July 30, 2009
July 27, 2009
by Morris Renner
Lots of companies are giving away free laptops all the time. There are some sites out there where you go and sign up for free laptops. Most of the laptop offers only require you to sign up for the offer by submitting your email. Some require you to be a laptop critique and share your intelligence regarding a specific laptop then get it for free.
There are some skepticism surrounding this free laptop offers where a group of people may think that those offers are scam. After careful observation and research, it is found that those offers are actually for real and people are actually getting free laptops in their hands.
So how it is possible for some one or some company just give away free laptops? This is an obvious question that comes to mind instantly.
Just like restaurants and food services related business need food critics all the time, there are needs for laptop critics as well. These critics get a laptop for free, evaluate it, offer their valuable opinion, and finally keep the laptop. There are student various different student programs under which some companies give out free laptops also. Another way of getting those free laptop computers is by giving something back like refer a few friends, participating in a survey, signing up with other offers, etc.
These free giveaway offers are so much talked about now that they have been featured on CBC, BBC, G8, etc. The news anchors collecting information from participants of these free laptop offers reported that people are actually getting those free gifts.
Once thing to keep in mind that there is no need to buy anything or share your personal information like social security number or credit cards. So you can see that those offers come 100% risk free where all you need to do is to either just submit your email or sometimes fill out some information. After all you are getting a free laptop, so few minutes of your time surely can be justified.
If you are too concerned about sharing your email address, then you can always use a secondary email to sign up. As long as you can log in to your email account and verify that that's your email address, that's what matters.
If you are not so sure about sharing your personal information like name and address, then you can sign up with the free laptop offers that only require you to sigh up with your email address. Remember, if you win a free laptop, there will have to be a way to notify you so that you can claim your gift and have it shipped to you.
July 22, 2009
July 21, 2009
July 17, 2009
July 09, 2009
July 06, 2009
Ever needed to trace a cell phone number? You have three options:
A. Hire a Private Detective
B. Search the Directory
C. Look in an Online Database
Is it really as easy as A. B. C? Unfortunately not. So let's take a closer look at your choices.
A. Hiring a Private Detective - Many people still think this is the only option. But fortunately that's not the case. The process is long, expensive and not the most practical.
B. Searching the Phone Book - This was never really an option, so I apologize. The directory will only give you information on a land number. Since cellular phones are considered 'private', there are laws to protect them and no public listings have been compiled as of June 2009, in the USA.
C. Online Databases - Now you're talking! Although cellular numbers aren't in the public domain, a few authorized sources do have access to them. Since so many of us need to get our hands on them too, there are services that collect or 'lease out' these records. But once you look for such databases you'll find so many that you may not know which to choose.
Be your own detective! So you've found the sources, now you need to select which one to go with. Here are a few clues. Most of these services will claim to specialize in data retrieval. Sure, they'll have a database but is it accurate?
Stop! You may get outdated results!
Some of these records are built on other databases and with the frequency at which mobile numbers change it could be almost impossible to track. Unless you've made the right choice and selected an agency that ensures its data is regularly updated, you run the risk of getting inaccurate and outdated results. This is why it's extremely important that you select reliable and trustworthy service when looking to trace a cell number.
July 03, 2009
If you're having trouble repaying your private student loans you can get help now with private student loan consolidation payments. A consolidation of student loans both consolidates all your private education loans into one loan and resets the loan's terms.
Because, for the most part, you can't consolidate private student loans with federal student loans, the low federal student loan consolidation interest rates would not be applicable. However, it still is possible for you to pay less each month.
You actually have quite a few options that can lower your monthly loan payments.
1. Because your credit score strongly influences your interest rates, if your credit score has significantly risen since you applied for your loan, for example by fifty points or more, you might be able to get a lower rate when you consolidate your loans with a different lender.
After doing your initial research, talk to your current lender and see if they can lower your interest rate on your current loans. They might consider doing this if they see that they could lose your business to a different lender.
2. If you're a homeowner, compare the interest rate on your variable interest rate school loans to a fixed rate home equity loan rate. If interest rates look like they are going to go up, you may want to get a home equity loan and use the money to pay off your private education loan. Doing this would guarantee that your interest rates will not increase.
On the other hand, it also guarantees that they won't go down if interest rates fall. And, worst case scenario, you could possibly lose your home, so be cautious with this option.
3. You can consolidate student loans with an educational lender, such as the private consolidation loan divisions of either Wells Fargo, Chase, the Student Loan Network or others.
These companies offer different repayment plans. Some offer up to 15-year term while others offer up to 30-year term. The interest rates they charge as well as fee structures also vary.
Because these differences can amount to thousands of dollars in savings, most people that consider consolidating their student loans do extensive research and even do a spreadsheet analysis comparing the pros and cons of each offer before choosing the option that's right for them. Luckily, the Internet makes it very easy to get the information you need to make these comparisons.
When you evaluate private lenders consolidation loans, make sure to find out
1. If their interest rates are fixed or variable
2. If there are any prepayment penalties, and
3. Whether or not there are any fees and what they are.
(c) Copyright - Don Granite. All Rights Reserved Worldwide.