11/7/07 E-newsletter

In BOICE MAIL this week...

"Pic" of the week:





3-D sidewalk painting: This is one of talented artist, Kurt Wenner’s sidewalk drawings done with colored chalk. Born in Ann Arbor, Michigan, Mr. Wenner did his first commissioned mural at age 16. This one has been dubbed “Dante’s sidewalk”. To learn more, go to http://www.kurtwenner.com/artist.htm





Headline Mortgage News:

WAMU and eAppraiseIT accused of pushing values. New York attorney general files a lawsuit. Same old thing, just bigger players? See this Seattle Times article:
http://seattletimes.nwsource.com/html/businesstechnology/2003989314_wamu02.html

Top 10 “Great American Towns” – According to CNN Money, Fort Collins, Colorado is number one. Find out why and who the other 9 are: http://money.cnn.com/magazines/moneymag/bplive/2006/index.html

A bright side to the housing bubble bust: This LA Times article points out that “lower housing prices could keep businesses from leaving the region because their workers could afford to buy houses”. http://www.latimes.com/news/printedition/opinion/la-op-kotkin4nov04,1,2411436.story?coll=la-news-comment&ctrack=1&cset=true

Will shareholders boot Beazer Homes CEO? The stock is down almost 80% this year and this Forbes article quotes a shareholder advisory group accusing McCarthy of “the most stunning leadership failure in the entire homebuilding industry”. http://www.forbes.com/markets/2007/11/06/beazer-ctw-closer-markets-equity-cx_ra_1106markets47.html

Credit ratings slide for major home builders. S&P pummels the industry according to this Forbes article: http://www.forbes.com/markets/2007/11/02/homebuilders-mihomes-sandp-markets-equity-cx_ra_1102markets36.html?boxes=relstories

IndyMac reports a 203 million dollar quarterly loss. This is a sharp contrast to one year ago when IndyMac posted an 86 million dollar profit. Late payments and reduced investor demand are blamed. Check out this MSNBC article: http://www.msnbc.msn.com/id/21658018/

Greenspan recommends reducing home inventory. “get rid of probably 200,000-300,000 excess units in inventory” he says. Refer to this CNN Money article: http://money.cnn.com/2007/11/06/news/economy/bc.japan.us.greenspan.ap/index.htm?postversion=2007110608


Thought for the Week:

"To be cheerful about 2000, consider only this. Of the 30 major elections that will be held, 16 will be in countries that 25 years ago were dictatorships."
"The World In 2000", published by "The Economist"




Trouble “brewing” for the landlord; this photo was taken in an Ogden, Utah townhouse shortly after the tenant moved out. Other than an apparent strong affinity for Coors Light, this guy was described as an excellent tenant. Believe it or not, this photo was taken after some of the cans had already been removed and the tunnel system for navigating from room to room had been collapsed. It is estimated there were 70,000 empty cans in the home. The tenant had deliberately shut off the water to the townhouse. Why not? He certainly wasn’t dying of thirst!
Source: http://snopes.com/photos/odd/beercans.asp






How to keep more of your own paycheck:

We just sent our oldest son to college and almost had to get a second mortgage just to pay for the text books! A great way to lower those costs is to buy used textbooks online at some of the following sites: CheapestBookPrice.com, AllBookstores.com, Biblio.com, AbeBooks.com, A1Books.com, BookFinder.com, ValoreBooks.com and Textbook411.com are all good sites for this purpose. Amazon is also doing big business selling college text books, and there are some British book websites that offer science textbooks for about 40 percent off the domestic price (even when you factor in the cost of international shipping.) Don't buy your books before class starts. Go the first day and ask your professor if you can buy a prior edition and try to find it used.



And now, for this week's fun freebies!

SURVEY COMPANY THAT SENDS AMPLES AND COUPONS ON A REGULAR BASIS
http://www.vocalpoint.com/p4screener/Page1.aspx

Tylenol - Printable Coupon $5 on off
http://www.tylenol.com/page.jhtml?id=tylenol/news/subpcccoldmed.inc

NO COST HOLIDAY MAILING ADDRESS LABELS
http://www.pva.org/site/Survey?SURVEY_ID=2020&ACTION_REQUIRED=URI_ACTION_USER_REQUESTS&autologin=true

Free burger on your birthday at Red Robin restaurant
http://apps.fishbowl.com/a/redrobin/join/agegate.asp

SURVEY OPPORTUNITY $75 + WEBCAM
http://www.surveywriter.net/in/survey/survey52/food.asp
20/20 Research is recruiting individuals to participate in a 1.5-hour online focus group taking place on Thursday, November 15th. Each participant will be mailed a webcam with set-up instructions for use in the online streaming video discussion group…and can keep the webcam (valued at $50). The $75 honorarium will be mailed at the conclusion of the group discussion


And finally, Appraise That!





This “tree house” is suspended by cables. One of the most unique houses ever, it must be exciting on a windy day. This model is called the “Free Spirit Sphere” and it is rumored to cost between $100,000 and $250,000 if you are interested. It is made from laminated wood and seems a bit “pricy” for a 8 foot wide home with no bathroom. More photos below.
http://www.freespiritspheres.com/index.htm
http://www.inhabitat.com/2005/06/07/bubble-treehouse/#more-152
To see more photos, etc go to http://www.funmansion.com/html/Most-Peculiar-Tree-House.html



Brought to you by:
BOICE APPRAISALS (High Speed, High Standards)
885 Woodstock Road, Suite 430-305
Roswell, GA 30075
Office# 770-926-5284
Fax# 866-870-0930
www.boiceappraisals.com

Love our new "Boice Mail" more than life itself? If you'd like to subscribe or let us know what you think of our e-newsletters each week write to us at tom.boice@gmail.com

Boice Mail Sept 19, 2007

In BOICE MAIL this week...

"Pic" of the week:





Guatemala City sinkhole; In March 2007 this 330 foot deep sinkhole swallowed several homes and caused the evacuation of 1000 people and was blamed for three deaths. According to articles, it emitted foul odors, shook the ground and rushing water could be heard from its depths.
http://www.rxbbx.com/blog/2007/02/24/guatemala-sinkhole/
http://www.ordena.com/digg/sinkhole.html

(See more photos at the end of this newsletter)


Headline Mortgage News:

Builders circle the wagons – Starts & permits drop to 12 year low – According to this article in CNNMoney.com, builders “slam the brakes on new projects”.
http://money.cnn.com/2007/09/19/news/economy/housingstarts/index.htm?postversion=2007091910

Foreclosure filings may exceed 2 million in 2007 according to Realty Trac – Nevada, California and Florida lead the pack. Read about it in this CNNMoney.com article by Les Christie:
http://money.cnn.com/2007/09/17/real_estate/August_foreclosures_way_up/index.htm

Fed cuts interest rate ½ point – Will this stop the bleeding? According to this LATimes.com article, there are winners and losers and it is not clear that housing will revive:
http://www.latimes.com/business/la-fi-rates19sep19,1,655303.story?coll=la-headlines-business

H&R Block announces 575 to be fired at Option One Mortgage (a wholly owned subsidiary). This is in addition to 615 jobs lost last May. For more info, click on this Reuters article in the Washington Post:
http://www.washingtonpost.com/wp-dyn/content/article/2007/09/11/AR2007091101634.html

A housing problem rising faster than foreclosures; The high cost of rent – this AP article found at msnbc.msn.com, states “the number of working family renters paying more than half their income for housing has soared from 1 million to 2.1 million since 1997”.
http://www.msnbc.msn.com/id/20776771/


Thought for the Week:

"Madness is rare in individuals - but in groups, parties, nations, and ages it is the rule."
Friedrich Nietzshe




This photo is an entry from the “Why women live longer than men” photo contest…And this one was 7th place? http://www.gophergas.com/funstuff/womenlivelonger2.


How to keep more of your own paycheck

Metro and Cricket eyeing merger
Metro PCS and Cricket may be getting ready to merge. These companies are like the Southwest Airlines of the cell phone business. They run extra-lean operations and undercut traditional cell phone operators by a handsome margin, passing the savings on to customers. With Metro and Cricket, flat-rate calling usually starts at $30/month for unlimited calling. The only problem is that if you travel, you may or may not be able to use your phone because Metro and Cricket don't have coverage across the country. Metro is now looking at the possibility of buying Cricket's parent company. If this happens, it would create a fifth major player in the telecommunications industry.

And now, for this week's fun freebies!

Free Back-ups: It has been reported that this is a product you can use to make sure you don’t lose those valuable photos, music files and office documents on your PC. Ever heard of a company called Mozy? This company will give you FREE 2 GB of storage. If you want, you can do unlimited data backups for less then $5.00 a month. So, for less then $60 a year, you can store all of your valuable data in a secure place.
This is how it works:
1) Sign-up for an account at this URL: http://www.mozy.com/?ref=3f9a896b&kbid=38254&m=5
2) Download and install a small application.
3) Select the files you want saved.
4) Lastly, this software will copy your data to a secure server at a trustworthy site.
So, if your computer crashes or your child accidentally deleted a file, No Problem. Open the Mozy icon and pull it back to your computer.

Get up to 4 FREE tickets to a live show in your area during the month of October! Free Night of the Theater 2007 sponsors this program to help introduce more people to shows in their communities! To see which theater in your town is giving away free tickets go to www.freenightoftheater.net


And finally, Appraise That!








The “House in the Clouds” is located in Thorpeness, Suffolk County, England. It was built in 1923 to hide the town’s unsightly water tower. The living area was the five stories below the house shaped structure which enclosed the tank. Later, when Thorpeness connected to an alternate public water supply, the tank was dismantled and the additional living area was built out.






Brought to you by:
BOICE APPRAISALS

885 Woodstock Road, Suite 430-305
Roswell, GA 30075
Office# 770-926-5284
Fax# 866-870-0930
order at: www.hotlynk.net
www.highspeedhighstandards.com

9/12/07 Newsletter

In BOICE MAIL this week...

"Pic" of the week:
















A "Raft Dive"? This photo was taken by Ryan Mayer over the Florida Skydiving Center in Lake Wales, Florida. http://www.skydiveradio.com/pics.htm


Headline Mortgage News:

Countrywide tightens its belt – Countrywide to cut 12,000 jobs; expects new mortgages to decline by 25% in 2008. This article about the nations largest lender (60,000 employees) can be found the New York Times:
http://www.nytimes.com/2007/09/08/business/08lend.html

Is the housing slump pushing us toward recession? Maybe not, but odds are rising says John W. Schoen of MSNBC
http://www.msnbc.msn.com/id/20626839/

Portland, Seattle, Texas bucking the trend; booming despite the housing bust says MSNBC's Allison Lin:
http://www.msnbc.msn.com/id/18336819/

John W. Schoen of MSNBC responds to the question: "When will housing prices stop falling?"
http://www.msnbc.msn.com/id/20536640/

Stock analysts watching the housing market
AP article reported in MSNBC News
http://www.msnbc.msn.com/id/20326143/

Thought for the Week:

"The power of accurate observation is commonly called cynicism by those who have not got it."
George Bernard Shaw














I hope she has lots of room to slow down. This photo of a unique mode of travel was found at http://www.hourlylaff.com/pic-that-has-bad-news-written-all-over-it/



How to keep more of your own paycheck

Free e-mail on your old cell phone
What if you have a regular old cell phone that doesn't get e-mail and you want it on your phone without all the extra fees and having to buy a new phone? There is now a service called Teleflip that sends your emails to your regular cell phone for free. You can also send e-mails for free. Make sure you have unlimited text messaging when using this program though because each e-mail is logged as a text. Go to TeleFlip.com and try getting free e-mails on your regular phone.


And now, for this week's fun freebies!

Free Sample Purex Natural Elements Laundry Detergenthttp://tinyurl.com/ywhj36
2 Free Cups Of Soyogurt From Wildwood Foods http://tinyurl.com/2n3nm5Free Sample Of Tasters Choice Coffeehttp://tinyurl.com/lx97h


And finally, Appraise That!






The "Rotor House" by designer Luigi Colani takes space efficient living to a new level. Within this tiny home is a rotating "merry-go-round" divided into 4 quadrants. With your remote control, you can spin this section into your kitchen, bathroom, bedroom, or living room. Hopefully nobody wants to start dinner while you are taking a bath.
http://mocoloco.com/archives/000694.php

Brought to you by:
BOICE APPRAISALS!

885 Woodstock Road, Suite 430-305
Roswell, GA 30075
Office# 770-926-5284
Fax# 866-870-0930
order at: www.hotlynk.net
www.highspeedhighstandards.com

Love our new "Boice Mail" more than life itself? Then sign up to receive it weekly at tom.boice@gmail.com We know you like being informed and even entertained, but if you would like to stop receiving "Boice Mail" just let us know by clicking "reply" and writing "unsubscribe" in the subject line.

6/24/07 Newsletter

In BOICE MAIL this week...

"Pic" of the week:



This picture can be found at various internet sites. I haven’t been able to determine its original source, but it does play with your mind, doesn’t it?
http://refwd.ourmemorybox.com/2005/08/re_fwd_pictures_that_play_with_your_mind_o.html

Headline Mortgage News:

Reuters: Housing starts down, but permits rise:
http://www.usatoday.com/money/economy/housing/2007-06-19-housing-starts_N.htm

Subprime lending “fell off a cliff in the first quarter”. Housingwire article:
http://www.housingwire.com/2007/06/22/survey-subprime-lending-volume-clobbered/

Top foreclosure zip codes; The “F” word (Foreclosure) migrates from Rust Belt to Sun Belt. Read about it in this CNN News article:
http://money.cnn.com/2007/06/18/real_estate/foreclosures_hardest_hit_zips/index.htm?postversion=2007061915

Looking for the positive spin? NAR predicts “Gradual Upturn”:
http://www.realtor.org/press_room/news_releases/2007/home_sales_projected_to_fluctuate.html

“All work and no play” does what? In this RIS Media article, Ty Freyvogle, an outstanding entrepreneur, suggests some ways to balance work and “mental health” time:
http://www.rismedia.com/wp/2007-06-04/six-summer-suggestions-for-entrepreneurs-to-help-balance-work-and-life/


Thought for the Week:

“Respect for ourselves guides our morals; respect for others guides our manners”
Laurence Sterne

If you think you’re too “slow” to play in the big leagues, you’ll like this photo.

How to keep more of your own paycheck

The cheapest gas prices in town. Try the link below. MSN updates this information every night. Just enter your zip code and get a display of the cheapest and most expensive gas stations in the area.
http://autos.msn.com/everyday/gasstations.aspx?zip=&src=Netx

Cheap to free International calls. JaJah and Rebtel are two communications companies that are changing the international communications game. They are both offering cheap to free international calling. You can go to their websites at Jajah.com and Rebtel.com to see exactly how they work. They are easy to use and can save you tons so check them out.


And now, for this week's fun freebies!

Summer movies for the kids

F*R*E*E movies for 9 week on Tuesdays and Wednesdays at 10:00 AM
http://www.uatc.com/freefamilyflicks/index2.jsp
http://www.edwardscinemas.com/freefamilyflicks/index2.jsp

10 weeks of movies for kids on weekday mornings. Tickets for all 10 movies can be purchased in advance for $5 or can be purchased individually at the box office for $1 each. http://www.cinemark.com/summermovieclubhouse/index.htm


And finally, Appraise That!


Ever dreamed of living on a boat?
http://www.roadsideamerica.com/tips/getAttraction.php?tip_AttractionNo==10204
Built in the 1920’s by Miles Kellogg in Encinitas, CA, the SS Moon and SS Encinitas are a couple blocks from the beach. Assisted by his young son who helped every day after school, Mr. Kellogg built these apartments from scrap lumber that was too short for standard ceiling heights. A popular “drive-by” site, these may be the most photographed buildings in this beach town today.

Brought to you by:

885 Woodstock Road, Suite 430-305
Roswell, GA 30075
Office# 770-926-5284
Fax# 866-870-0930
order at: http://www.hotlynk.net/
http://www.highspeedhighstandards.com/

Love our new "Boice Mail" more than life itself? Ask to be added to our weekly distribution list at tom.boice@gmail.com

Trina

In BOICE MAIL this week...

"Pic" of the week:


This image captivated viewers when it began circulating on the Internet in August 2004.
Snopes has been unable to find information about the origins of this picture. www.snopes.com/photo/arts/footprint.asp

Headline Mortgage News:

Where does your state rank in Mortgage Fraud? MARI Releases its “Ninth Periodic Case Report” to the MBA. See this report in the Mortgage Fraud Blog: http://www.mortgagefraudblog.com/index.php/weblog/permalink/maris_ninth_periodic_report/

Florida took the top position, followed by California and Michigan. Georgia, the perennial #1 state in mortgage fraud has slipped to a distant fourth. For a PDF of the 23 page report, click here: http://www.mortgagefraudblog.com/images/uploads/MBA9thCaseRpt.pdf

“The Upside of Subprime” With all the bad news, economist Susan Lee reminds us there’s a good side to subprime lending. American Public Media article: http://marketplace.publicradio.org/shows/2007/05/15/PM200705156.html

Too much inventory – Number of listings continues to rise a the sagging housing market tries to find its footing. CNN Money article looks at what a difference a year makes: http://money.cnn.com/2007/05/16/real_estate/home_inventory_growing/index.htm?postversion=2007051718

Is anyone’s home going up in value? Yes, there are still some markets where prices are expected to rise. This CNN Money articles tells you the top 5 and bottom 5 of our nation’s 100 biggest markets: http://money.cnn.com/galleries/2007/real_estate/0704/gallery.fastest_and_slowest_growers/10.html

Thought for the Week:

“Be kind. Everyone you meet is fighting a hard battle.” John Watson

This is a rare photograph of a Freddie Mac investigator questioning a loan officer on some suspected flip transactions he obtained financing for (see the above link to the MARI "9th Periodic Case Report")

How to keep more of your own paycheck

Years ago my wife created a big spreadsheet for all the grocery stores around town, trying to decide which store was the least expensive. Of course, the price of items changed from week to week, making one store the better deal one week and a different store less expensive the next, depending on sales. One thing she noticed was that some of the best deals to be had consistently were found at the big warehouse clubs. Her favorite is Costco. A study by the Economic Research Service at the U.S. Dept. of Agriculture shows that you save a substantial amount of money shopping at warehouse clubs and Wal-Mart Supercenters. Hey, anywhere you can buy tires and cool whip is quite a store.

The study was done over a five-year period, and, on the same quantity of an item, you will save from 5 to 20 percent. As a result, those stores represent about a third of grocery store spending these days. Costo even pays cash back at the end of the year up to 2% of purchases. Alternatively, regular supermarkets use "high-low" pricing, where some items are extremely cheap and others are marked up significantly. The supermarkets tout the low, sale items in advertisements to lure you in, but they hope you'll buy the higher-priced ones when you're there. The only bad thing about the big clubhouses is you have to be able to resist some of that great stuff and be able to control impulse buying.

And now, for this week's fun freebies!

Coolmax 2.5” USB Hard Drive Enclosure - $0.00 after Rebate
http://www.buy.com/retail/product.asp?sku=204317207&adid=17654&dcaid=17654

Kasperskey Internet Security 6.0 – free after rebate at Buy.com go to: http://www.buy.com/retail/product.asp?sku=202693446&adid=17653&dcaid=17653


We have several birthdays coming up in our family soon and found this great web site that lists all of the restaurants in your area that will give you a free meal or dessert on your birthday. Check out http://tinyurl.com/3po8s

Bluebell Ice Cream company will also give you a free half gallon of ice cream on your birthday by going to www.bluebell.com/Registration.aspx

Free Wedding Songs CD when You Registerhttp://www.theknot.com/may_locations.html

Free One Year Subscription to Marriage Todayhttp://www.marriagetoday.org/site/PageServerpagename=magazine_subscribe

Create a Free Wedding Websitehttp://www.mywedding.com/main/couple_sites.html



And finally, Appraise That!

This is actually a bed and breakfast located on the big island, Hawaii above Waiohinu Village, close to Volcanoes National Park and Kailua and Hilo. Unique architecture, indeed. See the view from this deck in the addtional photo below. http://unusuallife.com/2006/04/02/hawaii-honeymoon-hobbit-house/

Brought to you by:

885 Woodstock Road, Suite 430-305
Roswell, GA 30075
Office# 770-926-5284
Fax# 866-870-0930
order at: http://www.hotlynk.net/
http://www.highspeedhighstandards.com/

Love our new "Boice Mail" more than life itself? Be added to our weekly distribution list by writing to tom.boice@gmail.com. We'd love to hear from YOU!

4/4/07 Newsletter

"Pic" of the week:


According to http://www.funny-potato.com/walking-water.html this is the "3rd man in history to ever walk on water".

Headline Mortgage News:

Law enforcement watching for “Foreclosure Rescue Scams” – Realty Times:
http://realtytimes.com/rtcpages/20070329_highrisk.htm

Real estate professionals and “social networking” technology – Inman News:
http://www.inman.com/inmanstories.aspx?ID=62651

English country home for sale - $138,000,000 – interested?: USA Today/Reuters:
http://www.usatoday.com/money/economy/housing/2007-02-23-pricey-homes_x.htm

New Century Financial Corp files Chapter 11 – 3200 workers to be fired – Fox News:
http://www.foxnews.com/story/0,2933,263291,00.html?sPage=fnc.business/realestate

National survey shows homes lost value during past 1 year – Fox News:
http://www.foxnews.com/story/0,2933,261940,00.html?sPage=fnc.business/realestate

Is there a place for Sub-Prime? Philadelphia Inquirer article warns against over-reacting to the current woes of the industry:
http://originatortimes.com/content/templates/standard.aspx?articleid=2348&zoneid=5

SouthStar Funding gone – Atlanta based company closes its doors – HousingWire:
http://www.housingwire.com/2007/04/02/southstar-funding-goes-under/


Thought for the Week:

"Character is the sum and total of a persoin's choices."
P.B. Fitzwater

How to keep more of your own paycheck

The Easter Bunny wanted us to give you this special gift for Easter…a $10 gift certificate for Ted's Montana Grill, just for being you! Hopefully you have one near you so you can enjoy this!
http://www.tedsmontanagrill.com/tmg_adv_wp.html(also included as an attachment to this Email)

It's gardening season and we found a nice web site that is filled with money-saving ideas for your garden this year. Go to http://www.thriftyfun.com/tf17661597.tip.html597.tip.html
It also has tons of thrifty ideas on pretty much everything else you can think of, so you can bookmark that site in your “I promise I’m going to be more frugal this year” folder.
We also found a quaint magazine about country living that includes tips on gardening, animal-care, simplifying your life, etc and the best thing about it is that you can get a free three year subscription! Check out https://secure.livingthecountrylife.com/bhg/store/checkout/partner/index.jhtml?promoCode=I6055LD12&_requestid=20854

And now, for this week's fun freebies!


A few sweets for the season:

$1.00 coupon for any Wonka Golden Egg product
http://www.verybestkids.com/celebrationcorner/

$1.50 coupon for Hershey's candy
http://www.hersheys.com/easter/

Ashley Cardell: Free Godiva Chocolate Pearls (US & Candada)
http://www.ashleycardell.com/gourmet_chocolate.html

And finally, Appraise That!


In 2003, Stan Pike's plan to add a rounded front stoop to a home he was renovating was rejected by the Avondale Estates Historic Preservation Commission. This wasn't the first time Pike had disagreed with the commission and this time he fought back with paint. Within 2 days the home, in a quiet Atlanta suburb, was lime green with big purple polka dots.
http://boortz.com/nuze/200305/05142003.html
http://www.strangecosmos.com/content/item/9844.html

Brought to you by:
BOICE APPRAISALS
885 Woodstock Road, Suite 430-305
Roswell, GA 30075
Office# 770-926-5284
Fax# 866-870-0930
order at: http://www.hotlynk.net/
http://www.highspeedhighstandards.com/

Love our new "Boice Mail" more than life itself? Just let us know that you'd like to be added to our email newsletter distribution list by writing tom.boice@boice.biz

3/7/07 Newsletter

"Pic" of the week:

The Aquadom in Berlin, world’s largest cylindrical aquarium serves a centerpiece in the Radisson Hotel. It was completed in 2003 at a cost of approximately 12.8 million euros. http://fogonazos.blogspot.com/2007/01/aquadom-worlds-largest-cylindrical.html

Headline Mortgage News:


Worth the risk? Sub-prime experience today – CNN Money article:
http://money.cnn.com/2007/02/28/magazines/fortune/subprime.fortune/index.htm?postversion=2007030117

Has the residential market “hit bottom”? David Lareah thinks so – He is the NAR chief economist:
http://money.cnn.com/2007/03/01/magazines/fortune/nar.fortune/index.htm?postversion=2007030113

More appraisers pressured to inflate values – Kenneth Harney article in The Mercury News
http://www.mercurynews.com/mld/mercurynews/16614845.htm/mld/mercurynews/16614845.htm

Congress making broad use of the term “Predatory Lending”. If a borrower doesn’t make a payment, is it entirely the lenders fault? Bloomberg.com article:
http://www.bloomberg.com/apps/news?pid=newsarchive&sid=aQKw_vL7cuLQ


Survey says…Men and Women are different (in work and life management skills) – See this RISMedia summary of a Day Timers survey:
http://www.rismedia.com/wp/2007-02-28/daytimers-survery-men-and-women-utilize-different-skills-to-achieve-success/

Buy vs Rent…for software? – No more installing; According to this CNET article, in the future, you may just pay for a license, then log on via the Web.
http://news.com.com/Adobe+to+take+Photoshop+online/2100-7345_3-6163015.html?tag=nefd.aof?tag=st.txt.caro

Thought for the Week:

“It is not only what we do, but also what we do not do for which we are accountable.”
MoliFre, 1622-1673, French Playwrite

Real or "PhotoShopped"?
"Walking the dog" has reached a new level.

How to keep more of your own paycheck

Last week we mentioned the vacuum rating done by Consumer Reports. They have just recently published their famous annual auto issue. The issue is considered one of the most reliable and thorough sources when reporting on which cars to buy and not to buy. Surprisingly, the least reliable of all cars this year is Mercedes. It has been moving slowly down the list, and this year the German automaker – with its 36 brands – is dead last. In fact, the report stated that a 10-year old Lexus is more reliable than a new Mercedes. Next to last was Land Rover, preceded by Hummer, Jaguar and Cadillac was fifth from the bottom. So, what are the most reliable brands? The top five are either Toyotas or Hondas. The No. 1 most reliable brand is Toyota, No. 2 is Honda, No. 3 is Scion, No. 4 is Acura and No. 5 is the Lexus. The cars that retain the most value over time are Toyotas and Hondas, so the cost is actually less than what it appears to be.

And now, for this week's fun freebies!

Free set of Gamma Asterisk 16 gauge tennis strings
http://www.asteriskstrings.com/registration.cfm

Optical Gaming Mouse – XG 2000dpi (red) – Free after Rebate
http://www.buy.com/retail/product.asp?sku=203939976&adid=17070&dcaid=17070.asp?sku=203939976&adid=17070&dcaid=17070

Snail Mail Minute Maid Coupon
http://www.jjsnack.com/minutemaid/couponform.asp

FloorPlan 3D v.11 Remodel & Home Design software – Free after rebates
http://www.buy.com/retail/product.asp?sku=202791986&adid=17654&dcaid=17654

Free tire rotation and brake inspection at Big O Tires. Print this coupon:
www.bigo.com/coupons.asp

Ultra Downy Experientials Tahitian Waterfall or April Fresh Sample:
https://ultradowny.offerprocessingcenter.com/

ClipArt&More 3 Million – a collection of photos, fonts, sounds, animations, etc. – Free after rebate
http://www.buy.com/retail/product.asp?sku=202792069&adid=17653&dcaid=17653

And finally, Appraise That!

This home in Tacoma, WA, was listed for $360,000 and its owner calls the design “Constructivist Art”. The neighbors called it an “eye sore” and a county judge declared it to be a danger, ordering it to be repaired or torn down. It has since been demolished. See additional views of this “unique” home below.

http://images.google.com/imgres?imgurl=http://unusuallife.com/wp-content/uploads2006/Hobbithouse.jpg&imgrefurl=http://unusuallife.com/%3Fcat%3D7&h=266&w=370&sz=43&hl=en&start=3&tbnid=AeBt92uauhC-nM:&tbnh=88&tbnw=122&prev=/images%3Fq%3Dweird%2Bhouse%26svnum%3D10%26hl%3Den%26rls%3Dcom.microsoft:en-us%26sa%3DG%3D7&h=266&w=370&sz=43&hl=en&start=3&tbnid=AeBt92uauhC-nM:&tbnh=88&tbnw=122&prev=/images%3Fq%3Dweird%2Bhouse%26svnum%3D10%26hl%3Den%26rls%3Dcom.microsoft:en-us%26sa%3DGcontent/uploads2006/Hobbithouse.jpg&imgrefurl=http://unusuallife.com/%3Fcat%3D7&h=266&w=370&sz=43&hl=en&start=3&tbnid=AeBt92uauhC-nM:&tbnh=88&tbnw=122&prev=/images%3Fq%3Dweird%2Bhouse%26svnum%3D10%26hl%3Den%26rls%3Dcom.microsoft:en-us%26sa%3DG66&w=370&sz=43&hl=en&start=3&tbnid=AeBt92uauhC-nM:&tbnh=88&tbnw=122&prev=/images%3Fq%3Dweird%2Bhouse%26svnum%3D10%26hl%3Den%26rls%3Dcom.microsoft:en-us%26sa%3DG

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