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	<title>Gary Said... &#187; money</title>
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	<link>http://GarySaid.com</link>
	<description>The Blog of Gary LaPointe</description>
	<lastBuildDate>Wed, 09 May 2012 23:10:05 +0000</lastBuildDate>
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		<item>
		<title>Selling on eBay in 10 easy steps</title>
		<link>http://GarySaid.com/ten-steps-to-selling-on-ebay/</link>
		<comments>http://GarySaid.com/ten-steps-to-selling-on-ebay/#comments</comments>
		<pubDate>Wed, 09 May 2012 23:08:12 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[money]]></category>
		<category><![CDATA[web sites]]></category>
		<category><![CDATA[eBay]]></category>
		<category><![CDATA[selling]]></category>

		<guid isPermaLink="false">http://GarySaid.com/?p=7596</guid>
		<description><![CDATA[<p>Selling on-line through eBay is easy and (at the same time) challenging.  It&#8217;s slightly addicting and euphoric when people bid and you make a sale.  I was at a comic convention and some stuff I had I couldn&#8217;t sell (my target audience is right there) no matter how low I made the price, [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/ten-steps-to-selling-on-ebay/">Selling on eBay in 10 easy steps</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>Selling on-line through eBay is easy and (at the same time) challenging.  It&#8217;s slightly addicting and euphoric when people bid and you make a sale.  I was at a comic convention and some stuff I had I couldn&#8217;t sell (my target audience is right there) no matter how low I made the price, but on eBay I&#8217;ve sold more than a few for <em>more</em> that the same price at the convention.   Setting it on a table with a sticker is way easier than photographing it a posting it on-line and then wrapping it and shipping it (and collectables are harder to wrap).</p>
<p><a href="http://www.amazon.com/eBay-For-Dummies-Computers/dp/1118098064%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D1118098064"><img src="http://ecx.images-amazon.com/images/I/516fQJlCYDL._SL160_.jpg" target="1118098064" alt="eBay For Dummies (For Dummies (Computers)) Marsha Collier" align="right" hspace="5" vspace="2"/></a>I sold some used 5 Finger shoes for close to what I paid for them (originally on sale), they were in great shape (almost new) but I just didn&#8217;t like the way they felt compared to my four other pairs; I sold a well worn pair too, much more than I thought I&#8217;d get for them.  Stuff I think should sell high, sells low (or not at all), stuff I think won&#8217;t sell get snatched up in ten minutes some times (wished I&#8217;d made that <em>buy it now</em> price higher).  If possible I post extra pictures (if free) and tell why I&#8217;m selling it.</p>
<p>If you&#8217;ve never shopped on eBay, go buy something, anything; get a spare charging cable for your iDevice or cell phone.  Then come back here.  Why?  Because you need to understand the buyers end of the transaction. Plus, to buy something you need an eBay account and a PayPal account and if you have those set up then I don&#8217;t need to explain that part…</p>
<p>It&#8217;s easy to sell:
<ol>
<li>Take a picture, make the item take up most of the photo (or crop it if you know how). Some items let you post more than one picture for free (generally collectables?). </li>
<li>Write a single line title (mot categories charge you for more than one line). </li>
<li>Pick a starting price.  Most people say start at a penny, and I understand the logic (more bids makes an object look more desirable) but if it&#8217;s an odd item and no one is looking for it… </li>
<li>Pick a buy it now price.  If they don&#8217;t want to bid they can <em>buy it now</em> for this price (FYI, you pay a slightly higher price if they chose <em>buy it now</em>).</li>
<li>How long is the auction for?  Pick 7 days (10 usually costs more). </li>
<li>Write a short description.  I say make it a bigger font and center it and use a few colors. Presentation is everything! </li>
<li>Pick a price for shipping, for your first few: if it&#8217;s heavy (up to 6 pounds put $8-$10), if it&#8217;s light (less than a pound) put $4-6; you&#8217;re learning if you lose a few dollars on the first few, not a big deal, right? </li>
<li>Pick where you&#8217;ll ship to.  This is important, who knows what shipping costs to Timbuktu (yes, it&#8217;s a real place), narrow it to the continental 48 states for the few few. </li>
<li>Make sure your additional charges are $0.00 then submit it (then submit again not he next page). </li>
<li>Wait. </li>
</ol>
<p>It seems like until someone bids on it you can revise it.  Sometimes (maybe if people are &#8220;watching&#8221; it) you can&#8217;t revise the title.  Even if someone bids on it, you can revise it, but it appears appended at the end of your description.</p>
<p>An eBay item end <em>time</em> is set the instant you publish it (for the number of days you select).  If it&#8217;s an auction, don&#8217;t end it at 3 AM, a lot of the bidding happens in the end few hours.  I try to end my auctions during the work days (3 or 4 PM Eastern) or in the evenings on the weekend (Sunday evening seems to be a big time) or even on a week night (I seem to sell a lot of <em>buy it now</em> items on weeknights).  But I like to make the ending time be when a good portion of the country is at home or still at work, not during that travel time.  For 10 cents you can delay the publish time to be a time of your choosing (I use this occasionally, it&#8217;s 2 am and I&#8217;m ambitious, I&#8217;ll post these to not go up until the afternoon of the next day.</p>
<p><a href="http://www.amazon.com/eBay-101-Selling-Part-time-Full-time/dp/0977240630%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D0977240630"><img src="http://ecx.images-amazon.com/images/I/51rehOz6-JL._SL160_.jpg" target="0977240630" alt="eBay 101: Selling on eBay For Part-time or Full-time Income Steve Weber" align="left" hspace="5" vspace="2"/></a>If after a few days no one is bidding, consider lowering the start bidding price and the buy it now price.  Or look around and see what other people selling are charging or what they&#8217;re saying in the description.</p>
<p>What does it cost to sell on eBay?  If it&#8217;s an auction, it&#8217;s 9%.  If it&#8217;s a fixed price (or <em>buy it now</em>?) it <a href="http://pages.ebay.com/help/sell/fees.html#fvf_fixed" target="_blank">depends on the category</a>, they take 7%-13%.  eBay motors is probably different, but you&#8217;re not going to sell a car as your first item are you?  You also get charged around 3% for the credit card transaction via PayPal.  So 10%-16%.  If you sell more than 50 items in a month, there might be <a href="http://pages.ebay.com/help/sell/fees.html#BIN" target="_blank">some small fees just to list an item with buy it now</a>, but you haven&#8217;t sold anything yet, so don&#8217;t worry about that.</p>
<p>Every so often they have (1-3 day) specials for listing fixed price for free or adding buy it now to auctions for free.  It seems like it&#8217;s towards the end of the month, but not always.  </p>
<p>And I think there is a limit of 100 items per month to sell (or $5000) but what you do to expand that, I&#8217;m not sure.  I haven&#8217;t had that &#8220;problem&#8221; yet. </p>
<p>Books, DVDs and CDs are a whole different animal, I&#8217;ve sold a few, but it&#8217;s barely worth it.  There are a million people selling these exact items and there really isn&#8217;t much of a difference between them.  I think the people who are making money on these have thousands of items for sale and make their money by quantity.  I&#8217;ve made more money on a used pair of $50 shoes than on a half-dozen new (still shrink wrapped) DVDs.  I&#8217;m not saying don&#8217;t try it, I&#8217;m just saying don&#8217;t make it your first item.</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/ten-steps-to-selling-on-ebay/">Selling on eBay in 10 easy steps</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<item>
		<title>It&#8217;s time to get rid of the US penny, they are a waste of money and time&#8230;</title>
		<link>http://GarySaid.com/get-rid-of-the-united-states-penny/</link>
		<comments>http://GarySaid.com/get-rid-of-the-united-states-penny/#comments</comments>
		<pubDate>Mon, 02 Apr 2012 15:50:04 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[general]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[nickle]]></category>
		<category><![CDATA[penny]]></category>
		<category><![CDATA[United States]]></category>

		<guid isPermaLink="false">http://GarySaid.com/?p=7549</guid>
		<description><![CDATA[<p>The penny costs to much to make and it uses too much time to spend them.  Plus, what can you buy with a penny?  I&#8217;m not even sure what you can buy for five pennies theses days, so occasionally I&#8217;ll take a jab at the nickel too (maybe).</p>
<p>I&#8217;m going to mention this every [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/get-rid-of-the-united-states-penny/">It&#8217;s time to get rid of the US penny, they are a waste of money and time&#8230;</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>The penny costs to much to make and it uses too much time to spend them.  Plus, what can you buy with a penny?  I&#8217;m not even sure what you can buy for five pennies theses days, so occasionally I&#8217;ll take a jab at the nickel too (maybe).<img src="http://GarySaid.com/wp-content/uploads/2012/04/lincoln-penny.jpg" width="99" height="99" alt="lincoln-penny.png" align="right" hspace="4"/></p>
<p>I&#8217;m going to mention this every so often, why?  Because it&#8217;s interesting to me and hopefully you&#8217;ll think so too.  According to this video, it&#8217;s 1.8 cents to make a penny (how counter-productive is that?) and I&#8217;ve heard numbers higher that that.  I don&#8217;t think any machines even take pennies.  Although, I did hear in a West Wing episode that toll booths in Illinois will take them. </p>
<p><img src="http://GarySaid.com/wp-content/uploads/2012/04/old-penny.jpg" width="99" height="99" alt="old-penny.png" align="left" hspace="4"/>FYI, individual items wouldn&#8217;t be rounded to the nearest nickel, just your final total.</p>
<p>Watch the video, the theme is &#8220;Why Pennies are economically inefficient and should be abolished&#8221;, the guy who made it makes fun ones and he&#8217;s got some surprising points later on towards the end.</p>
<p><center><object width="500" height="254"><param name="movie" value="http://www.youtube.com/v/y5UT04p5f7U?version=3&amp;hl=en_US"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/y5UT04p5f7U?version=3&amp;hl=en_US" type="application/x-shockwave-flash" width="500" height="254" allowscriptaccess="always" allowfullscreen="true"></embed></object><br />
</center><center>Watch the <a href="http://www.youtube.com/watch?v=y5UT04p5f7U" target="_blank">Death of a Penny</a> video in YouTube.</center><br />
Please note that at 52 seconds in, he says we make 4 million pennies a year, but in the text on the screen he corrects it and says <em>billion</em>. </p>
<p>He makes some interesting points.  Personally, I don&#8217;t carry change on me.  I keep it in the car and generally use it for parking meters and if I&#8217;m getting a 99 cent or $1 item at the drive through.  They&#8217;ll get mostly dimes and nickels and 9 or 10 pennies to help me get rid of them.</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/get-rid-of-the-united-states-penny/">It&#8217;s time to get rid of the US penny, they are a waste of money and time&#8230;</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>Saving money on your AT&amp;T cell phone bill when traveling internationally</title>
		<link>http://GarySaid.com/saving-money-with-international-att-cell-phone/</link>
		<comments>http://GarySaid.com/saving-money-with-international-att-cell-phone/#comments</comments>
		<pubDate>Thu, 03 Nov 2011 03:57:21 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[money]]></category>
		<category><![CDATA[travel]]></category>
		<category><![CDATA[Apple iPhone + iPod Touch]]></category>
		<category><![CDATA[AT&T]]></category>
		<category><![CDATA[Google Voice]]></category>
		<category><![CDATA[phone]]></category>
		<category><![CDATA[texting]]></category>

		<guid isPermaLink="false">http://GarySaid.com/saving-money-with-international-att-cell-phone/</guid>
		<description><![CDATA[<p>Having a phone that works internationally is great in case of an emergency.  The problem is that when you&#8217;re in another country calls are $2.29 to and from the United States, even if you don&#8217;t answer the phone, you&#8217;re billed for as long as it rings.  I found this out a few trips [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/saving-money-with-international-att-cell-phone/">Saving money on your AT&#038;T cell phone bill when traveling internationally</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>Having a phone that works internationally is great in case of an emergency.  The problem is that when you&#8217;re in another country calls are $2.29 to and from the United States, even if you don&#8217;t answer the phone, you&#8217;re billed for as long as it rings.  I found this out a few trips ago, I only avoided the charges when I could show my chat transcript that indicated I was trying to disable everything and not pay anything.</p>
<p><img src="http://GarySaid.com/wp-content/uploads/2011/11/att-logo.jpg" width="94" height="92" alt="att-logo.jpg" /hspace="3" align="right">Disclaimer: The tips below are not for someone who wants to make a lot of calls and be reachable at all times, they&#8217;re for the person who can wait until later to return the calls.  Also, I do not work for AT&#038;T, this is how I do it and it appears to work for me, billing terms may change.  You are responsible for verifying that everything works this way for your account! None of this requires any hacking or jail breaking to do these things, I have a free Google Voice account set up (it&#8217;s sort of like Skype) and it&#8217;s set to forward my phone calls to my cell number.</p>
<p>Texting &#8211; On AT&#038;T I receive texts internationally for free, I can send back to the United States for 50 cents (I&#8217;ve never tried to send from another country to the country I&#8217;m in, I&#8217;ll check that next trip).  If I want to reply to a text it&#8217;s 50 cents but if I want to send a photo with the text, I believe it starts to use data and you&#8217;ll be billed for it (probably the same applies if someone sends you a photo).  If I need to text someone in the US, I pay the 50 cents or I find WiFi location and use Google Voice to send and receive texts (it&#8217;s like a chat at this point), I can use the iPhone App or the Google web site.  If I miss a sent Google Voice text message, it forwards it to my e-mail (so I always tell people to initiate a chat via my actual cell phone number).</p>
<p>Phone calls &#8211; Before I even leave the US, I turn off my 3g data and forward my AT&#038;T calls to Google Voice (I do this from the iPhone settings), so my calls never even get sent out of the country. Google Voice is smart enough to not forward it back to my cell if someone calls, it just dumps them into GV voice mail.  This way I can carry a working phone with me and if I have an emergency I can make a call.</p>
<p><img src="http://GarySaid.com/wp-content/uploads/2011/11/google-voice.jpg" width="107" height="90" alt="google-voice.jpg" align="left" space="5" />If someone calls, GV will e-mail and text me the message (with text recognition transcription) so I know they called and if it&#8217;s a good transcription, I even know the topic.  Then I can decide if I need to work my way to somewhere with WiFi or make a $2.29 a minute call on my phone.  Otherwise, I just check the voicemail the next time I&#8217;m on the computer or have Wifi on my iPhone or computer (with Skype or GV).  From outside the country to call the United States or Canada, GV charges 2 cents plus a penny a minute (I pay Skype $3 a month for unlimited calling to the US from anywhere).</p>
<p>Data &#8211; AT&#038;T <em>significantly</em> dropped their international roaming data plan charges this past summer, I might give a small package a try on my next trip.  Don&#8217;t forget <a href="http://GarySaid.com/onavo-iphone-data-savings-compression/" target="_blank">Onavo</a> can save you money on your data plan.</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/saving-money-with-international-att-cell-phone/">Saving money on your AT&#038;T cell phone bill when traveling internationally</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<item>
		<title>1,000 free minutes for AT&amp;T</title>
		<link>http://GarySaid.com/1000-free-rollover-minutes-att/</link>
		<comments>http://GarySaid.com/1000-free-rollover-minutes-att/#comments</comments>
		<pubDate>Thu, 01 Sep 2011 02:07:58 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[money]]></category>
		<category><![CDATA[Apple iPhone + iPod Touch]]></category>
		<category><![CDATA[AT&T]]></category>
		<category><![CDATA[free]]></category>
		<category><![CDATA[minutes]]></category>

		<guid isPermaLink="false">http://GarySaid.com/1000-free-rollover-minutes-att/</guid>
		<description><![CDATA[<p>AT&#038;T customers can get 1,000 FREE rollover minutes by texting YES to 11113020.  It&#8217;s that simple!  </p>
<p>As you can see I&#8217;ve already gotten my response. This is the same number they used for a similar promo earlier this year, I did it then and those minutes did show up in my account.  [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/1000-free-rollover-minutes-att/">1,000 free minutes for AT&#038;T</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p><img src="http://GarySaid.com/wp-content/uploads/2011/08/1000-free-att-min.jpg" width="150" height="225" alt="1,000 FREE rollover minutes" align="right"/>AT&#038;T customers can get 1,000 FREE rollover minutes by texting YES to 11113020.  It&#8217;s that simple!  </p>
<p>As you can see I&#8217;ve already gotten my response. This is the same number they used for a similar promo earlier this year, I did it then and those minutes did show up in my account.  </p>
<p>With my mobile-to-mobile and A-List plan, I&#8217;m actually still using those minutes&#8230;</p>
<p>I just saw this on another site:<br />
<blockquote>Note: Readers report intermittent success redeeming this promotion. Some claim that you must have unlimited messaging to qualify. Also, it is unclear if people who previously redeemed this promotion can do so again. </p></blockquote>
<p>But by this point hopefully you&#8217;ve just tried, it costs only a text message to try…</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/1000-free-rollover-minutes-att/">1,000 free minutes for AT&#038;T</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>HP Touchpads for 99 dollars!!</title>
		<link>http://GarySaid.com/hp-touchpads-on-clearance/</link>
		<comments>http://GarySaid.com/hp-touchpads-on-clearance/#comments</comments>
		<pubDate>Tue, 23 Aug 2011 16:43:04 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[money]]></category>
		<category><![CDATA[portable]]></category>
		<category><![CDATA[technology]]></category>
		<category><![CDATA[HP Touchpad]]></category>

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		<description><![CDATA[<p>Yes, I know it&#8217;s not an iPad but it&#8217;s a Kindle, a video Skype Phone, a clock(!) or a variety of other things.  Once they crack it and put android on it, I&#8217;ll probably wish I&#8217;d bought the bigger one.  These were actually nice tablets at $500, but they weren&#8217;t an iPad, but [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/hp-touchpads-on-clearance/">HP Touchpads for 99 dollars!!</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>Yes, I know it&#8217;s not an iPad but it&#8217;s a Kindle, a video Skype Phone, a clock(!) or a variety of other things.  Once they crack it and put android on it, I&#8217;ll probably wish I&#8217;d bought the bigger one.  These were actually nice tablets at $500, but they weren&#8217;t an iPad, but for $99 it&#8217;ll do.</p>
<p><span style="color: red;">As you can see, I&#8217;ve redacted most of the information below because it changes so quickly.  I expect <em>all</em> vendors will be dropping price, <strong>keep your eyes on <a href="http://slickdeals.net/forums/showthread.php?t=3220862#edit41815736" target="_blank">SlickDeals.net</a></strong>, if you scroll down you can see they are even keeping a list of who has them at full price (because they&#8217;ll be dropping).</span></p>
<p>Their servers are getting nailed so be patient.  Just click to order and wait until it times out, then try again&#8230;</p>
<p><span style="text-decoration: line-through;">Barnes and Nobel has <a href="http://gifts.barnesandnoble.com/HP-TouchPad-Tablet-with-16GB-Memory-WiFi-12GHz-Black/e/886111788637?r=1&#038;r=1&#038;cm_mmc=Google%20Product%20Search-_-Q000000630-_-HP%20TouchPad%20Tablet%20with%2016GB%20Memory%20WiFi%2012GHz%20Black-_-886111788637%2C%20AFFILIATES-_-Linkshare-_-lw9MynSeamY-_-10%3A1%2C%20AFFILIATES-_-Linkshare-_-lw9MynSeamY-_-10%3A1" target="_blank">16 GB for $101.95</a>  as of 6am Eastern (but they still want $600  for the 32 GB).  I&#8217;d order one, but I haven&#8217;t gotten a rejection letter from my CostCentral order (that I&#8217;m guessing was sold out).</span></p>
<p><span style="text-decoration: line-through;">Cost Central has the <a href="http://www.costcentral.com/proddetail/HP_TouchPad_Tablet/FB454UTABA/11394713/" target="_blank">16 GB for $99</a> and the <a href="http://www.costcentral.com/proddetail/HP_TouchPad_Tablet/FB356UTABA/11394712/" target="_blank">32 GB for $149</a>. </span> <a href="http://www.costcentral.com/proddetail/HP_TouchPad_Tablet/FB454UTABA/11394713/" target="_blank"><img src="http://GarySaid.com/wp-content/uploads/2011/08/hptouchpad.jpg" width="200" height="150" alt="hptouchpad.jpg" align="left"/></a></p>
<p><span style="text-decoration: line-through;">As of 10 PM eastern Cost Central had 10,000 of the 32 GB and 7,000 of the 16 GB (this is listed on the product pages).  It was $9 for shipping (that may vary) and probably no sales tax for 49 out of 50 states. </span></p>
<p>These were on Amazon Sunday for the same pricing and I spent too much time researching it before purchased it and they sold out (I guess HP had them for that price earlier).  So I had a little regret about it, but then I saw these.  Even if I get a rejected order message, I&#8217;m sure the other places that have them still at $500+ will be dropping prices, so keep your eyes on that SlickDeals link above, they&#8217;ll keep it updated with who has it in stock.</p>
<p>You can get <a href="http://www.shopping.hp.com/store/product/product_detail/FB355UA%2523ABA?jumpid=se_r1002_fp_usen_hho" target="_blank">Touchpad specs and overview at the HP Site</a>.</p>
<p><span style="text-decoration: line-through;">Supposedly PCmall and MacMall have them, but their sites are even hit worse, <a href="http://www.pcmall.com/p/HP-Tablets/product~dpno~8806672~pdp.giddcbi?src=search#active Tab=pdpUserReview" target="_blank">32GB</a> or  <a href="http://www.pcmall.com/p/HP-Tablets/product~dpno~8806645~pdp.giddbjb?src=search#active Tab=pdpUserReview" target="_blank">16 GB</a>.<br />
</span><br />
In case you are wondering why the price is so low: <a href="http://www.macrumors.com/2011/08/18/hp-to-spin-off-pc-business-as-sales-stagnate/" target="_blank">HP is spinning off it&#8217;s hardware business and discontinuing the mobile / tablet (hardware) business</a>. I think these devices just came out in July 2011.</p>
<p>UPDATE:  I actually ordered these from two places, the one canceled after a week, the other still says it&#8217;s expecting a shipment (but I&#8217;m not sure from where at this point).  So it looks like I&#8217;m not getting one&#8230;</p>
<p>UPDATE 2: Early November, the second company sadly canceled my order.  Looks like it&#8217;s time for a Kindle Fire!</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/hp-touchpads-on-clearance/">HP Touchpads for 99 dollars!!</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>My new Vibram shoes &#8211; 31 photos in 31 days &#8211; Day 1</title>
		<link>http://GarySaid.com/my-new-vibram-shoes/</link>
		<comments>http://GarySaid.com/my-new-vibram-shoes/#comments</comments>
		<pubDate>Tue, 02 Aug 2011 03:00:21 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[money]]></category>
		<category><![CDATA[photos]]></category>
		<category><![CDATA[web sites]]></category>
		<category><![CDATA[31 photos in 31 days]]></category>
		<category><![CDATA[fake]]></category>
		<category><![CDATA[sprint]]></category>
		<category><![CDATA[Vibram]]></category>
		<category><![CDATA[Vibram Five Fingered Shoes]]></category>
		<category><![CDATA[Yellow]]></category>

		<guid isPermaLink="false">http://GarySaid.com/my-new-vibram-shoes/</guid>
		<description><![CDATA[<p>So I&#8217;m going to try this, one photo a day for every day.  It&#8217;s not to late to start!  Well, it is too late, but you can still post your photos!</p>
<p></p>
<p><a href="http://sh1ft.org/projects/index.php/2011/06/31-photos-in-31-days-august-2011/" target="_blank">31 Photos in 31 Days</a> has begun for August 2011, so don’t forget to take 1 photo today, post it up [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/my-new-vibram-shoes/">My new Vibram shoes &#8211; 31 photos in 31 days &#8211; Day 1</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>So I&#8217;m going to try this, one photo a day for every day.  It&#8217;s not to late to start!  Well, it is too late, but you can still post your photos!</p>
<p><img src="http://GarySaid.com/wp-content/uploads/2011/08/banner-31days-125x125.png" width="125" height="125" alt="banner-31days-125x125.png" align="right" hspace="5" vspace="3" /></p>
<blockquote><p><a href="http://sh1ft.org/projects/index.php/2011/06/31-photos-in-31-days-august-2011/" target="_blank">31 Photos in 31 Days</a> has begun for August 2011, so don’t forget to take 1 photo today, post it up on Facebook, Twitter, Flickr, blog or anywhere else you share your photos, and then post your link by clicking the ‘Click here to enter’ (on their page).</p></blockquote>
<p>I was trying to come up with a theme, but I couldn&#8217;t come up with something.  So I&#8217;ll do a photo each day and talk about it and theirfore I&#8217;ll be getting some blog posts done at the same time!!</p>
<p><center><font style="font-size:x-small;">This my newest pair of Vibram Five-Fingers Shoes</font></center><center><a href="http://GarySaid.com/wp-content/uploads/2011/08/IMG_27361.jpg"><img src="http://GarySaid.com/wp-content/uploads/2011/08/IMG_2736-tm.jpg" width="480" height="640" alt="IMG_2736.jpg" /></a></center></p>
<p>So I got a new pair of Vibram Five Fingered Shoes, I got the ones <a href="http://GarySaid.com/vibram-five-finger-shoes/" target="_blank" title="Vibram Five-Fingers Sprint">like my first pair of Vibram Shoes called &#8220;Sprint&#8221;</a>.  I was googling all over trying to find a good price but I know there are a bunch of fakes out there.  What I ended up getting was a pair from someone on eBay who had the wrong size.  They look brand new, the soles felt a little thicker than my current pair (but my old pair is definitely broken in) but when looking up information on fake Vibram&#8217;s everything seems to pass.  The color is off a little, just check out my big toe!  But otherwise everything seems to be okay.</p>
<p>Except, my tan line at the top of my foot doesn&#8217;t line up at all.  I&#8217;ve got a similar casual pair that is like the Sprint (but without the strap and it&#8217;s not made out of the same waterproof material) and the tan line doesn&#8217;t stand out like this.  Anyone out there have a few different pairs of Vibram Sprints that don&#8217;t line up the same?</p>
<p>So until they really break in, I&#8217;m really not sure if I&#8217;ll purchase them again like this.</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/my-new-vibram-shoes/">My new Vibram shoes &#8211; 31 photos in 31 days &#8211; Day 1</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>Apple has more cash than the US Government</title>
		<link>http://GarySaid.com/apple-has-more-cash-than-usa-government/</link>
		<comments>http://GarySaid.com/apple-has-more-cash-than-usa-government/#comments</comments>
		<pubDate>Sat, 30 Jul 2011 04:14:08 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[Apple]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[news]]></category>
		<category><![CDATA[government]]></category>

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		<description><![CDATA[<p>According to <a href="http://edition.cnn.com/2011/TECH/innovation/07/29/apple.cash.government/" target="_blank">CNN</a>, Apple now has more cash on hand than the United State government. Wow!!!</p>
<p>&#8220;the government had an operating cash balance Wednesday of $73.8 billion.
Tech juggernaut Apple had a whopping $76.2 billion in cash…&#8221;</p>
<p><a href="http://www.amazon.com/Apple-Confidential-2-0-Definitive-Colorful/dp/1593270100%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D1593270100"></a> The thing to keep in mind is: isn&#8217;t most of the ca$h the government has already allocated [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/apple-has-more-cash-than-usa-government/">Apple has more cash than the US Government</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>According to <a href="http://edition.cnn.com/2011/TECH/innovation/07/29/apple.cash.government/" target="_blank">CNN</a>, Apple now has more cash on hand than the United State government. Wow!!!</p>
<blockquote><p>&#8220;the government had an operating cash balance Wednesday of $73.8 billion.</br><br />
Tech juggernaut Apple had a whopping $76.2 billion in cash…&#8221;</p></blockquote>
<p><a href="http://www.amazon.com/Apple-Confidential-2-0-Definitive-Colorful/dp/1593270100%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D1593270100"><img src="http://ecx.images-amazon.com/images/I/61kUGsIK88L._SL160_.jpg" target="1593270100" alt="Apple Confidential 2.0: The Definitive History of the World's Most Colorful Company Owen Linzmayer, Owen W. Linzmayer" align="right" hspace="5" vspace="2"/></a> The thing to keep in mind is: isn&#8217;t most of the ca$h the government has already allocated for something? This money that Apple has isn&#8217;t even allocated to do anything (to our knowledge). Their stock has hit it&#8217;s highest numbers ever and they&#8217;re likely to release a new iPhone in a month or two when they usually release new iPods and new iPod touches.</p>
<p>The was a rumor the other day they might buy Barnes and Nobel for $1.5 billion, that&#8217;s pocket change when they&#8217;ve got $75 billion(!) in the bank.  Imagine how cheap they could have got Borders if they had wanted it.</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/apple-has-more-cash-than-usa-government/">Apple has more cash than the US Government</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>Onavo significantly cuts my iPhone data use down!</title>
		<link>http://GarySaid.com/onavo-iphone-data-savings-compression/</link>
		<comments>http://GarySaid.com/onavo-iphone-data-savings-compression/#comments</comments>
		<pubDate>Fri, 20 May 2011 21:48:32 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[App Store]]></category>
		<category><![CDATA[Apple iOS]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[portable]]></category>
		<category><![CDATA[dat compression]]></category>
		<category><![CDATA[data plan]]></category>
		<category><![CDATA[iPad]]></category>
		<category><![CDATA[iPhone 4]]></category>

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		<description><![CDATA[<p>So I recently downloaded <a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#38;offerid=78941&#38;type=3&#38;subid=0&#38;tmpid=1826&#38;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252Fus%252Fapp%252Fonavo%252Fid423545287%253Fmt%253D8%2526uo%253D4%2526partnerId%253D30" target="_blank" title="data compression app">Onavo</a> for my iPhone.  It cuts down on your data usage by compressing cellular data on the fly.  I guess it zips up the text and lowers the quality of images (I usually don&#8217;t notice, but sometimes I do) SprintPCS used to do this [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/onavo-iphone-data-savings-compression/">Onavo significantly cuts my iPhone data use down!</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>So I recently downloaded <a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&amp;offerid=78941&amp;type=3&amp;subid=0&amp;tmpid=1826&amp;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252Fus%252Fapp%252Fonavo%252Fid423545287%253Fmt%253D8%2526uo%253D4%2526partnerId%253D30" target="_blank" title="data compression app">Onavo</a> for my iPhone.  It cuts down on your data usage by compressing cellular data on the fly.  I guess it zips up the text and lowers the quality of images (I usually don&#8217;t notice, but sometimes I do) SprintPCS used to do this on their 1G(?) network and it was great.</p>
<p><a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&amp;amp;offerid=78941&amp;amp;type=3&amp;amp;subid=0&amp;amp;tmpid=1826&amp;amp;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252Fus%252Fapp%252Fonavo%252Fid423545287%253Fmt%253D8%2526uo%253D4%2526partnerId%253D30" target="_blank"><img src="http://GarySaid.com/wp-content/uploads/2011/05/onavo.jpg" width="150" height="149" alt="onavo.jpg" hspace="5" vspace="5" align="right"/></a>I&#8217;m getting over 50% overall compression.  It&#8217;s free but it&#8217;s likely they&#8217;ll eventually start charging (so try it now, while it&#8217;s free!).  But if you&#8217;re just squeaking by on a 250 MB plan, this could keep you from jumping up to the next plan at $10 more a month, I assumed it&#8217;d be less than $5 a month(?). Most apps it&#8217;s compresses 70-80%, others no compression and some others at 30-50%.   It works on the iPad too. It&#8217;s compression on the downloading, not on the uploading.  It says that it has no effect on tethering.   </p>
<p>I love it! I actually think it speeds my data up (if it&#8217;s only pushing half of it around, but they aren&#8217;t marketing it that way).  It doesn&#8217;t touch secure data and doesn&#8217;t appear to touch your mail unless you specifically enable it (and it has to be MS Exchange); it converts your e-mails to text, but I actually think that&#8217;s better on the smaller screen. I did just <a href="http://www.google.com/support/mobile/bin/answer.py?answer=138740&amp;topic=14252" target="_blank">change my gMail config to use the MS Exchange protocol</a> to test it out (Google does support this); I&#8217;m getting 50+% compression.</p>
<p>I have the data unlimited plan so this isn&#8217;t such an issue for me, but I might be tempted to pay for a <a href="http://www.wireless.att.com/learn/international/roaming/affordable-world-packages.jsp#data" target="_blank">international data plan</a> next time I travel.  Although, now that I look at the list, I don&#8217;t see Costa Rica in the list, I thought it was there before&#8230;</p>
<p>I&#8217;m grandfathered in on the unlimited plan with ATT, but I have friends considering the iPhone 5 (4s?) whom 250MB might not be enough, but 500MB could certainly be enough.  Sometimes I think it might be eating my data more, but I&#8217;ve been forcing the phone to stay on 3G and not join any WiFi networks so that I can see the savings.</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/onavo-iphone-data-savings-compression/">Onavo significantly cuts my iPhone data use down!</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>Free Junior Frostys at Wendy&#8217;s in Michigan!</title>
		<link>http://GarySaid.com/free-junior-frosty-at-wendys/</link>
		<comments>http://GarySaid.com/free-junior-frosty-at-wendys/#comments</comments>
		<pubDate>Mon, 17 Jan 2011 00:39:01 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[food + drink]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[donate]]></category>
		<category><![CDATA[free]]></category>
		<category><![CDATA[Frosty]]></category>
		<category><![CDATA[Wendy's]]></category>

		<guid isPermaLink="false">http://GarySaid.com/free-junior-frosty-at-wendys/</guid>
		<description><![CDATA[<p>Donate a $1 at Wendy&#8217;s and get a free Frosty Jr. with every purchase you make at Wendy&#8217;s for the rest of the year! Okay, so I guess this really isn&#8217;t free, but it&#8217;s such an awesome deal!</p>
<p><a href="http://GarySaid.com/wp-content/uploads/2011/01/wendys-free-frosty-IMG_2179.jpg"></a>They did this last year (but didn&#8217;t start until April) and it was the best deal ever! [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/free-junior-frosty-at-wendys/">Free Junior Frostys at Wendy&#8217;s in Michigan!</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>Donate a $1 at Wendy&#8217;s and get a free Frosty Jr. with every purchase you make at Wendy&#8217;s for the rest of the year! Okay, so I guess this really isn&#8217;t free, but it&#8217;s such an awesome deal!</p>
<p><a href="http://GarySaid.com/wp-content/uploads/2011/01/wendys-free-frosty-IMG_2179.jpg"><img src="http://uploads.garysaid.com/2011/01/wendys-free-frosty-IMG_2179-tm.jpg" width="250" height="334" alt="wendys-free-frosty-IMG_2179.jpg" title="wendys-free-frosty-IMG_2179.jpg" align="right" hspace="5"/></a>They did this last year (but didn&#8217;t start until April) and it was the best deal ever! They give you the tag for your keychain and you&#8217;re good to go!  Buy a double-stack burger for 99 cents and get a free Junior frosty (what a deal!).</p>
<p>Be sure to getyour keychain tag now, because once they&#8217;re gone, you can&#8217;t get them any more.  I think they should charge $5.00 for them.  The donated money goes to the <em>Dave Thomas Foundation for Adoption</em>.</p>
<p>This is only at Michigan Wendy&#8217;s as far as I know (and this tag says only in Michigan).  If your state offers a similar program, please leave a comment and let me know..</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/free-junior-frosty-at-wendys/">Free Junior Frostys at Wendy&#8217;s in Michigan!</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>Wendy&#8217;s Coupons in Michigan</title>
		<link>http://GarySaid.com/michigan-wendys-coupons/</link>
		<comments>http://GarySaid.com/michigan-wendys-coupons/#comments</comments>
		<pubDate>Tue, 04 Jan 2011 00:30:47 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[food + drink]]></category>
		<category><![CDATA[Michigan]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Coupons]]></category>
		<category><![CDATA[lunch]]></category>
		<category><![CDATA[Wendy's]]></category>

		<guid isPermaLink="false">http://GarySaid.com/michigan-wendys-coupons/</guid>
		<description><![CDATA[<p>It seems about every two months that Wendy&#8217;s resets their <a href="http://MichiganWendys.com/" alt="Michigan Wendys coupons" target="_blank">on-line coupons</a> (this batch is good until Feb. 20, 2011).  It&#8217;s a $1 off combos, $1.99 kid meals and a few 2-for-1 deals (singles, chicken and twisted Frostys).  There appears to be no printing limit, I just printed [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/michigan-wendys-coupons/">Wendy&#8217;s Coupons in Michigan</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>It seems about every two months that Wendy&#8217;s resets their <a href="http://MichiganWendys.com/" alt="Michigan Wendys coupons" target="_blank">on-line coupons</a> (this batch is good until Feb. 20, 2011).  It&#8217;s a $1 off combos, $1.99 kid meals and a few 2-for-1 deals (singles, chicken and twisted Frostys).  There appears to be no printing limit, I just printed a stack and stuck them in the car.  <img src="http://uploads.GarySaid.com/2011/01/wendys-logo.jpg" width="94" height="78" alt="wendys-logo.png" title="wendys-logo.png" align="left" hspace=4" vspace="2"/>I go 2+ times a week so this is a no brainer for me.  I&#8217;ll have $14-$20 extra in my pocket by the time March rolls around.</p>
<p>And the address hould be easy to remember it&#8217;s http://<a href="http://MichiganWendys.com/" target="_blank" title="Michigan Wendys">MichiganWendys.com</a>/</p>
<p>Yes, the coupons specifically say they&#8217;re <em>only good for Michigan</em>.</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/michigan-wendys-coupons/">Wendy&#8217;s Coupons in Michigan</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>The poor economy helps me with my Mortgage!</title>
		<link>http://GarySaid.com/poor-economy-helps-mortgage/</link>
		<comments>http://GarySaid.com/poor-economy-helps-mortgage/#comments</comments>
		<pubDate>Sun, 26 Sep 2010 14:58:44 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[Dearborn]]></category>
		<category><![CDATA[Michigan]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[PMI]]></category>

		<guid isPermaLink="false">http://GarySaid.com/poor-economy-helps-mortgage/</guid>
		<description><![CDATA[<p>When I purchased my home I thought I&#8217;d stay in it around four or five years, give or take a year, next month will make eleven years!  I&#8217;d never owned a home before, but interest rates were good, I had a condo that I liked and when the rent on my Southgate apartment jumped [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/poor-economy-helps-mortgage/">The poor economy helps me with my Mortgage!</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>When I purchased my home I thought I&#8217;d stay in it around four or five years, give or take a year, next month will make eleven years!  I&#8217;d never owned a home before, but interest rates were good, I had a condo that I liked and when the rent on my Southgate apartment jumped way up, it sealed this was the deal for me.  </p>
<p><a href="http://www.amazon.com/Mortgages-Dummies-3rd-Eric-Tyson/dp/0470379960%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D0470379960"><img src="http://ecx.images-amazon.com/images/I/51paWH-8XnL._SL160_.jpg" target="0470379960" alt="Mortgages For Dummies, 3rd Edition Eric Tyson, Ray Brown" align="right" hspace="5" vspace="2"/></a> The rates on the 5-year Adjustable Rate Mortgages (ARM) seemed pretty decent; I knew rates were down but I like to cover my bets, and any year after five years the mortgage could go up 2% a year.  Silly me, I was <em>worried</em> that if the economy got better I&#8217;d have a higher mortgage rate; but I never thought I&#8217;d live here more than seven years (when it would have the opportunity to have jumped up 2% two times).</p>
<p>Well it&#8217;s that time of year again and my mortgage adjusted, it went down 1/8th of a percent. I&#8217;m now paying 3.125%, this is much less than my original 6.875%.  While I understand the value of my home has probably dropped, at least I&#8217;m not paying a higher mortgage at the same time, the lower value means less property taxes.</p>
<pre><strong>Year</strong> <strong>Rate</strong>
1998 6.875%
1999 6.875%
2000 6.875%
2001 5.25% <font style="font-size:x-small;">(paid $750 to lower rate*)</font>
2002 4.25% <font style="font-size:x-small;">(paid $750 to lower rate*)</font>
2003 4.25%
2004 4.25%
2005 4.25%
2006 4.25%
2007 4.25%
2008 4.875% <font style="font-size:x-small;">(first yearly adjust)</font>
2009 3.25% <font style="font-size:x-small;">(yearly adjust)</font>
2010 3.125% <font style="font-size:x-small;">(yearly adjust)</font>
</pre>
<p>I was paying the higher rate in the beginning when I owed a lot more money, so the higher interest rate did affect me more, but at the time it was a low interest rate.  I think the rates were around 7% at the time and I paid a few hundred dollars ($300-ish) to lower it 3/8ths of a percent, which was supposed to take three-and-a-half years to make that few hundred dollar fee back, but since I paid the $750 to lower the rate I lost out on that (I think it was three years to the day) but only the $30-$50 I hadn&#8217;t recovered; I still think that was a good decision, who could have predicted a crisis of 9/11 proportions would occur?  </p>
<p>I&#8217;m living on the East side of Dearborn (Michigan, United States) and they&#8217;ve finally removed the old deserted Montgomery Wards building and finishing a new office building which might help (a tiny bit) in revitalizing this side of town&#8230;</p>
<p>I made pretty good money decisions on this for my first time.  The one big mistake I made was at the time of purchase I did have the ability to put 20% down (I had put down 15%) and I wish I had done the 20%; yes I know that&#8217;s a lot to put down these days, but my mother always taught me to be a good saver and I knew I&#8217;d want to buy someday.  Here&#8217;s why: The PMI insurance, this is the insurance that <em>you</em> pay for to guarantee that <em>you</em> won&#8217;t default (but only for the first 20%), was harder to drop than they made me believe: you had to pay for an inspection and <em>if</em> the value of the house had dropped it wouldn&#8217;t be 20% and it wouldn&#8217;t get waived so I was a little nervous and a little annoyed.  But it was $35 a month that I was putting towards nothing (for me, at least) that could have been towards my house and I didn&#8217;t like seeing it on my statement.  It was about $35 for every 5%, so if I&#8217;d put down 0%, it&#8217;d have been $140 a month (that&#8217;s $1440 each year!).  But if something had happened at the time and I needed the money, that would have been gone from my reserves (but I&#8217;m still kicking myself for it).</p>
<p>So other than my PMI rant, the whole home owning process has gone really really well.  I&#8217;m still happy with the home.  It&#8217;s been very centrally located to the three different jobs (Allen Park, Redford, Hamtramck) I&#8217;ve had since I lived here.  </p>
<p><font style="font-size:x-small;">*Surprisingly, when I paid the $750 for the ARM to adjust adjust the rate, it actually restarted the 5-years over!  So when I ended up changing to the 4.25% rate, it held for the next 5 years.</font></p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/poor-economy-helps-mortgage/">The poor economy helps me with my Mortgage!</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>Brownie Bites at Applebee&#8217;s</title>
		<link>http://GarySaid.com/brownie-dessert/</link>
		<comments>http://GarySaid.com/brownie-dessert/#comments</comments>
		<pubDate>Thu, 12 Aug 2010 22:19:57 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[food + drink]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Applebee's]]></category>
		<category><![CDATA[brownies]]></category>
		<category><![CDATA[dessert]]></category>

		<guid isPermaLink="false">http://GarySaid.com/brownie-dessert/</guid>
		<description><![CDATA[<p>Just had the best dessert at Applebee&#8217;s for only one dollar! A tiny warm brownie with a small scoop of ice cream.  It was delicious!!!  And did I say it was only $1?</p>
<p><a href="http://GarySaid.com/wp-content/uploads/2010/08/brownie-bites-IMG_0815.jpg"></a> </p>
<p>Not the best photo, but the flash was too bright and it was kinda dim (this photo) without it, [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/brownie-dessert/">Brownie Bites at Applebee&#8217;s</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>Just had the best dessert at Applebee&#8217;s for only one dollar! A tiny warm brownie with a small scoop of ice cream.  It was delicious!!!  And did I say it was only $1?</p>
<p><center><a href="http://GarySaid.com/wp-content/uploads/2010/08/brownie-bites-IMG_0815.jpg"><img src="http://uploads.garysaid.com/2010/08/brownie-bites-IMG_0815-tm.jpg" width="480" height="358" alt="brownie-bites-IMG_0815.JPG" title="brownie-bites-IMG_0815.JPG" /></a> </center></p>
<p>Not the best photo, but the flash was too bright and it was kinda dim (this photo) without it, it was even better than it looked!</p>
<p>I guess they&#8217;ve only been doing this Brownie Bites deal until 4 PM, but they (at least the Allen Park Applebee&#8217;s) is extending it.</p>
<p>They had Long Island Iced Tea&#8217;s for $4 and I got a <em>huge</em> amount of shrimp and fries for $11 with it.  Yum!</p>
<p>Everything was great there (thanks Tiffany!) except there were at least 5 feet of receipts printed off for my purchase (I paid with credit and finished off a gift card) which was a little insane&#8230;.</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/brownie-dessert/">Brownie Bites at Applebee&#8217;s</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>News Reading with Doppler &#8211; FREE until July 20th, 2010</title>
		<link>http://GarySaid.com/news-reading-with-doppler-google-reader/</link>
		<comments>http://GarySaid.com/news-reading-with-doppler-google-reader/#comments</comments>
		<pubDate>Sat, 10 Jul 2010 20:11:13 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[App Store]]></category>
		<category><![CDATA[Apple iOS]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[web sites]]></category>
		<category><![CDATA[Doppler]]></category>
		<category><![CDATA[feeds]]></category>
		<category><![CDATA[Google Reader]]></category>
		<category><![CDATA[RSS]]></category>

		<guid isPermaLink="false">http://GarySaid.com/news-reading-with-doppler-google-reader/</guid>
		<description><![CDATA[<p>I like using a NewsReader on my iPhone (or iPod Touch) and one of my favorites is <a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#038;offerid=78941&#038;type=3&#038;subid=0&#038;tmpid=1826&#038;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252Fus%252Fapp%252Fdoppler%252Fid292400740%253Fmt%253D8%2526uo%253D4%2526partnerId%253D30" target="itunes_store">Doppler</a>. It&#8217;s easy to use and it synchronizes with Google Reader so it makes off-line reading easy to do.  So this means that when you read an article it marks it as read on Google [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/news-reading-with-doppler-google-reader/">News Reading with Doppler &#8211; FREE until July 20th, 2010</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>I like using a NewsReader on my iPhone (or iPod Touch) and one of my favorites is <a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#038;offerid=78941&#038;type=3&#038;subid=0&#038;tmpid=1826&#038;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252Fus%252Fapp%252Fdoppler%252Fid292400740%253Fmt%253D8%2526uo%253D4%2526partnerId%253D30" target="itunes_store">Doppler</a>. It&#8217;s easy to use and it synchronizes with Google Reader so it makes off-line reading easy to do.  So this means that when you read an article it marks it as read on Google so you don&#8217;t end up reading it again.</p>
<p><a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&amp;offerid=78941&amp;type=3&amp;subid=0&amp;tmpid=1826&amp;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252Fus%252Fapp%252Fdoppler%252Fid292400740%253Fmt%253D8%2526uo%253D4%2526partnerId%253D30" target="_blank"><img src="http://GarySaid.com/wp-content/uploads/2010/07/doppler.175x175-75.jpg" align="right" hspace="5" width="133" height="133" alt="doppler.175x175-75.jpg" title="doppler.175x175-75.jpg" /></a>It caches all your RSS feeds for off-line reading so it&#8217;s pretty fast when you&#8217;re going through the news since it cached it in advance; but this means you do click to click on the link a minute before you&#8217;re ready to read since it doesn&#8217;t download in the background. I usually tap it before I leave the house since it&#8217;s faster on the WiFi, even if I don&#8217;t read it soon, it&#8217;s cached most of the recent articles so that when I do sync over 3G it&#8217;s already got most of the new news&#8230;</p>
<p>TIP: When configuring to sync with Google it lists all your individual feeds at the top of the list, but if you scroll to the bottom of the list you can choose your &#8220;folders&#8221; as defined in Google Ready</p>
<p>I&#8217;m mentioning this software today because <strong>it&#8217;s free for download until July 20th, 2010.</strong>  It&#8217;s worth the money, but free is better, isn&#8217;t it?</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/news-reading-with-doppler-google-reader/">News Reading with Doppler &#8211; FREE until July 20th, 2010</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>What are your tips for reducing spending?   Friday Question #95</title>
		<link>http://GarySaid.com/seven-easy-tips-for-reducing-spending/</link>
		<comments>http://GarySaid.com/seven-easy-tips-for-reducing-spending/#comments</comments>
		<pubDate>Sat, 09 Jan 2010 05:46:49 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[meme]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[Friday Question]]></category>
		<category><![CDATA[reduce]]></category>
		<category><![CDATA[spending]]></category>

		<guid isPermaLink="false">http://GarySaid.com/seven-easy-tips-for-reducing-spending/</guid>
		<description><![CDATA[<p>Here are some of my <em>easy</em> tips for reducing spending.  I don&#8217;t go in to <a href="http://www.ilaxstudio.com/blog/2010/01/08/friday-question-95/" target="_blank">as many items as Kim (from the Friday Question) does</a> but these can add up quick so I&#8217;ll share a few of my easiest ones.  Actually I think most of these add up faster than shopping [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/seven-easy-tips-for-reducing-spending/">What are your tips for reducing spending?   Friday Question #95</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>Here are some of my <em>easy</em> tips for reducing spending.  I don&#8217;t go in to <a href="http://www.ilaxstudio.com/blog/2010/01/08/friday-question-95/" target="_blank">as many items as Kim (from the Friday Question) does</a> but these can add up quick so I&#8217;ll share a few of my easiest ones.  Actually I think most of these add up faster than shopping around for gas prices (even if you drive a big vehicle).  </p>
<p><a href="http://www.amazon.com/Managing-Money-Dummies-Lifestyles-Paperback/dp/0470345462%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D0470345462"><img src="http://ecx.images-amazon.com/images/I/51QStAKN1lL._SL160_.jpg" target="0470345462" alt="Managing Your Money All-In-One For Dummies (For Dummies (Lifestyles Paperback)) Consumer Dummies" align="right" hspace="5" vspace="2"/></a>1) <strong>Pay your bills automatically (and on time)!</strong> I don&#8217;t mean electronically (this is work), I mean <em>auto</em>matically so they just deduct your account.  Set up auto-bill payments just one time so bills comes out the of the bank (generally on the day due, you can&#8217;t pay it any closer that that) any you don&#8217;t have to write checks, buy stamps or take the time to do it. If it&#8217;s a regular payment (same amount every month) that can&#8217;t do direct withdrawal see if your bank can send a check for you, my bank does it for a quarter (less than a stamp) and I never have to think about it.  If you do this you&#8217;ll avoid any fees or fines for tardy bills. I&#8217;m assuming you already do direct deposit for your checks, don&#8217;t you?</p>
<p>2) <strong>Keep what you drink around you. </strong>If you&#8217;re always drinking water keep a few in the trunk.  Or grab a cold soda on the way out of the house. I keep a case of water bottles<a href="http://GarySaid.com/stop-drinking-bottled-water/" target="_blank">*</a> in the garage, if I take an empty out of the car, I put in a full one. If you&#8217;re heading out to a picnic bring the sodas with you.  If you&#8217;ve got a fridge at work, keep sodas/water/etc. there. If this stops you from buying one drink a day ($1.00-$1.75) and you purchased your drinks on sale (stock up dummy!) you could easily save $365 a year, if this stops you from buying two drinks a day you could double that.  Even just twice a week could pocket you a $100 at the end of the year. I&#8217;m not suggesting that you take your drink into a restaurant or movie theatre just if you&#8217;e going to get one anyways.</p>
<p>3) <strong>Pay <em>a little</em> attention to grocery sales. </strong> I shop for groceries for myself and traditionally when trying coupon cutting I waste more time cutting and looking at the store for the coupons then I save.  But look for the obvious:  If Orange Juice is on sale for $2 a gallon (down from $4) and you drink a gallon a week, stock up, pay attention to the dates though.  If the cereal you like is on sale, stock up!  And if you soda pop you drink is on sale, buy lots, it keeps for a while.  Besides you want to keep some at your desk at work.</p>
<p>4) <strong>If you <em>ever</em> eat out, buy an <a href="http://www.entertainment.com/discount/home.shtml" target="_blank">Entertainment</a> book.</strong> It&#8217;s not just food, most food coupons are B!G!, but could save the price of a book just with the Radio Shack, Target and Border&#8217;s book coupons.  I&#8217;m not saying go to restaurants that you don&#8217;t normally go to, I&#8217;m saying just look at the book and go to the same places you already go!  After the first year, you&#8217;ll buy one for both of your cars (if your family has two).  Better yet, buy one before the family goes on vacation and use it <a href="http://www.entertainment.com/discount/local_editions.shtml" target="_blank">there</a>, because  if you&#8217;re going to eat at unfamiliar restaurants, you might as well as use one you&#8217;ve got coupons for!</p>
<p>5) <strong>Don&#8217;t pay <em>too much</em> for gasoline.</strong> Speaking of saving money when shopping for gas, you can pay more than the cheapest place, just not too much.  Some people drive across town for 5 cents a gallon, but not out of the way may save them 3 cents. Take two seconds to check prices at <a href="http://www.gasbuddy.com/" target="_blank">GasBuddy.com</a> and see what&#8217;s average and if prices are going up or down (once you select your cities you can bookmark it).  For example, there&#8217;s a few places at $2.59 but that&#8217;s across town but there is a bunch around $2.63 on the way to where I&#8217;m going but now I know to ignore the $2.77+ stations, which is what it was a few days ago.  BTW, there&#8217;s <a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#038;offerid=78941&#038;type=3&#038;subid=0&#038;tmpid=1826&#038;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252Fus%252Fapp%252Fgas-buddy-save-money-at-pump%252Fid299969005%253Fmt%253D8%2526uo%253D6%2526partnerId%253D30" target="_blank">an iPhone app for that</a>.</p>
<p>6) <strong>Use the library for books, audiobooks or DVDs. </strong> Figure out how to reserve items on-line and they&#8217;ll contact you when it&#8217;s sitting at the counter.  My library seems to put books in the electronic catalog when they order, so I can reserve best-sellers months before they come out; they&#8217;ll even ship them between branches for me.  Just return them on time so you don&#8217;t pay fines.</p>
<p>7) <strong>Don&#8217;t buy lottery tickets!</strong> But then again if you don&#8217;t play you can&#8217;t win.  That reminds me, I need to check my ticket numbers.  I&#8217;ll admit, I do buy tickets, but $3 would be a busy week for me.  But someone has to win, don&#8217;t they?</p>
<p>Most of these, especially the first five, are easy to do and don&#8217;t require much change in your life.  If anything the first one will save you time and money.  </p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/seven-easy-tips-for-reducing-spending/">What are your tips for reducing spending?   Friday Question #95</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>Free download of the Up soundtrack from Disney / Pixar</title>
		<link>http://GarySaid.com/free-disney-up-soundtrack/</link>
		<comments>http://GarySaid.com/free-disney-up-soundtrack/#comments</comments>
		<pubDate>Thu, 03 Dec 2009 07:09:54 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[money]]></category>
		<category><![CDATA[movies]]></category>
		<category><![CDATA[music]]></category>
		<category><![CDATA[Disney]]></category>
		<category><![CDATA[free]]></category>
		<category><![CDATA[Pixar]]></category>
		<category><![CDATA[soundtrack]]></category>
		<category><![CDATA[Up]]></category>

		<guid isPermaLink="false">http://GarySaid.com/free-disney-up-soundtrack/</guid>
		<description><![CDATA[<p>Here&#8217;s a <a href="http://tinyurl.com/yady6bz" target="_blank"> free download to the soundtrack of Disney&#8217;s and Pixar&#8217;s Up</a> <a href="http://www.amazon.com/Up/dp/B002A4ZN1A%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3DB002A4ZN1A"></a>be sure to use the code <strong>latimesdisney</strong> when it asks for it.</p>
<p><strong>This promotion has expired.</strong> </p>
<p>The soundtrack was nominated for &#8220;Best Original Score&#8221; but I&#8217;m not sure which award (Oscar, Grammy, Academy?).  It was done by <a href="http://en.wikipedia.org/wiki/Michael_Giacchino" [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/free-disney-up-soundtrack/">Free download of the Up soundtrack from Disney / Pixar</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>Here&#8217;s a <a href="http://tinyurl.com/yady6bz" target="_blank"> free download to the soundtrack of Disney&#8217;s and Pixar&#8217;s <b>Up</b></a> <a href="http://www.amazon.com/Up/dp/B002A4ZN1A%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3DB002A4ZN1A"><img src="http://ecx.images-amazon.com/images/I/61xH-GMcU5L._SL160_.jpg" target="B002A4ZN1A" alt="Up Walt Disney Records" align="right" hspace="5" vspace="2"/></a>be sure to use the code <strong>latimesdisney</strong> when it asks for it.</p>
<p><center><strong>This promotion has expired.</strong> </center></p>
<p>The soundtrack was nominated for &#8220;Best Original Score&#8221; but I&#8217;m not sure which award (Oscar, Grammy, Academy?).  It was done by <a href="http://en.wikipedia.org/wiki/Michael_Giacchino" target="_blank">Michael Giacchino</a> who did Ratatouille, Lost, The Incredibles, Star Trek, Alias, Fringe and more.</p>
<p>This offer is only supposed to be good <em>until the end of Thursday</em>. </p>
<p>Please let me know in the comments if this works for you (or more importantly, when it stops working)&#8230;</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/free-disney-up-soundtrack/">Free download of the Up soundtrack from Disney / Pixar</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>I&#8217;ve been very fortunate with my Home Mortgage ARM</title>
		<link>http://GarySaid.com/i-have-been-very-lucky-with-my-adjustable-rate-mortgage/</link>
		<comments>http://GarySaid.com/i-have-been-very-lucky-with-my-adjustable-rate-mortgage/#comments</comments>
		<pubDate>Sat, 26 Sep 2009 21:44:04 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[money]]></category>
		<category><![CDATA[Adjustable Rate Mortgage]]></category>
		<category><![CDATA[ARM]]></category>
		<category><![CDATA[bills]]></category>
		<category><![CDATA[HSBC]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[Mortgage]]></category>

		<guid isPermaLink="false">http://GarySaid.com/i-have-been-very-lucky-with-my-adjustable-rate-mortgage/</guid>
		<description><![CDATA[<p>I originally purchased my condo almost ten years ago. I purchased it with a five-year ARM (Adjustable Rate Mortgage) which means that after the five years my interest rate changes once a year. Since I never thought I&#8217;d live here five years, let alone ten it seemed like a good option for me. <a href="http://www.amazon.com/Mortgages-Dummies-3rd-Eric-Tyson/dp/0470379960%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D0470379960"></a>I&#8217;m [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/i-have-been-very-lucky-with-my-adjustable-rate-mortgage/">I&#8217;ve been very fortunate with my Home Mortgage ARM</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>I originally purchased my condo almost ten years ago. I purchased it with a five-year ARM (Adjustable Rate Mortgage) which means that after the five years my interest rate changes once a year. Since I never thought I&#8217;d live here five years, let alone ten it seemed like a good option for me. <a href="http://www.amazon.com/Mortgages-Dummies-3rd-Eric-Tyson/dp/0470379960%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D0470379960"><img src='http://ecx.images-amazon.com/images/I/51paWH-8XnL._SL160_.jpg' width='127' height='160' border='0' align='right' hspace='2' vspace='2'></a>I&#8217;m still living here and due to a variety of circumstances my rate never started fluctuating until last year (see <a href="http://garysaid.com/my-adjustable-rate-mortgage-adjusted/" target="_blank">my ARM story from last year</a>).   </p>
<p>I was pretty happy when my mortgage rate only jumped up a little last year, but with the economy even worse this year my rate actually dropped 1.625% to <strong>a new total of only 3.25%!</strong> I know this shows the economy isn&#8217;t very good right now, but (while I don&#8217;t really talk about it) my personal economy isn&#8217;t so great right now either, so this is really a good thing for me.</p>
<p>I believe my mortgage rate is is based on a margin of 2.875% plus an index (1 year treasury-bills) which is currently 0.40% so that makes that a 3.25%. So unless the index can go less than 0.0.% (and I don&#8217;t think it can) I&#8217;m pretty much as low as it can go.  </p>
<p>FYI, My mortgage was bought up by HSBC as soon as I got it (within hours) and they&#8217;ve been a pleasure to work with.  And to get my mortgage, my first mortgage, my bible was <a href="http://www.amazon.com/Mortgages-Dummies-3rd-Eric-Tyson/dp/0470379960%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3D0470379960">Mortgages for Dummies</a>. Also, Here&#8217;s a place to get the <a href="http://www.ustreas.gov/offices/domestic-finance/debt-management/interest-rate/yield.shtml" target="_blank">current and past rates from the U.S. Treasury</a>.</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/i-have-been-very-lucky-with-my-adjustable-rate-mortgage/">I&#8217;ve been very fortunate with my Home Mortgage ARM</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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		<title>Get unlimited calling to 5 (or 10) numbers on your AT&amp;T cell phone.</title>
		<link>http://GarySaid.com/a-list-unlimited-att-cell-phone-calling-for-5-or-10-numbers/</link>
		<comments>http://GarySaid.com/a-list-unlimited-att-cell-phone-calling-for-5-or-10-numbers/#comments</comments>
		<pubDate>Sun, 20 Sep 2009 20:09:33 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[customer service]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[A-List]]></category>
		<category><![CDATA[AT&T]]></category>
		<category><![CDATA[Cell Phone]]></category>
		<category><![CDATA[unlimited calling]]></category>

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		<description><![CDATA[<p>This new free add-on to AT&#038;T Cell phones that starts today for sign-up.  You&#8217;ll get to choose 5 numbers with unlimited to and from calling for individual plans $59.99 a month or higher.  Family plans $89.99 a month or higher get to choose 10 numbers (shared between all users).  It looks like [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/a-list-unlimited-att-cell-phone-calling-for-5-or-10-numbers/">Get unlimited calling to 5 (or 10) numbers on your AT&#038;T cell phone.</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>This new free add-on to AT&#038;T Cell phones that starts today for sign-up.  You&#8217;ll get to choose 5 numbers with unlimited to and from calling for individual plans $59.99 a month or higher.  Family plans $89.99 a month or higher get to choose 10 numbers (shared between all users).  It looks like this is Unity or Nation plans; see <a href="http://att.com/alist" target="_blank">http://att.com/alist</a> for more info (this link still gives you info, but the login seems to generate an error, so just <a href="http://www.wireless.att.com/my-account" target="_blank">login normally</a> and click on manage your A-List).</p>
<p>That&#8217;s calling to any other company cell phones or land-lines!  It&#8217;s a free upgrade to those who qualify so it&#8217;s kind of a no-brainer to sign up.</p>
<p><center><a href="http://att.com/alist" target="_blank"><img title="alist-att.png" src="http://GarySaid.com/wp-content/uploads/2009/09/alist-att.jpg" alt="alist-att.png" width="408" height="188" /></a></center></p>
<p>Five numbers for an individual plan.  That&#8217;s huge! I&#8217;d guess 95% of my minutes go to the same five numbers; 75% percent probably go to just three numbers.</p>
<blockquote><p>Only standard domestic landline or wireless numbers may be added. Directory assistance, 900 numbers, customer&#8217;s own wireless or Voice Mail access numbers, and machine to machine numbers are not eligible. Only voice calling is eligible.</p>
<p><em>- From the AT&amp;T A-List &#8220;Feature Terms &amp; Conditions&#8221;</em></p></blockquote>
<p>Even if you have enough minutes, it&#8217;s silly to not sign up and get the free leftover minutes put into your rollover account.  It might even be worth it to lower your plan if you have a much higher plan.</p>
<p>Here&#8217;s the thing though, if you have more than enough minutes, this really isn&#8217;t going to help much, you&#8217;re probably already on an appropriate plan. It&#8217;s really most helpful if you were already considering raising your minutes.  If you were considering adding another phone (or two) to your plan, you might get away with doing it and not having to add more minutes.  Or if you&#8217;ve considered ditching your land-line and just going cellular. Remember AT&amp;T is doing this to be competitive and probably did the math for everyone&#8217;s most called numbers; it was probably this or lower prices and who wants to give up money these days&#8230;?</p>
<p>Please let me know in the comments how this plan might benefit you most.  And remember to come back in a few months and let me know how this affects your bill, especially if you change your plan and save money because of it.</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/a-list-unlimited-att-cell-phone-calling-for-5-or-10-numbers/">Get unlimited calling to 5 (or 10) numbers on your AT&#038;T cell phone.</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
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		<title>Bomb In A Birdcage &#8211; A Fine Frenzy&#8217;s new album is out!</title>
		<link>http://GarySaid.com/bomb-in-a-birdcage-a-fine-frenzy/</link>
		<comments>http://GarySaid.com/bomb-in-a-birdcage-a-fine-frenzy/#comments</comments>
		<pubDate>Tue, 08 Sep 2009 17:43:53 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[money]]></category>
		<category><![CDATA[music]]></category>
		<category><![CDATA[A Fine Frenzy]]></category>
		<category><![CDATA[Alison Sudol]]></category>
		<category><![CDATA[Bomb In A Birdcage]]></category>
		<category><![CDATA[mp3]]></category>

		<guid isPermaLink="false">http://GarySaid.com/bomb-in-a-birdcage-a-fine-frenzy/</guid>
		<description><![CDATA[<p><a href="http://www.amazon.com/gp/product/B002M50HRM?ie=UTF8&#038;tag=garylapointe-20&#038;linkCode=as2&#038;camp=1789&#038;creative=390957&#038;creativeASIN=B002M50HRM"></a>The new <em>A Fine Frenzy</em> album <a href="http://www.amazon.com/gp/product/B002M50HRM?ie=UTF8&#038;tag=garylapointe-20&#038;linkCode=as2&#038;camp=1789&#038;creative=390957&#038;creativeASIN=B002M50HRM">Bomb In A Birdcage</a> has been released today.  I&#8217;ve mentioned <a href="http://GarySaid.com/?s=A Fine Frenzy" target="_blank">A Fine Frenzy</a> many times and seen Alison in concert several times.</p>
<p><a href="http://www.amazon.com/gp/product/B002M50HRM?ie=UTF8&#038;tag=garylapointe-20&#038;linkCode=as2&#038;camp=1789&#038;creative=390957&#038;creativeASIN=B002M50HRM"></a>Here&#8217;s the great thing the MP3 album from Amazon is only $3.99, that might only be a today only offer [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/bomb-in-a-birdcage-a-fine-frenzy/">Bomb In A Birdcage &#8211; A Fine Frenzy&#8217;s new album is out!</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p><a href="http://www.amazon.com/gp/product/B002M50HRM?ie=UTF8&#038;tag=garylapointe-20&#038;linkCode=as2&#038;camp=1789&#038;creative=390957&#038;creativeASIN=B002M50HRM"><img border="0" src="/imagesamazon/51K-G4xbeiL._SL160_.jpg" align="left" hspace="5"></a>The new <em>A Fine Frenzy</em> album <a href="http://www.amazon.com/gp/product/B002M50HRM?ie=UTF8&#038;tag=garylapointe-20&#038;linkCode=as2&#038;camp=1789&#038;creative=390957&#038;creativeASIN=B002M50HRM">Bomb In A Birdcage</a> has been released today.  I&#8217;ve mentioned <a href="http://GarySaid.com/?s=A Fine Frenzy" target="_blank">A Fine Frenzy</a> many times and seen Alison in concert several times.</p>
<p><a href="http://www.amazon.com/gp/product/B002M50HRM?ie=UTF8&#038;tag=garylapointe-20&#038;linkCode=as2&#038;camp=1789&#038;creative=390957&#038;creativeASIN=B002M50HRM"><img border="0" src="/imagesamazon/41uVfknzFML._AA240_.jpg" align="right" hspace="5"></a><span style="text-decoration: line-through;">Here&#8217;s the great thing the MP3 album from Amazon is only $3.99, that might only be a today only offer (but sometimes these deals last for days). </span> That&#8217;s 12 tracks <a href="http://www.amazon.com/gp/product/B002M50HRM?ie=UTF8&#038;tag=garylapointe-20&#038;linkCode=as2&#038;camp=1789&#038;creative=390957&#038;creativeASIN=B002M50HRM">if you get it from Amazon</a> (I think one is a bonus track but it&#8217;s a different bonus track than the <a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#038;offerid=78941&#038;type=3&#038;subid=0&#038;tmpid=1826&#038;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252FWebObjects%252FMZStore.woa%252Fwa%252FviewAlbum%253Fi%253D326766427%2526id%253D326766426%2526s%253D143441%2526uo%253D6%2526partnerId%253D30">$9.99 iTunes version</a>).  I actually don&#8217;t know how long this offer will last, but I picked it up a copy.  FYI, the Amazon songs are 256 kbps and will play on your iPod/iPhone and the Amazon downloader will put them right into your iTunes for you!  </p>
<p><strong>UPDATE: </strong>You can can purchase just the iTunes bonus track of <a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#038;offerid=78941&#038;type=3&#038;subid=0&#038;tmpid=1826&#038;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252FWebObjects%252FMZStore.woa%252Fwa%252FviewAlbum%253Fi%253D326766484%2526id%253D326766426%2526s%253D143441%2526uo%253D6%2526partnerId%253D30">Coming Around</a> for 99 cents.  That gets you a deluxe (nonexistent) version of the album!</p>
<p>Personally, I like buying the actual CD verses the digital media, but I figure there&#8217;s a good chance I&#8217;ll see here in concert and get the CD autographed so I&#8217;ll pick it up from her then. Here&#8217;s a link to the actual 11-track <a href="http://www.amazon.com/gp/product/B0029LHW4K?ie=UTF8&#038;tag=garylapointe-20&#038;linkCode=as2&#038;camp=1789&#038;creative=390957&#038;creativeASIN=B0029LHW4K">Bomb in a Birdcage</a> CD at Amazon.</p>
<p><font style="font-size:x-small;">FYI &#8211; These are affiliate links above. I get a small kickback if you follow these links and buy <em>anything</em>. </font><img src="http://www.assoc-amazon.com/e/ir?t=garylapointe-20&#038;l=as2&#038;o=1&#038;a=B002M50HRM" width="1" height="1" border="0" alt=""  /></p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/bomb-in-a-birdcage-a-fine-frenzy/">Bomb In A Birdcage &#8211; A Fine Frenzy&#8217;s new album is out!</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
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	Tags and Categories: <a href="http://GarySaid.com/tags/a-fine-frenzy/" title="A Fine Frenzy" rel="tag">A Fine Frenzy</a>, <a href="http://GarySaid.com/tags/alison-sudol/" title="Alison Sudol" rel="tag">Alison Sudol</a>, <a href="http://GarySaid.com/tags/bomb-in-a-birdcage/" title="Bomb In A Birdcage" rel="tag">Bomb In A Birdcage</a>, <a href="http://GarySaid.com/topics/money/" title="money" rel="tag">money</a>, <a href="http://GarySaid.com/tags/money/" title="money" rel="tag">money</a>, <a href="http://GarySaid.com/tags/mp3/" title="mp3" rel="tag">mp3</a>, <a href="http://GarySaid.com/topics/music/" title="music" rel="tag">music</a>, <a href="http://GarySaid.com/tags/music/" title="music" rel="tag">music</a><br />
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		<title>Defying Gravity still Free at iTunes</title>
		<link>http://GarySaid.com/defying-gravity-free-on-itunes/</link>
		<comments>http://GarySaid.com/defying-gravity-free-on-itunes/#comments</comments>
		<pubDate>Sun, 23 Aug 2009 15:22:09 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[money]]></category>
		<category><![CDATA[television]]></category>
		<category><![CDATA[Defying Gravity]]></category>
		<category><![CDATA[free]]></category>
		<category><![CDATA[iTunes]]></category>
		<category><![CDATA[iTunes music store]]></category>

		<guid isPermaLink="false">http://GarySaid.com/defying-gravity-free-on-itunes/</guid>
		<description><![CDATA[<p><a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#38;offerid=78941&#38;type=3&#38;subid=0&#38;tmpid=1826&#38;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252FWebObjects%252FMZStore.woa%252Fwa%252FviewTVSeason%253Fi%253D325991876%2526id%253D324346967%2526s%253D143441%2526uo%253D6%2526partnerId%253D30" target="_blank"></a>So I noticed not only does iTunes still have the  <a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#038;offerid=78941&#038;type=3&#038;subid=0&#038;tmpid=1826&#038;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252FWebObjects%252FMZStore.woa%252Fwa%252FviewTVSeason%253Fi%253D325991876%2526id%253D324346967%2526s%253D143441%2526uo%253D6%2526partnerId%253D30">Defying Gravity pilot for free</a> the next episode is also free (that&#8217;s 3 episodes, the 2-part pilot and <em>Threshold</em>) and it&#8217;s in HD!   So if you&#8217;ve been wanting to catch up, now is the time&#8230;</p>
<p>Who knows how long they&#8217;ll [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/defying-gravity-free-on-itunes/">Defying Gravity still Free at iTunes</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p><a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&amp;offerid=78941&amp;type=3&amp;subid=0&amp;tmpid=1826&amp;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252FWebObjects%252FMZStore.woa%252Fwa%252FviewTVSeason%253Fi%253D325991876%2526id%253D324346967%2526s%253D143441%2526uo%253D6%2526partnerId%253D30" target="_blank"><img src="http://GarySaid.com/wp-content/uploads/2009/08/defygrav.jpg" width="100" height="100" alt="defygrav.jpg" title="defygrav.jpg" align="right" hspace="4"/></a>So I noticed not only does iTunes still have the  <a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#038;offerid=78941&#038;type=3&#038;subid=0&#038;tmpid=1826&#038;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252FWebObjects%252FMZStore.woa%252Fwa%252FviewTVSeason%253Fi%253D325991876%2526id%253D324346967%2526s%253D143441%2526uo%253D6%2526partnerId%253D30">Defying Gravity pilot for free</a> the next episode is also free (that&#8217;s 3 episodes, the 2-part pilot and <em>Threshold</em>) and it&#8217;s in HD!   So if you&#8217;ve been wanting to catch up, now is the time&#8230;</p>
<p>Who knows how long they&#8217;ll keep doing this, it&#8217;s been three weeks for the pilot now.  If I knew they were putting up HD episodes all the time, I&#8217;d be happy to watch the show a few weeks behind.  I&#8217;d even be happy if they inserted advertisements to pay for it.  <em>Are you listening Apple and the TV distribution cartel?!?</em></p>
<p>And dont&#8217; forget, all the episodes of <a href="http://www.hulu.com/defying-gravity" target="_blank">Defying Gravity is on Hulu</a> and they&#8217;re in 480p if you have the bandwidth.</p>
<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/defying-gravity-free-on-itunes/">Defying Gravity still Free at iTunes</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
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		<title>Defying Gravity &#8211; Free Pilot (plus my tiny-review)</title>
		<link>http://GarySaid.com/defying-gravity/</link>
		<comments>http://GarySaid.com/defying-gravity/#comments</comments>
		<pubDate>Wed, 05 Aug 2009 00:57:31 +0000</pubDate>
		<dc:creator>Gary</dc:creator>
				<category><![CDATA[money]]></category>
		<category><![CDATA[reviews]]></category>
		<category><![CDATA[television]]></category>
		<category><![CDATA[A Fine Frenzy]]></category>
		<category><![CDATA[Defying Gravity]]></category>
		<category><![CDATA[free]]></category>
		<category><![CDATA[iTunes]]></category>

		<guid isPermaLink="false">http://GarySaid.com/defying-gravity/</guid>
		<description><![CDATA[<p>So iTunes has the <a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#038;offerid=78941&#038;type=3&#038;subid=0&#038;tmpid=1826&#038;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252FWebObjects%252FMZStore.woa%252Fwa%252FviewTVSeason%253Fi%253D325991876%2526id%253D324346967%2526s%253D143441%2526uo%253D6%2526partnerId%253D30"> Defying Gravity pilot for free!</a>  And it&#8217;s available in HD!  It&#8217;s probably only free for a few more days (but who knows).  (UPDATE: <a href="http://www.hulu.com/defying-gravity" target="_blank">Defying Gravity is on Hulu</a> in 480p.)</p>
<p><a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#38;offerid=78941&#38;type=3&#38;subid=0&#38;tmpid=1826&#38;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252FWebObjects%252FMZStore.woa%252Fwa%252FviewTVSeason%253Fi%253D325991876%2526id%253D324346967%2526s%253D143441%2526uo%253D6%2526partnerId%253D30" target="_blank"></a>I forgot this was going to be on this week, I set the [...]<p><b><a href="http://GarySaid.com/"><img src="http://garysaid.com/garyssaidlogo2.png" align="left" /></a>Please leave a comment or trackback about <a href="http://GarySaid.com/defying-gravity/">Defying Gravity &#8211; Free Pilot (plus my tiny-review)</a>, click the tags and categories below for related information or visit <a href="http://GarySaid.com/">http://GarySaid.com/</a> for more posts.</b>
</p>
]]></description>
			<content:encoded><![CDATA[<!-- google_ad_section_start --><p>So iTunes has the <a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&#038;offerid=78941&#038;type=3&#038;subid=0&#038;tmpid=1826&#038;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252FWebObjects%252FMZStore.woa%252Fwa%252FviewTVSeason%253Fi%253D325991876%2526id%253D324346967%2526s%253D143441%2526uo%253D6%2526partnerId%253D30"> Defying Gravity pilot for free!</a>  And it&#8217;s available in HD!  It&#8217;s probably only free for a few more days (but who knows).  (UPDATE: <a href="http://www.hulu.com/defying-gravity" target="_blank">Defying Gravity is on Hulu</a> in 480p.)</p>
<p><a href="http://click.linksynergy.com/fs-bin/stat?id=L8A3rioS6q4&amp;offerid=78941&amp;type=3&amp;subid=0&amp;tmpid=1826&amp;RD_PARM1=http%253A%252F%252Fitunes.apple.com%252FWebObjects%252FMZStore.woa%252Fwa%252FviewTVSeason%253Fi%253D325991876%2526id%253D324346967%2526s%253D143441%2526uo%253D6%2526partnerId%253D30" target="_blank"><img src="http://GarySaid.com/wp-content/uploads/2009/08/defygrav.jpg" width="100" height="100" alt="defygrav.jpg" title="defygrav.jpg" align="right" hspace="4"/></a>I forgot this was going to be on this week, I set the TiVo up a few weeks ago.  I enjoyed it, but I&#8217;m not sure where it&#8217;s going to go.  I think it&#8217;s only on for six weeks, so don&#8217;t fall too much in love with it.</p>
<p>It&#8217;s in 2052.  It&#8217;s not a super high-tech 2052, they&#8217;ve got cooler TVs and while the spaceship is great, the rest isn&#8217;t that science fiction-ish.  But you mostly forget about it.  What really caught my eye was that we don&#8217;t have a <a href="http://en.wikipedia.org/wiki/Space_Elevator" target="_blank">Space Elevator</a> yet!?!  They had to launch to get up to get in to orbit (to get on the big space ship).</p>
<p><center><object width="560" height="340"><param name="movie" value="http://www.youtube.com/v/vkan7ThRpaI&#038;hl=en&#038;fs=1&#038;"></param><param name="allowFullScreen" value="true"></param><param name="allowscriptaccess" value="always"></param><embed src="http://www.youtube.com/v/vkan7ThRpaI&#038;hl=en&#038;fs=1&#038;" type="application/x-shockwave-flash" allowscriptaccess="always" allowfullscreen="true" width="560" height="340"></embed></object> </center><br />
<center>Direct <a href="http://www.youtube.com/watch?v=vkan7ThRpaI" target="_blank">link to the preview</a>. </center></p>
<p>So they astronauts (think) they&#8217;re on a mission to all the planets in the solar system.  But there is some mysterious (alien?) intelligence guiding their way, so who knows what the mission actually is.</p>
<p>It&#8217;s got an <a href="http://www.amazon.com/gp/redirect.html?ie=UTF8&#038;location=http%3A%2F%2Fwww.amazon.com%2FA-Fine-Frenzy%2Fe%2FB0017PCN34%2F&#038;tag=garylapointe-20&#038;linkCode=ur2&#038;camp=1789&#038;creative=9325" target="_blank">A Fine Frenzy</a> song (<a href="http://www.amazon.com/Last-Of-Days/dp/B00149DA1W%3FSubscriptionId%3D0PZ7TM66EXQCXFVTMTR2%26tag%3Dgarylapointe-20%26linkCode%3Dxm2%26camp%3D2025%26creative%3D165953%26creativeASIN%3DB00149DA1W">Last of Days</a>) in it too!  About 30 minutes in if you have commercials, probably bout 22 minutes in without.  She&#8217;s awesome!</p>
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