Money Matters

Saturday, November 11, 2006

According to DealUniveristy, you can get a free PUR On the Go water bottle by filling out a very short form, including your name, address, email address, month and year of birth, and three multi-selection questions. I just filled out the form and it seems the bottle is still available. The whole process takes about 2 minutes and it says at the end that the bottle will be delivered in 4 to 6 weeks.

For this kind of free stuff, I always print out the confirmation page in PDF format for a record.


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Friday, November 03, 2006

Money-Making Idea: Blogging

Ever since I started blogging, like many fellow bloggers out there, the idea of monetization is always with me. Having tried many different ways (such as AdSense, Text Link, Ontok, PayPerPost, and YPN) to generate some side income while blogging, I found that by far the most successful one is with PayPerPost. No hassle, easy to deal with, and on-time payment. Best of all, there are dozens of opportunities every day, so you can easily find one that fits the general contents of your blog.

To start making money, go to PayPerPost and use my email address in the referral field when signing up. Once approved, you can use their referral program to refer your readers to sign up with your own email address.


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$10 off $30 Promotion Extended

Got an email from yesterday, saying that the $10 off with an order of $30 or more and Google Checkout has been extended till November 6th.

Here's the 1GB flash drive that you can get for almost free. List price $30.95, price after rebate $15.95, price after Google Checkout $5.95. If you register your Citi card with Google Checkout, you can get another $5 statement credit from Citi. All these combined together will make the cost of a 1GB flash drive at only 95 cents!


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Friday, October 27, 2006

Mortgage Refinance Made Easy

Three years ago, when we bought our currently, we chose a 5-year ARM over fixed rate. The mainly reason was a favorable rate the ARM offered: a percentage point lower than 30-year fixed rate. At that time 5-year seemed far away and interest rates could only go lower. We were wrong on both.

With a little more than one year left on our ARM and interest rates headed nowhere but north, we started to think of refinancing our current mortgage and locking in a good rate before the high rate knicks in. During the research, one of our favorite places to get comprehensive information on mortgages, mortgage refinancing, and mortgage loan is Personal Home Loan & Mortgage, where I can get a instant rate quote, locate a broker in my area, calculate monthly payment for types of mortgages, fill out a quick application, and find useful discussion in their forums. Best of all, the information I provid is protected by SecureTrust which guarantees compliance with FTC regulations.

Personal Home Loan & Mortgage really makes my refinancing process easy.


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Saturday, October 21, 2006

Free Trade And Dividend Reinvestment From Zecco

It seems that Zecco not only offers free equity trade for an account with a balance of $2500 or more, but they also have free dividend reinvestment. The following is from Zecco's FAQ section:

Does Zecco Trading allow account holders to automatically reinvest dividends for equities and exchange traded funds?
Yes, dividend reinvestment is a feature that is available to our clients and can be setup during the account opening process. If you would like to add this feature after the account opening process is complete, you must submit the request in writing to our customer service department.

Anyway, now we can be assured that they do offer dividend reinvestment. And the best way to use this service is setting it up when getting a new account.

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Wednesday, October 18, 2006

Vimo Makes Shopping For Healthcare And Health Insurance Easy

As we entered the last quarter of 2006, many of us will soon face the deadline of renewing the healthcare plan. I am not sure about you, but every year at this time, I had to spend days to go through all the paperwork to find the right plan and right doctor for my entire family, as my employer kept changing healthcare provider almost every year. This years, however, things could be a little easier, not because I get a straightforward plan, but a website Vimo that makes healthcare buying a simple and pleasant experience. At Vimo, I can compare a wide range of health care plans, get fees and ratings for different Health Savings Account providers, search for doctors and dentists in my area, and, best of all, see what other people said about a doctor before making my selection.

If you ever feel confused by your healthcare and health insurance choices, be sure to check out for a second opinion.


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Virus Found In iPod

Reuters reported today that a small number of Apple's iPods shipped last month may carry computer virus:

since September 12, less than 1 percent of Video iPods -- pocket-sized devices that can play music files and video clips - left its contract manufacturer carrying the virus RavMonE.exe, which affects computers running Microsoft Corp.'s Windows operating system.

For more information, check Apple's tenical support website.


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Thursday, October 12, 2006

For Every Successful Website, There's A Reliable Server

So you got your own website, whether it's your online store or simply a weblog. You work hard to build your content to attact visitors. And you are happy to see tens of thousands visitors coming to your site everyday. Then all of the suddent, it seems taking forever to load your webpage and, sometimes, you can't even log in to update your site.

What happened?

Apparently, your server failed you and can't handle the traffic any more!

The solution to your problem is a new technology from called "clustered failover hosting" developed by Hosting Zoom. This revolutionary hosting technology distribute traffic among multiple servers to reduce network down time. For more information about Hosting Zoom and their services, go to and see how they can help you build a reliable, high performance website.


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Free iPod Nano From Bank Of America

n addition to the 1GB Nano, Bank of America has a credit card offer that also include
  • $50 Statement Credit after qualifying transaction(s)
  • 0% balance transfer for one year

To receive the free iPod, you have to

use your new account within 90 days of the date the account is opened by Bank of America to make any combination of purchase or cash advance transactions (includes balance transfers) totaling at least $2,000.



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Get Your Website In 48 Hours

Yes, in 48 hours, you could have your own website up and running!

For people who have brilliant ideas that they want to market but with limited knowledge about internet, building their own websites pose huge challenges. Often times, the dream of owning their own online business was put off because of the seemingly unsurpassable obstacle of website design.

Now, help is on the way. is a website that can help you realize your dream. Specializing in website design, marketing, consultation services, guarantees your own website in 48 hours, or you get full refund. With as little as $99, you can have a website with up to four pages, five email accounts, 100 Megabytes of Hosting, 300 Megabytes of Bandwidth, and website traffic monitoring system.

Don't let website design stands on the way of owning your website. Go to and get it done in two days!


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Wednesday, October 11, 2006

30 Free Trades per Month from BoA

Bank of America is now offering $0 equity trade for customers with $25,000 or more in all asset across BoA deposit accounts, including checking, savings, and CDs.

Offer available with an individual or joint Banc of America Investment Services, Inc. (BAI) Self-Directed Brokerage account. If you have a combined total of $25,000 or more in your deposit accounts at Bank of America N.A., BAI waives its commission fee for as many as 30 online equity trades each month. When you make an online equity trade, BAI determines whether you meet the balance requirement to qualify that trade for the commission fee waiver. BAI adds the average collected balances in your checking and savings accounts as of the prior month to the balances in your CD and FDIC-insured IRA accounts as of the prior business day. If this calculation reflects a combined total of less than $25,000, BAI then makes a second calculation to see if the trade qualifies by adding the balances in your checking, savings, CD and FDIC-insured IRA accounts as of the prior business day. Offer applies only to online equity trades, including stock and exchange traded fund (ETF) trades. Standard commission fees apply when the balance requirement is not met, or when you exceed 30 qualifying trades.

While a minimum opening balance of $10,000 can earn 5.00% APY for a 7-month CD, the rate for money market savings account is only 2.40% APY for a balance of $25,000, which is quite low. 

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