Helpful Ways to Find Things You Lose

We all get busy with so many things in our everyday lives. Many times we misplace the items that we need or use the most. There are several ways that we can increase the odds of finding items that we have lost or misplaced. There are easy no cost ways to prevent losing items or finding them and there are low cost gizmos available to help us out. Try a few of these:

Keys - If you tend lose or misplace your keys (we have all done this at least once) then perhaps a Key Finder would work for you. They contain a transmitter and receiver that send out a beacon directing you straight to its location. So check out the KeyRinger device at KeyRinger.com. It costs a small fee. You attach the locating device to your keys, and when they are lost, all you have to do is press a button on the locater, and your keys will beep and flash from up to 300 feet away. Another one to try is FindOneFindAll.com. You can also use these to find other objects like your remote!

Cellphone - How many times have you lost your cellphone around the house, garage or yard? If you don't have another phone handy to call it and hear it ring, then go to WheresMyCellphone.com or PhoneMyPhone.com and enter your cell number and your phone will ring! Then you can follow the sound right to its nearby location. Here is another helpful hint...Put your contact information on your cellphone wallpaper along with the words "Please return this phone to... just in case you leave it in a public place like a restaurant.

Car - How many times have you lost your car in a parking lot because you forgot where you parked? Well now there is a little gizmo available to help you with that issue too. Check out the C-Car Finding Keychain at: X-tremeGeek.com. It costs about $4 and uses a compass to lock in your car's location and then direct you back to your car. How about a free method to help you find your car...With your cellphone, take a picture of your car and any other identifiable landmarks or parking aisle numbers. When it is time to go to your car, then look at the picture you took on your cellphone and your car is found!

Wallet - Experts say that the best way to ensure your wallet is returned when lost, is to make sure you have a lot of family pictures in your wallet. Apparently wallets with baby photos are returned to their owners 88% of the time and those with family photos returned 50% of the time but those without any photos, were only returned 15% of the time. So make sure you have a cute baby photo in your wallet to increase the odds of it being returned if lost!
You can also use one of the locating devices mentioned here for your wallet.

Lost your Mind - You are so busy that sometimes you feel like you lost your mind and you can't remember what you are suppose to do next? Well don't fret because there is something available to help you find that too! Now you can set a reminder for yourself with the help of a free service at: textmemos.com. Register for a free account and then set your schedule of reminders for the day, month or year. You will receive a text message reminding you of what to do next and you will never forget an important occasion or feel like you lost your mind. You can even have your remindes emailed to you or posted on your Twitter account. You can also send your reminder messages to a friend. If you have a Yahoo Calendar or Google Calendar you can do the same thing with those.

Get the Help You Need Without Spending a Lot of Money or Leaving Home!

Now you can get the important help you need for your small matters without leaving home or spending a lot of money! There are so many helpful websites with free or low cost advice from professionals who are willing to share their expertise and assist in a pinch. For Example: Do you have a quick legal question but don't know any lawyers? Do you have a question about depression but don't want to see a therapist? Not sure if you need a mechanic for a car problem?

Well you don't have to waste a lot of time hunting for answers or spend a lot of money. You can get the answers you need at home online. Just take a look at some of these great websites!

Get a Lawyer's response without the big fee!

You can get free legal advice at: FreeAdvice.com or LawGuru.com. You can send an email and get a response within a few minutes or up to a day. If you need an even more detailed answer you can go to WorldLawDirect.com and have an attorney contact you within 24 hours for just $9.95.

Talk to a therapist without leaving home!

If you don't want to see a therapist face to face to get an answer or advice on a problem, then go to Psychology.com or eTherapistsOnline.com and converse over email or instant messaging. For a half hour session fees are only around $30.

Get assistance from a mechanic!

Having car trouble and just want to ask a question or two without a big fee? Go to 2CarPros.com and get an answer from a certified auto mechanic. Response time could take awhile since it is free but if you want to make a small donation you could get a response quicker...say within 24 hrs. You can also go to JustAnswer.com and list how much you are willing to pay for their advice and you will get a quick response many times within minutes, from a certified mechanic.

Need one on one tutoring without the big fee?

Do you or your child have a math problem or reading problem and need some homework help? Many cities offer free online tutoring to any child or person that has a public library card. Ask your local library if they participate or look on your local library's website. If they do, then enter your public library card number for immediate help. Some that do are: Clark County Library, San Jose public library, Ohio public library, Alabama public library and Burbank Central library. You can also download for free the best selling audio digital titles to your mp3 player, pc or PDA with your public library card and PIN.

Want a virtual doctor house call?

Do you have a symptom that you need help with or not sure if you should see a doctor? Go to FreeMD.com. Tell the virtual doctor what your symptoms are or what you need help with. You will also have to give the doctor a little medical history and will be asked a few quesions. The doctor will provide you with a possible diagnosis and treatment, based on your answers to the questions and medical history. If the virtual doctor thinks you need to visit a doctor's office, the virtual doctor will tell you that too.

Not sure if your pet needs to see a vet?

Sometimes it is difficult to tell if your pet needs to see the vet. You may not want to make that trip for the office consultation for $40 or more. Now you can get advice online by going to AskAVetQuestion.com. A board certified vet will give you up-to-the-minute advice for just $5. Just type in your question or pet's symptoms and you will get a response within a few minutes or up to a few hours. You can also get same day online consultations and personalized diagnosis at OnlineVetClinic.com for just $4.95!

4 Steps Towards Improving Credit

It seems as if 2010 will be the year when everyone finally focuses on improving their credit. With the current economic situation, it is more important now than ever to become more educated about credit card companies, credit and credit scores. In December 2008, Congress passed new credit card laws to change many practices of the credit card industry which had been seen as unfair to cardholders. For more detailed information on this new law go to: http://www.creditcards.com/credit-card-news/obama-signs-credit-card-law-1282.php or www.bankrate.com

Step 1 – get your current credit snapshot. If you were beginning a diet you wouldn't guess at your weight right? It's the same with credit; it's important to know your starting point. So get a credit snapshot by obtaining a free copy of your credit report from each of the three major credit agencies at: www.annualcreditreport.com. You can also purchase your FICO score for a small fee from one of the three credit agencies from the same website.

Step 2 – get smart. Unless you are a dietitian, you probably wouldn't create a diet that you knew would guarantee success. So, unless you are a credit expert, don't go about trying to improve your credit blindly. Start by understanding the basic do's and don'ts of credit management. myFICO.com has a wealth of credit education that can help you become knowledgeable about managing your credit.

Step 3 – build your plan. After you've become knowledgeable, then you can really attack your credit problems. You will have your credit report, score and history length and payment to build your plan. Your payment history is one of the biggest components of your FICO score so you really need to focus on keeping current with all of your bills. Understanding how to deal with each credit problem starts with education and continues with a well conceived plan.

Step 4 – check your status. You'd be surprised to know how many people only check on their credit when making a major purchase. If there's a problem, finding out just before a purchase doesn't leave much time to fix the problem. You'd likely step on the scale every couple of days to see if your diet is working, right? Do the same with your credit, especially if you've created an improvement plan. It is recommended to check your credit twice a year and at least 6 months before making a major purchase.




Source:http://www.myfico.com/crediteducation/questions/Improve-Credit-Score.aspx?LPID=FICO337&cm_mmc=yesmail-_-newsletter-_-January2010-_-FAQ1

Want Free Stuff?

In this challenging economy, now more than ever it is very important that we all get the best deal for our dollar. Getting something of value for FREE is an even better deal right? If you think freebies are too good to be true, then think again! There are so many no-strings-attached, no-cost goodies to be found online. I personally have taken advantage of so many of the freebie deals available online. Many of them are not advertised, so I wanted to share a list of them here on my blog. If you want free stuff, then here is a list of deal-finding sites that provide items of value or services for FREE:

Free Shipping.org - A list of free shipping codes for major retailers

Amazon.com, Walmart.com and mp3.com - All these sites have free music downloads on all kinds of music. Just search for free music downloads

HeyItsFree.net - All kinds of free items

FreeStuff.com - All kinds of free items

Buxr.com - All kinds of free items

Mysavings.com - Free samples, free stuff from A-Z and coupons

Sephora.com - Offers free weekly specials with free cosmetic gifts with each order

Origins.com - Every first time customer is treated to a free facial. Plus Origins will give you a free week's supply of any product before you buy

MyKidsEatFree.com, KidsEatFree.com and MommySavers.com - Free restaurant meal offers for kids... by area

FreeBirthdayTreats.com - Birthday giveaways, free birthday meals, free birthday desserts

SilverJewelryClub.com or MyFreeSilverJewelry.com - They offer earrings, rings and more at not charge

ShopDi.com - Search for free jewelry

HouseParty.com - Lots of free goodies and all you have to do is host a product party and invite friends to check out the merchandise

WalMart.com - Free samples weekly

CoverGirl.com - Free offers for cosmetics

WildGames.com - Find software that lets you search for video games online and play them for free

FreewareGames.net - Play the hottest online games for free

MomsView.com - Deals and online coupons

Tropicalbreezefragrance.com - Free men's fragrance sample

Moodflow.com - Free wallpaper and music for your computer

Petmassage.com - Free 26 minutes of audio download on the benefits of pet massage

AnnualCreditReport.com - Only true free credit report site

This list consists of only a few of the free and online deal sites that are available. There are many more that are not advertised but these are a good start. So check these sites out and get your share of the free stuff today!

Three Essentials to Happiness

Did you know that there really are only three essentials to happiness? They are pretty simple when you think about it.

1. Something to do....such as a job, sport or hobby you enjoy
2. Something to love.... such as your family, friend, pet or home
3. Something to hope for....such as whatever your dream is

We all have the ability to do something, love something and hope for something. So think about what you have to do, to love and to hope for and you will realize that you have so much happiness to give and to live. One smile can brighten someone's spirits. One word can improve someone's whole outlook. And, one act of kindness can provide happiness to both of you in a way you didn't see coming. Your time and energy are too precious to spend on anything but happiness. Your life will be much easier to endure when you let out your inner joy.

Remember that the really happy person, is one who can enjoy the scenery when on a detour!

Have a happy day!

State of Nevada Releases Names of Legal Loan Modification Companies

Here in Nevada as well as all across the country, many people are using loan modification companies to help them stay in their home. A legal loan modification company will mediate between borrows and lenders regarding a mortgage loan and will not charge upfront fees. These companies are also referred to as debt settlement companies or debt consolidation companies. A loan modification will do one or a combination of the following: decrease monthly payments, lower interest rate or extend the term of the loan, to ultimately avoid foreclosure and save the home. Unfortunately, there a too many illegal loan modification companies and scams taking advantage of desparate homeowners. Therefore, consumers need to be aware of this situation and make sure they are protected.

The state of Nevada has released a list of 28 companies they say are legally conducting loan modification businesses. A new state law forces those companies to carry a $75,000 surety bond which is meant to protect consumers. The Nevada Division of Mortgage Lending warned they would close any loan modification business that did not carry the bond.

Struggling homeowners can see the list of companies that are authorized to provide loan modifications. Consumers are also able to file a complaint using this form.

For a list of the companies who failed to meet the extended deadline, which was last Friday, please click here: http://www.lasvegasnow.com/Global/story.asp?S=11435476

Source of portions of this information: www.lasvegsnow.com

State of Nevada Business and Industry- http://business.nv.gov/PressReleases/PR-2009-11-02MLDBondingDeadline.pdf

4 Interior Painting Tips

Painting is a quick and easy way to liven up a listing. But some smart prep work can make a huge difference in the quality of the results. Here are some tips to help you get your home ready to list.

1.Get the surface ready.
You want the paint to glide on smoothly, so be sure the surface is clean before you start painting. Remove any handprints, dirt, or scuff marks. Lightly sand any glossy spots to avoid streaks.

2. Select a paint sheen and color.
Ah, the choices! Many paint stores are making it easier to narrow down your choices by offering small trial sizes so that you can test the color at home and look for any variations in daylight and night. Lighting has a big effect on the way color appears. Remember: Higher sheen paints tend to offer more durability than flat paints, so use them in high-traffic areas. Stain or low-lustre finishes offer more warmth and depth than a flat paint. Consider a high sheen paint on the ceiling, which offers good reflection in the room.

3. Don’t go cheap on the paint.
It’s always tempting to save a buck, but it might not be worth it on paint. Painting is a big job, so you want the expense and quality to show. The Rohm and Haas Paint Quality Institute, a national painting education group, recommends purchasing top-quality acrylic latex interior paint, which will go on smoothly and allow for easy soap and water cleanups.

4. Choose the right paint tools.
If you’re using a roller to paint, select the right length of roller nap cover for proper paint coverage. The smoother your painting surface, the shorter the nap should be. Use synthetic materials, which are made from nylon or polyester, when applying latex or water-based paints.

Source: The Rohm and Haas Paint Quality Institute

How To Buy An Energy Efficient Home Appliance

You go shopping for a new refrigerator, and you’re on a budget. The best buy is the ’fridge with the lowest sales price, right? Not necessarily. If you buy the lowest-priced refrigerator, you may end up spending more than if you buy a more expensive one. The reason? The cost of owning a home appliance has three components: the initial purchase price, the cost of repairs and maintenance, and the cost to operate it.

To figure out how much you’ll spend over the lifetime of the appliance, you have to look at all these costs. The appliance with the lowest initial purchase price, or even the one with the best repair record, isn’t necessarily the one that costs the least to operate. Here’s an example of how an appliance’s energy consumption can affect your out-of-pocket costs.

Suppose you’re in the market for a new refrigerator-freezer. Different models of refrigerators with the same capacity can vary dramatically in the amount of electricity they use. For one popular size and configuration, for example, the annual electricity consumption varies across models from a low of about 600 kilowatt-hours a year to a high of more than 800 kilowatt-hours a year. Based on national average electricity prices, that means the annual cost to operate this refrigerator can range from about $50 to $70, depending on which model you buy. A $20 difference in annual operating costs might not sound like much, but remember that you will enjoy these savings year after year for the life of the appliance, while you must pay any difference in purchase price only once. As a result, you may actually save money by buying the more expensive, more energy-efficient model.

You can learn about the energy efficiency of an appliance that you’re thinking about buying through the yellow-and-black EnergyGuide label it displays. The Federal Trade Commission’s Appliance Labeling Rule requires appliance manufacturers to put these labels on:
• Refrigerators, freezers, dishwashers, clothes washers
• Water heaters, furnaces, boilers
• Central air conditioners, room air conditioners, heat pumps
• Pool heaters
When you shop for one of these appliances in a dealer’s showroom, you should find the labels hanging on the inside of an appliance or secured to the outside. The law requires that the labels specify:
• The capacity of the particular model
• For refrigerators, freezers, dishwashers, clothes washers and water heaters, the estimated annual energy consumption of the model
• For air conditioners, heat pumps, furnaces, boilers and pool heaters, the energy efficiency rating
• The range of estimated annual energy consumption, or energy efficiency ratings, of comparable appliances.

Some appliances also may feature the EnergyStar logo, which means that the appliance is significantly more energy efficient than the average comparable model. For more information on the EnergyStar program, operated by the Department of Energy and the Environmental Protection Agency, visit the EnergyStar website at www.energystar.gov

Source: Federal Trade Commission Bureau of Consumer Protection Division of Consumer and Business Education

Tips to Lower Your Monthly Energy Bill

Being an energy-smart consumer means getting the most from the energy you use. Here’s how you can cut energy waste without sacrificing comfort or convenience.

• Move your refrigerator if it’s near the stove, dishwasher or heat vents. Vacuum the coils every three months to eliminate dirt buildup that reduces efficiency. Check the door gaskets for air leaks. Defrost the freezer when more than a quarter-inch of ice builds up.

• Scrape but don’t pre-rinse dishes by hand if you have a dishwasher that automatically pre-rinses or has a rinse/hold cycle. Use the “energy saver” option found on many machines.

• Use pots that fit the size of your stove-top burners. Use lids on your pots and pans so you can cook at a lower burner setting.

• Match the water level and temperature settings on your clothes washer to the size of your load. Don’t fill the whole tub for a few small items.

• Clean your clothes dryer filters after each use or as necessary.

• Ensure that the temperature on your water heater is set to 120 degrees. Some thermostats are preset at the factory to 140 degrees.

Source: Federal Trade Commission Bureau of Consumer Protection Division of Consumer and Business Education

Lighting Energy Saving Tips

We should all be concerned about saving energy as it benefits everyone in many ways. So start saving your share of energy by utilizing these great lighting tips.

Making improvements to your lighting is one of the fastest ways to cut your energy bills. An average household dedicates 10% of its energy budget to lighting. Using new lighting technologies can reduce lighting energy use in your home by 50% to 75%. Advances in lighting controls offer further energy savings by reducing the amount of time lights are on but not being used.

Indoor Lighting
Use linear fluorescent tubes and energy efficient compact fluorescent light bulbs (CFLs) in fixtures throughout your home to provide high-quality and high-efficiency lighting. Fluorescent lamps are much more efficient than incandescent (standard) bulbs and last about 6 to 12 times longer. Today’s CFLs offer brightness and color rendition that is comparable to incandescent bulbs. Although linear fluorescent and CFLs cost a bit more than incandescent bulbs initially, over their lifetime they are cheaper because of how little electricity they use. CFL lighting fixtures are now available that are compatible with dimmers and operate like incandescent fixtures.
Indoor Lighting Tips
• Be sure to buy ENERGY STAR qualified CFLs.
- They will save you about $30 or more in electricity costs over each bulb’s lifetime.
- Producing about 75% less heat, they are safer to operate and can cut home cooling costs.
- Visit www.energystar.gov to find the right light bulbs for your fixtures. They are available in sizes and shapes to fit in almost any fixture.
- They provide the greatest savings in fixtures that are on for a long time each day. The best fixtures to use qualified CFLs in are usually found in your family and living rooms, kitchen, dining room, bedrooms, and outdoors.
• Consider purchasing ENERGY STAR qualified fixtures. They are available in many styles including table, desk and floor lamps — and hard-wired options for front porches, dining rooms, bathroom vanity fixtures, and more.
• ENERGY STAR qualified fixtures distribute light more efficiently and evenly than standard fixtures and they deliver convenient features such as dimming on some indoor models. • Controls such as timers and photo cells save electricity by turning lights off when not in use. Dimmers save electricity when used to lower light levels. Be sure to select products that are compatible with CFL bulbs; not all products work with CFLs.
• When remodeling, look for recessed downlights, or “cans”, that are rated for contact with insulation (IC rated).
• Take advantage of daylight by using light-colored, loose-weave curtains on your windows to allow daylight to penetrate the room while preserving privacy. Also, decorate with lighter colors that reflect daylight.
• If you have torchiere fixtures with halogen lamps, consider replacing them with compact fluorescent torchieres. Compact fluorescent torchieres use 60% to 80% less energy and do not get as hot as halogen torchieres.

Outdoor Lighting
Many homeowners use outdoor lighting for decoration and security. When shopping for outdoor lights, you will find a variety of products, from low-voltage pathway lighting to motion-detector floodlights. Light emitting diodes, or LEDs, thrive in outdoor environments because of their durability and performance in cold weather. Look for ENERGY STAR LED products such as pathway lights, step lights, and porch lights for outdoor use.
Outdoor Lighting Tips
• Because outdoor lights are usually left on a long time, using CFLs in these fixtures will save a lot of energy. Most bare spiral CFLs can be used in enclosed fixtures that protect them from the weather.
• CFLs are also available as flood lights. These models have been tested to withstand the rain and snow so they can be used in exposed fixtures. Most though, cannot be used with motion detectors.
• Look for ENERGY STAR qualified fixtures that are designed for outdoor use and come with features like automatic daylight shut-off and motion sensors.

LED – A New Kind of Light
Light emitting diodes, or LEDs, offer better light quality than incandescent bulbs, last 25 times as long, and use even less energy than CFLs. Look for ENERGY STAR qualified LED products at home improvement centers and lighting showrooms.

Source: NAR Energy Savers: Tips on Saving Energy & Money at Home

Some Simple Tips to Help Build Your Confidence

1. Stop worrying and take action on the things you have control over and the confidence will come.

2. Find a mentor who is already a confident person and model them.

3. Act “as if” you already were confident and before long it will become a habit.

4. To get want you want, many times you have to ask for it. So believe in yourself and that people truly do want to help you with your goals and your confidence will grow.

5. When doing something for the first time, just imagine that you have already done it by thinking it, feeling it and seeing it happen in your mind’s eye. Your confidence will increase.

6. Get rid of that negative internal voice of fear with help through meditation. Tell yourself to allow only positive thoughts to enter and form a positive internal voice. Your confidence level will soar.

Las Vegas Economy: When Will It Bounce Back?

Las Vegas Economy: When Will It Bounce Back? This is the big question that everyone who lives, works, does business or invests in Las Vegas wants a difinitive answer to. Many different experts have many different opinions as to the future of Las Vegas. We have to look for the good in every situation. So, I tend to lean on the more positive side and agree with the expert in this article, that we will see it bounce back sooner rather than later.

LAS VEGAS, NV -- The recent spike in homeowners foreclosing on their properties, businesses closing their doors, and people losing their jobs has us all wondering when things will turn around. One expert thinks it will be sooner rather than later.

Don Burnham flies around the country buying up bargain properties. He lives in Florida and has his sights set on Las Vegas. He says our market has reached bottom and believes it will bounce up by the beginning of next year. When Burnham looks at Las Vegas, he sees a sure bet.
"When do you want to get involved, you want to get involved when it hits the bottom and comes up," Burnham said. He says there is no question Las Vegas housing and the economy has hit the bottom. In fact, he feels so strongly that he says if you buy real estate in Las Vegas right now, you cannot lose.

The demand for homes is a big reason why he says home values will shoot up at the beginning of next year. He also feels the Las Vegas economy will surge too. "Remember you had a pent up demand, there were a ton of people in Vegas who rented because they could not afford it during the boom. Now they can afford it," Burnham.

Applied Analysis Principal Jeremy Aguero looks at the local economy for the Las Vegas Convention and Visitor's Authority. He's a little more cautious. "We cannot turn a blind eye to the fact that we have a 13% unemployment rate. How many people are near foreclosure in this valley? We estimate that at about 100,000 people," Aguero said. Aguero admits some positive financial signs are starting to show like the number of home sales increasing each of the last three months. "Right now what is encouraging is that we have two offsetting factors, where six months ago we had one factor, down," Aguero added. Aguero says in the second half of 2010 we will start to see increases in home values as well as the economy. Both Aguero and Burnham agree it will happen; it's a matter of when.

So, the real estate investor says home prices and our economy will significantly increase in the beginning of next year. The analyst says the end of next year. In this case the million dollar question is -- who do you believe?

Source: http://www.lasvegasnow.com/Global/story.asp?S=11145179