Smart Deal

Newspaper subscription deals- LA times, Wall Street Journal, Washington Post

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Believe it not, newspaper deals were available at such a great rate few years ago, you will get a heart attack if you are market for print edition subscription for newspapers or magazine. Some magazine deals can be still found. Try to find a website that has affiliation with Once you make a purchase, the BizRate will pop up and ask you to fill up a quick survey. Do that. Once you fill up the survey, it will offer great magazine subscription deals like Time magazine for a full year for $2!! You can get many magazines like Sports Illustrated, Travel, Bloomberg, Money, Businessweek etc just for $2 per year. The catch is they auto renew so if you don’t want them to renew, you call and cancel. Or while signing up, use some Visa/Amex gift card so they can’t automatically bill on it later.

Newspaper subscription deals for LA times, Wall Street Journal, Washington Post can be found at: has best current conversion rates and fast service to transfer money to India.

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(Source: Like PayPal, you can fund your transfer with any Credit or Debit card, or from a bank account transfer. For Credit card funded payments, they will charge a higher fee but it is still very low compared to Plus, your credit card issuer may charge such transaction as money advance and you may end up paying some fees to it. So use a debit card or a bank account to lower your transaction fees. However, at the time of transfer, enter the coupon code COMEBACK2014 and your transfer will be free.

The benefits: Your counterpart in India will get money within hours!! Plus their USD-INR rates are very good. Nice website. I loved their service when I tried it yesterday. You can access them and look at current promotions by clicking here.

Also, for a limited time, offers $50 Amazon gift card when you transfer $150 or more.

Time Warner / Comcast Cable Internet rip-off

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Do you have cable internet? Do you own your cable modem or do you lease it from Time Warner or Comcast?
I never paid much attention to this item on my Time Warner Cable Internet but I was shocked when I found out something few days ago!

While shopping at Costco, I saw a new Motorola cable modem SB6141 for around $75! I bought that one and then I checked online on Time Warner website that this modem works with their service. I was happy that in one year, I would cover the cost of the modem. Every month, I have been paying $6 for the modem lease. Not a bad deal, right?

MotoralModemArris 502g

However when I was returning my old Cable modem to Time Warner, I realized how big of a fool I was! Not that $6 matters that much in my life but it didn’t go well with my engineering background and finance profession once I tried to find out the value of the modem that I had leased from Time Warner for the last 5 years! The modem that I was returning was Arris and the model was TM502G! When I checked online, the cost for a brand new modem was around $25 and there were plenty of sellers of used modem of this exact model number for $15-$18!!!

So this was like I was paying 40% of the current price of the modem every month!!! What a fool of me!!! If you are also leasing your modem from Time Warner cable internet or from Comcast, click on this link and buy your own modem. Stop paying every month for your modem.

Share Ooma to ea rn up to $100 — now available in Canada!

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Share Ooma and earn up to $100 — now available in Canada!
Introduce your friends and family to Ooma and receive up to $100 in rewards.There’s never been a better time to switch to Ooma! Invite your friends and family to purchase an award-winning Ooma Telo™ through our Refer a Friend program and they can get a brand new device for just $99.99 — plus it ships FREE! That’s a total savings of almost $60!
What’s in it for you? You’ll earn $20 in rewards for every Ooma Telo purchased using your referral code. Earn up to five rewards for a total of $100!Not only that, you can now pick how your rewards are delivered. Choose from or Best Buy gift cards, or simply have your rewards posted directly to your credit card!
Earning rewards couldn’t be easier. Just post, tweet or email your referral code to your friends and family and tell them how much you’re saving with the #1 ranked home phone service in America!Don’t wait to take advantage of this sweet deal. This special price and your chance to rack up $100 in rewards ends on 10/30.

Click here to start earning rewards today!

Referral CodeLAK2591
Share on:
This referral program expires on 10/30/2013. Referral codes must be used by this date to qualify for the referral reward. Purchases must be made using the referral code and the link provided in order to be eligible for promotional offer and referral reward. Units returned within 30 days of purchase will not qualify for the referral reward. Please allow 6-8 weeks from the end of the program for delivery of gift cards. Gift cards will be e-mailed to the e-mail address on your Ooma account and must be claimed within one year of being sent. Ooma will not be held responsible for any lost or stolen gift cards or gift cards sent to the wrong email address. This offer cannot be combined with any other rebate or program. Ooma reserves the right to cancel or modify the terms of this program at any time. #1 ranking based on an online survey of subscribers published May 2011, June 2012 and May 2013 by a leading consumer research magazine. Based on overall user satisfaction, not necessarily representative of general population.* is not a sponsor of this promotion. Except as required by law, Gift Cards (“GCs”) cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods on or certain of its affiliated websites. For complete terms and conditions, see GCs are issued by ACI Gift Cards, Inc., a Washington corporation. ©,®,TM Inc. and/or its affiliates, 2013. No expiration date or service fees.
This email message was sent from: Ooma Inc, 1880 Embarcadero Road, Palo Alto, CA
Need assistance? Visit received this message because you are currently subscribed to receive news from Ooma.
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Pentax K-01 16MP APS-C CMOS Compact System Camera Kit with DA 40mm Lens

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Want to buy a camera that takes great photos indoor and in low lights for around $330? Consider Pentax K-01 on
If you can stand with two drawbacks- lack of optical viewfinder and the orthodox style of Pentax k-01, this is probably one of the best dslr cameras for 2012.
* The image quality is excellent.
* With included 40mm lens, you can take impressive portraits and low light photos. If you like to take photos of people, this lens works out very well. (At the current price of $330 for Pentax K-01, the lens itself is worth $200!!! If you don’t want the lens, you can probably sell it and make the camera cost you around $150!!!)
* If you like to take landscapes, the HDR mode does wonders. Easy to use and brings in details in shadows and highlight does not get clipped either.
* With same K mount, in body Image Stabilization, and now Focus Peaking, using my Super Takumar 50mm 1.4 lens is easy and it helps get accurate focusing. K-01 body and Super Takumar lens (with combined cost of less than $400) help me take portrait photos that can compare very well with full frame $2000 plus DSLRs.
* This camera is compact and its odd look lets you take candid photos of people. Bulky SLRs many times make people too serious while being photographed but with box type camera, your subjects are less likely to take you seriously but when you show them the photos, they will be amazed.

I was going to buy K-05 but I really didn’t need weatherproofness or optical view finder so I went with K-01 and I am very glad I did. Having Canon T3i and Mirrorless micro four third Olympus PEN camera too, I can say that K-01 is a better camera and at this price point of less than $350, it is really a steal. Of course, I am assuming you are fine with its yellow color and boxy style.
Pentax k-01


Passport Photo prices comparison

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(You may also like our another review of “Passport photo services on the Internet“)

How much do passport photos cost at various places? The price depends on the store or website you order with. It can be $10 for 2 passport photos at Walgreens, CVS or RiteAid stores. In membership stores like Costco, you will pay $5 for two photos. If you are at the US post office, you can be expected to pay from $15 to $20. These are the prices for 2×2 inch US Passport photos. If you need to order passport photos for some other country or in some other size, most of the above stores will not be able to help you.

These days, you can get 6 or even 8 passport photos, not only for USA but for any country and in any size, for only $6-8! Take a front pose photo with your digital camera in good light, or with Flash, and upload it on or email it to passportphotos at They will fix your photo for exposure, shadows etc and then convert it into accurate passport or visa photos for your country. You will be able to pick printed photos at your local Walgreens, CVS, Target, RiteAid or Walmart store within few hours!! Digital camera revolution and Internet access in every household has made getting passport photos so easy and convenient.

Passport photo provider Prices
# of Photos
Price per photo

US Post Office Passport Photos



Most Target stores do not provide Passport Photo service (at least in California)

Costco Photos





CVS Pharmacy
UPS stores Varies 2 $5-$10

Kinko’s (Fedex Office)


*Rates are as of May 10, 2012 based on quick search on the Internet. They are produced here only for comparison purposes. For current rate at a specific provider, please contact them directly.

Best WSJ ‘Wall Street Journal’ subscription deals

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Best WSJ ‘Wall Street Journal’ subscription deals
The ‘Wall Street Journal’ is considered a premier business newspaper. That is very expensive too and they hardly ever undersell their subscriptions. It is very difficult to get good deal for WSJ! Bookmark this page as this page outlines the cheapest ‘Wall Street Journal’ subscription in the USA.

This deal is available to people who have airline miles- frequent Flier account- with an airline. As of the moment, we know this works with United Miles. Go to United Reward Website or talk to the customer service agent on the phone and tell them that you are looking to redeem your miles for Newspaper/magazine subscriptions. Most of the time, they have Wall Street journal subscription available. Or, read below….

As of this writing, you can subscribe to 39 weeks of Wall Street Journal home delivery (which also includes free online access to WSJ Web Site) for 3300 United Airline miles!

Don’t have United Miles?
No worries. You can apply for United Mileage Plus VISA card and get up to 21,000 free miles! Click here for details about this UNITED MILEAGE PLUS VISA card offer.

Like live agents than to click on a link? Call United Mileage agent at 877-273-7138 and tell that you are referred by Mileage account# 03166200660 under “Help a friend earn up to 20,000 miles”.

This will last for almost a lifetime of free Wall Street Journals subscription!*

*subject to continuation of this promotion of course and expiration of miles…

(Do you know the math for Airliner Frequent Fliers miles? Every mile is usually worth 1 Cent! So 3300 miles is worth $33. This is the best value for the miles you have in your frequent flier program.)

How to get this deal? Click here to go the webpage with images:

Click on this link to visit

Check the Redeem Miles box and enter your Zip Code and Click Go.

You will see your local newspaper as well as Wall Street Journal offer. Click on the SELECT button next to the offer you like and you are good to go.

Best Deals-“best money saving tips”

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What does mean?-

best online deals– “best money tips

Well, this is meant to be my gift of $100000 to you. Surprised? Worried? Doubtful? Don’t worry. This is not a scam. I am not going to ask you to make any payment anywhere on this website. Everything is free. Even the $100,000.

I am born and brought up in India. Then moved to the USA- first to do my MBA and then to settle down (In between, I founded and managed an investment services company in India). I am in the USA for around 10 years in total. I have learned a lot (and am still learning) about how US economy- the most advanced and most competitive- works. That is during my MBA as well as during living with my family in California. If you do not know, I am also a Chartered Financial Analyst (CFA) from the CFA Institute which I believe is the most ethical organizations of financial professionals around the world. If you are familiar with CFA charter, I am sure I have your 100% trust and confidence. This website is not a scam. Let me repeat.

On, I am going to attempt to help an average American family save or make around 100,000 dollars. (Frankly speaking, I do not know if I have things for you that add up to $100000 for you at this time. Today I thought about creating a website to share my money tips with the world and have just registered the domain name However, I am seriously going to share all my knowledge, wisdom, tricks to make you more wealthy and your life a more pleasure. April 07,2008.)

Unlike most MBAs, project managers or authors who believe in planning first, I am a doer. I like to start doing it. Just do it- I like Nike for it. I know my goal: that is to help you with 100000 dollars worth of savings. If I can make it happen, I would pat on my back. If I fail, to whatever extent I could help you, please take it as my gift alongwith my apologies for creating false expections in minds of readers like you. Also, everything on this website is not my brainchild nor are my own ideas. The life is a journey and whatever comes along it, I like to take it for my personal benefit and to share with people like you. With that spirit in focus, I am going to share my tips, knowledge, smartness (if there is any), wisdom on this website. Said that, if you have something that can help me reach to my $100,000 target, please share it with me for the benefits of fellow Americans.You will be given full credit for your ideas.

Window-Shopping Foreclosures– marketwatch,com

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by Jennifer Openshaw
Tuesday, November 20, 2007
provided byMarketWatch

The foreclosure market continues to boom as no relief appears in sight for stretched subprime mortgage holders. As the economy shows more signs of a slowdown, this trend is likely to continue.

Although the real estate industry would prefer otherwise, foreclosures continue to make headlines. The latest data showed superficial relief, with September foreclosures down 8% from some 243,000 in August, but still more than double last year — and still with more to come.

It may be a harsh analogy, but I often think of foreclosure buyers as the forest-floor ants consuming the dead wood to clean the forest.

More From Home Building Woes Spell More Trouble

More Home Sellers Going the Way of the Auction

How to Make an Acceptable Lowball Offer

That means three things. First, as I see it, the sooner we get through this credit mess, the better. Second, the faster properties get through the foreclosure process and find buyers, the sooner we’ll get through the mess. So third, foreclosure buyers clean out the dead wood (I like) and get great bargains in the process (I also like).

I can save how much?
My recent column broadly covers the discount you can expect from market value if you buy a foreclosure. It varies by region, but using information published by real estate portal and foreclosure specialists RealtyTrac, I saw discounts ranging from 15% in Hawaii to 40% in Alabama, with 20% and 25% being a rule of thumb.

Not bad. So then the next question, incidentally raised by several readers, is “how do I find those bargains in my area?”

Finding the for sale signs
To locate specific foreclosures in your area, RealtyTrac is a good place to start. The site lists foreclosures by ZIP code and foreclosure stage, ranging from preforeclosure property to bank-owned real estate. It’s a broad and fairly deep picture of foreclosure availability in your area.

Some have found RealtyTrac less than precise, as the task of keeping up with foreclosure listing activity across the company is large, to say the least. And to get specific information on the property, RealtyTrac requires a $49.95/month subscription after a seven-day free trial.

But realize that RealtyTrac sits behind other real estate sites, so sooner or later you’ll probably run into RealtyTrac. If you’re serious about foreclosure shopping, you might want to sign up.

Combining sources
If you aren’t ready to make the financial commitment or “come out of the closet” as a registered foreclosure buyer, there are several other paths which work surprisingly well:

Bank sales. To their chagrin, banks and financial institutions are going into the real estate business in a big way. Too bad for them, but you can find a lot of bargains on their Web sites: Bank of America, Countrywide and U. S. Bank have good listings, to name a few. Countrywide, for example, has 300 listings in California alone priced under $170,000.

Agency sales. Banks sell their “REO” (Real Estate Owned) but often hire agencies to do the job. Such agencies include Keystone Asset Management, Lenders Asset Management Corporation and HomeEq Servicing. Some of these agencies may operate bank sites, so you may see a similarity.

Government and government-backed lender sales. Government agencies ranging from FHA and VA to HUD and the Department of Justice sell real estate, visible through a single portal. And government-backed Fannie Mae and Freddie Mac also operate sites. The variety of properties available is, shall we say, wide, but Fannie Mae in particular lists a lot of solid mainstream real estate values.

Auctions and auction houses. Local and regional auctions are becoming bigger as banks and others pile up inventory. A real estate auction specialist will announce an auction of dozens, maybe hundreds of properties in a large region or metro area. Auctioneers include Real Estate Disposal Corporation (REDC) and Williams & Williams. Experience helps in playing this game, although the auctioneer sites walk you through the process.

Local real estate specialists. A lot of agents know about action in a particular area and can hook you up with the sellers. Good agents have their eyes and ears to the ground at all times, and get tips and hear about stuff coming on the market. You can often Google “foreclosures (area)” to get local listings.

Don’t forget: reward comes with risk
Remember that, while foreclosure properties often sell at a healthy discount, you may run into poorly maintained properties. There may be other foreclosures in the immediate area, hurting the quality and value of your investment. Double check other adjacent listings and visit the area if you can.

Remember: Good value investors buy assets at the right time in the right place at the right price. Real estate is no different.

Passport photo deals, coupons, passport photos discounts

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You can print pictures online for 4 inch x 6 inch print from 10 cents onwards. However when you need to have passport photos, you have to pay 10dollars for 2 passport pictures at CVS, Kinko’s or at local 1hour studio! I hated when I had to pay that kind of money at costco and the picture they took wasn’t great either. I hated my bad face on my passport.

Now there is a way for you to save money on passport photos. You can have 5 passport photos for 5 dollars mailed at your doorstep. Also you can choose your picture!

Take a look at online passport photo deals .