Free WiFi: Is "Borrowing" Your Neighbors WiFi Wrong?

By MoneyBlueBook

Are you a wireless bandit? I was - back when I was just a poor cash-strapped student during my graduate school days. I know many of you out there have "borrowed" your neighbor's Wi-Fi (wireless fidelity) internet signal before to save a few bucks. Maybe you just moved into your new apartment or house and haven't had time to set up DSL or cable internet yet. So what's your take on the moral and legal implications of using someone else's wireless connection? Fortunately I am a working adult now with my own broadband connection so I don't have to face this dilemma anymore. But is the practice of tapping into your neighbor's Wi-Fi connection from the confines of your own home wrong? Is it some type of piracy or wireless theft, or is it merely receiving a free benefit that has either been knowingly or neglectfully dumped into the public domain?

I Don't Have A Moral Problem With Accessing Someone Else's Publicly Available and Unsecured Wireless Signal

Currently I have my own broadband service through my internet provider, Comcast. Thus I have no regular need to piggy back on someone else's wireless signal, although I can see when the emergency occasion may arise, particularly if my internet connection ever went down. Rather than driving to the local library to use one of their free public computers, I may just find it more convenient to search for stray unsecured signals and temporarily utilize one. Besides, I wouldn't even know how to go about tracking down the location

By MoneyBlueBook

If there's one group of zealots you never want to upset, it's the eBay sellers. Ever since eBay announced several key changes to its pricing and feedback policies over a week ago, eBay sellers have been flipping out and storming the discussion forums to express their outrage over the impending doom and gloom. A great number of them have become so upset that they've banded together to plot a futile boycott of eBay's auction services around the February 20, 2008 launch date to protest the new fee hikes and feedback policy changes.

Here is an overview of the key controversial eBay pricing and system changes that have sparked such emotional reactions as well as my own thoughts on the matter. You can view the actual eBay price structure changes (here).

1) Listing Prices Will Be Reduced But Final Value Fees Will Be Increased
The new eBay pricing changes will cause up front listing costs such as Insertion Fees and Fixed Price Listings to be reduced. This upfront listing fee reduction is to encourage more listings since eBay auctions have been stagnant for years now as auction interest has waned. Although it used to come at a small cost, eBay now plans to make Gallery picture listing free - a nice free addition that will save a few cents and dollars for some, but it's basically a trivial bonus. It's nothing that will greatly benefit eBay sellers, but with the way eBay has been cleverly marketing the changes by

By MoneyBlueBook

For the last few weeks I've been receiving incessant phone calls several times daily from some unknown toll free number - specifically 1-800-261-1646. Because I have a habit of screening my calls and not picking up my cell phone if I don't recognize the caller ID, the missed calls kept coming in. The unknown calls were perplexing because I recalled signing up my number for the National Do Not Call List. Eventually I gave up and chose to call the number back to see what was up.

The Verizon Wireless Sales Pitch - May We Bind You To A New Multi Year Contract With Just A Few Freebie Offers?

When I called the number, at first there was dead air and I wondered if I had called a scam number, but then a voice over the phone introduced himself thanking me for my interest in Verizon Wireless and requested my cell phone number. I was a bit suspicious but since my cell phone was indeed serviced through Verizon Wireless and I figured my cell phone number wasn't really confidential information, I gave him my information. If he had inquired about the last 4 digits of my social security number I might not have readily given him the number, since I was still a bit suspicious at that point. But with my phone number information, he immediately ascertained my name so I figured he was at least somewhat legit.

Immediately he launched into a sales pitch to get me to sign up for a new binding multi year

By MoneyBlueBook

Note: If you wish to understand more about the the 2008 Economic Stimulus Package, please read my entry regarding the tax stimulus rebate payments. I have also updated the subject with an entry discussing the possibilities of a 2009 economic stimulus check as well.

In response to the dramatic drag on the economy caused by the developing housing crisis and mortgage meltdown, the federal government has finally stopped dragging its knuckles on the ground and sprung to action - proposing to send taxpayers rebate checks in an effort to jump start the economy. Under the current bipartisan proposal, most taxpayers would be eligible, with $600 checks going towards individuals who pay taxes, $1,200 going towards working couples with an additional $300 for each children, and even $300 going towards anyone who earned a paycheck even if they made too little to pay income taxes. Many details in the package have yet to be hammered out including the business stimulus portion that provides additional tax breaks for businesses that purchase capital equipment as well as the housing assistance portion that helps riskier borrowers, who have been shut out of the tanking subprime mortgage market, qualify for Federal Housing Administration (FHA) loans.

The current tentative proposal still needs to be be rammed through the House of Representatives, the Senate, and ultimately approved by the President to be made official, but so far the likelihood of it happening looks very promising. There is great congressional and presidential pressure to speed this through the system and

By MoneyBlueBook

Back in the day, when you wanted to listen to music, you either had to listen to the song off the radio, or you had to visit your nearby record store to buy the artist's compact disc. Each CD usually went for $12-18 depending on the album's popularity and you had to store your music CD collection in a plastic shelf case. As your CD collection grew you usually had to buy more cumbersome storage. Because the CD surface was itself easy scratched, you always had to take great care when handling the discs to minimize damage.

Everything all changed during my last few years of high school when the internet arrived to the scene. At first it was only seen as a novelty and used by a handful of people, but gradually the mainstream began to adopt it, recognizing its information potential. The technology started out slow, bumbling along at 56k modem speed on the average home computer. Faster broadband technology was out of the question at the time due to the prohibitive cost. But when I entered college and became introduced to T-1 broadband technology, I knew the age of file sharing had arrived. By then music sharing had become full blown as every campus student had ready access to super fast download technology at their fingertips from on-campus computer labs to broadband enabled dorm room connections.

What Is Online Music File Sharing and How Did It Start?

Napster was the first and biggest free centralized peer-to-peer (p2p) file sharing program during my early college

By MoneyBlueBook

Due to my desire to go completely paperless and to streamline my finances, I eliminated paper billing from my life at the start of last year. Of course there are still a few pesky old fashioned companies that insist on sending me paper bills through snail mail, but the vast majority have complied and converted my monthly statements into E-billing. I've also taken it one step further by setting up and activating automatic online debit payments for all of my bank, credit card, and home utility accounts. Since I switched to online billing and automatic debit payments, it's been much easier for me to manage my finances. My primary Citibank checking account is now linked up with all of the paid services that I use, allowing me to easily pay home utility bills and credit cards at the touch of a mouse click. I view my account balances from one convenient page using an online account consolidator program like Fidelity Full View, which is powered by Yodlee. Most services provide the automatic debit option for free, as they should, since it allows companies to save money on payment handling expenses.

Your Payments May Be On Autopilot, But Don't Lose Track Of Recurring Charges

The convenience of automatic paperless bill pay is not without its hazards and pitfalls as I soon learned. Automatic bill pay is extremely easy to set up but it can be tricky to maintain. I'll tell you why. Yes, you no longer have to deal with tracking credit card due dates and