How Can I Find Out a Person’s Cell Phone Number

I’m sure you’ve been in the situation where you needed to get a hold of someone but you didn’t know their cell phone number. Maybe your neighbor went on vacation and you need to tell him about the break in at his house. Or maybe you need to reach a coworker who is on the road and all you have is her home phone number. Whatever your individual circumstances, believe me when I tell you that we’ve all asked ourselves “how can I find out a person’s cell phone number?” at one point or another.

Don’t waste your time looking in those old-fashioned “white pages” books. They may still come in handy if you need to look up a standard residential or business number, but cellular numbers are not included. The same goes for most of those free telephone number directories you’ll find online. They are just digital versions of the same old information found in the paper white pages. You won’t find any cell phone numbers listed there.

You may be able to find the information you need using one of the major search engines like Google or Yahoo. Just run a search on their name and home number if you have it. The more information you have about them the more you can narrow down your search and increase your odds of finding them. Basically you have to hope that they’ve posted their name and cell phone number on a blog or web site such as Craigslist. Expect to spend a lot of time searching through page after page of dead ends before finding anything remotely close to what you need.

Truthfully, your best bet when trying to find out a person’s cell phone number is to use a paid cell phone directory. They’re not free, but they offer constantly updated information including, names, addresses, and cell phone numbers. For around $15-$30 you can get access to their full database of information where you can run a reverse cell phone number search and find the number you need in just a few minutes.

First Time Parents – Don’t Be a Sucker

As you may know my wife and I are currently expecting our third child.  My wife is due in just a few weeks so we’ve been stocking up on things now while we can.  Last night we ran into Babies R Us to grab some newborn-size diapers and we took a little time to stroll around and see what else is new since our last baby was born almost 4 years ago.

I was amazed at how much crap is out there!  Seriously, it’s plain to me that these retailers and manufacturers just love to come up will all sorts of ridiculous and unneccessary items to get unsuspecting parents to open their wallets.

There were 2 things in particular that drove me right up the wall. 

First was a piece of plastic that probably cost about 10 cents to make that was being sold for $3.99.  What does it do?  It removes the crust from slices of bread. 

Has anyone ever heard of a knife?  We have a whole drawer full of them at home and each of them could remove the crust from a piece of bread.  And I don’t have to spend money on an overpriced piece of plastic to do it.

The other thing that shocked me was the brice of baby monitors.  They must have had 20 different models and the most expensive one was $300!  I remember paying about $35-$40 for our monitor a couple years ago.  And they had the more recent model in the store at just $39.99. 

Now I’m not telling you to take your baby’s safety lightly.  By all means, I want you to buy a quality monitor that will keep your baby safe.  But price is not always an indicator of quality.  And cheap baby monitors can be just as effective as the more expensive ones. 

Do you really need the high definition screen, the 200+ channel transmitter, etc?  Remember, as long as you can hear when your baby is crying and needs you…the monitor is doing its job.  DOn’t let some salesman talk you into something you don’t really need.

Its The Little Expenses That Get You

You know what sucks about being in debt?

Every unexpected expense sets you further back and makes it more and more difficult to get back on your feet. 

My family has been hit with a series of challenges that put us up to our ears in debt and we’re doing our best to get out.  We didn’t go on vacation this year and we’ve done without a lot of little things that would have been fun. 

Its frustrating to always have to think about the bottom line and count your pennies.   Its even more frustrating to constantly get hit with unexpected expenses that under normal circumstances wouldn’t be a big deal…but when you’re loaded with debt they hurt.

My wife just called and told me the coffee pot was broken.  Won’t work at all.   Now I can’t live without coffee.  I’m a zombie every morning until I have a good strong cup. 

And its not like I splurge on Dunkin Donuts every morning (though I’d love to do just that!)

So now I have to go out and buy a new coffee pot.  It’s not going to cost that much really, but when you’re watching every dollar you spend it hurts.

Anyway, I’m done venting for today. 

Printable Quiznos Subs Coupons

Click the link below to print out a Quiznos coupon for a free sub when you buy another sub and a fountain soda. The coupon expires 10/12/09 so don’t waste time.

You can only use one Quiznos printable coupon at a time but there’s nothing to stop you from printing out several copies and using one each time you eat there.

http://www.quiznos.com/promotions/pepsixtra/?sssdmh=dm24.165749

Biweekly Mortgage Payments Can Save You Thousands

If you own your own home and pay a mortgage, you probably receive all sorts of offers from banks who want you to take out a home equity loan, refinance your current loan, or convert your mortgage into a biweekly mortgage.

The paperwork explaining the biweekly mortgage says that it can cut between five and seven years off your mortgage and save you thousands of dollars in interest. Sounds pretty good, huh?

It works quite simply. Instead of paying your mortgage monthly, you pay half your monthly bill biweekly. By paying the bill every other week, you end up making an extra payment each year.

For example, let’s say your monthly mortgage payment is $1,400.  If you make 12 monthly payments, you will have paid $16,800 at the end of the year.

If you pay biweekly, you’ll end up making 26 payments each year.  So if you pay $700 every other week, you will have paid $18,200 at the end of the year. The end result is that you made one extra payment, which reduces your loan balance and interest charges.

This is how you can cut years off of your mortgage. That extra $1,400 a year eats away at your balance and helps you pay it all off early.

Paying off your mortgage early is a sound financial move if you can do it. But is it necessary to sign up for one of these biweekly mortgages (sometime called Accelerated Payment Plans)?

Nope. Not at all. You see, there’s a catch. in order to sign up for the biweekly mortgage that your bank is offering, you have to pay a fee. It’s usually somewhere between $300-$500.  Some banks will also charge you a monthly processing fee.

But I can show you a better way to pay off your mortgage just as fast without having to pay any fee at all.

Just take the amount of your monthly mortgage payment and divide by twelve. Using the example above, $1,400 divided by 12 equals $116.67.  Now simply add this amount to your payment each month and make sure to make a note that you want it applied to principal.

By making 12 payments of $1,516.67, you will have paid off $18,200.04 at the end of the year. Just like that, you’ve gained all of the advantages of the biweekly mortgage without having to pay any fees or service charges.

Free Sample Chocolate Candy From Mars

No, not the planet. 

But since its Friday, you can send away for a free sample of chocolate candy from Mars Inc.  (They’ve been doing this free chocolate Friday for awhile now).

So just click on the link below and submit your info for free chocolate!

Click here –> free sample chocolate candy

Free Hot Chocolate Sample – Nestle Abuelita Granulado

Winter is coming fast so its time to start stocking up on comfort foods like hot chocolate! 

I just sent away for a free sample of Nestle Abuelita Granulado.  Its a new type of hot chocolate.  

Just go to the link below and enter your name, email, and mailing address and you should get a confirmation message like this:

Thank you for signing up for a free sample of ABUELITA Granulado! You should receive your free sample in the mail in 3-6 weeks. In the meantime, make sure to look through our website for delicious recipes or to get a coupon good for $.75 off your next Granulado purchase!

Send away for your free sample now before they’re all gone…

http://www.nestle-abuelita.com/EN/SampleRequest/

Planning A Wedding On A Small Budget

You’re getting married? Congratulations!

It’s such a wonderful time and it can be so much fun. But it can cost you a fortune too.

Between the wedding dress, limos, food, flowers, and music, you can easily drop tens of thousands of dollars on a wedding.

You’re smart for looking for ideas for wedding receptions on a budget.

You don’t have to spend a fortune to have a beautiful and memorable wedding. Let’s look at a few ways that other bride and grooms have thrown wedding receptions on a budget:    Read more

Are You Ready For The Next Postage Rate Increase?

Is it me, or does it seem like there’s another postage rate increase every other week?

I know I’m exaggerating, but my wife and I really feel even a small increase in the cost of postage stamps. As a part-time real estate agent, my wife sends out a good deal of letters and postcards to bring in new business. Even a small postage rate increase adds up to a major expense.

Of course we’re not the only ones who feel the pinch every time the post office raises its rates. You have your own bills, letters, and cards to mail out…and I’m sure you can live without another postage rate increase.

So to help you save a few bucks, I threw together this little list of ways to save yourself some cash on postage.

• Pay your bills online. You can pay for your credit cards, utilities and other bills right from the comfort of your own home. Each bill you pay online saves the cost of a stamp. That may not seem like much but it adds up.
• Invest in some “forever stamps” and hold on to them. Once purchased, these stamps can be used no matter how high the cost of postage stamps go in the future. If you buy a bunch now and tuck them away, they’ll still be good when it costs $10 to mail a birthday card.
• Speaking of birthdays…instead of mailing cards to your friends and family, just send them an ecard. You won’t just save on postage, you’ll save the cost of the card too.
• Print your stamps at home and save yourself the trip to the post office. Plus, you can get up to $25 FREE postage when you sign up at Stamps.com. All you need is a printer and a PC to print USPS-approved postage.
• Use Media Mail whenever possible. The post office has really low rates for media items like books, cds, videos, film, and computer disks. It’s much cheaper than regular rates, but most people don’t know to ask for it. Now YOU do!
• Pick up some stamps next time you’re at Costco or Sam’s Club. Big discount warehouses usually offer rolls of stamps at a modest discount.
• If you’re self-employed you may be able to deduct the cost of business-related postage. Save your receipts and check with your accountant to make sure you’re eligible for the deduction.

These tips should help you save some money on the cost of postage stamps…no matter what the next postage rate increase brings.

The Poetry Scam Exposed

Every year, thousands of aspiring writers are fleeced out of their hard-earned money by the poetry scam.

The perpetrators of the poetry scam rake in millions of dollars each year by promising fame and fortune to unsuspecting victims. No one knows for sure exactly how much money is involved, but estimates put the figure somewhere between $6 and $10 million every year.

How The Poetry Scam Works

You’ve seen the advertisements for various “poetry contests” hosted by organizations with impressive names that certainly sound legitimate (the names keep changing and there are far too many to list here). You’ll find them in newspapers and magazines, in your mailbox, and even in your email.  Read more

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