Your new Refer-a-Friend link

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Please use the link and email me back. I will pay you back $20 worth of items or cash.

Xoom Refer-A-Friend Program


Thanks for participating in our Refer-a-Friend program. We recently upgraded our technology to make it easier than ever to refer friends and receive rewards.

Please use the link below to Refer-a-Friend. (Your old link will no longer work.)


This is your personal link to share with as many friends as you like.
If you have any questions, please feel free to email us or call anytime.
Toll-free: 1-877-815-1531 | From outside the U.S.: 1-415-395-4225
Thanks again for passing the word about Xoom!

The Xoom Team

___________ Prefer to Refer-a-Friend on Facebook?
No problem. Here’s your link to start sharing on Facebook.


If you do not wish to receive additional email invitations about this promotion, please click here.
If you have any questions, send an email to customerservice, or write to:
Xoom Refer a Friend c/o Extole
425 Market St.
San Francisco, CA 94104

Rebtel signup bonus

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Rebtel signup bonus.

Use the link below to signup for Rebtel.com great low India and Pakistan calling rates and get $5 free credit.


Some markdowns

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Best day of the week for shopping. See link above for tips:

Have you ever been staring at that awesome blender at Costco, dreaming of blending your fruit smoothie with ease, and notice the odd price tag of $149.97 and wonder how the heck they came up with that price? If you are normal, probably not. But after you read this article you’ll be checking out every price tag you see because if you know what to look for, you can quickly determine if the price might go even lower or if it’s as low as it’s going to go. How? Well, many stores use an internal pricing system which shows you if an item has been marked down, if it will be marked down again, or if it’s a final markdown. You just gotta be able to crack the price tag code. Thanks to former employees and code crackers like me, you too can join the ranks of price tag checkers. Here are the details from some of your most popular retailers (in alphabetical order):

Here is another one important:

Costco Wholesale

I found the Costco pricing system to offer the most potential savings if you are a diligent and always examine the price shelf tags before making a purchase. Here is what I discovered:

  • Prices ending in .99 – this is the full retail price of items at Costco.
  • Prices ending in a 7, namely .97 – means it is a buyer designated markdown and offers substantial savings over the full retail price.
  • Prices ending in .00 – this is typically a “returned unopened item that has already been deleted from the system or a one-of-a-kind item.” Usually it’s a marked down price and a great buy. Thanks to Eric for passing this tip along.
  • Price Tag with an Asterisk (*) on it – if you can find products ending with a 7, along with an asterisk in the upper right hand corner of the shelf tag, you are getting the best price at Costco. The asterisk means the item is “Pending Delete” and will be removed from the warehouse once it sells out. The above Costco price tag has an asterisk in the upper right hand corner.
  • All other pricing – If the price ends with something other than a .99 or 7, it is typically a manufacturer’s special or manager’s special. These ending prices will vary from store to store. I am currently attempting to get more concrete details on these.
  • Date Under the Price – In small print, under the price, is a date which tells us when the shelf tag was either created or had a price change. If the item is regularly stocked and has a fairly recent date on the shelf tag, you can typically take that to mean the price was lowered on that date and is a smart buy.
  • Bonus: To save even more at Costco, check out our article 10 Best Way to Save Money at Costco.

Fat wallet account opening bonus.

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Use this link to Sign up for your Fatwaller account. Link: http://www.fatwallet.com/?referral=pateljr
After you signup, email me your email address and I will give you back $8 when I get paid.

Get $20 for inviting 2 friends. Bloggers, get up to $1,500! See Webview
Visit FatWallet.com My Account Blog Refer a Friend
Cash Back Stores Coupons Sales Product Deals Local Deals Forums
Get $20 for inviting 2 friends
spacer.gif Facebook Twitter Google Plus RSS
A “qualified referral” is a new member of FatWallet referred by you that signs up at FatWallet.com during the referral period starting January 1, 2014 and ending March 31, 2014 and that complies with the rules set forth below. If a qualified referral makes purchases totaling $25 or more that earn cash back within one year following signing up, FatWallet will pay you $5 for each such qualified referral. FatWallet will pay you an additional one-time bonus for the referral period if two (2) or more of your qualified referrals each make purchases totaling $25 or more that earn cash back before the end of the referral period. You will receive the highest one-time bonus for which you qualify in the table above. Your one-time bonus will be added to your FatWallet account at the conclusion of this promotion. A qualified referral must be made using your custom referral link, (i) the invitation forms on this page or (ii) other methods supplied by FatWallet that allow for proper tracking of referrals. The following activities are not permitted and will disqualify you from earning a referral bonus: (i) self-referral, (ii) posting your referral link on any FatWallet merchant’s Facebook or forum page, (iii) keyword bidding for the purpose of generating traffic to pages containing your referral link, and (iv) any similar activity determined by FatWallet in its sole discretion to be inconsistent with the purpose of the FatWallet Tell-A-Friend Program. FatWallet decisions are final. You are responsible for any applicable taxes. This referral bonus promotion is open only to individuals who are legal residents of the fifty (50) United States, the District of Columbia or Puerto Rico and are at least eighteen (18) years of age.
Certain prices, offers & cash back are valid until 11:59PM CT today and subject to change. See site for details or restrictions.
Add fatwallet@news.fatwallet.com to your address book or Unsubscribe from our Site-Wide Sales Notifications.
© 2014 FatWallet, Inc. 100 East Grand Ave. Beloit, WI 53511


Get $10 free credit for telling a friend about Rebtel

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Subject: Get $10 free credit for telling a friend about Rebtel

Valentines TAF

Get $40 off OOMA with this code LAK2591

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Share Ooma and earn up to $100 in rewards
Ooma is ringing in the New Year with a really sweet deal! Share the Ooma savings with your friends and family and receive up to $100 in rewards.

Sharing is easy when the offer is this good. Just invite your friends and family to purchase an award-winning Ooma Telo™ through our Refer a Friend program. They’ll get the device for the really great price of just $139.99. That’s $40 in savings — plus it ships FREE!

What’s in it for you? A $20 Amazon.com Gift Card*
each time a friend or family member uses your referral code to purchase Ooma. Earn up to 5 gift cards in total. That’s $100 to spend on what you didn’t get for the holidays!
Earning rewards couldn’t be easier. Just post, tweet or email your referral code to friends and family. Better yet, give them a ring and tell them about how much you’ve saved over the past year with the #1 ranked home phone service in America!

Be resolute in saving even more this year and help your friends out too. But hurry, this special price and your chance to rack up $100 in rewards ends on 1/31.

Click here to start earning rewards today!

Referral Code


Share on:
This referral program expires on 1/31/2013. Referral codes must be redeemed by this date to be eligible for reward. Purchases can only be made in the U.S. and must be made using the referral code and link provided to be eligible for promotional offer and referral reward. Purchased units returned within 30 days will disqualify a gift card reward. Please allow 4-6 weeks from the end of the program for delivery of gift cards. Ooma will not be held responsible for any lost or stolen gift cards. 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 and June 2012 by a leading consumer research magazine. Based on overall user satisfaction, not necessarily representative of general population.

* Amazon.com is not a sponsor of this promotion. Except as required by law, Amazon.com Gift Cards (“GCs”) cannot be transferred for value or redeemed for cash. GCs may be used only for purchases of eligible goods on Amazon.com or certain of its affiliated websites. For complete terms and conditions, see http://www.amazon.com/gc-legal. GCs are issued by ACI Gift Cards, Inc., a Washington corporation. ©,®,TM Amazon.com Inc. and/or its affiliates, 2012. No expiration date or service fees.

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Need assistance? Visit www.ooma.com/support

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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 http://www.onlinepassportphoto.com/ or email it to passportphotos at hotmail.com. 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.

How good are the FREE PASSPORT PHOTO websites?

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Comparison of FREE and Pay Passport Photos Websites on the Internet
Review of Passport Photos services on the Internet
Normally passport photos are taken in Brick and Mortar stores.  Most local stores offer Passport photo services. However they have become expensive over time. Most stores like Walgreens, CVS Pharmacy, Rite-Aid  etc charge around $10 for 2 passport photos. Plus most such stores offer only 2×2 inch USA passport photos.  Because of these two reasons, now there is another alternative  and that is to get passport photos online.

How does passport photo service on the Internet work?
With most families having digital cameras and access to Internet, it is much easier to get passport photos online. Here also, there are two types of services. DIY or pay some money.

There are excellent businesses like http://www.onlinepassportphoto.com which for a reasonable will will provide 6 or 8 passport photos for around $6 to $8 which is very economical compared to paying $10 or so for only 2 photos.  So if you need photos for whole family or need 10 or so photos per person, getting them done on the Internet can save you lot of money.  Besies the economic side, it is also easier to get passport photos for any country and in any size. Plus the biggest advantage in our opinion is fixing of customer photos. Full service passport photo websites on the Interet will fix flaws in your photos- like, correcting exposure, fixing background, removed harsh shadows behind the the head. This way, the photos you get are much likely to be accepted and this can save you some precious time with passport application.

Now there are some DIY free websites which revolutionized the printing of passport
photos.  ePassportphoto.com comes on the top followed by www.potraitbooth.com.  However, there are some problems with using FREE Passport Photo services:

  • Your digital photos may not be as good for making passport photos.
    We estimate that barely 10% to 20% of the photos taken by individuals with their digital camera have accurate exposure, background, contrast needed to make valid and nice passport photos. There is no statistics available but there must be a significant rejection rate for photos created on free websites.
  • Shadows by flash. Most cameras fire flash when photos are taken inside and that roughly 95% of the photos would have undesired shadows behind the head in photos. Most passport photo requirements specifically ask you to submit photos without such shadows. (Our tip: Use full service online passport photo services like http://www.onlinepassportphoto.com
    who digitally remove the shadows from the photos or will advise you how to avoid shadows while taking photos. This will eliminate chances of rejections for your passport or visa application and will save you considerable time.)
  • Foreign passport/visa photos: Most countries have their own passport/visa
    photo requirements. If that is not enough, different consulates of the same country have sometimes very different requirements for passport photos. As an example, the OCI (Overseas Citizenship of India) application if submitted at San Francisco Consulate of India or New York Consulate of India will ask you to submit 2×2 inch photos but if you are submitting your application to Houston Consulate of India or Chicago Consulate of India, you will be asked to submit 35mm x35mm photos (which is like
    1.3x 1.3 inch)! If the size issue wasn’t enough, some consulates ask for Colored background and some require White or White-like background only even if the photos are to be used for the passport/visa application for the same country!!With FREE Passport photo websites like ePassportphoto.com
    and www.potraitbooth.com, you will miss out these fine details but using full service OnlinePassportPhoto.com, you will leave such worries behind as they take care of such details for you.
  • Most free passport photos sites like ePassportphoto.com and www.potraitbooth.com
    require you to upload a file within only acceptable file sizes. If your photo file is too big or too small, the sites will reject your photos outright.

What is good about the free DIY Passport photo websites?

  • The biggest benefit is that ePassportphoto.com and www.potraitbooth.com help you convert your digital photos in to passport photos for free. You upload your digital photos and they give you back a 4×6 print format
    with multiple photos on it.
  • This is a very quick process. Probably 3 clicks and you are done.
  • The best part is- it is free! If you are a good photographer and your photos have right exposure and no shadows behind head, you are good with such free websites.  You don’t have to pay anything compared to $10 that most stores charge for 2 passport photos.
  • You can create passport or visa photos for any country, in any size.

Deal: 15000 for 15 days! This simple Mortgage trick will save you

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Wonderful World of Mortgage Payments

Born in India, I was brought up in a society/ulture that never liked debt. Now living in the USA, I could not avoid debt for long time. I gave a tough fight but when I bought my home, I had to have a debt.

Surprisingly in the USA, there are two numbers very important for you: Naturally, the first number, is your Social Security Number and the second one is your average credit score. (There are three consumer credit rating companies so you have 3 credit scores as such but average score is the one that counts.). Social Security Number (SSN) is a boring number; once you get it, you are stuck with it for your life but credit score is a real fun game. There are so many strategies out there on talk-shows, in books, in magazines and on the Internet that teach you how to improve your score. There is one Credit Score expert around you wherever you happen to be- usually within 10 feet of you or only 10 digits away! Talk to 3 people around you in a gathering or at workplace, or talk to any 3 friends, and I bet you one of them would give you some solid tips on credit scores! I am just trying to highlight how much our attitude has changed towards debt.

Most of us living in the USA pay Mortgage payment every month. It is part of the American dream- dream of owning a home. That not only gives you a home, but helps American economy in a big way. When you purchase, usually 6% of that amount is paid to brokers, around $5000 gets paid in terms of closing costs to variety of parties, when you sell, there is another 6% paid to brokers, and then every year, around 1 to 2% gets paid in the form of property taxes to state and local governments. Knowing or unknowingley, each of home buyer is doing a lot of good to the American society and contributing his/her dues to maintaining standards of living in the USA. We embrace this mortgage debt on the wonderful selling point of Internal Revenue Service (IRS)- “deduction of mortgage interest”! This whole cycle works very well- for you as well as for others.

Anyway, the purpose of this page is to play around with some numbers and to do some financial math that can help you save some money.

TRICK 1: Mortgage payment voucher comes in the mail every month with a due date of 1st of the month but did you know that you usually get 15 days of grace period to make your payment? I believe most of us pay on the 1st itself. We don’t care of 15 days worth of holding onto our monthly mortgage payment. Now if you decide to delay your payment by 15 days each month, what kind of benefits do you have? Most of you would immediately tell me that it is not worth the trouble. But if you get into details, I am sure you will get surprised.

If you don’t care about paying 15 days late, I am sure you can stretch yourself and pay 15 days earlier too. I mean to say that if you are planning to pay your next mortgage payment on say 1st of May, please pay it on 15th of April instead and then on every 15th of the month. Now the payment you make on 15th of April, mark it as payment towards your principal. Do you know how much wonders this will do overall?

Let us run some numbers on the following scenario:

Assume this is your mortgage:

You are supposed to pay 2398 every month till January 2038:

Now instead of paying on the 1st, you change to pay it on 14th of the month and somehow squeeze in one payment by paying it early towards your principal.

Do you know that this “don’t care of 15 days” would save you full 5 monthly payments at the end? Plus, $2000 on the last payment you make?

(If this image is not visible clearly, please visit this link: http://jayesh.profitfromprices.com/Deals_mortgage_savings.htm )

Sounds confusing? Please email me: