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The www.FedPrimeRate.com Personal Finance Blog and Magazine

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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Sunday, February 27, 2022

Calling a Super Bubble: Front Row With GMO's Jeremy Grantham

An honest and insightful video interview: Calling A Super Bubble: Front Row with Jeremy Grantham, co-founder and chief investment strategist at investment management firm Grantham, Mayo, & van Otterloo (GMO), headquartered in Boston, MA.  This clip is a little over 37 minutes:




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Tuesday, January 18, 2022

You Can Order 4 FREE COVID-19 Test Kits Right Now!

You Can Order 4 FREE COVID-19 Test Kits Right Now!

You Can Order 4 FREE COVID-19 Test Kits Right Now!

            >>> https://bit.ly/Free-COVID-Test <<<

NB: Tests will ship free starting in late January 2022, to valid residential United States addresses.

#COVID19 #Pandemic #Coronavirus #Omicron #FedPrimeRate #FreeCOVIDTest #FreeStuff #COVIDTestKits #COVIDTest

I thought the website for ordering would be super slow or down due to volume, but I was able to order with zero troubles...YAAAAY!

You Can Order 4 FREE COVID-19 Test Kits Right Now!

You Can Order 4 FREE
COVID-19 Test Kits Right Now!

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Wednesday, December 22, 2021

Best Egg "Pre-Approved" Loan Offer: Why Not Say "Pre-Qualified?"

Best Egg Pre-Approved Loan Offer

Best Egg Pre-Approved Loan Offer

After all these years, I can't believe that lenders are still allowed to use this language:


I'm old, and I've done plenty of borrowing in my time, so I know that the phrase "you're pre-approved" is a very unethical trick lenders use to make you think that your financial background has already been vetted, and your loan application is virtually guaranteed to get a green light. I know better.

But what about the young, first-time borrower with a limited or nonexistent credit history?  They see the "pre-approved" hook, they apply, they get turned down, and the lender ends up getting something very valuable: all of the rejected borrower's most sensitive, identifying information (name, address, Social Security number, age, etc.) Not good.  Not good at all.


OK, so here's an explainer of a mortgage "pre–approval letter," by the good folks at TheMortgageReports.com:

"...Having a pre–approval letter gives your offer a lot more clout, because the seller has solid evidence you’re qualified for a loan to purchase the home.

Realtors generally prefer a pre–approval letter over a pre–qualification letter, because a pre–approval has been vetted to prove your eligibility.

Note: getting “pre–qualified” is different from getting a pre–approval.”

Both terms mean a lender is likely willing to loan you a certain amount of money. But Realtors generally prefer a pre–approval letter over a pre–qualification letter.

That’s because pre–qualification letters are not verified. They’re just an estimate of your budget based on a few questions.

A pre–approval letter, on the other hand, has been vetted against your credit report, bank statements, W2s, and so on. It’s an actual offer from a mortgage company to lend to you – not just an estimate.

You are NOT required to stick with the lender you use for pre–approval when you get your final mortgage. You can always choose a different lender if you find a better deal..."

And this is exactly what ALL banks should do: use the term "pre–qualified" instead of "pre-approved," and include a detailed explanation of what it means, not in tiny, eye-straining text and the end of the last page, but in bold, and right next to the first use of the term.  Amen.

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Friday, December 10, 2021

Latest Norton Antivirus Protection Renewal Scam In My Inbox

www.FedPrimeRate.com: Latest Norton Antivirus Protection Renewal Scam In My Inbox
Email Scam Alert
OK, so here's another stupid and very lame attempt to scam the world, received in my main Gmail account today:


Subject Line: Invoice Id : NJ7834H78EH39

Email Body: Dear ******* ,

Invoice Id : NJ7834H78EH39

Thank you  for connected with our norton anti-virus protection. This email is to notify you that your membership for your computer security & protection has been renewed

User Id : ********@gmail.com

Congratulations, you have successfully renewed your Norton Anti-Virus Protection membership.

You have been charged the payment of  $107.93 for 01 year Norton Anti-Virus Protection service from your bank account, via Debit/credit card.  If you didn’t authorize the charges or if you want to continue this service.

Kindly reach us immediately at      

1     8   0   6     4   5   4     5   7   3   7

Product                                       Unit Price                             Qty.                                            Total Amt.
Norton Anti-Virus Protection         $107.93                              

This Deduction will be reflected in 2-3 business days in your bank statement.

Note- This is a system generated mail.  Please do not reply to this mail ID. (1)  Call our 24-hr customer care.

Thank You


How lame is this scam attempt?

1)  Well, the email address of the sender is: <alinasmith6254@gmail.com>

Hmmmm.....Not sent from Norton, me thinks: DERP!

You see how the phone number is spaced out?  That's a giveaway too.  The scammer has formatted it like this in the hope that it will trick the email spam filter.  If the scam email goes to the spam folder, it's done.

For this particular scam email, it worked!  Gmail didn't send it directly to my spam folder.  I found it in my inbox.

3) I don't use Norton Antivirus.  I used to, a long time ago, with Windows XP, but I gave up on it as it consumed too much cpu time -- my computers got a lot slower -- and it was too expensive.  I find that Microsoft's built-in Windows Defender antivirus / anti-malware / anti-spyware works great.  Of course, because I'm a total Nazi about these things, I run Windows Update every time I rest and massage my hands (to prevent carpal tunnel syndrome), which is about every 10-15 minutes.

I also run a Windows Defender Offline Scan often, because most experienced malicious coder / hacker deviants know how to hide their BS in places that are hard to clean.


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