliferate retail sales, Black Friday and Cyber Monday, I continued to monitor my spending habits.Veritably,from January to November, I accomplished several task living on less than 1/3 of my income,I filed personal taxes,paid off the IRS, made payment arrangements with the US Department Of Education, got accepted into a local graduate school and continued to research and work on getting out of debt and improving my credit score.Dolefully,during the year,I acquired more debt and had not begun my debt management program that projected upon initating the program it would only take me 1 year to get out debt if I followed the plan suggested by the program.To conclude, as the year slowy approaches an end ,I accomplished many task however; I did not accomplish Getting Out of Debt.

Product of the Month December 2010

Home for the holidays don't be left out in the cold get a Holiday Connextion(Wi Fi,3G, &Android):For many millions of Americans having access to WiFi" also known as the internet is essential part of them being able to function and work efficiently. In certain instances, having access to WiFi is a requirement for some jobs or at least being able to have access to the internet 24hours a day,so for consumers and shoppers who don't want to be left out in the cold this holiday season getting a Wi Fi connextion should be at the top of the list. Remarkably,this holiday season I got a Wi Fi connextion with my Virgin Mobile Broadband 2Go device. Admittedly, I had bought a Broadband 2Go device from Radio Shack to use with my Acer Aspire One Notebook; however, the device was defected and it was returned. Instead of immediately purchasing another Virgin Mobile BroadBand 2Go device I opted to wait until the holiday season .As result and favorbably,I was able to purchase another Virgin Mobile Broadband 2Go device at a discounted price. Veritably, a WiFi connextion kept me out of the snow and cold while a winter storm (Noreaster) pound the upper east coast.Besides keeping me out of the snow and cold ,it also kept me out holiday queues.Indeed having a WiFi connextion allows consumers and shoppers to have instant access to emails and social networking sites such as Twitter,Facebook,MySpace, and Youtube. Without a question, with the increase in technology and new tech gadgets being offered to the public daily, a lot of technical terms get thrown around that consumers and shoppers in some instances have a limiting understanding of terms or words such as WiFi. So...in a nutshell,What's the difference between WiFi, 3G ,and Androids? First of all,as I mentioned previously, Wi Fi has been described as the actual connection to the world wide web also known as the internet. The technical definition of WiFi as defined by Webopedia and stated by "the WiFi Alliance, the organization that owns the WiFi (registered trademark) defines WiFi as any "wireless local area network(WLAN)... " Whereas, 3G "refers to the third generation of. wireless technology..." as stated http://searchtelecom.techtarget.com/definition/3G

Primarily,3G has been mostly used with smart phones as a current fashion of connecting to the internet. 3G has become popular with American consumers and shoppers because of the following reasons:

· higher data speed

· Enhanced audio and video streaming;

· Video-conferencing support;

· Web and WAP browsing at higher speed;

· IPTV(TV through the internet )support

Information was gathered at About.com voip.about.com/od/mobilevoip/p/3G.htm

Android on the other hand , a fairly new program with thousands of application a top competitor of 3G and 4G "Android does not differentiate between the phones core applications and third party applications.They can all be built to have equal access to a phone's capabilities providing users with a broad spectrum of application and services.With devices built on the Android Platform,users are able to fully tailor their phones to their interest..." Information was complied at www.android.com