Get Your Financial House in Order with the InterestingMoney Finance Tracker

Tired of wondering where all your money is going? Want an easy way to determine your monthly savings rate? Then it’s time to take charge of your monetary life and get your financial house in order. Mr. IM is here to help.

The InterestingMoney.com Finance Tracker

spreadsheet_icon
The IM Finance Tracker – Google Drive Link
Features include budgets for fixed and variable spending, tracking expenses categorically by month, charting income versus expenses, and automatic calculation (and graphing) of your savings rate.

What is it? Basically, it’s a spreadsheet to track your household financial life. No, it’s more than that – it’s a life-changing tool that promises to fatten your wallet, crush your debt, and make you a better lover. That’s a bit overboard. The truth is somewhere in between. Continue reading

4 Free and Unlimited Online Invoicing Tools

If you run a small business or do any freelancing, you need a convenient way to send invoices to clients. Sure, you can keep track of all customer information in a spreadsheet, but you can also use an online invoicing tool. While I don’t have hundreds of clients for my side projects, I still get tired of wrestling with a spreadsheet for my invoicing needs. A friend recommended managing everything online, so I took a look at some online tools.

First of all, there are A LOT of options for online invoicing, both free and paid. Most companies, such as FreshBooks, offer a professional commercial invoicing system, but impose strict limitations on their free offering. Such limitations usually manifest themselves in the number of invoices you can send each month, or in the number of clients you can manage. While imposing limitations for a free product in order to urge customers to upgrade to a paid offering is understandable, some companies impose such strict limitations as to render the free offering practically useless. You mean I can only manage two clients and only send three invoices each month? Ridiculous.

On the other hand, there are a few companies that offer free and unlimited invoicing tools. All of the options listed below are completely free to use and impose no restrictions on the number of clients you can manage nor on the number of invoices you can send each month.

billing-boss-logo1. Billing Bosshttps://www.billingboss.com

Billing Boss is rare in that it is one of the only online invoicing programs that does NOT have a paid commercial upgrade. As of now, Billing Boss only comes in a free variety, and what you get for a grand total of $0 is surprisingly complete.

Billing Boss offers:

  • Unlimited invoices and clients
  • Multiple currencies
  • E-mail support (send invoices directly to clients)
  • Full PDF support (send attached PDFs to clients automatically)
  • Unbranded e-mails
  • Data sharing (add a partner or bookkeeper)
  • HTTPS support (log in here)
  • Payment recording
  • The ability to accept payments online via PayPal or their own payment services
  • Support for taxes, discounts, and your own logo
  • Mobile-friendly site (iPhone and Google G1 support)

In short, Billing Boss offers features for free that would cost a monthly subscription payment with most other companies. It’s my favorite online invoicing tool that I’ve found so far, and it handles my meager needs with aplomb. I wish it supported Google Checkout in addition to PayPal, but it’s hard to complain about such a complete feature-set.

The only other feature that I haven’t found yet in Billing Boss is support for recurring invoices. That said, Billing Boss is the most complete and feature-rich FREE invoicing tool that I’ve seen so far. View a video tour.

invoice-journal-logo2. Invoice Journalhttp://www.invoicejournal.com

Like Billing Boss, Invoice Journal is one of those rare programs that exists only in a free flavor; no commercial upgrade is available. Unlike Billing Boss, Invoice Journal is the creation of a single developer (as far as I can tell) instead of a large company. The application is still in active development, but is quite powerful already.

Invoice Journal offers:

  • Unlimited invoices and clients
  • Multiple currencies
  • E-mail support (send invoices directly to clients)
  • Unbranded e-mails
  • Payment recording
  • PayPal support
  • Support for taxes and discounts
  • Custom templates

Invoice Journal is nice, but certain features are more difficult to use than other programs. For instance, you can add a custom logo to your invoices, but you must first create/modify a custom template, then upload it to the server before you can use it. The silver lining is that Invoice Journal is rather powerful, but may take a little longer to get up and running than one of its competitors.

There are a few missing features that I’d love to see integrated, such as HTTPS support and an easy way to grant access to partners or other staff. Still, I welcome another completely free invoicing tool to the arena.

curdbee-logo3. CurdBeehttp://www.curdbee.com

CurdBee offers both free Standard and commercial Pro accounts.  The interface is impressively slick and easy to understand.

CurdBee (free) offers:

  • Unlimited invoices and clients
  • Multiple currencies
  • E-mail support (send invoices directly to clients)
  • Payment recording
  • PayPal and Google Checkout support
  • Custom logos

CurdBee looks great, no doubt about it, but their free feature set pales in comparison to competitors, such as Billing Boss. If you want extra features like PDF support, SSL encryption, support for taxes and discounts, the ability to send reminder and thank-you messages, plus unbranded e-mails, you have to upgrade to the Pro version. Granted, the Pro version is cheap ($5 a month), so it’s hard to complain much, but these features are available for free elsewhere.

CurdBee has a module-based upgrade model. Once you upgrade to Pro, you have to pay even more to unlock certain additional features. Want support for recurring invoices? Pay an additional $5 a month. Need support for the 2CheckOut payment gateway? Fork over yet another $5 a month. While CurdBee’s motto is Sweet and Simple Billing, these upgrades beyond the Pro level leave a bitter taste in my mouth.

As long as you understand the limitations of the free version, CurdBee works well, and manages to look great in the process.

billing-manager4. Billing Managerhttps://billingmanager.intuit.com

Created by Intuit, Billing Manager is a popular online invoicing sytem that has both a free and a paid couterpart.

Billing Manager (free) offers:

  • Unlimited invoices and clients
  • Multiple currencies
  • E-mail support (send invoices directly to clients)
  • Unbranded e-mails
  • HTTPS support
  • Payment recording
  • Support for taxes, discounts, and your own logo
  • iPhone-friendly site
  • Multiple templates

Billing Manager offers a lot for free. The main features lacking in the free version versus the paid upgrade are PDF support, recurring invoicing, and the ability to create and send estimates. Still, you can do a lot worse than Billing Manager. Plus, you may find it comforting knowing that you have the power of Intuit behind you.

The main drawback of Billing Manager versus the competitors is a complete lack of the ability to accept payments online for free. No, they have no support for gateways such as PayPal and Google Checkout. Instead, you have the option to apply for a Merchant Service account, which will give you the full capability to accept credit cards and eChecks online, but will also cost you $15 a month. This is completely separate from the Pro account, so even if you upgrade to Pro, it does NOT include a Merchant Service account. While Billing Manager may be the most professional invoicing system listed here, it’s also the most potentially expensive one.

Did I miss any free online invoicing tools that offer unlimited clients and invoices? If so, let me know in the comments. We can all benefit from that kind of information.

Happy invoicing!

Renting Our Home (Part I) – Initial Decisions

rent sign

Now that I have a new job, my wife and I will be moving to Texas soon. We own the house where we live now, so we had to make a decision: do we try to sell or rent our home?

Ultimately, we’re deciding to rent our current house. We live in an area of the Midwest that has not yet seen crashing and burning home prices, but we still did not want to throw away any fledgling equity that we have built in our three years of home ownership. Plus, we live in a major university town, our home is in a decent neighborhood, and is within easy walking distance of a grocery store. It’s also right on the bus route for the university.

With these combined factors, it seems foolish NOT to at least try our hand at renting our little abode. I’ve never owned any rental property before, so this will be a valuable learning experience for me. Every potential rental home is different, so in no way does one person’s set of choices fit all situations, but here are a few issues to consider if you are thinking about renting your home or acquiring an investment property.

Location

This is perhaps the most important factor and also the hardest to discuss because of the individual and unique aspects involved. Ultimately, you need to ask yourself, does the location of my home make it an ideal (or even suitable) rental property?

The location of the property has a major influence not only in how fast it will take to rent the house, but also in the stability of the tenants it might attract. For instance, a single-family residence in an affluent suburb will likely have a lower turnover rate than a duplex in a condensed neighborhood near a university. That said, there are good and bad tenants no matter the location.

In our case, we’re in a great location for a rental: university town, near a grocery store, and on the bus route. We may find a single family who wants to rent from us for years to come, or we may find groups of students who live there for a year and then move on. Though we’d prefer the first, we’re okay with either situation.

Property Management

The next issue to consider is whether or not you want to hire a property manager or deal with the tenants and the upkeep of the property yourself. Opting to handle it yourself entails:

  • Finding and screening tenants
  • Chasing the rent each month
  • Dealing with landscaping and repairs
  • Handling unexpected complaints and emergency issues

If you’d rather let someone else deal with these issues, then hiring a property manager is for you. For a monthly fee (usually 6-10% of the rent), a property manager will deal with all the potential headaches and send you a check each month. If your property requires lawn care, this is something else that a property manager can set up for you.

For us, the decision was easy. Since we’ll be nearly a thousand miles away from our investment property, we’re opting to find a good property manager. If we were planning to live in the near vicinity, the decision would be much more difficult.

Home Warranty

Another decision to consider is whether or not to purchase a home warranty for your investment property. The purpose of a home warranty is to save you dealing with an unexpected and costly repair, such as a furnace or A/C unit dying. A typical home warranty costs around $35-40 per month, and there’s a service fee (usually around $50) each time a contractor is sent to the house.

What you get in return is coverage for the electrical, plumbing, and heat systems, plus most of the appliances in the house. If the furnace dies or the plumbing implodes, at most you will pay is the service fee instead of shelling out hundreds or thousands for the repair.

We haven’t fully decided yet, but will likely opt for a home warranty package.

Insurance

I know that insurance is far from the most interesting subject to discuss, but it’s another required issue to consider. When your home shifts from a primary residence to an investment property, the insurance will likely go up. Frankly, this is tantamount to highway robbery, because not only will your insurance company charge you a higher rate for the same house because it’s now an investment property, they would also love the chance to sell renter’s insurance to your tenant. It’s pure profit for them, leeching off both sides.

However, you still have one advantage: the ability to shop the competition. The last thing you should do is just call up your current insurance company, report that your primary residence is turning into an investment property, and accept whatever new rate they charge you. Call them and ask for a quote, then tell them that you’re planning to call all their competitors. If you get a lower quote from a competitor, call your current company and ask them to beat it.

I find insurance a necessary evil, and I have absolutely no loyalty to my current company. If given a lower rate, I will not hesitate to switch all of my policies to a competitor.

Cost

And this brings us to the final element – cost. In the end, is it worth it to rent your home versus selling it outright? Especially if you opt to hire a property manager, purchase a home warranty, and pay for lawn care, can you make enough in rent each month to cover these fees plus the mortgage, insurance, and property taxes?

If you can, then renting your home is a great idea. Even if you end up taking a small loss each month, it may still be manageable provided you have enough other income to offset the small loss. There’s always the possibility of raising the rent a little after a year or two to negate the prior loss.

In our case, we’re just hoping to break even, thus allowing our investment property to pay for itself. We’re not trying to make big bucks right now – just having someone else pay the mortgage and build equity for us is a wonderful feeling.

In the near future, I’ll be shopping for a property manager, a home warranty, and insurance. Stay tuned!

7 Free and Simple Ways to Protect Your Privacy Online

I take online privacy very seriously, especially since I’ve been a victim of identity theft before. While no system is absolutely foolproof, there are a number of things that you can do right now to reduce the risk that your personal information will be used maliciously. Some of these tips are a little geeky, but most are quite simple. Best of all, none of them will cost you an extra penny!

1. Get a Better Browser

(Difficulty – Easy)

First things first, if you are not using a browser with built-in phishing protection, stop what you are doing right now and get thee a replacement! What is phishing? It’s a despicable attempt by scumbags to trick you into revealing personal information on phony sites. Ever received an e-mail from eBay, PayPal, or a bank asking you to re-confirm your account by clicking a link and typing in your username and password? That was a phishing attempt, and if you DID enter that information, it was likely stolen. While most newer browsers offer some protection against phishing, some do not. I’m looking at YOU, Internet Explorer 6. You too, Apple Safari!

Suggested browsers that all include phishing protection:

2. Use OpenDNS

(Difficulty – Medium)

This one is essential, but don’t run away in fright. It’s simpler than you may think. In short, OpenDNS is a free Domain Name Service (DNS) that you can tap into from your computer (or your router). Setup is easy. You don’t even have to install anything.

What can it do for you? A lot!

For starters, it provides additional protection against phishing, which is enough reason alone to use it. In conjunction with a better browser, this is a double whammy against phishing attacks. OpenDNS also automatically corrects common misspellings and re-directs you to the appropriate site. For instance, if you type craigslist.og, it will automatically forward you to craigslist.org. Slick.

That’s not all, though. OpenDNS gives you extensive control over content filtering. Want to quickly block access to an individual site or adult-related sites in general? Done. Check out the screenshot below.

Again, all of this is FREE. For best results, configure OpenDNS on your router, not just your individual computer. That way, everyone on your home network is automatically protected.

3. Use a Password Manager

(Difficulty – Medium)

You probably have a lot of account information to remember, don’t you? Most people nowadays have online access to banks, credit cards, utilities, and a plethora of random Internet services, such as eBay, Flickr, and (shudder) MySpace. Wait, don’t tell me that you use the same username and password over and over again, do you? DO YOU?

Recycling the same login information for every site is a brutally-bad idea. You are literally putting all your eggs in one basket, and if your information is compromised, it’s compromised everywhere. How, then, do you manage to remember all those usernames and passwords if you create new login information for every site?

Some people use pencil and paper, some type it into a text document and hope for the best, and others (like myself), use a password manager.

Personally, I like KeePass, and I’ve written about it before. Essentially, it’s a program that securely organizes all my usernames, passwords, and security questions. All you have to do is set a secure master password and lock all your information within the database.

Best of all, it’s free, and the learning curve is pretty slim. You can also carry it around on a portable USB flash drive. That’s what I did in Greece this past summer, and thanks to KeePass, I never had to type a single password at all the Internet cafes I visited.

Just try it. It may change the way you handle login information.

4. Protect your E-mail – Use Disposable Addresses

(Difficulty – Easy)

Ever visit a site that requires you to enter an e-mail address for some obscure reason? Or maybe you need to enter an e-mail address into a web form, a public forum, or anywhere else that may result in a deluge of spam in your inbox.

In times like these, a temporary, disposable e-mail address works wonders. All you have to do is generate a disposable address (valid for a few minutes or hours), use it for your intended purpose, and then walk away. No spam from that site will touch your real inbox.

While there is a growing number of disposable e-mail services available, here are a few of my favorites:

  • 10 Minute Mail – As the name suggests, it offers disposable e-mail addresses valid for 10 minutes, but if you need more time you can reset the countdown with the click of a button. While the address is valid, you can read and even reply to incoming e-mails. No registration is required.
  • Lite Drop – Offers disposable addresses valid up 60 minutes, but you can always reset the timer to extend the allotted time. You can read, reply, and even view an RSS feed of your inbox. No registration is required.
  • Mailinator – This one takes a slightly-different approach. Instead of generating an address beforehand, Mailinator creates an account as soon as an e-mail arrives for it. You can simply enter any name that you want, such as spam-me@mailinator.com, or maybe ilovespam@mailinator.com. You can check that address by entering it on Mailinator’s site. I suggest using obscure names, since anyone else can also check that e-mail address by entering the same name. See their FAQ for details.
  • Fake Name Generator – Why stop at just e-mail? With Fake Name Generator, you can generate an entire fake identity, right down to fake phone, birthday, SSN, and credit card number! Of course, it also generates a disposable e-mail address that you can use for whatever purpose you like.

5. Take Advantage of Virtual Credit Card Numbers

(Difficulty – Easy, when available)

Are you comfortable using your credit card for shopping online? I am, but I often add an extra layer of security by utilizing a temporary credit card number. The idea is brilliant, yet simple. Not all credit card services offer this, but for those that do, here’s how it works.

Whenever you want to buy something online, simply generate a virtual card number that is tied to your real one. Submit the virtual number and expiration date to the online merchant and buy your product as usual. That’s it. At no point did you reveal your true card number.

Most services also offer additional customization, such as the ability to limit the transaction amount as well as auto-expiration of the virtual number. For instance, you could generate a virtual number that expires in two months and has a total transaction limit of $25. Any amount beyond that will be rejected. You could even generate a number that’s valid for only one usage.

A few companies that offer this service are:

To see if your existing Citi card offers this ability, take a look under the Tools & Services menu in your account. You can also view existing cards with this feature.

If virtual numbers are available to you, it’s certainly worth the effort to use them. Adding another layer of security and privacy to online shopping never hurts.

6. Protect your Phone Number

(Difficulty – Easy)

How would you like a more secure, controlled environment for your phone number? There are two solutions that I like – one for the short term, and one for the long term.

Formerly knows as CraigsNumber (for providing privacy on Craigslist listings), inumbr is an auto-expiring, FREE phone number service that forwards calls to your home or mobile phone without revealing your actual number. Think of it as a disposable e-mail address, but for your phone. You can create a temporary phone number that’s valid for as little as one hour, or as long as one month.

Trying to sell something online, or need to make a listing in the classified ads? Generate an inumbr first and keep your true phone number a secret!

GrandCentral (by Google) is a similar FREE service, but the number that they generate for you is your permanent number. However, you can link that number to all your existing phones and create custom ring setups. Depending on the caller, GrandCentral will ring my cell phone, my wife’s cell phone, my office phone, or all my linked phones!

Concerning privacy and security, my favorite feature of GrandCentral is the ability to simply mark a caller as spam (just like an e-mail inbox), and never hear from them again! Telemarketer or ex-boyfriend/girlfriend harassing you? Hit the spam button by their number and kiss them good-bye!

GrandCentral is currently in private beta, but you can go ahead and reserve a number.

7. Don’t be an Idiot.

(Difficulty – ???)

My final point is that none of these solutions are worth a pitcher of warm spit if you can’t protect yourself from… yourself. Use common sense. Question everything. As with phishing, most attempts to gather your personal information come in a masked form. Do you really think that e-mail full of typographical errors is truly from PayPal? Do you really think that nice prince from Nigeria wants to give you a million dollars? C’mon.

The last few years have witnessed the rise of the social network, and it concerns me how many people willingly (nay, eagerly!) give away practically all details of their private lives online. I think we’re only starting to see the far-reaching implications of such actions. And no, I’m not just talking about posting drunk party pictures of yourself on Facebook for the world to see and then wondering why you got fired. I’m talking about a widespread increase in identity theft directly related to the hapless vomiting of personal information online.

Remember that just because you pass through a login into your preferred social network, it doesn’t mean that any information you post about yourself is safe and secure. Yes, there are unscrupulous people out there who will stop at nothing to harvest your identity for malicious purposes. Flies are attracted to the dung heap, so to speak.

Just be careful. In the last few months I’ve seen a drastic increase in Facebook spam due to people with hijacked user accounts. It’s annoying, disturbing, and disgusting. Don’t let it happen to you.

This is by no means a thorough list. Do you have any other ideas on how to protect yourself online? I’d love to hear them.

Passwords Revisited – Using KeePass to Manage Your Financial Account Information

keepass-logo In a previous article, I described a few ways to make sure your spouse knows your financial passwords and other login information. Since writing that article, I have started exploring another password management tool – KeePass.

Too Many Accounts

Before I begin extolling the virtues of KeePass, allow me to explain why I think a password manager is worthwhile. After I wrote the previous article, an irate reader seemed hell-bent on pounding into my head that ALL my ideas were dumb and that people only need pencil and paper to manage all financial account information. Give me a break.

Sure, pencil and paper is fine if you only have one bank account, one credit card, and one investment account, but once you expand much beyond this basic foundation, the information that you must remember becomes increasingly unwieldy. Also, there’s also a great risk of losing the paper, forgetting to update it, or destruction by flood, fire, or rabid gophers. 🙂

I can only speak based on personal experience, but between my wife and myself, I manage about ten bank accounts, at least a dozen credit cards, two retirement accounts, and a multitude of other random accounts (utilities, affiliates, e-mail, shopping, etc). That is A LOT of information, and don’t like to use the same username/password combination twice. While I consider myself a competently-intelligent fellow, I welcome the assistance of a password manager in recalling all of the usernames, passwords, and security questions.

Why KeePass Rocks

Since I started using KeePass a couple months ago, I’ve fallen headfirst in love with it. First of all, KeePass is completely open-source and FREE. It’s easy to use. It’s secure. It’s portable. Best of all, you can use it interchangeably on Windows, Mac OS X, and Linux. Heck, you can even use it on your Blackberry or Windows Mobile device!

Over the past few weeks I have been migrating my doubly-encrypted master password document over to KeePass, and I am enjoying the added convenience and versatility that it has given me.

Basic Setup

keepass-set-master-key To start using KeePass, you must first create a new database in which to store your entries. From the File menu, click New, and a New Password Database window will spawn.

At this point, you need to set a Master Password that will allow you to gain access to ALL your other passwords. It is truly one password to rule them all, and in the database bind them! 🙂

Needless to say, create a strong password using numbers, capital letters, and special characters. Don’t use something dumb, like the word ketchup.

Once you have set your master password, it’s time to add some entries. The main interface of KeePass separates passwords Groups on the left and Entries on the right. Here’s a screenshot from my computer:

keepass-main

By right-clicking on either side, you can create groups (or sub-groups) and entries. For instance, let’s add a sample entry. Right-click in the space on the right and choose Add Entry… A new window will spawn like the one shown here.

keepass-add-entry

Fill in the necessary information, including the password (press Shift + Home to clear the password field), and then press OK when done. Congratulations, you now have a new entry. But what can we DO with it? This is the exciting part.

Basic KeePass Usage

The features of KeePass are what make it infinitesimally cooler than a piece of paper or a text document. Here are some examples.

keepass-right-click Right-click on the entry that you created and feast your eyes on the possibilities. With a simple keystroke, you can open the URL that you provided. Don’t feel like typing the password when logging into an online banking session? No problem. With another keystroke, KeePass will temporarily copy your password to the clipboard, allowing you to paste it into the appropriate web site. Worried that someone will come along behind you and try to paste again to discover your password? Have no fear, KeePass securely shreds that information immediately after the first paste. Cool!

Don’t like keystrokes? No problem! KeePass features excellent drag-and-drop support. From the main interface, you can simply click-and-drag the username and password fields to the appropriate place on the website, and KeePass will fill them in appropriately! Here is a screenshot, courtesy of keepass.info.

keepass-dragndrop

You can even drag the URL field to your browser window and it will automatically open the appropriate URL. Neat!

The drag-and-drop options (plus the keystroke ability) provide added security against keyloggers. I’ll be spending several weeks in Europe this summer and I have an inherent distrust of public Internet cafes. Who knows if someone has surreptitiously installed some software to record every keystroke pressed on the keyboard? To work around this potential problem, I’ll just run KeePass from a USB flash drive at all Internet cafes, leaving no trace behind me. Call me paranoid, but I’ve been a victim of identify theft before, and I don’t ever want to go through that again.

Oh yeah, one more thing: KeePass also includes a password generator. I’ve started using it to generate passwords for certain sites that I do not trust very much (such as eBay).

Storing the Database

Since the database KeePass uses to store your account information is completely encrypted, you can simply e-mail the file to yourself for safekeeping. I keep the database stored on my personal computer, plus in a couple different places online. A bomb could fall on my house while I’m away and I would still have all my critical account information!

For added security, you can stuff the database file into an archive using software such as Winrar, 7-zip, or IZArc, just like I described in the previous article.

As long as you remember to e-mail the database to yourself after you make any changes, you will always have the latest version of your passwords. Oh, and for those of you who feel more secure with paper copies, KeePass has the ability to easily print a list of ALL your account information by choosing Print from the File menu.

I want to re-iterate that my purpose in writing an article like this is to make people consider how their financial information is stored, and how easy or difficult it would be for other family members to access that information should tragedy strike. KeePass works well for me, but even if you do not care for it, I encourage you to find an option that does.

More information:

KeePass – First Steps

KeePass – Security

KeePass – Downloads

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Revolution MoneyExchange ($25 bonus) – Referrals Still Available

Just a quick note to say that I still have invitations available for Revolution MoneyExchange.

For February 2008 only, there is a $25 sign-up bonus. If you contact me and ask for a referral when you sign up, I’ll send you an additional $5 bonus.

Please see this post for details.

I can confirm that there is no hard credit inquiry for creating an account. It’s an easy $25-30 bonus. 🙂

$25 Bonus – Revolution MoneyExchange (PayPal Competitor)

revolution_moneyexchange_banner.pngWant to earn a quick $25? Simply sign up for an account with Revolution MoneyExchange. This offer expires on 29 February 2008.

What is it? Revolution MoneyExchange is a PayPal competitor with a really freakin’ long name! In a nutshell, it’s a service that allows you to send and receive money for FREE (no more PayPal fees for receiving money!).

Your account is linked to an existing checking account, and you can push/pull money into via ACH (free). Keep in mind that this is not a savings account, so any money accrued does not earn interest.

What are some possible uses for Revolution MoneyExchange?

  • Sell items over the internet (why pay to get paid?)
  • Have a roommate or tenant pay rent money monthly
  • Send money to kids or family members quickly
  • Pay your drug lord what’s due or get your kneecaps busted

Ok, so that last one was (hopefully) a joke, but these are only a few of the possibilities available.

Please note that they require a Social Security Number. I assume they need this to someone from signing up for multiple accounts.

Once you sign up, the $25 bonus will be there waiting. All you have to do is link a checking account to earn access to the bonus. As soon as I created my account, this is what I saw (click thumbnail for larger view):

revolution_moneyexchange_25.png

My offer – earn an extra $5

Revolution MoneyExchange has a referral program. If you contact me and request that I send you a sign-up invitation, you will still receive the $25 bonus, and I will receive $10 more. For everyone who receives an invitation from me and creates a valid account, I will send you $5 (half of my bonus). I just need your e-mail address where I can send the invitation.

It is truly a win-win situation.