Easiest English Dictionary Ever

The Visual Dictionary is designed to help you find the right word at a glance. This dictionary is filled with stunning illustrations labeled with accurate terminology in up to six languages, it is the ideal language-learning and vocabulary dictionary for use at school, at home or at work.
If you are new in USA and your english is not very best this dictionary can be priceless for you...

Innovative map-based real estate search

HotPads.com is new and innovative map-based real estate search which can help you to find your new home. Using this site you can create listings for free, you can use map search, text search, you can save your searches, view heat maps, use rss feeds, and many other useful things...
If you are looking for real esate for rent or to buy or sell this is right place for you.

Find and share professional documents

You can use this site to find and share professional documents. This site is actually a user generated community for sharing professional documents. Here you can find various high quality legal, business, technology, educational, and creative documents and download them for free. If you have some documents that you would like to share with world feel free to upload them. You can store your documents in you own personal online folders for anytime, anywhere access.
Here you can find great documents that can help you if you are buying or selling real estate.

Free Home Eppraisals

You can use this tool to easily take the first step to buying, selling, or refinancing a home by providing instant access to property valuations, real estate professionals and additional services. This service is searching over 120 million homes and it can show you estimated value range as well as neighborhood information like schools, lifestyle, employment, local professionals, and more.

Find a real estate with justlisted.com

JustListed.com is a real estate service made by HouseValues, Inc, leading marketing and technology services company for the residential real estate industry. HoseValues, Inc. is founded by a second-generation real estate agent, and now serves real estate agent subscribers throughout the United States.

Here are some of JustListed.com features:

• Connects prospective buyers and local real estate agents


• Help agents build relationships with hundreds of buyers at a time with minimal effort


• Provides coaching and training for every real estate agent

HouseMath Real Estate Analysis

HouseMath.us is great website, that helps you calculate the taxes, rent costs, buying and selling costs, future value of a series of payments and lots of other things related to buying a home. You can find many financial calculators on the Internet but this one is the only one that allows a potential home buyer to do sophisticated financial analysis. All you have to do is to pick a location,
(sp far these are the options: Boston House, Miami Condo, Chicago House,Las Vegas House, Las Vegas Condo, L.A. Condo, L.A. House, New York House, New York Condo, New York Coop, San Francisco House, San Francisco Condo, Seattle Condo, Seattle House, Dallas House), enter pricing and mortgage details, appreciation and return expectations, tax information, closing costs and selling timeframe (for most of this you can just leave default values). After that you can push te Analyse button and see results. You can print this results or export them as PDF.
If you are planing to buy a house don't skip this website.

Free real estate listings at choicea

Choicea.com is website which you can use to list your real estate for free. As they would like to say they are: Alternative to the MLS. Who are they? "...a small group of guys who have spent the past year buried behind pizza boxes and pop cans while building this site..." Their database is intended for the by-owner community.

Zillow free online real estate valuation tool

Zillow.com is an free online real estate valuation tool. This is one of the best real estate tools on the Internet. They have over 70,000,000+ homes in their database. Here you can search for your new home, see prices, post your home for sale or discuss anything with other Zillow users.

HomePriceRecords.com home value finder

HomePriceRecords.com is a free and simple home value calculator service, which is searching publicly available home price records. It is really fast, but it is not showing too much informations

Found a house? Use this tips to make an offer

Try to learn as much as you can about the house and the sellers. They have pets, kids, are they smoker, they love their garden? These are all good questions you can ask them, and all of this should came into play when weyou are putting together your offer.
Do you really like that house? Make an offer if you are sure that you will be happy with that house. Don't use round numbers for your offer. Once you have your offer ready, write a personal letter, don't fax it...

Cyberhomes real estate search

If you are looking for new home, try visiting Cyberhomes.com, you can find a lot of good informations. Cyberhomes is Microsoft Virtual Earth mashup and their database includes more than 100 million property, ownership, sales, and mortgage records, covering more than 85% of the United States population. Every month they are updating more than 575,000 new ownership records.

Coupon codes for thousands of online stores

Retailmenot.com is great website where you can find coupon codes for thousands of online stores. Find a coupon the easy way by entering the web address of an online merchant or a keyword, by selecting product type tags from the menu on the left side. You can enter these codes at the checkout page of participating merchants for instant discounts. Enjoy your savings.
Here is short video tutorial:

Get free car, home, life, health insurance quotes

Kanetix.com is a free online service which can show you auto insurance quotes, property insurance quotes or health insurance quotes. From anywhere on the kanetix site, click on the Quotemaker button, choose the type of insurance you are looking for, enter your ZIP and proceed to complete the online questionnaire.

Increase the value of your home in just few weekends

If you would like to know which home improvement projects will return more value just visit Sweat Equity, and find out if it is going to be kitchen cabinets, tiles, basement, or something else.
After each episode you can see how much will your home value go up with that improvement.

Cheap cardboard moving boxes

U-Haul's box exchange forum can help you to to find plenty of free or cheap cardboard boxes. Just select your region, and see if there is anyone who is giving away free boxes, or maybe selling them.
If you don't find anything on this forum, you can try UsedCardboardBoxes.com or Craigslist

Check your potential neighborhood before you move

RottenNeighbors is Google Maps mashup which can help you to check neighborhood before you move so you don't regret the purchase of your new home. Just enter zip code, and you will see how bad is your potential neighborhood. All data is user driven, so take it with reserve because anyone can contribute to the site with just a couple of clicks.

Manage your money online with mint

Mint.com is new way for you to manage your money online. It is free and it is easy to set up and use. All you have to do is to register anonymously using any valid email address, and then add the log-in information for the online bank, credit union and credit card accounts you want to consolidate in Mint. Mint is connected to over 3,500 US financial institutions. Mint can give you suggestion what to do with your money. For example, if you have $20,000 in a non-interest bank account, Mint might recommend a high interest rate savings account that could give you an extra $900 in interest income over a year.

LIVE Air Traffic Control ATC monitoring of Atlanta Center

In my last post I was writing about airline flight tracker, and after that I found this even more interesting website, on which you can see and hear live monitoring of the Busiest En Route Air Traffic Control Corridor in the world: the Northeast Atlanta Arrival and monitoring of the Atlanta Terminal Approach Control and Atlanta Tower servicing the Atlanta Hartsfield Jackson International Airport, Atlanta Georgia USA.

Airline flight tracker

If you are waiting for someone to pick him up on airport Flight tracker can help you not to waist your time standing and waiting. Just enter an airline name or code or flight number, departure date, click on track number and enjoy...
If you want to check out the Flight Tracker but don't have a flight number, you can try this link.

Get all local real estate listings results

You can use this site to search for real estate. Just select state and type city name and you will get all local real estate listings results.

Farecast.com first airfare prediction website

Farecast.com is the first airfare prediction website. They can answer travel shoppers on the question: buy now or wait? You can see airfare predictions from over 75 U.S. departure cities to top domestic destinations.

They are trying to create the best place to shop for airfare online.

by Vlatko Zdrale

Vayama: international travel ticket search

Vayama.com, launched April 3 2007, is a first-of-its kind travel Web site that gives Americans a whole new world of choice in international air travel. Using the latest in Web technologies, vayama offers a massive selection of airlines, flights and fares, many never previously available online, so you can find the lowest prices and best schedule options for all your international travel. Even though vayama is new, the company was founded by travel experts with decades of experience, and is backed by one of the largest travel organizations in the world. Our extensive background in the travel industry means you are buying from a reliable and trustworthy source. Simply put - if you buy your international travel from vayama, you will save money and find more flight options.

Stockalicious improves your stock portfolio performance.

Stockalicious is a website that hopes to improve your stock portfolio performance.

Did I sell too early?

• Track how your stocks fare after you sold them

Did I beat the market?

• Compare your portfolio performance against the market

Am I always right?

• See how many more times you are right than wrong

When did I buy this stock?

• Keep a history of your trades with our portfolios

Dang! Why did I buy this stock?

• Write down the reasons for your trades with our portfolios

If only my friends knew what a genius trader I am...

• Spam your friends

Err... Did Internet kill subtlety?

• Ok. Embed your portfolio in your blog instead.

The True Cost of Owning a Home

The True Cost of Owning a Home

If you're entertaining thoughts of buying your first home now that the housing market is cooling off and prices are coming down, take note: The cost of home ownership might be a lot more than you think.

Where the money goes

Insurance
Property taxes
Remodeling
Furniture
Appliances
Utilites
House repair and maintenance
Yard care
Pest control
...








source

How to Know When You're Ready to Buy

I found this article which explains how to know when you're ready to buy real estate.
Long story short: You are ready to buy when…
1. You have a budget -- and you know how to use it.
2. You have a sizeable down payment.
3. You have a reliable source of income.
4. You have an emergency savings fund.
5. You have your debts under control.
6. Your credit report is in good shape.
7. You can make a long-term commitment.
8. You are prepared to become your own landlord.

StockFriend investors social network

Founded in February 2006 and headquartered in the San Francisco Bay Area, StockFriend is a new social network for investors sharing and collaborating on investment ideas with friends.

What Is StockFriend?

StockFriend is a new social network for investors that allows you to make predictions about stocks, see others' stock picks, aggregate community opinions, track their performance, and make new friends. By putting together lots of information, from a variety of sources, we hope to provide participants with a way to have fun and learn to make better investment decisions.Stockfriend is for all levels of stock investors. Everyone can share your picks or analysis with friends or track your or others' performance.

With StockFriend, people can:

Share, Rate, pick and virtual trade stocks
Browse other people stock picks, profile, performance and learn how to invest.
Manage your portfolio, participate in discussion.
Find, Join and create groups to connect with people who have similar interests.
Become a specialist analyst.

Member benefits:

Real trading environment (enter trades & watch them fill via our data feeds - the same ones used by the brokerages).
Timely reports on your portfolio's performance to help you evaluate & improve.
Full history of your trades.
Proper calculation of your returns over time to gauge your ability.

The FlippingPad

The Flipping Pad is a website created to help people share and discuss real estate investing.
Why real estate investing? There's no other business that can make you as much money, with as little start-up cost, in as short a time. In fact, more millionaires made their fortunes in real estate than in any other business.

30elm: your address for home design

Home Design Made Easy.

30elm is the premier online home design community. We can help you find interior decorators, home building and renovation professionals whose work & taste you love.

Dream

Discover real life projects from the most talented design professionals.

Plan

Collaborate on home projects with family, friends & designers.

Realize

Find the best design pros in your area to transform your dreams into reality.

Trulia can help you save money on real estate

Trulia is very nice website you can use to search for real estate near you, compare prices, look at graphs, charts of historical prices and more. Simple and easy to use interface can provide you with amazing amount of information.

12 secrets your car insurer won't tell you

Getting a good deal on auto insurance is hard enough. Keeping your premiums from rising? That can feel like playing a game where the rule maker refuses to tell you the rules. I found this list of tips to help you save:

1. If you have good credit, you'll pay less. Tip: If your credit history is shaky, clean it up as soon as you can.
2. Your car model affects your premium. Tip: Search online for the latest top 10 lists on the most expensive cars to insure, and the least.
3. Pay in full to avoid installment fees. Tip: Ask about fees for paying in installments.
4. That Pearl Jam CD in your car isn't covered. Tip: It's wise to take photos or video of any expensive personal items before they go missing.
5. You'll pay for your bad driving. Tip: Ask your company if it has a forgiveness policy and how to qualify.
6. You'll pay for your friend's bad driving, too. Tip: Don't lend out your car.
7. The value of your "totaled" car may surprise you.
8. Check into "diminished value."
9. You may not owe sales tax on your replacement car.
10. Hit by an uninsured motorist? Try to "stack."
11. You can wait to add your teenager to your policy until he or she is licensed.
12. You must officially cancel your insurance policy when you switch insurers.

An English Pronouncing Dictionary with Instant Sound

This site can help people who came to USA without knowledge of english language. You can type some english word and hear its pronounciation.

Pay less for tax: Own your own business

I found this text written by Jeff Schnepper. He is writing: The surest way to reduce your taxes is to convert personal expenditures into allowable deductions. Turn even a hobby into a business and you'll cut your tax bill.

I think that this is realy good advice which can save you a lot of money...

Remeber The Milk: Online to do list and task management

The best way to manage your tasks.
Never forget the milk (or anything else) again.

With this web application you can:

• Manage tasks quickly and easily. An intuitive interface makes managing tasks fun. Set due dates easily with next Friday or in 2 weeks. Extensive keyboard shortcuts make task management quicker than ever.

• Get reminded, anywhere. Receive reminders via email, SMS, and instant messenger (AIM, Gadu-Gadu, Google Talk, ICQ, Jabber, MSN, Skype and Yahoo! are all supported).

• Plan your time. See what's due today and tomorrow, and the things you've missed. Prioritize, estimate your time, and postpone with ease. Set tasks to repeat every week or after 2 months.

• Organize the way you want to. Are you a list lover? Create as many lists as you need. Into tagging? Use the task cloud to easily see what you have to do. Want to store notes along with your tasks? You can do that too.

• Work together to get things done. Share, send and publish tasks and lists with your contacts or the world. Remind your significant other to do their household chores.

• Add tasks wherever you are. Adding tasks is as simple as firing off an email (even from your phone). See an important date on the web? Add it to your list with Quick Add.

• Take your tasks with you. Access your tasks on your web-enabled mobile device. Print your entire list or a handy weekly planner which shows upcoming tasks. View your tasks on your calendar with Apple iCal or Google Calendar. Subscribe to feeds with Atom/RSS.

• Search your tasks the smart way. Find the tasks you want with advanced searching. Save your searches as Smart Lists, and easily see tasks that match your desired criteria.

• Locate your tasks. Use the map to see where your tasks are located in the real world. See what's nearby or on your way, and plan the best way to get things done.

• Enjoy getting organized. The helpful 'undo' feature means you never need to worry about making a mistake. So signup, start playing, and discover Remember The Milk.

Compare prices on line

This is a list of websites that I use to compare prices for anything I want to buy.

• nextag
• shopping.com
• PriceGrabber
• best-price.com
• bizrate
• pricescan
• shopper.cnet
• pcworld price finder

Frucall - Online Comparison Shopping Web site for Mobile Shoppers

Frucall - Online Comparison Shopping Web site for Mobile Shoppers
While shopping out in a store, have you ever wondered:
"How much would I save if I bought this on the Internet?"

Call Frucall to get your answer. Frucall not only reads back the best online prices to you, but it also allows you to buy items directly from online merchants while you're on the phone!

Try it now in 3 simple steps. It's free, easy, and fun!
Call 1-888-DO-FRUCALL (1-888-363-7822)
Enter product barcode
Listen buy, bookmark and more

Once again this are steps:

Step 1:

Dial:
1-888-DO-FRUCALL
on your cell phone, or even a pay phone...

Hint: Save the number in your contact list. It will come in handy every time you are out shopping!



Step 2:

Punch in the product barcode: ISBN, EAN, or the standard 12-digit barcode.

Frucall will search online stores, such as Amazon, for new and used prices.




Step 3:

Listen to the new and used prices, listen to customer ratings, bookmark the item for later reference. You can also purchase the item on your cell phone!

Free WiFi hotspot near you

Yes, you can use Internet for free, just look at following websites and find free wifi hotspots near you.

Jiwire is probably one of the best free wifi hotspot finders out there. You can use its Zone finder to search for hotspots near you.

HotSpotHeaven is also free wifi search engine. You can search USA, Europe, Canada, Australia, Asia, S. America, S. Pacific, and Middle East.

wifinder can also help you to find public access wifi hotspots. You can search USA, Europe, Asia, N. America, S. America, Africa, and Australia or New Zealand.

wififreespot or Wi-Fi-FreeSpot™ Directory is a listing of locations that offer Free Wi-Fi. USA State-by-State listings come first with Europe and other regions of the World listed further down the page.

Free-hotspot.com is place where you can search for WiFi hotspots around the world. You can also search for hotspots by phone.

Hotspotr is a directory that lists all cafés in the US that offer free wireless Internet connection. You can see hotspots list and reviews. Anyone can add hotspot or edit listing.

WiFiMaps is a interactive detailed street-level map of WiFi hotspots. Some functionalities are restricted so you have to create a user account in order to use them. Currently lists only hotspots available in the US.


TechNewsWorld's WiFi Hotspot Locator is a global directory of more than 100,000 locations offering WiFi Internet access in 26 countries.

MSN WiFi Hotspots is a web-based service provided by Microsoft that can help you find free and paid WiFi hotspots in 98 countries. You can use the View on Map feature, which displays on a map powered by Virtual Earth.

WeFi makes it easy for you to find and connect to WiFi networks. With WeFi, each user contributes to the rest of the community by using the client and discovering more networks around. All this is reported to a centralized server and shared seamlessly among all users, resulting in easy connection. With WeFi software you can also map your favorite hotspots, find your friends, share your WiFi with other WeFi members and do many other cool things.

Free USA, Canada & Mexico Road Maps

If you are looking for Free Road Maps and Hundreds of Highway RV Travel Itineraries, this is right place for you. Here you can find following United States Road Map RV Itineraries:

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | District of Columbia | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming

Need some basic legal form

Need some basic legal forms? Try to look at the Internet Legal Research's index of over 2000 free legal forms. You can't substitute this for official legal advice but here you can find forms for:

Business

1. Buying and Selling


2. Borrowing and Lending


3. Business Ventures


4. Credit and Collection


5. Employment


6. Leases and Real Estate


7. Protection of Legal Rights


8. Transfers and Assignments


9. Promulgated Corp. & Business


10. Promulgated Tax Forms

Personal

1. Estate Planning


2. Marital and Family


3. Name Change


4. Power of Attorney


5. Health Care

List of airports offering free wifi access

Many U.S. airports offer free access to the Internet for the traveler who has wireless capabilities (wifi) on their laptop computers. This website provides you with list of airports offering free access.

Find Thrift Shop near you

TheThriftShopper is a one-stop web destination for all your thrift shopping needs. Search for thrift stores in our national thrift store directory, join online thrifting community, and learn more about thrift shopping! Search by zip or city/state over 7000 thrift stores in the United States or rate and review stores.

250 free MS Office templates

You can find 250 free MS Office templates on Dumb Little Mans blog. You can use this templates and half of job is already done before you even get started. There's such a wide variety on this list:

• Address books
• Analysis worksheets
• Advertisements
• Announcements
• Applications
• Banners
• Balance sheets
• Bills of sale
• Binder inserts
• Bookmarks
• Books
• Bylaws, policies, and rules
• Calculators
• Case inserts
• Catalogs
• Charts
• Coupons
• Dividers
• E-mails
• Estimates
• Evaluations
• Forecasts
• Games
• Identification cards
• Instructions
• Itineraries
• Job descriptions
• Journals
• Ledgers
• Logs
• Menus
• Maps
• Name and place cards
• Note cards
• Notes
• OneNote notebooks
• OneNote pages
• OneNote sections
• Outlines
• Paper folding projects
• Papers
• Petitions
• Posters
• Press releases
• Programs
• Proposals
• Quizzes and tests
• Quotes
• Recipes
• Records
• Reply cards
• Scorecards
• Sign-in and sign-up sheets
• Signs
• Stickers
• Surveys
• Tags
• Tickets
• Tournament brackets
• Trackers
• Wills
• With compliments cards
• Other templates

Free printable subway maps

If you are looking for free printable subway maps for city you are visiting (or living in) this is right website for you. Here you can find printable subway maps for all over the world.

All major American cities are covered here, as well as subway systems in Europe, Australia, Africa, and Asia. The maps come in a printable .pdf od .doc form.

Track 30 Day Price Guarantees with this site

Ever buy stuff from stores that offer a price protection guarantee? If they lower their price within a certain amount of time from when you purchased it, they'll refund you the difference. Sounds great... except how often do you remember to the check price again?

Now you don't have to. Let Price Protectr do it for you! It's free. It's easy. It's free and easy money. How often do you get that offer?

Currently they are tracking prices at: Amazon, Best Buy, Circuit City, Costco, Future Shop, Office Max, Target, or any of the other supported stores. Amazon.com, Amazon.ca, Amazon.co.uk, Amazon.de, American Musical Supply, Backcountry.com, BestBuy.com, BestBuy.ca, Bike Nashbar, Circuit City, CompUSA, Cooking.com, Costco, Future Shop, Jenson USA, Office Max, Sears, 6th Avenue Electronics, Staples.com, Staples.ca, or Target.

Get books you want for free

PaperBackSwap is website which allows you to give someone book you don't need anymore and to to receive book you want for free. All you have to pay is the postage (usually $1.59) for books you are sending.

How does this club work?

1. List at least 9 or more books in the system to become an active member and receive 3 free credits to get you started trading. List as many books as possible to be more successful in trading.
2. Browse our online list of books posted by club members, and use your credits to order books.
3. Selected books are delivered right to your mailbox, for free!
4. When other members order books that you’ve listed, you mail them from your mailbox and you pay the postage (usually $1.59).
5. You get one credit (good for one book) for every book you mail when it is received by the club member who requested it.
6. List as many books as you like. The more books you mail to other members, the more credits you'll receive.

You can do same thing with your CDs at swapacd.com
BookMooch is also a community for exchanging used books.

BookMooch lets you give away books you no longer need in exchange for books you really want.

Use Google maps for FREE phone calls

You can use Google maps feature to save money on phone calls. Here is how it works:
Google maps for local business offers free callback function. So if you want to contact some local business store all you have to do is to find it on google maps, and click call link on tooltip. Google will offer you to enter your phone number and connect for free. It is very useful for making restaurant reservations, calling businesses to check on their hours,...

Give or get unwanted items via this website

Use this website to give or get unwanted usable items in your community. Using Gigoit is free, easy, and good for the world. If you have something you don't need anymore add it to Gigot, or if you want something just search Gigot by item or by location...

The 13 Most Overlooked Tax Deductions

I found this text on the 13 most overlooked tax deductions:

• State sales taxes.
• $250 educators expenses.
• College tuition.
• Student loan interest paid by mom and dad.
• Out-of-pocket charitable contributions.
• Moving expense to take first job.
• Military reservists travel expenses.
• Child-care credit.
• Estate tax on income in respect of a decedent.
• State tax you paid last spring.
• Refinancing points.
• Reinvested dividends.
• Jury pay paid to employer.

Read more on this site.

Chicago real-time map of road congestion

The GCM website provides travelers in the corridor area with information to assist them in making efficient transportation choices. The site includes:

• Real-time map of road congestion and construction data
• Construction and closure reports
• Congestion and Travel time reports
• Links to video images available in the corridor
• Links to transportation related sites in the corridor

Differences between Debt and Equity

I found this article that can help you to understand difference between Debt and Equity.

Debt	Equity
Must be repaid or refinanced.	Can usually be kept permanently.
Requires regular interest payments. Company must generate cash flow to pay.	No payment requirements. May receive dividends, but only out of retained earnings.
Collateral assets must usually be available.	No collateral required.
Debt providers are conservative. They cannot share any upside or profits. Therefore, they want to eliminate all possible loss or downside risks.	Equity providers are aggressive. They can accept downside risks because they fully share the upside as well.
Interest payments are tax deductible.	Dividend payments are not tax deductible.
Debt has little or no impact on control of the company.	Equity requires shared control of the company and may impose restrictions.
Debt allows leverage of company profits.	Shareholders share the company profits.

Check what the weather will be for every hour of your trip

Check what the weather will be for every hour of your trip with this site. You can get directions and weather from this site. All you have to do is to enter your start and end address and departure time and you will get complete weather report for your trip, as well as driving directions...
You can set to see weather on every x miles, or every x hours, and you can set your average driving speed. This application can also determine the best time to leave based on current forecasts.

Best coupon codes from expedia.com

Fly from $44+ one-way
Treat yourself to a change of scenery! Fares start at just $44+ one-way for flights to Miami, Orlando, Ft. Lauderdale, and other great U.S. cities.
Book now on Expedia.

• Blackout dates apply
• Travel must begin between March 27–September 19 and end by October 3, 2007
• Book by April 10, 2007

Last-minute flight deals to and from your favorite city

Getting away at the last minute? Get big savings on your flight! See our best deals on last-minute flights to and from top cities. Be sure to check back often—fares change frequently.


Europe on sale! Spring savings in Europe: Up to 20% off hotels
See Europe in full bloom—London, Paris, Rome, and more. Book now on Expedia and save up to 20% on your hotel when you stay 4+ nights, exploring historic cities by day and dining in charming cafés at night. Book by April 11; travel by August 30, 2007.


Last-minute Weekend getaways from only $99, air + 2 nights from $229

Don't miss out on these great hotel deals! Book by April 5 for travel through April 28, 2007.


Mexico’s Pacific Coast: Hotels from $95, air + 5 nights from $518

Get great rates for travel to Mexico’s Pacific Coast. Choose from Los Cabos, Puerto Vallarta, and more. Book by April 26th; travel between March 19th–May 17th, 2007.

Save even more on Frontier airlines!
Fly direct to Los Cabos and enjoy Frontier's low fares from top west coast cities.


Caribbean Spring Sale: Air + 4 nights from $441

Spring in the Caribbean means perfect weather and great deals! Take advantage of special hotel rates and extras—or book air + hotel together and save even more. You can count on Expedia for the best price—it's guaranteed.

• Discounts, free nights, more at hotels
• Great package deals: Save up to 25%
• Book by April 27; travel April 6–June 28, 2007

Use this coupon codes for best vacation offers from Orbitz.com

Save $100 on hotel stays or vacation packages of 5+ nights. Enter promo code: MEGA100.
Make this the best vacation ever. Explore the rainforest. Sail or snorkel in crystal-clear seas. Indulge in the shops. Relax by the shore. Dine by candlelight. Wherever you want to go, whatever you want to do, we've got right mix of hotels and activities for the perfect getaway. Plus, enjoy a $100 instant discount on stays of 5 or more nights.


$100 instant savings when you book a qualifying hotel stay or flight + hotel package to any destination by April 30, 2007.

Save $100 off your next hotel stay or flight + hotel vacation package of 5+ nights with promotion code MEGA100.


Business Travel
Save $35 now, $200 later:
Save $35 on 2+ night hotel or vacation packages (book by May 31, travel Feb.12 - Jun. 30)

Save $200 on 5+ night vacation packages later (book by Jun 1, travel Apr.15 - Dec. 31)
Just enter promo code: BIZ35
[Expires 5/31].

Family Package
Save up to $150 on select family destinations
Save $150 or $100 on 5+ night vacations to select destinations (book by Jul 15, travel Mar.1 - Aug. 31)
Just enter promo codes: SUMMER150 or SUMMER100
[Expires 7/15]

Financial dictionaries

If you are reading text about finances and some word is unknown to you you can try this online financial dictionaries:

• Special Investor dictionary
• American banker online glossary
• CBA online glossary
• Banking Terminology
• Glossary of Economic Terms...

The 2007 rush for H-1B guest worker visas has begun

April 1 marked the start date for technology companies to seek permission from the U.S. government to hire temporary foreign employees under the visa program, which permits up to 65,000 H-1Bs to be issued this year. Exceptions, however, allow that number to be exceeded.
The H-1B program allows foreigners with at least a bachelor's degree in their area of specialty to be employed in the United States for up to six years. They're currently capped at 65,000 visas per year, with an additional 20,000 visas set aside for foreigners with advanced degrees, after peaking at 195,000 between 2001 and 2003.

Source: ZDNet

11 credit report myths

I found this 11 credit report myths that might be useful to everyone:

1. Paying my debts will make my credit report instantly pristine.
2. Credit counseling always destroys my credit score.
3. Canceling credit cards boosts my score.
4. Too many inquiries hurt my score.
5. Checking my own credit report harms my standing.
6. FICO scores are locked in for six months.
7. I don't need to check my credit report if I pay my bills on time.
8. All credit reports are the same.
9. A divorce decree automatically severs joint accounts.
10. Bad news comes off in seven years.
11. I can always pay someone to fix or repair my credit.

For the rest of the text you can go to this site.

List of bankrupt celebrities

History is filled with examples of wealthy people who have squandered their fortunes through poor money management. (Here’s a long list of bankrupt celebrities.)
Maybe you are not celebrity, but you can learn some tricks to improve your money management skills.

Always ask for a business discount

I didn't think that this works often but after this text from anonymous hotel manager I will definitely try it, because the worst that will happen is someone will say no. Most motel and hotels have corporate discounts. Nobody tries very hard to find out how legitimate people's business claims are, and most of us secretly don't care.

I think that this is tip #1 for saving:
WHEN BUYING ANY PRODUCT OR SERVICE, TRY ASKING FOR A DISCOUNT. You've got nothing to lose, and you'll be surprised by how often it works.

Save $20 on weekly Budget rentals

Save $20 on weekly Budget rentals

Spring is here, and whether you zipping through the city or escaping to the shore, you'll be happy to know that Budget is offering $20 off your car rental. Book a compact through luxury vehicle, SUV, or minivan for five days or longer and take off on your winter getaway today!

• Book your car for pick-up by June 27, 2007.
• Offer valid at participating Budget U.S. locations.
• A five-day minimum rental is required.

Travelocity + 4 night Las Vegas Hotel + Flight = $75off

Here's how to save $75 on your Las Vegas vacation:

• Use your MasterCard® card to book a four-night or longer Flight + Hotel trip to Las Vegas by April 30, 2007.


• Enter promotional code VEGAS75 when making your purchase.

Please note that the promotional code must be entered in all caps and is not applicable for Last Minute Packages, or Hotel and Flight booked separately.

Get $20-$100 from Hotels.com on ALL hotel bookings

Here is coupon for $20-$100 Off on ALL Hotel Bookings. This offer valid for stays booked by Apr 30, 2007 for travel through Jun 30, 2007.

Up to $100 rebate
Get $20 with a 3-Night Booking
Get $30 with a 5-Night Booking
Get $50 with a 8-Night Booking
Get $75 with an 10-Night Booking
Get $100 with a 12-Night Booking

Select best mortgage

Looking for loan mortgage for your new home. Maybe this text can help you to find out which one is best for you.
Mortgage lenders offer many features and restrictions that can be added to a variety of mortgage programs, but the following eight mortgage loans are the basic types you will encounter. No single loan is best for all circumstances, but here you'll see what specific loan types work better than others depending on individual circumstances and lifestyles.
This advisor you can find on Bankrate.com.

Get more hotel points with PointMaven

Visit PointMaven.com before you book hotel next time and you might score csome bonus points.
Enter a city (or airport code), and you get a cool map (“PointMap”) of all properties that offer bonus points, aggregated by brand and loyalty program, along with a list of all double/triple/bonus point promotions.

25% off Linens'n'Things Entire Purchase in store coupon

I found this coupon you can use at your local Linens And things store to save 25% off your entire purchase. Bed Bath & Beyond usually accepts competitors coupons too so you might be able to use it there as well. Hurry up it expires: 4/1/2007

Travelocity deals you can't miss

Up to $75 off Last Minute Travel Package Enter this coupon code: SPONTANEOUS75 at checkout to get up to $75 off Last Minute Travel Packages. Click through and click the Last Minute Packages tab for more information - Expires: 7/1/2007

Enter this coupon code: HAWAII100 at checkout to get $100 off your flight and 5 nights hotel stay if you pay with Mastercard - be quick because it expires: 3/31/2007

Free FICO Score with 15-Minute Lesson

You can view your FICO score for free here if you are willing to go through a 15 minute tutorial on credit basics, credit cards, and building your credit, but it appears to be limited to the first 5,000 students:

We’ve arranged with the Fair Isaac Corporation to pick up the tab on the first 5000 students who want to check their credit score. That’s right. It’s absolutely free.

So enter your info below to start. We’ll take you through a 15 minute tutorial on credit basics, credit cards, and building your credit. Once you’ve completed this 15 minute lesson, you’ll receive a free code and a link to MyFICO.com. Once you’re there, drop the code into the discount box and save yourself the $15.95.

What is FICO score?

A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of determining the likelihood that credit users will pay their bills. Fair, Isaac began its pioneering work with credit scoring in the late 1950s and, since then, scoring has become widely accepted by lenders as a reliable means of credit evaluation. A credit score attempts to condense a borrowers credit history into a single number. Fair, Isaac & Co. and the credit bureaus do not reveal how these scores are computed. The Federal Trade Commission has ruled this to be acceptable.

Loan Calculator Plus

Loan*Calculator! Plus 2.6 is an application which includes seven easy-to-use calculators in one program. The program is easy to use. Just start it up, select a calculator and answer the questions by filling in the-blanks. Click on the [CALC] button and you´ll have an instant answer to your question. The results from any calculator can be copied to the clipboard for inclusion in another program including email or printed to any printer.

Additionally, you can run multiple instances of a calculator in order to make fast side-by-side comparisons. We´ve also included an easy uninstall option in the event that you try this program and decide that it is not to your liking. Loan*Calculator! Plus fully supports Windows Add/Remove program feature.

Features:

• Loan calculator
• Compound/Simple Interest & Calendar Math calculator
• Remaining Balance calculator
• Accelerated Payment calculator
• Balloon Payment calculator
• Amortization Schedule (Basic)
• Refinance Advisor

Earn 3 free nights with first purchase on Preferred Guest Credit Card

The new Starwood Preferred Guest® Credit Card is offering 10,000 Starpoints® with first purchase, enough for up to 3 free nights at participating Starwood hotels. This offer incudes:

• Earn 10,000 Starpoints® with your first purchase — enough for up to 3 free nights


• Use Starpoints for free nights and upgrades at over 825 participating Starwood hotels and resorts in 95 countries


• Transfer Starpoints — almost always on a 1:1 basis — to the frequent flyer programs of over 30 major airlines


• Earn one Starpoint for every dollar of eligible spending and double Starpoints at participating Starwood properties and retail outlets


• First year fee-free and only $30 thereafter

Getting rid of student debt

If you are not controling your student debt you will owe some money to someone until retirement.
First thing you have to do is make sure that you are not spending too much. Get yourself a student card and start using a lot of different discounts available to students.
If you alreadey have student debt the first thing that you have to do is see exactly how much money is owed (this can include credit cards, loans and store cards), and to put this in order of priority. For example, if the credit cards are incurring 14% interest, whilst 4% is charged on your loan, then paying off the credit cards should take priority. If you do not have the income to pay off all of the credit cards straight away there are a number of things that can be done:

a) transferring the balance to a 0% credit card;
b) speaking to your bank and asking them for terms to consolidate your credit cards (more then one quote should be obtained)
c) calling other debt consolidation companies and seeing what they can offer

Some students think that they can default on a student loan. Defaulting on a student loan is very difficult. The loan will be automatically written off by the government after 25 years, if not paid (DFES, 2006).

Paying too much for rent? Find out

Rentometer is website which can help you to find out if you are charging too little for rent or paying too much for rent? All you have to do is to enter your rental info.

Free online tax preparing

The Home of FREE x 3 Tax return!
With TaxACT Online Standard (Government authorized e-file provider). FREE for everyone - no restrictions! Easy step by step guidance & free support options.

Free $25 Gift Certificate from Szul

Treat yourself with a free $25 Gift Certificate from Szul. Just enter the information on this site and a Szul Gift Certificate will be emailed to you. Most of their catalog is $50 and up. The certificate is valid for 60 days.

American Express Preferred Rewards Gold Card

The Preferred Rewards Gold Card takes you places. And shows you’ve arrived. Enjoy Gold Card benefits and access while you earn travel rewards fast.

You can earn 10,000 Membership Rewards® bonus points redeemable for rewards after your first purchase with the Card

The Membership Rewards program —a fast, flexible rewards program that lets you redeem travel rewards on over 21 airlines

Gold Card Events—exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide

Global Assist® Hotline and many more benefits included

No pre-set Spending Limit

Broadband Internet Offers

Comcast
Comcast is offering: "Get Comcast high-speed Internet for $19.99 a month for the first 6 months*, Free Motorola Cable Modem and $100 Cash Back exclusively from comcastoffers.com!" Their regular monthly service charge of $42.95 applies thereafter. Offer expires 03/31/2007 so hurry...

Verizon DSL
Verizon DSL's current offer gives up to 768 Kbps broadband for $20/month, new customers get $10/month for the first 3 months. Verizon FIOS gets you up to 5Mbps at $35/month ($30/month for first 6 months).

AT&T
AT&T is offering "Fastest Internet in town for the price!":
Basic DSL $14.99/month (FAST download speeds up to 768 Kbps)
Express DSL $19.99/month (FASTER download speeds up to 1.5 Mbps
Pro DSL $24.99/month (EVEN FASTER download speed up to 3.0 Mbps)
Elite DSL $34.99/month (FASTEST download speeds up to 6.0 Mbps)

Road Runner
Road Runner is offering: "Sign up today and get Road Runner High Speed Online for $29.95* a month for 6 months, free standard installation, and no contract!"

HSBC Checking Account with $25 or $75 bonus

HSBC Bank is offering a $25 or $75 bonus for opening one of two types of checking accounts with them. This two options are:

Interest Checking ($75 bonus)
- To avoid fees, you need to keep $3,000 in combined balances, or simulate direct deposit with an ACH transfer from another bank each month. HSBC Direct balances count toward the $3,000 requirement!

Free Checking ($25 bonus)
- No monthly fees, no minimum balance, no direct deposit requirement
- You do need some sort of checking activity every 3 months, or you’ll be knocked down to Basic Banking checking, which does have fees.

Both offer:
- HSBC Debit MasterCard® Card with PayPassTM
- Free first order of selected wallet-style checks
- Check-writing ability, and thus the ability to link to banks like ING Direct, Emigrant Direct, etc.
- ATM access to money and free Online Billpay
- Possible branch access to people who live near one.
- Instant Transfers between Checking and HSBC Direct accounts, and thus possibly avoid HSBC’s longer transfer times.

Best of all you can even sign up for their online savings account with 6.00% APY before April 30. This offer includes:

• No monthly fees


• No minimum balance requirement


• 6.00% APY* on New Money until April 30.

When you open an account, you

• Only have to put $1 in to start


• Don't have to open a checking account with HSBC


• Will manage your account on hsbcdirect.com instead of at a branch

Manage your account by

• Depositing or withdrawing at any HSBC ATM


• Sending your deposit by mail


• Transferring funds online to and from your other bank accounts

Debt is Slavery

Debt is Slavery: and 9 Other Things I Wish My Dad Had Taught Me About Money is a book you should read if you want answer to question: Do you control your money or does money control you?
Do you ever wake up in the morning and groan, "I don't want to go to work today?" Then you think about all the bills you have to pay, drag yourself out of a warm bed, and go to work anyway.

Would you like to gain control of your finances, get out of debt, and live a financially secure and prosperous life?

This book will show you how!

His main point is that every single “stuff” you bring into your life costs not only the price you paid for it, but also will cost you in many other ways:

• If it were using your credit card for purchasing, you’re paying interest on that stuff (or you are maybe in debt because of that).


• You’re spending time to maintain that stuff.


• You’re possibly spending money to maintain that stuff.


• You may be paying money to get trained how to use the stuff correctly.


• You may even be paying money to be able to use that stuff legally.


• You’re using space in your garage to store that stuff when you’re not using it.


• You’re perhaps paying a self-storage company to store that stuff.


• You’re probably paying a “stress premium” just having that stuff co-habitating with you.


• Lastly, you may have to pay someone to take that stuff away, or spend your time selling it or giving it away, when you can’t stand it anymore!

Take survey and find out your credit score

You can answer questions on Credit Survey site to see your potential credit score range.
The credit survey is for educational purposes only and the score range generated is based solely on the information you provide.

Citibank ultimate savings account + $25 signup bonus

Citibank Direct offers ultimate savings account with 4.65% APY and:

No monthly fees

No minimum balance

No checking required

FDIC insured

+ you can get $25 sign-up bonus. $25 Offer is only available for first-time Citibank deposit account customers, and will be paid only once to any individual. Persons who currently have or at any time have had a deposit account at Citibank (or any of its predecessor banks) are not eligible. To qualify for this offer you must apply for and open a new Ultimate Savings Account by 04/30/2007. $25 will be credited to your Ultimate Savings Account within 90 days from the end of the statement period in which your account was opened. Account must be in good standing at the time of the $25 credit.

You can apply here and you can use this promo code: CS63

AmTrust Direct offers high yield online savings

Founded in 1889, AmTrust, a division of Ohio Savings Bank, stands out as a highly innovative and progressive financial service organization and is offering 5.36% APY e-Money Market Savings with:

No monthly service fee or minimum balance fees

AmTrust has been in business since 1889

Easy online transfers to and from your existing accounts (can link to other bank accounts)

$1000 minimum.

FDIC Insured

Countrywide Bank high yield online savings account

This days you can find many online savings deals but one of the best is Countrywide Banks savingslink account.

Best For	Individuals who want to earn interest rates among the highest in the nation on their savings, and maintain the flexibility to easily transfer money to and from their Checking, Money Market or Investment accounts at other financial institutions.
Benefits	Interest rates among the best in the nation Safe and secure anytime access Schedule one-time or recurring transfers between your SavingsLink account and linked external account Unlimited deposits Conduct up to six withdrawals each month Deposits are insured to the regulatory maximum by FDIC
Interest Rate	Rates among the highest in the nation Variable interest rate with higher rates for higher balance tiers¹ Interest compounded daily
Minimum Balance	Minimum opening deposit is $1,000.

I would recomend you to try this offer, after all you can't get wrong with America's number one home loan lender.

Survive in USA starting

New blog is starting today to help you survive in USA