3/23/07 Newsletter

"Pic" of the week:


Are you artistic? The U.S. Open Sandcastle Competion will take place this year on July 29, 2007. Top prize in the "Masters Category" will be $5000. See more sandcastle photos at the bottom of this newsletter.

Headline Mortgage News:

U.S. Housing Starts drop 28.6% in February. See this U.S. Census Bureau report:
http://www.census.gov/const/newresconst_200702.pdf

Builder Confidence Declines in March as subprime concerns fester:
http://www.nahb.org/news_details.aspx?newsID=4258&print=false

Are Landlords back in the “driver’s seat”? Realty Times article says maybe so:
http://realtytimes.com/rtcpages/20070323_landlords.htm

Senator Dodd says FED was a “spectator for far too long” and should have seen the “perfect storm” coming in the subprime market – The Standard:
http://www.thestandard.com.hk/news_detail.asp?pp_cat=22&art_id=40780&sid=12796780&con_type=1

“America’s Most Dangerous States” – According to this CNN News article, Nevada is the most dangerous state in America. See this article for the complete list:
http://money.cnn.com/2007/03/22/real_estate/dangerous_states/index.htm?postversion=2007032212

Thought for the Week:

"We are each of us angels with only one wing, ans we can only fly by embracing each other"
Luciano de Crescenzo

Rare photo taken yesterday of a national SubPrime lender

How to keep more of your own paycheck

Best Buy is in some really hot water these days, you might have heard. There are now civil and criminal investigations going into practices at Best Buy, according to the Hartford Courant, which broke the story. It’s being reported that Best Buy had a fake Web site in its stores that was charging much higher prices than those found on the Web site accessed from a home computer. Both sites have the name bestbuy.com, but the in-store site was a bait and switch ploy, according to the Courant. When people came in and asked about the lower price they saw on their computer, they were told that the sale ended yesterday. At the worst, this was a criminal act. At the least, it was an extremely foolish move.

The Government Accountability Office has found out that 401k plans are ripping off workers investing in them by swiping massive fees from you each year. Some of them are taking as much as 5 percent a year off the top. Under law, there is no requirement that you be told what you’re being charged for “maintenance and fees.” So, it’s allowed insurance companies to take advantage of investors. If you own a business, you need to ask point blank exactly what you’re being charged. If you’re an employee and you think your account isn’t increasing as much as it should, you want to ask your human resources department what the fee schedule is. If it turns out that the plan is a rip off, you should consider moving your money into a Roth IRA. The best way for business owner to tell if they are getting taken is if your plan is from either an insurance company or stock brokerage company. You may want to consider setting up with Fidelity and Vanguard, the two biggest 401k administrators in the country. You can’t go wrong with either one, but Vanguard is definitely the least expensive. You should always save for your own retirement.

Citigroup, the country’s biggest credit card issuer, has initiated two customer-friendly initiatives. You may have heard about credit card companies raising rates whenever they want for any reason. It may have even happened to you personally. Credit card terms of service usually include a clause saying the bank can do that anytime. Well, Citigroup, which now goes by Citi, is doing away with that practice. Secondly, the company is no longer going to use what’s called “universal default” to boost your rate. Under a universal default clause, a company can jack up your interest rate significantly if your credit report shows any late payments. That means you could pay your electric bill a few days late and your credit card company increases your rate because that late payment is on your credit report. Citi is eliminating its universal default clause, which is great for the consumer. YAY!

And now, for this week's fun freebies!


No cost after rebate keyboard
http://www.kqzyfj.com/click-441747-10440897?

Free smoke alarms for seniors
http://www.ucan.org/forum/forums/san_diego_freebies/smoke_alarms_for_seniors

Free $5 Calling Card from DialBug.com
http://www.dialbug.com/couponcode.html

No cost after rebate Ipod case/cover/skin
http://www.amazon.com/exec/obidos/ASIN/B000BV7ZPG/freelancebyuc/obidos/ASIN/B000BV7ZPG/freelancebyu

Free sample of BodiHead terapeutic self heating pads
http://www.beyondbodiheat.com/htmls/pre_free_sample_new.asp

And finally, Appraise That!

How much value does this exterior art work add

(or subtract)?

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? Then sign up to be placed on our weekly newsletter distribution list at trinaboice@adelphia.net We'd love to hear from YOU too! We know you like being informed and even entertained a bit in between working all those big deals! See ya next week!

3/14/07 Newsletter

"Pic" of the week:


The mythical “Last Photo I ever Took” contest has sent several photos bouncing around the internet, lately. Most are “photo-shopped”, but this one is actually real. “What happened to the photographer”, you ask? Reuters photographer Desmond Boylan took this shot at the running of the bulls in Pamplona, Spain on July 7, 2002. Apparently he wrapped the camera in bubble wrap with the lens exposed and slid the camera under the barrier. Using a remote control, he snapped two photos as the enraged animal came charging. In case you are wondering, since 1924 13 runners have been killed and hundreds injured during this annual event.
http://www.glennbeck.com/archives/07-11-02.shtml

Headline Mortgage News:

Is the sub-prime “lending crisis” spilling into the broader U.S. economy? In this LA Times article, the comparison is made to a game of Jenga, in which the wooden pieces are being pulled out one by one:
http://www.latimes.com/news/printedition/front/la-fi-subprime14mar14,1,1253577.story?coll=la-headlines-frontpage

“Housing Recovery Likely This Year” according to the ever optimistic NAR:
http://www.realtor.org/press_room/news_releases/2007/forecast_feb307_housing_recovery_likely.html

D.R. Horton has a backlog of 16,694 homes as of Feb 13. CEO says “’07 is going to suck”. – See CNN News article:
http://money.cnn.com/2007/03/07/real_estate/dr_horton.reut/index.htm?postversion=2007030717

The FBI is putting lenders and borrowers on notice – CNN article:
http://money.cnn.com/2007/03/08/real_estate/fbi_mortgage.reut/index.htm?postversion=2007030818

Your next new neighbor may be from Michigan. Businesses “flee the Wolverine State” according to this Wall Street Journal article:
http://www.opinionjournal.com/editorial/feature.html?id=110009763

Is it really that bad out there? This URL takes you to the “Implode-O-Meter”, which chronicles, with gusto, the current hard times for sub-prime lenders:
http://www.lenderimplode.com/

Thought for the Week:

"Patience is also a form of action."
Auguste Rodin


Another one from the "Last Picture I Ever Took" contest
http://www.worth1000.com/

How to keep more of your own paycheck:

The cruise industry is struggling these days. The industry just wants to cover the most basic expenses in what they charge you for the room. That’s because the real money is made once you get on board. Shore excursions, drinking and gambling are just a few of the activities that will cost you much more on a cruise. But, with all the bad press of late, people aren’t cruising. As a result, companies are heavily discounting cabin costs. Ten-night Caribbean cruises are as cheap as $75 a night, according to the Miami Herald. Ocean-view rooms are minimally more for ten-day and weeklong cruises. So, if you’ve never been on a cruise, this could be your chance. If you’ve never gone on a cruise and have minimal knowledge of the industry, you may want to pay a bit more and sit down with a cruise travel agent. If you’ve been before, have at it. To hear the good, bad and ugly about different cruise lines go to cruisecritic.com. To book travel and save money check out www.trinastravel.globaltravel.com

There is a new website ( www.CustomerServiceArmy.com) whose mission is to stop the advance of bad customer service. Anyone can “enlist and fight” to improve the customer experience. Customers can go to the website to write reviews about their customer service experience for any business, organization or government agency within the United States whether it was in person, over the phone, or online. Businesses can also use the website to measure their real-time customer satisfaction for free. Currently, there are 1,173 "soldiers" on active duty. Yay!

And now, the fun freebies! (This week, it's all about your pets)

Free Desktop Kitty from Meow Mix:
http://www.meowmix.com/getfunstuff/meowpal.asp

Free Doggie Bag Belt Clip:
http://www.noworms.com/giveaway_form/index.cfm

Free sampl of wagging dog treats:
http://www.waggingd.com/frill%20sample%20form%201.htm

Free sample of Yappy dog treats:
http://www.yappytreats.com/free_gift.htm

Free feline greenies cat treats sample
http://www.felinegreenies.com/en_us/2k6sampling/feline.asp

Free nature zone reptile snacks:
http://www.naturezonepet.com/samples.html

Benny Bully's dog or cat treat sample:
http://www.bennybullys.com/samples.php

Gourmet cat food sample:
http://petitecuisine.com/~freesample

And finally, Appraise That!

This much photographed home is located in Hellam, Pennsylvania and was built in 1949 by Mahlon M. Haines, a millionaire who owned forty shoe stores in Maryland and Pennsylvania. Framed with wood, then covered with wire lath, it was then coated with cement stucco. It has 3 bedrooms and 2 baths on 5 levels.
http://www.roadsideamerica.com/attract/PAHALshoe.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: www.hotlynk.net
www.highspeedhighstandards.com

Here is the Hellam, PA shoe house again. This 1950's post card is for sale on eBay:
http://cgi.ebay.com/Advertising-Postcard-Haines-Shoe-House-York-PA_W0QQitemZ200083494467QQihZ010QQcategoryZ20232QQcmdZViewItem#ebayphotohosting

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

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/eedhighstandards.com/

2/28/07 Newsletter

"Pic" of the week:

Spoof or art? Ever hear of "cat painting"? There is actually a book about it...
A 1994 coffee table book entitled "Why Cats Paint" has recently been sequeled (2002) with a new book; "Why Paint Cats". If you go to http://www.whypaintcats.com/, you'll see how many people can't distiguish humor from a serious treatise.

Headline Mortgage News:

What is Home Depot's prediction for the residential housing market? – CNN Money article:
http://money.cnn.com/2007/02/28/news/companies/home_depot/index.htm?postversion=2007022808

Freddie Mac shuns the subprime market – CNN Money article:
http://money.cnn.com/2007/02/27/real_estate/freddie_mac.reut/index.htm?postversion=2007022711711

Market Watch (Dow Jones) article – Mortgage applications rise 3.2%
http://www.marketwatch.com/news/story/mortgage-applications-up-32-week-to-week/story.aspx?guid=%7BF0C814CF-D304-47BF-AB8B-85B9F7E999F7%7D

Mortgage Fraud Blog article - Leader of foreclosure bail-out scam pleads guilty
http://www.mortgagefraudblog.com/index.php/weblog/permalink/leader_of_foreclosure_bail_out_scam_pleads_guilty/

Realtors reporting a "year to year" home price slump – CNN Money article:
http://money.cnn.com/2007/02/27/news/economy/homesales/index.htm?postversion=2007022711

Thought for the Week:

“We are evaluated and classified by these four things:
what we do, how we look, what we say, and how we say it.” (Dale Carnegie)

Cat painting on the edge
No cat would sit still for this. This has to be done with Photoshop.

How to keep more of your own paycheck

Buying a vacuum cleaner these days can be confusing and overwhelming with so many brands and models to choose from. Three cheers for Consumer Reports who just made shopping for your next vacuum much easier. And they have good news for us too…the top vacuum out there costs just $150. It’s a Eureka and it’s CR’s “Best Buy.” People will pay up to $400 for a vacuum cleaner, but the affordable Eureka brands are the second most reliable out there. The Boss Smart Vac Ultra 4870 model had the highest rating for cleaning carpet and bare floors. It also got the highest rating for sucking up cat hair. It was one of only three that scored tops in all three categories, and it’s the least expensive at $150. So, what were the worst models? Some of the most expensive ones - $900 to $1,000 – were the least reliable. What about the Dyson, which has gotten so much press? It was in the middle of the pack. For a fairly expensive machine, it got mediocre ratings.

Fun freebies!

"Matt's Monday"; Every time Mat Kenseth wins a race, Arby's will give away free medium Curly Fries on the Monday following the race.
www.rtminc.com/about/news.php?yr=2007&sid=1320

Free 6 month membership to Sears Portrait Studio:
http://www.searsportrait.com/cpi/img.ashx?p=/Resources/cpi/en-US/email/07/0222/v8.htm

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

KOA - free night at participating campgrounds in May::
http://www.koa.com/

And finally, Appraise That!

Nicknamed "Fred & Ginger" after the famous dancers, Fred Astair and Ginger Rogers, these buildings are reported to be located in Prague http://www.strangecosmos.com/content/item/104489.htmlent/item/104489.html

Brought to you by:
BOICE & ASSOCIATES
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? Then check our new Blog at http://www.boicemail.blogspot.com/blogspot.com/ where you can read past newsletters and other cool stuff. We'd love to hear from YOU too! 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.

"I think Cat Painting should be take seriously as an art form."

2/20/07 Newsletter

"Pic" of the week:

Parking garage of the future? This is a 20 story storage facility for newly manufactured cars in Wolfsburg, Germany. Read more about it via this link: http://www.snopes.com/photos/automobiles/parkade.asp

Headline Mortgage News:

Home price trends in your area – This CNN Money article compares value trends in 149 markets
http://money.cnn.com/2007/02/15/real_estate/latest_prices_q4/index.htm?postversion=2007021514

Sticker shock – a list of 8 of the most valuable “homes” in America (according to CNN & Zillow)
http://money.cnn.com/galleries/2007/fortune/0702/gallery.Famous_Zestimates.fortune/index.html
RealtyTrac article – U.S. Foreclosures Increase 19 Percent in January
http://www.realtytrac.com/ContentManagement/pressrelease.aspx?ChannelID=9&ItemID=1907&accnt=64847

Senator says US mortgage lending practices are “Out of Balance”
http://today.reuters.com/news/articleinvesting.aspx?type=bondsNews&storyID=2007-02-07T162840Z_01_N07432719_RTRIDST_0_USA-ECONOMY-MORTGAGE.XML

Inman News: “Builder confidence highest since June ‘06”
http://www.inman.com/inmannews.aspx?ID=62249

MBA Report – Mortgage loan applications up 1.5 % for week ending Jan 9
http://www.mortgagebankers.org/NewsandMedia/PressCenter/48508.htm

Thought for the Week:

“Age is an issue of mind over matter. If you don’t mind, it doesn’t matter.”
Mark Twain

The Four Stages of Life:

How to keep more of your own paycheck

The flu has been going around in our neck of the woods lately, so we wanted to share some health and wellness tips with you this week. Always use good judgment when going online to address medical needs. An interesting web site where you can order your own medical tests instead of paying whatever the doctor or hospital charges is www.directlabs.com/index.php There are a number of prescription programs that will save you money as well. To find the Rx program for your state go to http://www.pparx.org/ Low-income seniors who qualify can get the "Eli Lilly" card and really save on their medications. Call 1-877-RX-LILLY. For a $10 fee, Rxaminer will permit users to enter all current prescriptions and returns a list of available generic or other suggested brands for less money. Go to www.rxaminer.com/consult/index.asp

And now, for this week's fun freebies!

Almost free (with rebate) 2 Kingston USB 2.0 Data Traveler 1GB flash drives
http://www.buy.com/retail/product.asp?sku=204134643&adid=17070&dcaid=17070

Here's a free mouth wash sample:
http://walmart.triaddigital.com/enhancedrendercontent_ektid11366.aspx

Click on here and you'll get a coupon for free veggies from Green Giant:
http://www.bettycrocker.com/Products/Green-Giant/green-giant-offers.htm

Free skincare samples from Chamonix:
http://www.betterskintoday.com/requestsample.htm

Free sample of Palmer's Cocoa butter formula with vitamin E lotion. Go to "Like Some?"
http://skinisfashion.com/


And finally, Appraise That!
Appraisers need to look at a house from "all possible angles".

Brought to you by:
Boice & Associates, Inc. Real Estate Appraisers
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/

2/7/07 Newsletter

"Pic" of the week:

North Korea's wacko dictator Kim Jong Il is promising his starving people a giant bunny in every pot.
The government is studying plans to end its food shortage by breeding gigantic rabbits.
Diplomats from the North Korean Embassy in Berlin have approached big bunny breeder Karl Szmolinsky to help "feed the population," the Washington Post reported yesterday.
Kim, a hard-drinking, Elvis-loving communist, has relied on foreign food aid since natural disasters and mismanagement devastated North Korea's economy in the 1990s and led to a famine estimated to have killed 2 million people.
Szmolinsky has been breeding giant rabbits - some more than 20 pounds - since 1967 http://www.nypost.com/seven/02032007/news/worldnews/let_em_eat_bugs_worldnews_dareh_gregorian.htm

Headline Mortgage News:

Has good weather propped up the housing market? Check out the following clip:
http://player.clipsyndicate.com/player/play_url?url=http://www.clipsyndicate.com/clipsyndicate/play_asx.php?clip_id=292074

"The next threat against the mortgage industry"? MBA urges regulators to avoid invoding "Suitability Standards":
http://www.mortgagenewsdaily.com/252007_Suitablity_Standards.asp

Why is the NAR opposed to "Wal-Mart Bank"?
http://originatortimes.com/content/templates/standard.aspx?articleid=2286&zoneid=5

Best Places to Live - Are these the top 10 "Great American Towns"? (CNN Money.com)
http://money.cnn.com/magazines/moneymag/bplive/2006/index.html

Thought for the Week:

"You cannot do a kindness too soon, for you never know how soon it will be too late." Ralph Waldo Emerson
(February 12-18 is "Random Act of Kindness Week")


How to keep more of your own paycheck

Credit Cards may be signing you up to pay!

Have you heard of "Buyer's Advantage?" Supposedly, it's a marketing program sponsored by certain banks and credit card companies that allows you to get discounts on merchandise. But that is a bunch of hooey. It's really an excuse for companies to remove money from their customer's accounts. Chase and Bank of America are soliciting for Buyer's Advantage and it's one of the worst schemes out there. The banks will send you a $10 check or "account credit" that signs you up for Buyer's Advantage. The problem is that when you sign and cash the check or take the credit, you are agreeing to pay an annual fee of $150 for nothing. The money is usually a small monthly deduction from checking accounts, and people just don't notice it. So, check your statements and if you see something questionable, dispute it right away!

Book lovers save money

I just discovered http://www.booksfree.com/ . They have an entire inventory of mass market paperbacks you can borrow for free by paying a monthly fee for shipping and handling of $6.99, which is less than the cost of one book. They'll ship you two books at a time. When you're done reading both (no due dates, no late fees ), return them in the pre-paid mailer they came in. Automatically you will receive the next two books on your reading list. It's just like Netflix, but for books!

And now, for this week's fun freebies!

http://tinylink.com/?GT68Bo7lQf

Free flash memory card (with rebate) Connect 3D 512MB Secure Digital Card
http://www.buy.com/retail/product.asp?sku=204044458&adid=17653&dcaid=17653

TUMS sample
http://calciuminfo.com/promotions/Sample.aspx

And finally, a new feature in Boice Mail: Appraise That!

A "Whomping Willow" in Asia?

2/1/07 Newsletter

In BOICE MAIL this week...
"Pic" of the week:

TOKYO, Japan (Reuters) -- A species of shark rarely seen alive because its natural habitat is about 2,000 feet under the sea was captured on film by staff at a Japanese marine park this week. http://www.cnn.com/2007/TECH/science/01/24/shark.japan.reut/index.html

Headline Mortgage News:

Mortgage Bankers Association has released its economic forcasts for the next three years. Read a summary here:
http://www.mortgagenewsdaily.com/1182007_Mortgage_Rates.asp

More than 1.2 million foreclosures reported in 2006
http://originatortimes.com/content/templates/standard.aspx?articleid=2274&zoneid=5

Builder confidence continues to improve in January
http://www.nahb.org/news_details.aspx?newsID=3939&print=false

Spammers back from a holiday break
http://news.com.com/2061-10789_3-6150025.html?part=rss&tag=2547-1_3-0-20&subj=newsmmers

Condo prices reveal housing trends (CNN Money.com)
http://money.cnn.com/2007/01/18/real_estate/condo_prices_reveal_trends/index.htm?postversion=2007011813


Thought for the Week:

"Make yourself an honest man, and then you may be sure that there is one rascal less in the world" Thomas Carlyle

How to keep more of your own paycheck

Why extended warranties are a rip

Consumer Reports' latest edition is all about what a waste of money extended warranties are. Every dollar you pay for an extended warranty, you're really only getting about 15 or 20 cents on it. Why is that? First of all, the quality of electronics and appliances is so good these days that the chance of them breaking is miniscule. Secondly, if something does happen, it will probably be after the warranty runs out. In addition, although the products are high quality, they will lose value with each year you own them. And you never want to insure a rapidly decreasing product. Also keep in mind that when you buy an item on a major credit card, you usually extend the manufacturer's warranty by one year. So, extended warranties and service contracts simply aren't worth it.

Jellyfish.com could save you dough

The latest invention to save you money online is called Jellyfish.com. It's a comparison shopping site like the others, but Jellyfish also gives you a direct discount off your purchase. Usually it's about two percent. What you need to remember is that no site will always have the best deal, so you should always shop arround.



And now, for this week's fun freebies!

http://tinylink.com/?GT68Bo7lQf

Free movie from Movie Gallery
http://www.moviegallery.com/coupons/conh49a7.aspx

Brought to you by:

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Roswell, GA 30075
Office# 770-926-5284
Fax# 866-870-0930
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http://www.highspeedhighstandards.com/

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