Owner: Everything Finance URL:http://www.everythingfinanceblog.com/ Join Date: Sun, 04 Mar 2007 20:06:29 -0600 Rating:0 Site Description: I spend a lot of time looking for money saving tips, finding ways to make more money, simplify my life with websites and software, and, last but not least, work on becoming a successful homeowner. Site statistics:Click here
India to outsource paperwork to American firm 2007-03-05 02:48:00 LA Times is reporting ....India
to outsource paperwork
to American
firmBy David Colker, Times Staff Writer11:47 AM PST, March 2, 2007India has taken thousands of American jobs through outsourcing. Now it's giving a few back.The Indian government plans to outsource processing of visas (visitor documents, not the credit cards) from its embassy in Washington to an American-based company.A top embassy official wouldn't say whether the 40 staffers who do the jobs now would be laid off. Many of them are Indian nationals. "We are not going to let too many go," said Gautam Bambawale, head of political affairs at the embassy.UC Berkeley professor Harley Shaiken, who specializes in labor issues, said the move "is really a man bites dog kind of story. It's a small irony in an otherwise serious situation."He said outsourcing of tech help lines, accounting work and even medical procedures played a significant role in the $11.7-billion U.S. trade deficit with India last year."It's nice to know t
The Secret... 2007-03-04 15:43:00 Being an avid watcher of the The Oprah Winfrey Show, my wife often tells me stories of what she saw on the show. Usually I don't really pay attention to them, but this one made me think a little...The Secret.From what I got from it, if you think positive, positive things will happen to you, same goes for negative stuff. Being a highly optimistic person, I already knew this. But maybe this might help other people. So here are a few excerpts from the show, that I think make some sense.The Secret is defined as the law of attraction, which states that like attracts like. The concept says that the energy you put into the world—both good and bad—is exactly what comes back to you. This means you create the circumstances of your life with the choices you make every day.There is scientific evidence to back up the spiritual practices and laws defined in The Secret. "Science tells us that everything is energy, and so your thoughts are energy. Your body, your cash, your car—everything you t
And now...the Mega Millions jackpot is 267 Million !! 2007-03-02 15:51:00 Since nobody won the Mega millions jackpot in the last drawing...the prize amount has now swelled to 267 Million dollars.It seems at the last drawing...Eighteen ticket holders came very close this past Tuesday, matching the first five numbers and missing only the power ball.Again...Mega Million tickets are sold are Virginia and Maryland and other states: Massachusetts, New York, New Jersey,Georgia, Washington, Michigan, Illinois, Texas, California and Ohio.Another piece of information, the odds of winning the Mega Millions Jackpot on any given day are 1-in-175,711,536, according to the Mega Millions Web site. So you might want to buy more than one ticket.Mega Millions is no stranger to exciting jackpots. On May 9, 2000, the jackpot for the Big Game (the forerunner of Mega Millions) grew to $363 million. There were two winning tickets in that drawing: one in Michigan and one in Illinois. That jackpot still holds the record as the largest Mega Millions / Big
Few seconds before the tsunami... 2007-03-02 14:08:00 This picture was taken on the banks of Sumatra Island (the height of the WA v e was of approx. 32 m = 105 ft).It was found saved in a digital camera, one and a half month after the disaster.We cannot know for sure, but very likely the one who took the picture is not alive any more (it was just a matter of seconds).
Read more:tsunami
Keeping Cash Under My Mattress..makes sense ! 2007-03-01 14:25:00 If growing up in India taught me anything, its that CASH IS KING !We always saved up the cash first and then bought stuff, no credit cards. Well thats not true anymore, not even in India ! When my wife and I moved to the Unites States and started living in Ohio, we became so used to debit and credit cards, that we never carried cash...we didnt have to! Then we had this ice storm, and the power got knocked out. So no heat, no internet, no phone in my case because I had a VOIP phone..just a cell phone. Well, you can always drive to the nearest ATM and get cash, but the ATM need power too! So when I read this article on the Simple Dollar blog, it made a lot of sense to keep some cash in the home, in the event of ...the unexpected !Trent@Simple Dollar blog wrote:It’s true. After all the financial advice I give out on this site, I keep a decent amount of cash “under my mattress” (actually, it’s in another secure place in my home, but it’s effectively the same thing). At first, t Read more:makes
, Mattress
Grow your Income in 5 ways 2007-02-28 16:50:00 Even though most of the suggestions made in this article do not apply ot me, there may be others who might learn something from it.This article has been written by David Bach who has written many best seller books like Start Late, Finish Rich: A No-Fail Plan for Achieving Financial Freedom at Any Age and The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish RichFive Ways to Grow Your Income
by 20 PercentPosted on Monday, February 26, 2007, 3:00AM One of the things I like most about the new Yahoo! Finance format is the immediate feedback I get from readers. Just last month, my column "Five Ways to Save $2,500 in 20 Minutes" received enormous positive feedback. I also received comments from concerned readers who basically said, "Your ideas won't work for me -- what else can I do to stop living from paycheck to paycheck?" These readers certainly aren't alone. I completely understand that too many people today simply can't make ends meet with the salary they're
Mega Millions worth 216 Million dollars !!! 2007-02-27 22:50:00 Do you play the lottery ? If yes, do you play the Mega millions game? If not, you should because as of tonite, the Mega millions lottery is worth $216 million.Thats right ...216 MillionThat dream you have? You know, the one where you tell off your boss, buy the big house, tool around town in an expensive Italian sports car? rIt might just come true.Of course, your odds of winning are pretty low, because its been played in 12 states across the country, still ...no harm in dreaming :)If you want ot know more about how to play this game , you can visit this website
Read more:dollars
Brutal day on Wall Street ! 2007-02-27 22:25:00 Today, the stock market took a real beating! Every index (DOW, Nasdaq, S&P) went down at least 3%.I'm sure it wont be a pretty picture in my 401K account tomorrow. Hope the stock market recovers soon.Below is a news article explaining the blood shed.NEW YORKThe Dow Jones industrial average was down more than 500 points with about an hour of trading left today but then gained about 100 of it back. The Nasdaq Composite fell more than 100.A 9 percent slide in Chinese stocks, which came a day after investors sent Shanghai's benchmark index to a record high close, set the tone for U.S. trading.Investors' confidence was knocked down further by data showing that the economy may be decelerating more than anticipated. A Commerce Department report that orders for durable goods in January dropped by the largest amount in three months exacerbated jitters about the direction of the U.S. economy, which were raised a day earlier when former Federal Reserve Chairman Alan Greenspan said the Unit Read more:Street
, Wall Street
The Ebay of Loans 2007-02-27 00:38:00 Prosper.com links individual lenders to individual borrowers. It strips out some middleman costs but not default risk.Year-old Prosper functions as an online way station where borrowers and lenders can arrange three-year loans of up to $25,000, at rates three to five percentage points lower than what credit cards charge (see table). Its a-rated borrowers pay an average 8.8% yearly, versus 11.8% for a fixed-rate credit card and 13.8% for a variable-rate card. They could get even better rates, along with tax deductions, if they tapped home equity, but many Prosper borrowers don't own a home.The San Francisco site provides credit checks of borrowers via Experian and posts their ratings (ranging from AA to HR, for "high risk") with their profiles online. Bids are for interest rates, and the lowest ones win among sometimes dozens of bidders. Borrowers post a requested rate on their Web profiles, mostly in line with their credit rating.The winning bidders' money, usually in smal Read more:Loans
Celebrate the festival of colours with Reliance India Call "Rang de 2007-02-26 21:52:00 Got this email today...more savings...YE ! Dear CustomerIt is the season of colours. It is the season of fun, frolic and anofficial license to be naughty. Make your Holi even more colourful bysharing the joys of Holi with your loved ones through our Rang de offer.On account of the Rang de offer, enjoy 10% discount on monthly bill(maximum upto $50). The offer is valid from 1st March 2007 00:00 hrsIST.upto 31st March 2007 23:59 hrs ISTRang de your family and friends by telling them about this wonderful offerand helping them register with RelianceIndia
Call. Share the colorfulmoments with the same crystal clear voice and other advantages that areunique to Reliance India Call. However, please read terms and conditionscarefully before signing up.In case of any queries you may log on to our websitewww.relianceindiacall.com or contact our 24X7 Customer Care Service1-888-6-RELIANCE (1-888-673-5426).Assuring you of an impeccable service and innovative offerings on anongoing basis.Regards,Rel Read more:Celebrate
Convert EB3 to EB2 ...is it possible ? 2007-02-26 19:19:00 A colleague and I were talking about how slow the retrogression for I-485 is progressing and he brought up a point about how EB2 category priority date is moving much faster than EB3, currently Jan 2003 as opposed to May 2001 for EB3.So we were wondering if we could convert our EB3 filing to EB2 because the requirement for filing in the EB2 category is that you should have a work experience of at least 5 years.At this point I do have 6 years experience.But after doing a little more research, our hopes were destroyed :)Here is the Murthy forums post that talks about it.So we have no choice but to wait for our EB3 Priority Date to become current...bummer !
Read more:Convert
Nice Phrases ! 2007-02-25 03:21:00 Today my mother told me these nice words, when we had our weekly India telephone call, that I thought of sharing.Dream is not what you see in sleep...Dream is the thing that doesn't let you sleep !--> Abdul Kalam (President of India)Where there is silence, there is God.--> Mother Teresa
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Access your PC from anywhere...for FREE ! 2007-02-23 19:14:00 I came across this new FREE service a few months ago and have been using it with great success.LogMeIn Free gives you fast, easy remote access to your PC. All you need is an Internet Connection and a browser.When I was in India, I was constantly using LogmeIn to access my HomePC here in Atlanta, to check my Outlook work mail, run updates etc. It works exactly like Remote Desktop Connection and it is very secure.The speed was really good too even when I used a dialup connection.Sign up for a free LogMeIn account
Read more:Access
How to choose Funds in your 401K 2007-02-21 21:15:00 I came across this excellent article about choosing funds in 401k on Morningstar.comHow Not to be Overwhelmed by Your 401(k)Even if you've got a big menu of choices, there's no reason to be weighed down.By Christopher Davis | 02-20-07 | 06:00 AM |Because I work at Morningstar, a lot of family and friends ask me to make recommendations for their 401(k) plans. I'm always glad to help, of course. After all, I want those that I care about to make good choices for themselves, financially and otherwise. I also think of it as an opportunity to step into the shoes of a more typical investor and see what they're up against.If my friend Oscar's experience is any indication, many investors face a bewildering number of choices in their 401(k) lineups. Oscar recently asked me to help him pick investments for his first 401(k) plan, and he was overwhelmed. I couldn't really blame him. His employer gave him a long list of funds to choose
from--36 in all--that would have taken an awful lot of tim Read more:Funds
Starting 2007, Extended Daylight Savings 2007-02-20 15:17:00 Beginning in 2007, daylight saving time (DST) will be extended in the United States. DST will start three weeks earlier on March 11, 2007, and end one week later on November 4, 2007. This results in a new DST period that is four weeks longer than previously observed. Unless certain updates are applied to your computer, it is possible that the time zone settings for your computer's system clock may be incorrect during this four week period. In particular, you must make sure that both your Windows operating system and your calendar programs are updated.Do I have to update my computer?Home users: If you use Windows Vista or have Automatic Updates turned on, you may not be affected by the change in daylight saving time. If you want to confirm, follow the steps in the Daylight
Saving Time Update Guide below.IT professionals and IT managers:The Daylight Saving Time Update Guide below will quickly lead you to KB articles and downloads for the products you specify in the guide.Daylight Saving Read more:Extended
, Savings
XM-Sirius announce Merger 2007-02-20 00:46:00 Actually, Sirius
(SIRI) is buying XM (XMSR) for 4.5 billion dollars !Since I bought Siruis stock last year, the stock price has been going down. I hope this will boost the stock price.Here is a link to the merger announcement article
Read more:Merger
Watching My Cell phone Minutes 2007-02-18 16:58:00 Found this interesting (Windows Only) application on MyMoneyBlog.Freeware system tray app WatchMyCell logs into your cell phone
account and keeps a watchful eye on how many minutes you've used for the month.Just download and install the program, set it up with your provider (currently supports Cingular, Verizon, T-mobile, Sprint, and Nextel), then define your rules for how soon you'd like to be alerted of your dwindling minutes and what form you'd like that alert to take (email or SMS).Download: WatchMyCellSource: Lifehacker
Read more:Watching
No movement in EB3 Retrogression 2007-02-17 15:23:00 Still No Movement for EB CategoriesThe U.S. Department of State (DOS) Visa Bulletin for March 2007 is identical to the January and February 2007 Visa Bulletins for the Employment-Based categories. It also contained a prediction with respect to EB3, stating that little, if any, forward movement
is expected in the near future. In fact, it is possible that EB3 will retrogress even further. As a quick reference, the contents of the Visa Bulletin are summarized below. All countries have cutoff dates. India remains at May 8, 2001 and Mexico is at May 15, 2001. China, the Philippines, and worldwide continue to have cutoff dates of August 1, 2002.As stated, the Visa Bulletin predicts that EB3 is unlikely to move forward in the near future, and that any potential forward movement will be small. The DOS notes that the demand for visa numbers with priority dates before the August 2002 cutoff is expected to remain high, because both the Department of Labor (DOL) and the USCIS are working to clear Read more:Retrogression
Nice Money Blog ! 2007-02-17 15:15:00 I came across a nice blog that talks about how we can save and invest our money.The author has put his own portfolio on it and talks about his own personal goal of making 1 million dollars.There are some interesting ideas about which credit cards to use, how to make more money and much more.Interesting!Mymoneyblog
Read more:Money
Mega Millions jackpot swells to record $370 million 2007-03-07 00:25:00 • Drawing for 12-state lottery moved to New York's Times Square• $370 million
is record for Mega Millions game• Odds of winning jackpot 1 in 176 million• Drawing at 11 p.m. ETNEW YORK (AP) -- Lottery machines cranked out tickets at a dizzying rate Tuesday as the multistate Mega Millions game drew bettors with a jackpot estimated at a record $370 million.Because of the huge prize and publicity, the 12 participating states agreed to move Tuesday night's drawing from the game's usual home in Atlanta to New York's Times Square.Two winners split a $363 million jackpot in 2000 when Mega Millions was known as the seven-state Big Game. (Travel, mansions, education -- how people would spend jackpot)The competing Powerball game -- available in 29 states, the District of Columbia and the U.S. Virgin Islands -- has the record for the largest single winner with $314.9 million, on Christmas Day.The odds of winning the Mega Millions jackpot are about 1 in 176 million.At the small Fountain Read more:swells
Coupons for shopping Online.. 2007-03-07 14:15:00 Motley Fool has this article about being a smart online shopper. Here are few sites that might be of help to us.CouponCactus.com, is a site that offers discounts at many online vendors. Just by going through the CouponCactus website, you can get 20% off your purchase at 1-800-Flowers.com, or $50 off certain purchases from iRobot (Nasdaq: IRBT). You can also accrue cash-back rewards on many purchases, such as 2% back on Overstock.com (Nasdaq: OSTK) purchases. A similar outfit is FatWallet.com, featuring discounts such as an $18 cash-back reward from Netflix (Nasdaq: NFLX), 9% back from various gardening suppliers, 3% back on purchases at eBay's (Nasdaq: EBAY) Half.com, and 6% back from Foot Locker purchases. At FreeShipping.com, you pay for a membership and can get up to $500 of the shipping costs you pay online refunded each year. There are many merchants on the company's roster, such as Best Buy (NYSE: BBY), Amazon.com (Nasdaq: AMZN), and Dell (Nasdaq: DELL). Another option you ha Read more:Coupons
, shopping Online
LinkedIn - Review 2007-03-08 16:35:00 This what the website says you can do:LinkedIn
is a place to find and leverage professional opportunities, now and throughout your career. LinkedIn enables you to: Present yourself and your professional capabilitiesFind and reconnect with colleagues and classmatesLeverage powerful tools to find and reach the people you needBuild a powerful network of trusted professionalsDiscover professional relationships and opportunitiesTap into inside connections and informationGet the edge that gives you competitive advantage There are already 9 million professionals in the LinkedIn Network and that number is growing fast. Whether you seek a job, a hire, a reference, a sales lead, an expert, or an inside connection at one of 50,000 companies, LinkedIn is an irreplaceable resource for building your professional relationships and achieving your goals.This is what other people are saying:A more common option for beginners is to search for current and former colleagues and contacts already lin
Best Time to buy... anything ! 2007-03-09 14:00:00 Air conditionersBest time: winterCommon sense prevails in the air-conditioner market, according to Diane Ritchey, editor of Home Appliance Magazine. "Think about when they're most in use: May through September. People feel the heat and they start to buy. The stock gets depleted, the demand is higher and so is the price. When cool weather comes around, most people just aren't into air conditioner purchasing, so the demand drops, as does the price," she says.Big appliancesBest time: September and OctoberJust like the fall clothing influx, new models of major appliance models such as ranges and washing machines hit showroom floors in September and October, says Home Appliance Magazine's Ritchey. About the same time, last year's models go on sale to make room."Critical timing and seeing the patterns of the retail world can make a huge difference in appliance shopping," Ritchey says.Bicycles and outdoor gearBest time: January"If you want the newest stuff, the time to look is in February Read more:anything
, Best Time
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