Smart Deal

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 .

The Cheapest Days to Buy Certain Items

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The Cheapest Days to Buy Certain Items

by Kelli B. Grant
Friday, July 13, 2007
provided by

Another day, another deal.

Thanks to online coupons, price-comparison search engines and reward memberships, savvy shoppers can pay less than full price on any day that ends in “y.” But depending on what you’re planning to buy, some days of the week may yield better bargains than others.

We talked to the experts, and narrowed down the best days of the week to buy certain items.

Airplane Tickets
When to Buy: Wednesday morning.
Why: “Most airfare sales are thrown out there on the weekend,” says travel expert Peter Greenberg, a.k.a. The Travel Detective. Other airlines then jump into the game, discounting their own fares and prompting further changes by the first airline. The fares reach their lowest prices late Tuesday or early Wednesday.

Read the full article at:

Best hotel deals- how to find them on the internet

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Now a days, it is no secret that best hotel deals are found on the Internet. The Internet gave us an opportunity to bring the world to our home, our desktop.  We can go to , or, and there are numerous travel deal search engines and local websites for the area you are looking hotel rooms for our next travel.

Now here is a surprise for you! Get back to the old age- calling the hotel directly! Sounds stupid and old-fashined, right? In the next 2 mintues I will show you what is really the best/optimum way to book hotel rooms for your next trip.

* On the Internet, to get the best deal, you have to go to numerous travel websites to find out who offers the best rates. This takes time, and time is money, isn’t it?
* Also the deals on a specific site keep changing so in order to make sure you are getting the best deal, you have to go to that website (s) on multiple days and at multiple times.
* Plus, talking to a real person is much better than browsing IMHO.

So here is my trick:

  1.  Do a quick 5-minute search on , or to select the hotel and the lowest rate you are getting for your target dates. Let us say you found a rate of $129 per night.
  2. Find the the direct phone number of the hotel ( it is vary easy to find it on Google or Yahoo with “Hotel Name, zip code” to find the hotel website).
  3. Call them up and say,”Hi! I am looking for a hotel room in your city and I remember having seen a great price of 89$ for a room on some travel website I guess when I was searching 2 days ago. I am wondering if you can match the price and I would be happy to book my room right now. Your hotel will save the commission to this or orbitz or likes, and I would save the hassle of trying to find that price on those websites.”
  4.  Most probably, the hotel’s sales-rep on the other hand will accept your offer. They do have variety of deals in their system that we are mostly unaware of.
  5. If he or she is not able to find that deal, ask him/her, what is the best she can do for you. Most probably, you would be offered the rock-bottom price that you would hardly find yourself on the Internet.
  6. If it didn’t work out, give a call, preferably after 8 hours, so hopefully, you have another friendly person doing this job.

This is my 10 minute secret of booking hotel rooms in matured-internet age! What do you think? Please share your comments, and ideas.

After all, best deals are fun, and make us feel smart! Enjoy.

Thanks for visiting my blog.

Slick Deals

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Save money on Telephone calls- local calling, long distance calling

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You have probably heard about broandband internet- DSL and you also probably have heard about VoIP (Voice over IP).

DSL- Broadband internet access connects your home computers to the Internet. There are primarily two types of internet connections- Dial-up and Broadband. Broadband can come in verious formats- Cable, DSL, Satellite, Wireless.  (All broadband users can use VoIP calling- for DSL too. Most people think that  you have to have a local telephone line to have DSL but that is not true. YOu can have DSL without a local telephone service. They call it Naked DSL or Dry Loop DSL)

VoIP- This is Internet calling. Previously telecom companies had PSTN lines over which we made calls to our friends and relatives. Now we have Internet calling. The Internet which carries information about various websites for you now also carries your voice. You can call using Internet.

Well, well, well….what is the deal hear?

Get Vonage, Sunrocket or Packet8 internet if you have Broadband Internet. You are probably paying 20 to 30 dollars each month to Verizon or SBC for your local telephone service.  Stop that service and save that money and spend it on UNLIMITED LONG DISTANCE.

If you have broadband, get rid of local telephone service and order Vonage, SunRocket or Packet8. They give you unlimited local and long distance calls for 15 to 25 dollars per month.

What are the advantages of VoIP?

1. It saves money! For the 25 dollars that you are paying just for your phone and local calling, you can get unlimited local and long distance calling with VoIP. Do you see the value here. Same dollars are getting you much more with VoIP here.

2. You are not tied to the area code you live in. I am in 805 area code but as most of my relatives live in 714 area, I can choose to have a phone number in 714 area code so all my relatives can call me as local calling.

3. VoIP services come with so many facilities- for FREE. You get free VoiceMail, 3 way calling, Call waiting, speed-dialing, etc.

4. If your wife takes you to live with your in-laws for a week, take your VoIP phone adapter and connect it to their Broadband router/modem there and you will not miss a single call even if you are not at home.

5. If you have relative in countries like India, China, or anywhere in the world, you can give them a US number there. They can call anyone in the US, Canada or Europe (in some cases) Unlimited for a fixed monthly fee. My brother-in-law uses Vonace from his office in India. That helps his business too.