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The www.FedPrimeRate.com Personal Finance Blog and Magazine

Friday, July 14, 2023

Make GREAT MONEY Online with Twitter

Make GREAT MONEY Online with Twitter.

The sweet and VERY lovely #AshleyDCan does it, and does it well.

And so can you....

       >> https://bit.ly/Make-Money-Online-Twitter <<

#Adults #AdultsOnly #Money #MakeMoney #MakeMoneyOnline #MakeMoneyBlogging #MakeMoneyVideoBlogging #Adults #AshleyDCan @Ashley #Twitter #Elon #ElonMusk #OnlineIncome #Blogging #VideoBlogging #MakeMoneyOnTwitter #MakeMoneyWithTwitter




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Monday, May 22, 2023

New York City Rent Is Too High!

Manhattan - New York City Skyline
NYC Skyline
It’s been more than two decades since I decided to give up the humble and often humiliating life of a struggling New Yorker and move out of the city.  I was living in a tiny basement apartment in Jackson Heights, Queens, working in Manhattan, but with an income that made living on America’s most fabulous island impossible.

From a May 18, 2023 CNN article:

"... The median cost of renting an apartment in Manhattan was $4,241 in April. That’s up 8% from a year ago and up 1.6% from March, when rents hit a record high of $4,175.

A one-bedroom apartment had a median rent of $4,200, up 5% from last year; while a two-bedroom apartment had a median rent of $5,500, up 11% from a year ago. A studio apartment rents for a median price of $3,235, up 13.5% from last year..."

So, on this two-decade anniversary of me moving out of NYC Housing Hell, here is my top 10 list of reasons why I don’t like NYC:

1)  >>  The Rent Is Too Damn High!  <<

2)  There is dog poo EVERYWHERE!  Why do New Yorkers think it’s OK to leave feces all over the place, so that we can all step in it and drag it into our homes?  DISGUSTING!  Sometimes I think I’m the only one who hates this.

3)  NYC Subway I:  It’s way too crowded during rush hours.  If you can’t find a seat, you’ll stand.  And if you’re lucky, the guy or gal who is packed into a subway car and standing next to you -- and I mean so packed that they are right in your face -- didn’t bother to brush their teeth that morning…

4)  NYC Subway II: In the dead of winter, the air in underground platforms is colder than the air outside, and hotter than the outdoors during the oppressive heat of mid-summer.  Lovely.

5)  NYC Subway III: Rats and Roaches.  Nice.  And the rats are brazen.  One time, I caught one literally spitting in my direction, and looking me dead in the eyes while doing so…

6)  NYC Subway IV - More disgust: I was moving between subway cars one morning, trying to find a seat, and found a MASSIVE pile of human feces in-between the cars. Almost stepped in it. Awesome.

7)  Residential and Commercial Roach Problems: Trying to eradicate cockroaches is pretty much pointless.  They are too hardy. Too resilient. Too evil. I’ve gotten a free meal in my favorite restaurant on more than one occasion, because they couldn’t get rid of them.

8) I love the city, but not the people.  The typical New Yorker is a negative, rude, nasty, putrid piece of junk.  Too much schadenfreude.  Not enough community (with the exception of the 9/11 terror attacks, when, during a long mountain-bike ride around three boroughs, I witnessed thousands of ordinary city folk gather at their local fire house to cheer and salute the heroism of New York City’s intrepid firefighters.)

9) The cops: Not all bad, of course, but enough are so bad that they engender much displeasure for all the cops.

10) When my mom retired from her job, and bought herself a new car as a retirement preset, she donated her old diesel workhorse to yours truly.  And I was quickly reminded how bad NYC roads are.  On one beautiful spring morning, I wasn’t able to avoid a huge pothole, and BANG!  Had to replace a rim.  With labor, it cost me $400 to replace, and the replacement was used! 

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Thursday, March 30, 2023

www.FedPrimeRate.com Privacy Policy

www.FedPrimeRate.com Privacy Policy

Internet User Privacy

This website is owned by FedPrimeRate.comSM. To contact the owners of this website, click here to jump to our contact page.

The owners of this website respect the privacy of all Internet users who browse this site's pages. This website does not collect sensitive, personally identifying information.

Security / Collection of Data

As a visitor to and user of this website, you are in fact an anonymous user of this site.

This website does not collect identity, contact or any other type of sensitive information from Internet users who access content within this website. This website may, however, collect certain, non-sensitive identifiable information, for example, browser type, operating system, domain name, time spent on the website, or referring Uniform Resource Identifiers (URI.) This information may be used for website improvements, and nothing more.

This website does not sell or rent personally identifying information, and never will.

This website does not disclose sensitive, identifying information to anyone who is not authorized to receive such information, and never will.

You will never be asked to login to any page within the www.FedPrimeRate.com website, or its subdomains (cd.fedprimerate.com, creditcards.fedprimerate.com, primerate.fedprimerate.com, economy.fedprimerate.com, money.fedprimerate.com, carinsurance.fedprimerate.com, libor.fedprimerate.com) using private credentials, and we will never ask visitors to disclose sensitive information, publicly or privately.

If, at any time, you find that you are being asked to disclose sensitive information, like your real name, Social Security number, date of birth, home address, credit-card information, passwords, etc., then you are being asked for this information by another party. This may occur if you click on a hyperlink here within the FedPrimeRate.com domain, or one of its subdomains, to another website or Internet application. Quite simply: if you are asked for sensitive information anywhere on the Internet, then please be careful. Please make sure that you are communicating via a secure (secure as in the URL starts with HTTPS://, as opposed to the unencrypted HTTP://) connection with a perfectly trusted entity, and be sure that the device with which you are browsing the Internet has not been compromised, and is not being manipulated, by malicious software.

When using the Internet, please be sure that the websites you are visiting are in fact the websites you intended to visit. Scam artists use fake or misleading Internet addresses to trick unsuspecting web surfers all day, every day. For example, you may think that you are visiting the English version of the Wikipedia website:

http://en.wikipedia.org/ (REAL / LEGITIMATE Internet address),

but, upon closer inspection, you find that the URL is actually fake or misleading, like:

  • -- http://en.wikiepedia.org/ (FAKE / MISLEADING Internet address) or,

  • -- http://en.wiki--pedia.org/ (FAKE / MISLEADING Internet address.) or,

  • -- http://en.wiki_pedia.org/ (FAKE / MISLEADING Internet address.) or,

  • -- http://en.wikypedia.org/ (FAKE / MISLEADING Internet address.)
Spoofed Internet addresses are not that hard to spot. Don't be a victim of a phishing scam.

Please scan your computer(s) and other Internet-connected devices for malicious software often. We recommend daily.

Try to get into the habit of deleting temporary (TEMP) files from your computer on a regular basis. Creators of malware like to use temporary folders to store their malicious programs.

Deleting temp files in Windows 10/11 easy: -- On the Windows Taskbar, click the Search icon (the magnifying glass.) -- Search for Disk Cleanup, then click the link for the Disk Cleanup App. -- Choose to cleanup both Temporary Internet Files and Temporary Files.

Collection of Information by Third-Party Sites

This website contains links to other Internet websites and has no control or authority over the information submitted/collected by these third-party sites. Please refer to the Privacy Policy of each and every third-party website.


www.FedPrimeRate.com does not (and never will) intentionally send unsolicited email messages that could legitimately be construed as spam.


www.FedPrimeRate.com complies with the Children's Online Privacy Protection Act of 1998. This website does not specifically target to children under eighteen (18.)

Ad Servers

www.FedPrimeRate.com contains ads produced by third-party advertisers. The purpose of these ads is to display products or services that may be of interest to you. Cookies The following domains and subdomains may set one or more completely safe cookies on your device as you browse www.FedPrimeRate.com and its subdomains:


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The above-listed domains and subdomains are all vetted and trusted, and use cookies to both enhance www.FedPrimeRate.com, and help the owners of this website make useful updates and improvements. This website will evolve on a continuing basis, and always for the better. We may update this Privacy Policy from time to time. All changes will be posted on this webpage.

If you have any questions about our privacy policy or about any other webpage within this website, our email address is:



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Monday, October 24, 2022

SCAM ALERT: How to Avoid Banking And Other Trending Scams; Know The Red Flags

SCAM ALERT: How to Avoid Banking And Other Trending Scams; Know The Red Flags
From the good folks at Bank of America:

Be Aware Of A Trending Zelle® Payment Scam

Beware of scammers impersonating banks and fraud departments. By spoofing legitimate phone numbers to call or text you, the requests can be very convincing. While Bank of America may send you a text to validate unusual activity, we will never contact you to request that you send money using Zelle® to anyone, including yourself or to share a code to resolve fraud.

Here's What Happens:

  • You receive a text that looks like a Bank of America suspicious activity alert.

  • If you respond to the text, you've engaged the scammer and will receive a call from a number that appears to be from a bank.

  • The “representative” or scammer will offer to help stop the alleged fraud by asking you to send money to yourself with Zelle®.

  • Then, they ask you for a one time code you just received from a bank. If you give them that code, they will use it to enroll their bank account with Zelle® using your email or phone number.

  • The scammer now has the ability to receive your money in their account.

Being vigilant is your first line of defense; here's how to help stay protected:

  • Don't be pressured to act immediately — this is what scammers want you to do.

  • Don't trust caller ID — it's not always who it says it is.

  • Don't share codes based on a call you receive.

To learn more, watch this educational video layer from Zelle®


Know The Scams That May Follow A Natural Disaster

Watch out for fake contractors. Following a disaster, unlicensed contractors will canvas the impacted areas promising to get clean up or repairs done quickly. They may ask for payment up front and not show up to do the work, or have you sign a contract that redirects insurance payouts to them and not you.

  • Do your research; get multiple quotes for comparison, and make sure the contractors are licensed.

  • Use caution if you're pressured to pay up front for the job or sign over the insurance claim. Contractors may try to offer special deals that seem too good to be true.


CLICK HERE for much more from this
highly informative Bank of America article.



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Monday, April 11, 2022

My Job Interview at The New York Public Library

The New York Public Library (NYPL)
The New York
Public Library

Back in 1999, I interviewed for a tech support job at the New York Public Library (NYPL.) I showed up looking very smart: new suit from Macy's, a fresh haircut and a laminated resume.

The lady who interviewed me was Caucasian, probably in her late 20s or early 30s, and attractive in a "girl next door" kinda' way.

Interview questions: I was perfectly ready for anything and everything, from the obvious and valid to the unethical and incredibly annoying (Unethical as in questions about your current employers operations.  They want to steal as many good ideas as they can... And MAYBE hire you.)

So, as soon as I sat down, I was met with that look.

You see, I'm a person of color, with very dark skin.

Anybody who looks like me knows this look.  It's that "deer in the headlights" look, except it's from human eyes. It's that look that says, "I'm scared of you, and I just can't help it."  It's the kind of look we colored men get just before a fearful woman pulls her purse in closer to her body, because she automatically thinks that we may snatch it and run.

I thought she would catch herself, and the look would stop. But this was just silly, wishful thinking. It didn't stop. It was locked in.

So I got up, thanked her for her time, and left.

For me, this episode was exceptionally disappointing, considering that the NYPL is one of America's greatest fonts of free learning.  

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Friday, March 11, 2022

Earn As Much As $1,000 Per Month Donating Your Blood Plasma

Make Money Donating Plasma
Make Money
Donating Plasma
Your blood plasma can do some very significant things for the folks who need it.  It can dramatically improve the lives of people who have certain immune system disorders.

Compensation is generous since blood plasma can't be made in the lab.  Donations from healthy donors is the only source. 

BioLife Plasma pays $20 to $50 per donation and has a one-time coupon for new donors that can help donors make up to $900 per month. Compensation varies based on your location.


       >>> Click Here for a BioLife Information Kit <<<


Related companies include Octapharma Plasma, and CSL Plasma.  At CSL you can get more than $1,000 for your first month.

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Monday, February 28, 2022

My COVID-19 Antigen Rapid Test - February 27, 2022: Negative

Negative COVID-19 Test Result

Negative COVID-19
Test Result

My free COVID test kits finally arrived, courtesy of the United States government.  Ordered on January 18, 2022, and arrived yesterday, so the process took 39 days.  Not bad.

The two kits I got came with detailed, printed instructions, but being the computer geek that I am, I thought using the iHealth COVID-19 Antigen Rapid Test App with one of my smart devices would be more efficient. It's available for both Android and Apple iOS. A scannable QR code was provided.

I installed the app and quickly found myself frustrated with it.  Video moved too fast, and the was way too small (low resolution.)  So I went back to following the printed stuff.

Very glad to report that I tested negative.  I wasn't worried that I might test positive because I am extremely careful about hygiene and social distancing, and I work from home...And I have all my food delivered to me, mostly from Walmart.  I signed up for Walmart+ since I order from them so much.  I get free shipping and/or delivery on most of my orders. 

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