Alot of you don't know this about me, but I have a serious issue with debt. I have alot of it, mostly from when I was younger. Today I was bored and looking around at various Debt Relief options, and found Freedom Debt Relief, which is a group who handles Debt Relief.

What they do is negotiate. What do I mean by this? From what I can glean on their site: They contact your creditors, and they negotiate a settlement on your behalf, dramtically reducing your payments and what you owe. Is this a good thing? Yes! If I had $40k in debt I might get it dropped to $20k. Thats over 50% of my debt gone thanks to these guys.

Basically the process works as thus:

1. You call them, or even email em, to get a consultation setup. They go through with you and figure out if they can help you, and apparently this takes as little as 10 minutes

2. They assist you in figuring out how much you can save each month towards paying off these debts, which will be placed in a bank account they help setup but you have control over. These amounts tend to be much less then what you would pay normally, which is always a good thing!

3. After you enroll, they start calling all the people you owe money to and then try to get them to call THEM rather then you. This means less "Hey you owe us money" calls. I hate those calls personally.

4. Once you have saved enough money they start trying to negotiate. Apparently the typical settlement they aim for is 50%.

5. After they pay off the creditor, you get a happy email saying Hey, we paid them for ya! They call it their Good News notification.

6. Finally, they contact the credit company to have them report that your account is now paid in full and in good standing, so to help your credit report.

They also have information on a few other debt relief options, such as Credit Counseling and Bankruptcy. Personally, after reading about Credit Counseling (they work for my creditors? Terrific!) I would personally not choose that. And Bankruptcy messes with your credit report badly. For example: If I had a bankruptcy claim on my credit report I might not have been allowed to join the College of Insurance program at work!

I honestly think that I am going to email these folks and see if they can help me with my student loans and other debt issues that I personally have. I would love to become debt free and I need some help in correcting it. I can't have debt forever ya know!

Ever want to buy Massage Chairs and didn't know where to go? Check out HumanTouch.com then. I got bored today and began to look at random websites (this is what happens when I am at work, instead of ya know, working), and found HumanTouch.com.

These guys specialize in fancy and high class massage chairs, the kind that make you go "Ooooooo", like you have your own in home Massage Therapist! Check out some of their models! I am partial to this bad boy. Check that baby out! Its got calf and thigh sections, its a recliner, and it acts as a normal every day recliner on top of everything else.

Can it get much better then that? If I ever won the lottery I would so own one of those. Seriously.

So, if you ever want to get a nice in home massage, but don't want to have to hire people to come out, then maybe you should think about getting a Human Touch Massage Chair. They stand for quality.

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Ever wonder what it would be like to live in the Hamptons? There is a site that specializes in realty, including North Fork real estate, which is a place located in the Upstate New York. I have often wondered what it would be like to be rich, wealthy, what have you and what sort of house I could buy and live in. I found a site, www.prudentialelliman.com, that deals with Real Estate, focused mainly on New York places. After scanning their website I found some fantastic homes and locations. One of my favorites is this home in Bridgehampton. Look at it! Its so...picturesque! The red of the home and the green verdant fields contrast so nicely with each other. And the hardwood. Just wow.

The price is of course high, but you pay for quality. They have tons of listing of places just like this, and while I doubt I will ever be able to afford such a place (I can dream though!) its nice to look and stare.

For those who CAN afford it though, and want to live in New York, this website can't be beat. Remember, its www.prudentialelliman.com. Check it out, and have a tour of what New York and Prudential Douglas Elliman have to offer you. You will not be disappointed.

Ever have issues actually saving money? I know I do. I am really bad about it actually. I try, in fact, to let my wife do most of the saving per paycheck while I buy our combined food and such. Some weeks it works, others it does not.

However, I recently found a site that deals with saving money, and helping you do so by way of things such as Auto Refinance, Mortgage Refinance, and even Student Loan Management. I have cruised around the site and found a few helpful tools in fact, such as a Debt to Income Ratio calculator, a College Savings Calculator and even a Auto Payment Calculator. Very handy stuff.

In the end, saving is important. I have decided to start saving $20 bucks a week myself so that I can build up a bank of cash for emergencies, because right now I don't have any. And I am sure that FinanceGenius.com will help me with other cost saving and money saving information.

Oh, and one more really nifty and handy section - Credit Score information and how it effects you.

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You ever wish you had a one and only someone? Yes, I am quoting Neil Diamond here. Back in the day, I was lonely, I am will admit I used dating sites. I tried Match.com, Yahoo Personals, ect. I never actually paid for em. I found it hard to find a matchmaking site that was decent and helpful. Recently, however, I ran into a site called Prime Dating Sites. They have links to some of the more major sites, such as Perfect Match, Chemistry.com, and Yahoo Personals. You can even send them questions if you have concerns or issues.

So, if, unlike me, you are lonely and need some lovin, check these guys out. Maybe you can find your "one and only someone".

I got lucky, I already found mine.

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Timber, lumber, wood. All words for the same thing, a building material. Why do I bring this up? Recently my mother emailed me, needing help with finding something. She wants to get a horse, and wants to build a nice barn for it. I found a site that deals with post & beam house, as well as various other projects and such. Everything they do is custom, and using high quality lumber and woods. Some of the styles they have on their website are very interseting.

For example, check out this barn they made for a place called the Ducker Estate, in Upstate New York. That is a quality building, and very nice. If I needed a barn, that is something that would be perfect. I doubt my mother needs something that large, but you get the idea. I showed this site to my dad and even he is impressed, and he has worked on construction and framing before.

So all in all, Vermont Timber Works is a fine place to find quality wood buildings. I am gonna email my mother right now, as this should fit her needs nicely.

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What is the Fafsa? Its the Free Application For Federal Student Aid. Its something all college students are familiar with, and in some cases despise. I know I did back when I had to do it. I always had trouble understanding the FAFSA form because its so freaking in depth. However, I found a site called FafsaOnline that helps deal with understanding the form and filling it out. It even has a special section on the site for tips and secrets of the form. An example of a tip: Reduce Your Adjusted Gross Income to get more Aid. How do they do this? Well they give a very in depth explanation of what they mean and how to do it. Or how about the "secret" of Get Rid of All Your Cash. Apparently, the more cash you have on hand the less you are probebly gonna get for a loan/aid/grants. It does make sense if you think about it. Personally I always hated how the FAFSA requires that my parents add their income to it because I no longer live with them. I wonder if I can get around that nonsense.

Oh! Check out this tip! Leave No Entry Blank. Apparently by leaving an entry blank you can or having an error can have your aid application rejected instantly. That would be a horrible thing to have to deal with.

Thankfully this site helps detail all this information and more for you. I didn't know this stuff before I visited FafsaOnline.com. So if you ever need help with filling out your FAFSA, check out FafsaOnline.com for assistance. I am betting you will learn things you never knew.

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I post alot about travelling don't I? Eh, its cause its always interesting to me. I also like finding deals, like deals on Las Vegas hotels for an example. Las Vegas has always interested me. Its a...bizarre place, full of madness and wonderment. I guess you could say its like a giant sleeping lion. Anyway, I found a site called, aptly, TravelHero.com. What does TravelHero do? Well, they help you find things such as hotel deals and rental car deals, and try to package them together to help save you money.

They also give you travel destination ideas, such as Sedona Arizona, which looks like a really awesome place to go. Basically the way the site works is you choose the city you wish to go to, and then it finds hotels and deals around that city. You can book online or by calling. Its an all around good website, and I personally will use it.

So check out TravelHero for your next trip. You won't be disappointed.

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Do you know where I would love to go one day? I would love to go to Key West one day. Why Key West you ask? Well, for a couple of major reasons. Firstly, I have never really been down south in Florida. I have lived here most of my life but have never been. Also, I would want to visit Margaritaville (yes I like Jimmy Buffett) and check out the historic area's. Perhaps visit some haunted houses.

Originally my honeymoon plans had been a road trip, with a stop in Key West so Jan could watch the sunrise over the Beach, but sadly our trip never happened. So lately I have been pondering (since I have a prepaid card) about taking some time off and taking her down there.

I found a nice site called Trusted Tours and Attractions, which deals with doing tours and such around various area's such as San Deigo, Savannah, and even Key West. For example, they have a really cool looking Conch Tour, which is a train tour around the Old Town of Key West, to see things like the Hemmingway House and various other places. I am a bit of a history nerd sometimes.

Then there is the Shipwreck HISTOREUM Museum of Key West, which deals with the history of Shipwreaking and how it was an actual industry. Heck, I didn't even know that till right now. See, already learning stuff. And they have a navel base down in Key West which I would love to visit if I could. I doubt they would let me though, with all the increased security.

All in all, Trusted Tours and Attractions is a very nice website with deals and steals regarding tours. They even have their own newsletter. I think I am gonna sign up for that, and you should too.

Also, check this out: Anyone who signs up for the Newsletter is automatically entered to win 4 free tickets to tours in a city of their choice. But this offer ends Friday, December 14th, 2007, so if you are gonna get in on it like me, I would sign up. I would pick Key West myself.



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I know I have talked about CouponChief.com before, and it was in reference to holiday gift ideas. Well recently my dads birthday has passed (September 18th to be exact!) and I was thinking about what I could get my mother for Xmas, and what I could get my wife Jan, and my roomate Jess.

So I got around to browsing CouponChief.com for different deals I could use to help me out. Recently me and Jan bought her a new PC, and got a 17 inch widescreen monitor. She isnt the happiest with it, and I found a Tiger Direct Coupon for a 19in LCD Flat Panel monitor for $139 bucks. Thats a NICE deal, and I may be able to swing that this week off my paycheck! :D

For my roomate Jess, its more difficult. She is an oddball like me (HI JESS LOL) so its tricky to think of what I could possibly get her... Blah says I! So I thought, and hey, why dont I get her some headphones with a mic on em! Wal-Mart.com has coupons for free shipping on electronics if I have it shipped to a store. There is one down the stree from my house so thats prefect! :D

And finally my mother. I like to combine her birthday and xmas into one thing for her. Its never easy, but my mother is at least a music lover! So, once again found on Coupon Chief, I found Music Space.com Coupon's for 15% off my order of CD's! I can get her a crapton of Jimmy Buffett! :D She will be all OMIGOSH AWESOME :D

I think my revised list is MUCH better.... And I am really lookin at that monitor. Perhaps I shall go talk to my dad tonight ;) We can get that baby shipped right ot his work and give it to her early :D

So, my dad has recently asked me for some help via email. He wants to do some lighting in his Workshop at his job. Its something similar to a garage and storage shed, holds alot of his tools and things for work, and he does alot of pump repairs and rebuilds.

He asked me to find sites that dealt with lighting and storage. I found one that deals with garage lighting which I think may just be the thing in question. I was checking out the site and its got alot of variety with offerings for things that could help him out. Its got storage sheds, cabinets, and lighting options in all shapes sizes and varieties. Its really a good site if you need that sort of thing. I personally dont (living in an apartment) but people like my father do, cause while he may not work on cars, he does do alot of hands on stuff.

He really needs some high powered and bright lights so he can see the small parts of his pumps. And that site has those in spades.

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I really do. I hate it with a fiery passion that burns all, as hot as a thousand MOONS says I! I know that makes little sense but hey, I go with what works, which is to say nothing at all. Regardless, I am here to talk about backups. Similar to my last post dealing with storage issues, I have to ask: How do you back up your stuff?

Old school Floppy? Perhaps CD Rom / DVD. I myself dont, which is bad I suppose. I really should. I started getting bored and looking around and found this site, called Anytime@Anywhere offsite backup. Basically, its an online backup system for either personal OR business use.

Got some pictures and music you want stored, and you need to format? Pay these guys and back it up so you dont have to go hunting out for DVD's and such. Then, once you are back up and working, simply redownload it. Nice. I hate having to buy a pack of CD's for just 1. One of the many reasons I dont burn music CD's :P If you are a business or have a personal business, you could use this to store your important documents so that way if you ever get a virus, well, you aint gotta worry ;) I would use it, if I ever needed to. I mean, the plans start at 5gigs worth of backup space for $10 a month. Thats not too expensive. 10 gigs is $20 bucks of course. Thats alot of space! So, if you have important documents that you need saved, and dont want to run the risk of losing a DVD, or getting a horrible virus, I suggest giving these guys a try.

And thats the Shiny Truth!

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Cause I don't. I know alot of people have thumbdrives. They are nice, for moving files around. Generally, if I want to move something from work to home, or from home to work, I am stuck either using my gmail account, or burning it to a disc. Its annoying. However, I recently found a file sharing system called, interestingly enough:
.

Its an interesting system, similar to Yousendit (although it appears to be easier to use and more fully featured then YouSendIt).

Firstly there are 2 ways you can go about using the system. You can either download and install a desktop plugin, or use the web based system. Using the plugin allows you to simply right click on the file or folders (up to 500 mb in size), and then choose Make Link which will upload it to the servers and provide you with a link to the file. This is handy as it makes uploading pretty hassel free. I mean come on, its easy to right click!

The web based system is pretty standard compared to most web based systems. You log into your Driveway account (which is free) and then upload your files, even adding descriptive text to them if needed. Its a nice website. It also boasts up to 2 gigs of storage space online, and has a strange widget system. I am not sure exactly WHAT widgets are, but they appear to bit itty bitty pictures that represent your file types.. Heck if I know :) Looks cool though. And apparently you can embed the widgets into things like your blogs and websites! So hey, screw LJ's small file stash. Just make a whole bunch of links on Driveway and BAM! Share away!

I think I am gonna use this to move some music over here to my work PC. I could use the Subway to Sally "Engelkrieger" LP over here. Nice German Metal FTW!



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So, for those of you who remember, 3 months ago, on May 13th, I was married to my wonderful and beautiful wife commenting. For those of you who dont know, for our Honeymoon, we went to Tampa, stayed in the Hard Rock Hotel and Casino for one night, and went to Busch Gardens.

I spent alot of time prior to our wedding, once we realized what we could do, trying to find the best price for the room. Everywhere I went, I was looking at prices around $300 dollars for the room. We wanted the best of the best room. I ended up just ordering directly from the website. I tried Orbitz, and Priceline. Nothing wowed me.

Well today I heard about Hotel Reservations.com. After viewing the site, I am rather impressed actually with the features and uses it has. The pages are easier to read for one, at least for me. I cant stand all that flash nonsense. Easy colour scheme and easy layout are a few more features. My one complaint? Everything is small. But I got a big monitor so that doesn't bother me much.

Another handy feature. Each page for a hotel has a button for Auto Bookmarking that page. For me, its not that huge as I know how to work a PC, but for people like my mother, it is loads of help as she has NO idea how to manually favorites things. Of course, it also has a section for use that details vacation packages, which is a very nice feature as well. The phone numbers for customer support are very visable and easy to find as well, and appear multiple times on every page. Being in a customer service position, that is a very very nice thing for these folks to do. I would hate to have to hunt around for information. All in All, next time I go to find a hotel, or plan a trip, I am gonna use Hotel Reservations.com.

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