TJ's Blog

Posted by TJ on Thursday August 7, 2008 @ 10:10 PM
[Tags: deals, internet, health]

Like alot of people I don't have dental insurance. My office is too small for it to be worth the cost for my boss. Dental insurance is a huge expense and could cost $1,000's.

What can you do if you don't have dental insurance?
Bargain with your dentist.

There are dental plans available which essentially say that you will go to a specific dentist if they offer you discounted rates. This helps you because you are not stuck paying huge rates and helps the dentist because the gain referrals.

How much?
I am single and pay $115/ year for my dental plan. There are family plans available for $45 or so dollars extra. That means you can sign up your whole family for less than $160.

How much do I save?
You save about 50% on semi-annual checkups upto 30%-50% on all other expenses.

How does it work?
You will receive an ID card. Show that ID card to your participating dentist and the dentist will automatically apply the discounted rates to your bills. You do not need to wait for reimbursements you are billed the discounted rates..

How long do I need to wait to use it?
You can start to use your plan immediately after activation (1-3 business days).

Sample Plan Savings for Careington:
Procedure DescriptionUsual FeeDiscounted Fee (for Plan Members)Member Savings
Routine 6 Month Check-Up$43$16$27
In Depth Check-Up$69$20$49
Full Mouth X-Rays$114$50$64
Four Bitewing X-Rays$55$25$30
Panoramic Film$97$50$47
Adult Teeth Cleaning$83$36$47
Child Teeth Cleaning$62$31$31
Protective Sealant / Tooth$46$24$22
1 Surface White Filling for U or L Front Tooth$135$64$71
Single Crown - Porcelain on High Noble Metal$981$561$420
Single Crown - Porcelain on Noble Metal$912$545$367
Core Build-Up With Pins$238$117$121
Root Canal Treatment - Front Tooth$636$320$316
Root Canal Treatment - Bicuspid$757$384$373
Root Canal Treatment - Molar$919$487$432
Perio Scaling and Root Planing (Per Quadrant)$217$111$106
Full Upper Denture$1,353$722$631
Tooth Replacement Part of Permanent Bridge$91120%20%
Single Tooth Removal - Simple Extraction$138$64$74

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view plan details, savings information and participating dentists for all available discount dental plans in your area.


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Posted by TJ on Wednesday August 6, 2008 @ 04:55 PM
[Tags: politics, thoughts, internet]

It has been reported that John McCain reads his emails everyday. However, how he reads them is his staff prints them out on paper then hand them too him. McCain is just computer illiterate as George Bush who was amazed by cash registers. He does kinda seem like that type. He seems like the guy who likes to reminisce about the good ole days. Perfect for a US president... lets Nuke them like we use to...

Posted by TJ on Wednesday July 23, 2008 @ 12:25 PM
[Tags: automobile, links, guide]

I am not currently in the market for a new car but if you are, here are two important websites you should checkout: Compare the miles per gallon and annual fuel cost between models before making your decision which model you buy.

Edmunds This has everything from reviews to price quotes. I suggest you get a price quote for the model your interested in and bring this to dealer with you as it could be used in negotiations. Also determine the value of your used car before you trade it in.

Posted by TJ on Friday July 18, 2008 @ 10:42 AM
[Tags: tjshome, links, internet]

I checked Google webmaster tools and it let me know that I have 2 subscribers to my blog.

The good news is Google only counts subscribers using its rss readers (ie: Google reader and The bad news is I know who the two subscribers are... me and my brother, haha.

I submitted my blog to RSS Hugger, a site I find other interesting blogs at to see if that increases my blog's visibility and I will update you on any results.

Posted by TJ on Friday July 18, 2008 @ 09:57 AM
[Tags: list, internet, links]

Here are are the best firefox extensions for the techy. If you don't yet have firefox or don't know what it is then you are probably not a techy.


Posted by TJ on Wednesday July 16, 2008 @ 12:01 PM
[Tags: news, tjshome, internet]

TJShome is not by far a new concept to America. Research into national newspaper archives show that "tjshome" appeared in american culture as early as March 23, 1938.

Source: Newark Advocate, March 23, 1938

Or is this just another example of the still imperfected OCR (Optical character recognition) technology? ... Maybe...

Posted by TJ on Wednesday July 16, 2008 @ 10:01 AM
[Tags: economy, internet, thoughts]

Who will benefit from the falling economy and fears of recession?

Internet advertisers, thats who. Gas prices have increased dramatically and so has all prices in general which have led to some people skipping their vacations, trips to shopping malls, leisure activities to spend more time at home. What do people do at home? Browse the internet. And there's only so much someone can do online before they will click an advertisement, even if they have a strict no click policy against advertisements.

Now some may also argue that this increase in internet users will be washed away by others who cancel their internet because of the economy. Don't kid yourself... it's impossible to live without internet in this day and age...right?

Apparantently internet auction websites benefit as well. eBay's profit increased 22% in the last quarter. I guess everybody is buying is used gas on there or something. What ever happened to the purported boycott of eBay to due the site's change in fees and feedback policy??

Source: EBay profit jumps 22%
Source: EBay seller boycott set to start Monday

Posted by TJ on Friday July 11, 2008 @ 02:25 PM
[Tags: guide, humor, bored]

Is your son a tagger? I saw this while doing a Google Image Search. It comes from the website of the City of Santa Ana, California.
User submitted image

This is not only ridiculous because all of these points are obvious. If my child had any of these things it would lead to ask him "what the heck are you doing with that?


Posted by TJ on Friday July 11, 2008 @ 10:50 AM
[Tags: personal, house]

Okay this domain never was more relevant as I am in process of purchasing my own home, a 2 bed 1.5 bath Condo in Mt Kisco. I am set to close any where between 7/31 and 8/15. Here's a first sneak peak of my new home, let's call it TJSHOME.

User submitted image

Posted by TJ on Monday July 7, 2008 @ 03:56 PM
[Tags: personal, accounting, house]

My whole life I've never was in debt. Living paycheck to paycheck just wasnt my style. I've never carried a balance on my credit card. I did use student loans while in college but only to take advantage of the low interest rates and was sure to pay them off within 6 months of graduating.

Now I did make some concessions to avoid debt for 27 years:
  • I went to Community college,
  • I started out with a crappy car once I got my license even though I had 30k available to me. In fact the car couldn't even go more than 3 miles or else it overheated
  • I got a job as soon as some one would hire me at age of 16 and even had two part time jobs for most of the time while still juggling high school and college.
  • I was had to endure my friends and family calling me the cheap one because I never spent wads on toys or electronics..oh the pain.
Well now I enter the debt zone in a couple months with my first house. The 30 fixed mortgage is sure to put me in debt for along time. And the state of the economy and the housing market doesn't help ease anything. I will still not be living paycheck to paycheck as I made sure to keep more than 3 months emergency fund (on top of money for closing costs and furnishings), however, I think that I am going to make it my sole objective to pay off the mortgage in as little time as realistically possible. Now looking at my savings over the last month I could have possibly afforded a 15 year mortage, or $753/month more in mortgage payments. This of course leaves little room for unforseen circumstances and wouldnt be that smart of financial plan. But I think what I am going to do is save my money at the same pace I always have been and once I saved enough to make an extra payment I will (for instance make two payments in one month) and if I average at least 6 extra payments a year I would not only be financially free in half the time but save my self ~200k in interest. During my loan prequalification I made sure to clear up that two things were available with my loan online payments and no prepayment penalties to make paying off early easier.

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