'HAPPY whatever doesn't offend you'!!! Version II

Welcome to the 2nd annual... Because I like MOST of you, I'm here to give you some knowledge about finance, computers, cars and a few things in between so YOU can have a net worth of $1 MILLION DOLLARS like me! HA!!!!!! KIDDING OR AM I!?!??!!? You decide............. SO YOU KNOW, being this is the 2nd edition, I add links as I think about them throughout the year and they are in RED!
The majority of stuff I am about to give you is FREE and info that I think will help you out! WOO HOO!!!

FINANCE:

• https://www.mint.com/ It's a great way to MANAGE your finances. It downloads all of your bank and loan accounts.
• https://www.creditkarma.com/ https://secure.creditsesame.com/signup1 These give your credit score ###### NOW IT'S NOT YOUR TRUE FICO SCORE BUT IT'S CLOSE AND GIVES YOU A 'BALL PARK' FIGURE!######
• https://www.annualcreditreport.com/cra/index.jsp -It's your RIGHT as an AMERICAN CITIZEN to be able to pull your credit report each year FOR FREE!!!! DO IT and check for errors. The credit reporting agencies are NOTORIOUS for that kind of stuff!
• http://www.clarkhoward.com/ and http://www.daveramsey.com/home/ -THESE two are my 'GO TO GUYS' when I have ANY financial question, WORDS can't describe what I have learned from them!!!!!! They rock like KISS at the Thomas and Mack Center at Las Vegas in 88!!!! I KNOW BECAUSE I WAS THERE AND 'Rock 'N' Rolled All Night and Partied Every Day'!!!!!!
• http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/credit-freeze-and-thaw-guide/nFbL/- THIS is one of the only ways you can protect yourself if your ID is stolen. It's not 'STEEL CLAD' but it's worth doing because if someone that has stolen your I.D tries to apply for more credit then they will get rejected because your 'credit' has been frozen and only YOU have the codes to thaw it....So in conclusion, DON'T believe all the crap companies like LifeLock and others try to sell ya (They work like this, they monitor your credit AFTER it's been stolen! This is the ONLY way to protect yourself!!!! BE PROACTIVE!!!
• https://investor.vanguard.com/ -THIS IS NOT A POLITICAL STATEMENT so settle down! More than likely WE, anyone under 50, will NOT have social security or it will look completely different when it's our time to retire. IT'S SIMPLE MATH!!! Two ways that you can prevent being on the 'Alpo retirement plan' (That is when you can't afford 'people food' and you have to eat dog food to survive). They make it as easy as a prom date to set up an I.R.A and their customer services reps are knowledgeable and NOT a freakin' call center in India! They can also help you set up a 529 plan. Watch out because I am about to get on my soap box!!!!! Being an expert on MY opinion, I think it's YOUR duty as a parent to save for your child's education. You need to start right when you find out you're 'knocked up'!!! Don't be that mom/dad that has to expose your child to student loans because YOU weren't prepared and you have to look your child in the eye and say 'I'm sorry' when they are 23 and have over $30+ in student loans they have to pay back.
• http://www.missingmoney.com/Main/StateSites.cfm, http://unclaimed.org/ Almost ALL 50 states participate in this... Any $ that is owned to YOU has to be given back to YOU! Use these site to find any $ that MIGHT be owed to you and the state HAS to give it to you.

COMPUTER:

• http://free.avg.com/us-en/homepage -This is a FREE anti-virus program for your home computer. It's all you need TRUST ME ON THIS! I have been using it for YEARS and I have had no problems ever!!!
• http://www.openoffice.org/ -So you're all set to pay a lot of $ for Microsoft Office? WELL!!!! This looks a little different BUT is basically the same thing and it's A LOT cheaper then Microsoft Office!!! IT'S FREE FOR THE LOVE OF GOD!
• http://www.iobit.com/advancedsystemcareper.html -This FREE program scans your computer and fixes 'issues' that are making your computer run slow.....

AUTO:

• http://www.recalls.gov/ Don't be that guy/gal that has possible 'issues' with your car because you weren't aware of a recall that was issued by your auto maker months ago! Register your email and they will send you a notice if there is a recall on your car!
• http://www.scangauge.com/products/scangaugee/ Sure it costs money BUT it's worth it!!!! You will recoup it by driving smarter...... I have had it for almost ten years and it ROCKS!!!! It plugs into your OBDII connection ( the computer on your car). KRIPES! It's all they do when you take your car to a mechanic.... They plug in to it to see what's wrong with it.  

MISC:

• http://www.ehow.com/ This site RULES!!! It shows you how to do ANYTHING!!!! KRIPES!! It helped me learn how to freakin tile and I would say it turned out OKIE DOKIE!
• http://www.antennaweb.org/ It's ALL good if you think of me as a NERD, I'm cool with it, but I know about TV and radio stuff (HELLO! I'm a 'TV and radio production' degree holder from ASU, YEAP I went to college, SHOCKER HUH? ALL stations in the USA are mandated by the FCC to broadcast in HDTV! I know the reason they did this but I will spare you that info, all you need to know is that you can get a 'CRAZY' amount of channels (network TV, NOT ESPN and stuff) just with an antenna! ********** AGAIN! NETWORK TV NOT CABLE STATIONS************* BUT don't fret because you can ask Shonteea, co worker, about some reality show and she will give you detailed events of each episode (THANK GOD FOR MY iTouch!).................
• https://twitter.com/, https://www.facebook.com/login.php?next=https%3A%2F%2Fwww.facebook.com%2Fhome.php%3Fsk%3Dapp_2915120374, https://plus.google.com/ Say what you want about social media, TWITTER and 'DA BOOK' aka Facebook, Google+ BUT they are GREAT because of all the info you get from them! PEOPLE! I get all the information I can handle about football and other stuff by 'following' people from current and past players of the Buffalo Bills and news outlets from around the country. KRIPES! I knew Ryan Fitzpatrick (one of MANY Ex-Bills QB) was going to throw an interception because he tweeted that he had a hang nail early in the day. HANG NAIL= INT!!!!! PLUS Famous people will reply to you if you ask them a question! KRIPES! I almost FAINTED when Thurman Thomas 'retweeted' me!!!! MY life was complete at that moment!
• http://www.straighttalk.com/ - One of those contracts that most companies make you sign are SOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO '20th century'. Straight talk is a contract FREE phone service that RULES, been a customer since 2010. Depending on the phone you select, it works off the Verizon, AT&T or the Sprint networks..... I, ANDY McBRIDE, HAVE NEVER HAD 'ISSUES' WITH NOT GETTING OR SENDING A CALL!!
• http://www.myxer.com/ - After you get your new phone, go here to make custom rings instead of PAYING FOR THEM. I made one out of this song for a call that comes from someone that I do not know and each person in my 'contacts' has their own ring tone.
• http://www.startsdownload.com/picasa/ - This is for all of you that are over the age of 60!!!!! This is a free photo editor. So the next time you take pictures of your grandkids and they are sideways or scanning something and NOT cropping it. I think YOU should edit it through this site BEFORE you post and, cause me and others, a kinked neck trying to view it. 
• http://wncgreenblogcollective.wordpress.com/2013/11/27/amys-energy-efficiency-gift-buying-guide/ - I'm not a freakin; 'tree huggin' hippy' even though I look like one with this long hair, BUT I do like saving money and this is a ,במתיקות that's 'SWEET' in Hebrew, link of stuff that will help you save money and possibly 'live off the grid' thus stick it to 'THE MAN'. 

There are other sites but I can't think of them right now but I hoped these helped ya out a little. MERRY CHRISTMAS KIDS and I hope Santa gave you everything you asked for this year.

OH AND ONE MORE THING! I'm just sitting enjoying the fact that my Bills are going to keep the record of NOT making the playoffs for the 14th year!! WOO HOO!!! I have a sweet drink for you to enjoy during the winter months. It consists of Baileys or the knockoff stuff I get at Aldi, hot chocolate, a Keurig (you are a SIMPLETON if you don't have one) a generic K- cups adapter you get at Dollar General.............. Put 2 shots of Baileys in a mug and fill the K-cup with some hot chocolate. run your Keurig. Mix the hot chocolate with the Baileys, AND VOILA!!! After two or three you will feel 'comfortably numb' and enjoying the great holiday season! YOU'RE WELCOME!!!

I finally leave you with another example of the human race being WELLLLLLLLLL HUMANS! We are soooooooooooooooo screwed!!! That money you saved by going out on black Friday can now be used to pay your bail!!! MERRY CHRISTMAS KIDS!!!