theDisclaimer v1.0

MyGallons.com - Tomorrow’s Gas. Today’s Prices

andyyeun — Wed, 02 Jul 2008 23:02:18 +0000

I came across this site where you can pre-purchase gas at today’s price and use later. We all know if we purchased bulk gas 3 year ago at around $2.30/gallon we would be reaping the benefits today with gas inching its way to $5/gallon. I’m not absolutely sold on this idea yet, but I do commend the entrepreneur that came up with this idea. It’s ingenious.

Become A Member Of MyGallons

Sign up and become a member of MyGallons. Similar to joining any other price club such as Sam’s, COSTCO, etc., there is an annual membership fee of $29.95* backed by our 100% money-back guarantee*:

If you do not save money on at least one redemption throughout the subscription year, we will refund 100% of your first year’s membership fee. Upon signing up, your MyGallons Card will be sent to you. You will also receive additional cards that you can give to family members or friends to activate.

Purchase Gas At Your Current MyGallons Prices

Pre-purchase fuel at your current MyGallons price – Once you have logged in, you will be able to access your MyGallons account. You will see how many gallons of fuel you have available, transaction history, current price for purchasing more fuel, etc. You will also have the option of pre-purchasing fuel to add to your account at your current MyGallons price. The price of fuel frequently changes. The quote you see on your screen is good for making a pre-purchase at that point in time. When you pre-purchase fuel, you are locking-in the price on the gallons you are purchasing at that moment. Your “MyGallons price” refers to regular unleaded fuel and includes estimated taxes based on your location. You will add gallons to your account at any time except as described in 3 below.

Pump Gas

When you are ready to fill up your vehicle, simply visit any of the over 200,000 participating filling stations. (See Location Finder). Using your MyGallons Card is as easy as using a debit card and it is accepted at virtually all stations that accept credit cards. The number of gallons pumped is deducted from your MyGallons account balance. Please note that an adjustment, in gallons, will be made to your account balance if you choose a more expensive grade/type of fuel such as premium or diesel. In some circumstances, adjustments will be made to your account balance to reflect price differences caused by location, typically resulting from tax discrepancies between your home and redemption areas. For example, you will receive a credit in gallons if you fill up at a price significantly lower than the average price in your home area on the same day [or a debit in gallons if you fill up at a price significantly higher than the average price in your home area on the same day]; Be sure to log into your MyGallons account regularly to check your balance and be certain that you have enough fuel available to fill your vehicle. Please note that some filling stations can take up to 72 hours to report transactions. Therefore, the balance shown in your MyGallons account will not include more recent transactions.

*Cost of annual membership is $29.95 when enrolling in the auto-refill program. Cost of annual membership is $39.95 for the manual refill program.

Personal Finance 101 Series - Part II | Eliminating Credit Card Debt

andyyeun — Thu, 19 Jun 2008 18:18:42 +0000

This part of the series deals with credit card debt. If you were like me 5 years ago you had several credit cards of varying balances yielding ridiculous interest rates (ranging from 15% to 24%). Looking at those interest rates you are better off sometimes borrowing from the mob and risking the chance of losing a couple fingers or limbs for failing to repay. However, what’s done is done. Stop using your credit cards (but don’t cancel them, you can cut them up but don’t make the mistake of canceling the credit card, I will explain this when we get to the Credit Score part of this series)! Setup a payment plan and pay more than the minimum payment. If you have the ability to pay double, triple or quadruple the minimum payment do so. The interest you will pay over the course of paying the minimum payment is almost enough to give you a heart attack.

Personal Finance 101 Series - Part I | Budgeting

andyyeun — Thu, 19 Jun 2008 16:54:27 +0000

I have very few things in life that I am passionate about. One of those things is personal finance and personal financial planning. I think we all have the ability to control this aspect of our lives but many of us fail to do so. Now let me first note that I have made plenty of financial mistakes in my lifetime. Some of those mistakes include, but are not limited to: * Purchasing three BMW's in the span of 5 Years * Purchasing a overpriced condo-conversion at the peak of the real-estate market * Racking up $7,000 in credit card debt by the time I turned 22. * Losing a couple thousand dollars in Vegas several times a year So what happened?

Personal Finance 101 Series

andyyeun — Thu, 19 Jun 2008 16:50:47 +0000

I decided to write a series on Personal Finance that is based on my experiences over the course of the last 5 years. This series will allow you to see how I did it, the techniques and methodologies I employed to eliminate debt, save money, plan for retirement and raised my credit scores. This whole series is based on the the perspective of starting young, as I am only 26 years old, and archiving financial independence early so that you can enjoy your later years. No one I know, likes living paycheck to paycheck, but many of us to. I can confidently say that if I was laid off or fired tomorrow I would have enough reserves to sustain myself for 12 months. This was a goal I set for myself years ago and I feel that everyone should be able to make that statement if they follow my plan. Disclaimer: This series will provide you with techniques for gaining financial independence. However, results may vary and the entire process will not occur over night. Personal financial planning is long term in nature tinged with short term goals and objectives. I will structure this series in 8 parts.

How to recover a Password for Cisco Catalyst Fixed Configuration Layer 2/3 Switches

andyyeun — Thu, 19 Jun 2008 15:34:54 +0000

Have you ever inherited network equipment either from procuring a used switch on ebay or ran into a situation where poor documentation lead to no records of documenting password(s) for your network devices? I ran into this situation when replacing my organizations Layer 2 switches. I needed these passwords in order to lookup current configuration settings so I could plan and design our new network appliances but they were no where to be found. So what do you do? Here is a tutorial that will show you how to recover passwords from Cisco Cataylst Fixed Configutation Layer 2 and Layer 3 switches. Disclaimer: Use at your own risk. These instructions are here for reference and before you take these measures you should backup current configuration files and/or consult with Cisco support.

How to backup or copy a DVD

andyyeun — Thu, 19 Jun 2008 06:17:06 +0000

Disclaimer: This technique should be used only to create backup copies of movies you have legally purchased and/or own. You should not backup or copy media or copyrighted material without authorized permission or consent from the publisher. Most DVDs are protected or encrypted to make it impossible for users to copy or backup DVD media. In order to backup a DVD you must decrypt the DVD before copying it to blank DVD media. Unlike copying most CD media, where a one-to-one copy is typically used, one-to-one copies of protected/encrypted DVDs are nearly impossible. Blank DVD media. Depending on your home DVD player you may need to verify supported DVD formats (i.e. DVD+R or DVD-R). The best rule of thumb is to purchase at least 2 different brands and find which one works best. Once you find the media works consistently, dont' deviate on brand and type.

My first experience as a Professor…

admin — Thu, 15 May 2008 16:29:12 +0000

Yesterday I administered the Final Exam for my Advanced Visual Basic.NET programming course. This concluded my first class as an Adjunct Professor for Chaffey Community College (Rancho Cucamonga). My overall thoughts are that teaching is definitely my ultimate career goal. I enjoy the environment, the work, and the overall satisfaction that my students will take the material they learned in my course with them for their entire careers. When I look back at my first couple of classes, I was a bit nervous and hesitant. I didn't know if I would be able to articulate the difficult concepts involved with programming.

http://www.iwillteachyoutoberich.com

admin — Tue, 13 May 2008 23:46:44 +0000

I’m really big on personal finance. Anyone who knows me knows that I am frugal (not cheap) and am a big advocate about saving and budgeting. I frequent a few blogs and this blog moderated by Ramit Sethi is one of my favorites. Not only are his articles insightful, the humor he intermixes with his articles are pretty damn entertaining as well.

http://www.iwillteachyoutoberich.com/blog/

Mint.com

admin — Tue, 13 May 2008 20:33:46 +0000

I stumbled on this website while I was reading a personal finance article on CNN.com. I’ve been using this site for quite some time now and have totally fell in love with it. Mint.com allows you to connect all of your online banking, credit card, and investment accounts under one single logon. You have the ability to see all of your accounts from one site, view spending trends, track savings, as well as budgeting capabilities. I was quite hesitant at first however, this site is secured using bank-level data security and industry-leading identity protection and is validated by Verisign and TRUSTe.

I found Mint.com’s services pretty unique in that before I was visiting over 8 sites to view bank account balances, credit card availability, and investment activity. Now I can visit one site view my entire financial picture in less than five mintues instead of spending countless hours online. Online money management is not a new technology, it’s been around and most institutions offer some form of online account access. Mint.com has innovated a new way of “managing multiple website to get a comprehensive view of your personal finances”.

Check it out for your self (Mint.com); best of all its FREE!

Escrow Closed!

admin — Tue, 22 Apr 2008 05:58:30 +0000

I haven’t posted a blog entry in quite some time so I decided to give you an update on my new home purchase. Signed loan documents tonight, loan should fund on April 24th, and escrow closes on April 25th. I will be taking the following week off from work to get moved in and transition to my new home. It’s been long awaited but the day has finally come.