I’ve been reading a lot about how the IRS has changed their payment schedule for the tax rebate checks, but after checking out their website I don’t see any changes. You can view it for yourself here. Let me know if there’s something I’m missing…

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With graduation just around the corner for many college students, there’s no time like the present to get a grip on your finances. The average college graduate has $21,000 in student loan debt, not to mention some hefty credit card bills. If your looking for a way to keep yourself on track I recommend signing up for Quicken Online. You can sign up for a 30 day free trial here, and after that it’s just $2.99 a month!

As many of you already know, I’m a huge fan of Quicken. But ever since they released their online version, I can’t remember how I lived life without it! All my finances are available 24/7 online with the click of a mouse. I never have to worry about how much money I have or when my bills are due. Quicken Online tracks it all for me! Give it a try and let me know what you think…

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The Middle-Class Millionaire: The Rise of the New Rich and How They Are Changing America

About the Authors: Russ Prince is the president of the market research and consulting firm Prince and Associates. He’s also a columnist for Elite Traveler and the author/coauthor of more than 40 professional development books. Lewis Schiff leads a team of private wealth investors for Advanced Planning Group. He also wrote The Armchair Millionaire: Build and Protect an Extraordinary Portfolio.

About the Book: In Middle-Class Millionaire, Russ Prince and Lewis Schiff examine the lives of what they call middle-class millionaires. These are people who have reached a net worth of 1-10 million dollars the old fashioned way. Earned, not inherited! Each chapter is broken up into small, easy to digest sections with inspiring stories from middle-class millionaires all across America. The fact that each chapter is broken up into smaller sections makes this book a great before bedtime read.

3 out of 5 dollar signs!

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I apologize for the lack of articles in the past few weeks. For those of you who don’t know, I’m currently deployed to Iraq and it’s not always possible for me to get to a computer. I will be returning home soon though, and I plan to pick up right where I left off. I appreciate the patience and I hope that this hasn’t been too much of an inconvenience for you.

Cody

While cell phone spam isn’t quite as prolific as email spam, in many ways it’s more intrusive! While the organization Controlling the Assault on Non-solicited Pornography and Marketing (CAN-SPAM) has prohibited companies from sending unsolicited emails and text messages, they left the door wide open to political campaigns and charities. This may not seem like a big deal on the surface, but being charged .10 - .25 cents per message for something you never even asked for can get quite aggravating!

Consumer Reports offers the following four methods to minimize your chances of receiving unwanted text messages…

• Act Fast: If you don’t have a text messaging plan with your cell phone provider, contact them immediately after receiving a spam text message. The sooner you call, the better your chances are of having the charge removed.

• Change Your Settings: Most spam text messages originate overseas. They reach your phone via the Internet over the Short Message Service Center (SMSC) . You can prevent this with most providers by accessing your account online and changing your email and messaging preferences to block messages sent over the Internet.

• Register with the Do Not Call List: Register your cell phone number with the official Do Not Call List to stop telemarketing before it even starts! You can register up to three numbers for free, so don’t forget to register your land line if you haven’t already!

• Prevent Future Spam: Prevent future spam by not downloading free (or inexpensive) ring tones and games. These will often provide your cell phone number to telemarketers.

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