Pillow makers: 2011

Monday, December 26, 2011

Making Money Internet

Saving money on a single purchase is good, but the real savings come when you’re able to slash the payments that you make monthly.

Think about it.

Reducing a monthly bill is like saving on 12 purchases every year. It allows you to immediately begin devoting more of your monthly income to debt reduction, investing, or inflating your cash cushion.

In addition, reducing your monthly expenses to the minimum will extend the amount of time you’re able to live off of your savings if you lose your job, switch careers, get sick, or otherwise suffer an income interruption.

Here are some places to look to start lowering your monthly bills:

Use a television antenna and the Internet to cut your cable or satellite bills. Receiving a television signal with an antenna has always been an option, but with the rising price of cable and satellite service and the falling price of technology, it’s becoming more compelling. Even a cheap digital antenna now picks up high-definition broadcasts. And many shows can now be streamed from the Internet to your TV with devices that cost less than one month of cable. One of the most popular stories we’ve ever published is 3 Steps to Cut Your Cable Bill by 90 Percent. Check it out.

Slash your cell phone bills. There are many ways to cut your cell phone bills dramatically. Reduce your minutes, ask for a group or corporate discount, or go in on a family plan. Check out 5 More Steps to a Lower Cell Phone Bill.

Refinance your home. Mortgage rates are at or near their all-time lows. If you’ve got good credit and enough equity in your home, compare the costs of a refinance to your monthly savings. Read Ask Stacy: Should I Refinance My Mortgage? then go to our interest rate search and see if you can find a lower rate. While refinancing takes time and effort, it can return hundreds in monthly savings.

Refinance your credit card debt. If you’re carrying credit card debt, look for ways to cut monthly interest payments. For example, Chase is now offering a version of its Slate credit card with a zero-percent interest rate on balance transfers of up to 12 months, with no balance transfer fee. You can find it, along with other credit offers, in our balance transfer credit card search. Warning: Those with the best credit will get the best offers.

Slash your home phone bills. If you have Internet service, start making your calls online. Devices like MagicJack will charge you less for a year’s service than most land-line phone companies charge for a month.

Reduce your Internet service costs. Most people don’t know that their cable or phone company offers a perfectly good “economy” tier of service that is rarely advertised. Call yours and ask. Are you paying to rent their modem? Buy one on Ebay.

Pay less for car insurance. There are lots of ways to pay less, many of which we’ve written about: See 7 Ways to Save on Car Insurance. The simplest? Raising your deductible from $250 to $1,000 can slash your bill by 15 percent. And don’t stop with the car. There are ways to save on all kinds of insurance, from home to health to life. See The 5 Golden Rules of Saving on Insurance for more ideas. Then check out our insurance search to shop around.

Save at restaurants. If you are unable to go all the way and stop eating out, at least find the maximum savings when you do go out. Sites like Restaurant.com offer $25 certificates that can make the cost of a nice meal out little more than the price of fast food. Here are our original tips on using Restaurant.com for savings, and 6 more I came up with. And when you’ve satisfied your appetite for restaurant savings, try to find more gain without pain with other entertainment savings. See 26 Tips to Save on Entertainment.

Go in with your neighbors. If you have next-door neighbors you get along with, consider sharing services. Creative neighbors have found ways to share Internet, cell phone family plans, and other services. This is especially easy when you live in a condo and can negotiate services as a group. Just be sure to comply with each provider’s terms of service. For example, when I lived in a condo, we entered into contracts to share cable television and commercial-grade Internet service. You don’t even have to live in the same building to negotiate a group discount with providers of lawn care, snow removal, or house cleaning services.

By looking for cuts to your monthly costs, rather than one-time savings, you can reduce your expenses well into the future, while safeguarding your family’s finances should the unexpected occur.

Related: The 10 Golden Rules of Saving on Everything

This post originally appeared at Money Talks News.

Anyone who has followed PayPal's not-exactly-customer-friendly behavior over the years is likely in for a shock. After previously telling the owner of Regretsy.com that all the money she collected for her Secret Santa campaign had to be refunded because she used a "Donate" button — oh, and freezing her personal PayPal account just for fun — the online payment service has done a complete 180 and now says it will release Regretsy's funds.

In a posting on the PayPal blog, some guy who probably really hates the internet right now writes:

Last night we became aware of an issue with one of our account holders, Regretsy.com. Though we can't comment specifically on the account due to our privacy policy, we can confirm that the funds have been released and we are working directly with the account holder on this matter. Just like anyone else, we believe strongly in helping those in need, especially around the holiday season. We are making a donation to Regretsy to help their cause, and we're truly sorry this occurred.

For background, we have clear guidelines for any business that uses PayPal to accept donations. For example, we require certain documentation to prevent misuse of the donated funds and, if the recipient claims charitable status, to determine whether they are properly registered. We do this to protect our customers and to protect our business. As a regulated payment service, we're also required by law to follow these guidelines.

We appreciate that this can be an inconvenience, but we have a responsibility to all our customers - both donors and recipients; and buyers and sellers. In this instance, we recognized our error and moved as swiftly as possible to fix it.

We've reached out to Regretsy to confirm that the funds have indeed been released.

Regretsy Issue Resolution [PayPal blog]

Tuesday, December 20, 2011

Women Making Money

GLOBAL – Here we are in the Twenty-First Century and we still have to ask – what do women want? Remember that movie where a chauvinistic advertising executive has a fluke accident that enables him to hear what women think? It might be a shock, but if you’re a man working in technology it’s an experience you should have more often.

“It’s not just about pink phones…”

It’s never just about pink phones. Anyone who suggests it is will be banished back to the 1970s where they can demand dinner on the table at 6 o’clock and argue that women should never be allowed to drink pints.

All right, Nokia is much too nice to ever suggest such a thing. But seriously, women want more than pink phones – and by ‘more’ we don’t mean phones that are pink and shaped like high heels, either.

Women represent the world’s biggest economic opportunity (Harvard Business Review, September 2009). Countries where girls go to school, and women take part in the work place, surge ahead in development. By 2014 female income will have increased by five trillion dollars in five years. That’s a lot of extra money, but women need to be persuaded to spend it.

Research shows that women like to feel they get value for money and, although they often want the same things as men, women view buying things through a slightly different lens.

Traditionally some of Nokia’s phones have been more appealing to men than women, but ongoing work has been trying to make that more equal. For the last few years the company has been on a journey that’s led to an internal and external transformation.

Nokia asked employees what they thought about making products and services that appeal equally to both women and men. Hundreds of ideas were submitted, and three were implemented – but overall the message was clear:

“Women don’t want to know what it is, they ask – what does it do for me?” said Adam Travis, who works on diversity issues with Nokia.

Forget the specs

Women usually prove immune to a technology-focused approach to selling a product. So when you launch into a fact-filled spec sheet, or an explanation of gadgets and gizmos – and her eyes glaze over – stop.

“Oprah gets women,” said Samantha Steele (VP, Indirect Sourcing), “It’s about work, spirit, health, home, gardens and family– the experiences you have in your life and what helps you get them. .”

Even if you never want to bake a cake, prune a rose bush or go on a spiritual journey – you still want to know what your phone can do for you. Adam Travis points out that nobody buys a Kindle only because of its hardware. You want one because it’s lighter than a paperback, you can carry your whole library around with you, and you can read it easily on the train to work.

It’s nice to have a new Nokia Lumia, or an Asha, and understand how they work – but it’s even better to find out that you connect with all of your friends and share photos instantly on social networking, find out where the best café is on Nokia Maps, listen to great music, or teach your kids to read with the Sesame Street app.

The CNN Washington Bureau’s morning speed read of the top stories making news from around the country and the world. Click on the headlines for more.

WASHINGTON/POLITICAL:

CNN: House passes payroll tax plan opposed by Obama

Another Washington political showdown took shape Tuesday as the House of Representatives passed a Republican plan that would extend the payroll tax cut and speed the process for government approval of the Keystone XL oil pipeline.

CNN: Keystone pipeline a tough decision for Obama

From the beginning, the Keystone XL oil pipeline project presented President Barack Obama with a choice certain to anger part of his political base.

CNN: Obama and the politics of disappointment

All politicians disappoint their supporters. It is a relentless truth in D.C. They make pledges they can't keep, say things they don't mean, and encounter stiff headwinds in office that were just distant breezes on the campaign trail. The bigger their failed promises, the bigger the disappointment.

CNN: Axelrod: Longer GOP primary helps Obama

President Barack Obama's top re-election campaign advisers predict that an extended Republican primary battle will produce a weakened GOP nominee, and that a longer process could drain the independent Republican super PACs of much of their money.

NATIONAL:

CNN: Sandusky prepared to fight child rape charges, attorney says

Former Penn State assistant football coach Jerry Sandusky, who is accused of sexually abusing boys, remains "totally prepared and committed to proving his innocence" after waiving his right to a preliminary hearing Tuesday, his attorney said.

CNN: Police arrest 3 in Florida A&M University student's beating

Three members of Florida A&M University's marching band have been charged with hazing a fellow member of the famous Marching 100 who took her complaints to police.

CNN: More women in combat means more mothers with PTSD

It wasn't until five months after Army Staff Sgt. June Moss returned from the Iraq war in 2003 that her real battle began. The horrors of the war - witnessing decapitated and burned bodies amid mass destruction - led to post-traumatic stress disorder.

CNN: Google joins fight against slavery with $11.5 million grant

Google Inc. announced Wednesday that it's providing $11.5 million in grants to 10 organizations working to end modern-day slavery and human trafficking. Gary Haugen, president and CEO of International Justice Mission, one of the grant recipients, called the move a "game-changing investment."

INTERNATIONAL:

CNN: 5 dead, scores injured in Belgium grenade, gun attack

A grenade and gun attack in this eastern Belgian city left five people dead, including the attacker, and 119 wounded Tuesday, authorities said.

CNN: As troops leave, Iraq wants surge of American business

As the United States completes its withdrawal of all military forces from Iraq by the end of the month, Iraq's prime minister made a pitch to leaders of American commerce and industry Tuesday: Iraq is open for business.

CNN: Ahmadinejad: Iran has 'been able to control' U.S. drone

Iranian President Mahmoud Ahmadinejad said Tuesday that his country has "been able to control" the U.S. drone that Iran claims it recently brought down, Venezuelan state TV reported.

CNN: Alleged Libyan rape victim struggling to start anew in America

Hers is a struggle shared by all freshly arrived refugees in the United States. Learning English. Getting a job. Adapting to American culture.

BUSINESS:

CNN Money: Stocks pull back after Fed

U.S. stocks ended in the red Tuesday, giving up an earlier rally, after the Federal Reserve kept rates unchanged and issued a tepid outlook.

CNN Money: Keystone pipeline: How many jobs it would really create

The Keystone pipeline project is back in play as part of the payroll-tax cut debate, and Congressional Republicans say it would create jobs.

CNN Money: Existing home sales to be revised lower

If you thought the U.S. housing market couldn't get much worse, think again.

In Case You Missed It…

Republican presidential candidate Jon Huntsman tells CNN's Erin Burnett China is "no ally" of the United States.

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Monday, December 19, 2011

Tips on discovering the most suitable carpet cleaning business on your position.

Industrial carpet cleaner is really a most useful point to utilize inside the places of work to clean carpets. Within high traffic areas, exactly where floor coverings are usually densely damaged, cleaning gets difficult; as a result, many cleaning installers obtain a industrial carpet cleaner.

Office buildings, making use of their hundreds of rectangular toes regarding carpeted location, pose special challenges with regard to cleaning contractors. Washing businesses should clear carpets and rugs inside office structures in only a small amount period as you possibly can to avoid disrupting every day functions. Inside large visitors locations, in which carpets are densely soiled, cleaning will become difficult. As a result, most installers purchase a business carpet cleaner designed to offer you superlative, effective cleaning regarding industrial locations for example workplace processes.

Lower finish carpet cleaning equipment may well help you save cash in the beginning, yet regular breakdowns, wear and tear, and also bad work top quality will cost much more in the long term. These kinds of reduce capacity equipment tend to be intended for utilize at home or perhaps within more compact locations. They can not work hour or so following hr with no split, as industrial carpet cleaning requires. Additionally, they may be not really long lasting sufficient to be able to endure the particular corrosive chemical compounds as well as dirt a industrial carpet cleaner will be confronted with. Consequently, you need to lookup the particular inventory to get a provider that gives commercial carpet cleaner and also select the right product.

Any business carpet cleaner has greater stress levels and temperatures options as compared to residential equipment, allowing for more quickly, more efficient cleaning. Several brand names associated with business carpet cleaning equipment may well attain temps up to 210° Farreneheit. They can have strain amounts various as much as 500 psi, which can be modified based on the cleaning specifications.

Probably the most essential needs for carpet cleaning gear will be uninterrupted procedure. Consequently, top end industrial carpet cleaner will be fixed along with high capacity answer and restoration tanks. A number of these equipment possess answer tanks since big inside ability because seventeen gallons. Additionally, to avoid the need to stop the device before water heats, 2 heating system elements are given as opposed to 1, that minimizes heat time for you to about 5 min's. Several carpeting shampooers have automated refilling as well as throwing systems so the operator will not end up wasting productive moment filling and draining out clean and also dirty h2o.

Carpet extractors ought to be reduced movement, no matter what ailments a person perform beneath. Although you may by no means face water shortage, all organizations of this character should use h2o modestly. Furthermore, in the event that you have to just work at the customer's site, then you can have to be more careful concerning h2o use, specifically since damp worksites are usually rarely treasured. Carpet cleaners that utilize less drinking water aid in more quickly carpet drying out, hence eliminating problems which cause mould and also pest infestation.

Large ability carpeting shampooers possess one more function. They're also employed for cleansing rugs and also upholstery. Make sure you purchase rug cleansers with all the appropriate wands. Upholstery wands are more compact compared to carpet wands; they may be employed for cleaning couch addresses, sofas, child car seats, draperies, and rugs. Ideally, these kinds of wands are constructed with stainless steel for added sturdiness and also rust level of resistance.

Verify the actual hose duration and also quality too. The particular garden hose needs to be durable and also split proof and really should be lengthy sufficient to easily achieve the region required without having frequent relocating. Top quality carpet extractors have hoses which can be modified according to the measurements from the carpet.

The proper area rug cleansers tend to be an essential element of any carpet cleaning business and supply many years of program and also thousands of dollars within improved productivity. Daimer Industries is really a leading dealer of carpet cleaning gear. Daimer provides a full selection of best carpet cleaning such as floor covering extractors, carpet purifiers, floor covering shampooers and much more.

A growing number of carpet cleaning businesses are receiving set up together with each transferring day using the single aim of supplying professional carpet cleaning providers to people who require them.

Increasingly more carpet cleaning organizations are receiving established along with each and every passing day with the single aim of offering professional carpet cleaning services to be able to those that need these. The requirement with regard to specialist carpet cleaning may differ coming from one individual to another. Although some require this kind of services since they may have absolutely no time to do the actual cleaning on their own, others will believe they do not have the correct skills to do the actual washing; others may well not really feel motivated to completely clean the floor coverings, especially if they may be large.

Most of the people that elect to do the actual cleansing on their own have a tendency to ponder how to get the identical striking results since the professionals. The good news is this is achievable with all the correct equipment, the proper cleansing products and also the proper techniques utilized in carpet cleaning. http://carpetcleaningatlanta1.info First thing you have to do is actually decide the best products for the kind of stains or perhaps spots typically found on your own carpet. The best goods will definitely finish the same job carefully and also safely.

Second is always to realize the kinds of gear you need for that work. You will find all kinds of cleaning gear in the marketplace, some of which can be quite expensive. However, you'll be able to get the correct equipment at a reasonable fee simply by conducting easy online investigation. Once you've established the technique you would like to make use of to completely clean the carpet, it will be easier to find the right device because of it.

Lastly, it's important to learn the best cleaning processes to get your specific form of carpet thoroughly clean. Lots of people end up inside situations exactly where they have the best cleaning real estate agents as well as the right tools however have no idea the right techniques to execute a good career. The web is a superb tool to make use of for learning the best carpet cleaning strategies from the professionals themselves.

With one of these a few items in place, it really is easily possible to completely clean the carpeting similar to the professionals. In case you are not as well sure about your own abilities, always request specialist as it is quite inexpensive. Asian Carpet Attention NY, the NYC carpet cleaning organization, has been supplying knowledgeable as well as trustworthy carpet cleaning services to Ny before 2 full decades. Obtaining the highest, A+, score using the BETTER BUSINESS BUREAU, Asian Carpet Treatment NY had placed alone as a extremely expert as well as reliable Ny carpet cleaning company. Get a TOTALLY FREE On the internet Quotation or Phone Right now regarding additional information regarding our own carpet cleaning service.

It is crucial that you understand that if you're looking for a great carpet cleaning service, ensure that you validate their own popularity. Uncover what some other earlier customers need to point out concerning them. Go to: http://carpetcleaningatlanta1.info to learn more concerning tracking down an established carpet cleaning Altlanta ga. or simply study through the use of carpet cleaning Atlanta. Once you've it, check out his or her plan areas to find out whenever they possess insurance policy by which your home is situated. From then on contact the number to your region in addition to routine a scheduled appointment.

Thursday, December 15, 2011

the reason why you really should get a expert appliance repair provider Appliance Repair Chicago

Tips on hiring an appliance repair service

1. For just about any decisions concerning choosing a major appliance repair business, obtain referrals initially various appliance repair companies through folks as their viewpoints an individual believe in, similar to your relations and close friends that have acquired encounters in employing appliance repair products and services prior to
.

2. Take into account whether it is a lot more cost-effective to be able to just junk the applying for the brand new 1 than to obtain the idea fixed by way of expert. Cost-free estimates could be due to numerous appliance repair chicago
on the internet or higher the telephone. Because of this, you won't ought to ebook an actual support require a tech immediately and find incurred inflated fees for any straightforward mend you can perhaps carry out yourself. At this time, you can pre-judge if you should restoration or perhaps change your bad appliance
.

3. A different component that may help you to contemplate if you must use a specialist appliance repair pc professional would be the regular life-span of an appliance. Perform very little online investigation to determine in case your kitchen appliance could be also old if solving it's going to try to be the waste materials connected with cash in addition to time period
.

4. Using previous models of dishwashers, units, as well as refrigerators, that they generally have an even better good quality in relation to their particular inside pieces when compared with existing low-end products. Globalization provides come to having specific little aspects of numerous appliances to be stated in bulk in most spots in the world; this particular added for the generation of cheap, fairly low-quality internal elements. There are some very good and intensely long lasting old-model devices that could be well worth mending
.

5. A simple work connected with unplugging then pushing back an electronic machine will often clear the issue pertaining to slight electronic digital doesn't work properly on washers
.

6. Before you decide to locate a specialist appliance repair pc professional into the future in excess of and conduct the fix in your case, you might like to verify the various search engines regarding appliance repair guides that might describe the condition and also provide widespread do-it-yourself repairs. Online kitchen appliance instructions are generally no cost and may even provide you finish information on how you can complete small vehicle repairs regarding unique types of devices
.

7. For those who have your knack correctly and also will want to carry out specialized house maintenance by yourself, you will need to become an expert and also have on protection glasses and steel-toed safety shoes or boots. It is additionally common sense in order to unplug the appliance first before even thinking about unscrewing everything. Pointed sides exist inside dryers so that you should be very careful whenever implementing one particular
.

Why you should hire a professional appliance repair service?

Selecting an experienced to complete the appliance repair can keep people coming from losing your efforts tinkering with this functions of an house equipment you don't realize. Trying to repair it by yourself may lead to additional deterioration on the product. You can find a great number of affordable appliance repair companies currently being publicized on the net or perhaps within the phonebook. You possibly can often call the best one who can repair whichever deterioration machine you might have in the home
.

There are specific home appliance goods that could be more cost-effective to correct than to exchange. Microwaves, refrigerators, freezers, stoves, dryers, ranges, and many others. enhance our own regular lives; many of us sometimes also uncover comfort and ease by using them. Whenever they acquire broken or maybe stop working adequately, eliminating them without delay for a brand new 1 is probably not monetarily sound. You will find so many circumstances whereby the malfunctioning is incredibly moderate, and only a few minor corrections as well as straightforward vehicle repairs can make the product end up being just like brand new all over again
.

Experts who deliver property mend solutions can be purchased online or within the phonebook, as well as many are going to appear more than as well as consult an individual around the phone to present cost-free estimations in possible rates intended for solving a certain house equipment
.

What to look for when hiring a professional appliance repair service?

Inquire coming from relatives as well as friends initial for referrals. Those as their viewpoints people believe in are the top cause of information with regards to various other home appliance repair solutions they've already tried out before.

You might be sometimes the online appliance repair forum or maybe an on-line advert of a commercial appliance repair corporation, then you must ensure which it states “licensed as well as insured” to be able to make certain you are receiving the services at a skilled who have gone through any formal appliance repair training. The company’s talk about license must also be one more thing you will want to look for. The actual permit range really needs to be legitimate along with the insurance plan must be up-to-date. Furthermore, you must analysis precisely lengthy of which appliance repair company has been doing enterprise and also where destinations this works; a company with a lot of local history is often much more reliable since it should go through certain programs and keep their specialized standing in the marketplace. Yet another important things to never ignore although trying to find a appliance repair service will be set up business is usually shown in main web web directories just like the discolored internet pages, Search engines atlases, Bing community, and so on. The idea have to be outlined someplace; a very imprecise one might just be an unsophisticated new venture or possibly a con. You must likewise remember that appliance repair chicago
which usually publicise to a great extent may possibly demand so much higher than individuals small community people that will depend much less upon advertising and marketing but hefty around the word-of-mouth multiply of these beneficial restore services.

For those who have last but not least chosen which often appliance repair firm to go using, you might ask pointedly concerning the brand on the tech which will possibly be servicing an individual and also promptly ask to help talk to him or her 1st. Now, it's advocated that you simply question the actual technical assistant the time he / she have been restoring appliances. Supply the pc professional the important points in the trouble. Offer all the symptoms therefore that she or he can certainly visualize achievable reasons for the appliance crash. Your technician will in all probability offer many achievable causes for that machine issues also ahead of he / she features the opportunity to appear more than to your residence. And finally, require a appraisal with the restoration price after you have defined the condition. A professional pc professional is usually inclined to provide just one

It’s vital that you keep in mind that when you're looking for a good appliance repair company, be sure to verify their popularity. Discover what other previous clients need to state regarding them. Visit: www.aaaasc.com to learn more regarding finding a professional appliance repair in Chicago or just lookup through the use of appliance repair Chicago. After you have the site, have a look at their own program areas to determine if they possess protection where your property is located. Then phone the number to your area as well as routine an appointment.

Saturday, December 3, 2011

Forum Making Money

Friday, December 2, 2011

foreclosure law