Saturday, April 4, 2009

Common Cost Savings in Costco

Costco - My life saver

For those who know my shopping habits, mentioning Costco should not be any surprise but what are some of the small secrets i buy from Costco that still beats every one else in price

  1. Movie tickets - 2 for 15$ - normal tickets in theater are 10$
  2. Free AIR fill in Car tires(Tire Center) - normally it costs 75cents in a gas station
  3. Bolthouse Carrot juice or Naked Naturals - Cheaper than any retailer
  4. 32bottles of water - 4.59 - beats every one else
  5. Home and Auto insurance - BEATS all competitors in market
  6. McCormick and Shmick - Restaurant cards 100 $ cards for 80$
  7. Starbucks gift cards - 100$ worth cards for 80$ ( even starbucks does not offer this)
  8. Postal stamps- Forever stamps 41 cents - 100 of them -small discount dont know of the top
  9. Free EAR hearing test - You get a free test to check your ears
  10. Bed and BreakFast inn gift cards - 100$ cards for 80$

and definitely the last and most important

FREE SAMPLERS on SATURDAY AND SUNDAY -- Love itttttttttttttttttttt

Go costco --- If you have any interesting FINDS in Costco than the usual toilet tissue, paper towel,milk, egg, bread etc

POST It - it has to be a NICHE product -

Friday, April 3, 2009

Right to bear arms - Lets question - Why do we need to

Right to Bear Arms
In wake of today's shootings Lets question ourselves
Why do we need to have the RIGHT TO BEAR ARMS
http://www.cnn.com/2009/CRIME/04/03/binghamton.shooting/index.html

Coming from a country of a billion+ people where right to bearing fire arms is very restricted privilege, i was first struck in dismay the ease in which any one can buy a gun in America

Who gives this undeniable right to bear arms that cannot be taken away ?

Amendment 2 of the US constitution Right to Bear Arms.
A well regulated Militia, being necessary to the security of a free State, the right of the people to keep and bear Arms, shall not be infringed


I get the right the thought behind it etc
But this was ratified in 1791, we have come a long way from then where we have structured police force, army, reserves, FBI, Neighbourhood watches etc to guard and protect us.
The primary interpretation of the Amendment is disputed,
http://en.wikipedia.org/wiki/Second_Amendment_to_the_United_States_Constitution
Wiki says the neutrality of the article is questionable, we cannot even agree on the meaning of the subject.
What did our most recent President do about Second amendment in the midst of VA Tech shootings

""In 2004, President Bush, through the Justice Department under Ashcroft, also issued Whether the Second Amendment Secures an Individual Right, a lengthy memorandum which traced the historical development of the Second Amendment supporting its earlier conclusion. The memo stated:
The Second Amendment secures a personal right of individuals, not a collective right that may be invoked only by a State or a quasi-collective right restricted to those persons who serve in organized militia units ""


What is Obama going to do ?

Post your comments about this irrestibale urge to bear firearms and to also harm innocent



Wednesday, April 1, 2009

Tip of the Day - Sending Credit Cards to India

Tip of the Day
Credit cards to India
Many of us send a add-on card to parents who live back home in India for their convinence and usage. Nowadays most retail outlets, travel agencies, gas stations ( or should i say petrol bunks) accept Creditcards.
As a matter of practice i have been using this service for about 5+ years and have changed Card providers for various reasons including false fraud alerts that declines transactions in India often.
One major factor i consider is the Foreign Transaction fee ( or exchange rate adjustment) or whatever the bank/card provide wants to innovatively call it
Read this link below --
http://www.bankrate.com/brm/news/cc/20050624b1.asp
Visa/ Master charges 1% for servicing the foreign transaction and card providers add a heavy 2% on top and used to charge 3%
Enter WAMU - then i found WAMU that gave add on cards to be used in India for 1% fee.
Well they went belly up and Chase bought them to change policy to3% ( i used to have add on Chase cards to begin with)
Also WAMU would only add 1 additional card per account - well that was a useless rule !!!!!!

Finally after some more research found CAPITAL ONE, the super market for Cards
CAP ONE gives you Master card ( i know visa is preferred in india...) that can be used in India for ZERO percent foreign transaction fee
Yes ZERO, i dont know how they do it as it means they need to suck up the 1% charged by Mastercard.

But as you can imagine, i care less, my transactions made by FAMILY from india at 50 to 51rs a dollar with Zero percent conversion fee looks really good

Now will you save money using this TIP

Post your comments