Wow that's a heckuva savings... Thanks for sharing!

Hi here's service that enables you to get free calling minutes legally.  The program is called PhoneHog - it's only good for U.S. citizens tho, but I must say it is a great concept. I'm not really a phonehog but my sister is so I'lll tell her about too lol..

 Thanks for this info.I was thinking about trying it myself!

 I would like to use any refund I get (or at least a majority of it) for reinvesting into home business or money-making tools and endeavors.  I believe in using money to make more money!

 Sometimes I am asked but it is pretty rare.  I really don't mind because it seems to be an added security measure.  The way I see it, with the rising problem of identity theft this request should be standard.  Even if merchants had a system set-up where they ask you the first time - and then after your ID is verified with ...

 Hello community just wanted to drop in with and say Hi to All!  Looks like a great community here...  I look forward to sharing and exchanging helpful information with each of you.

I do MySurvey as well http://hubpages.com/hub/free-online-survey-site-reviews This is a good one as far as free paid surveys are concerned.  I usually get a new survey request at least about once per week.  The referral program is great as well because you can build-up points so much faster with less effort.

 In the world we live in, it is good to have at least one credit card for credit sake.  No doubt it is a great credit builder that's holds a lot of weight and prestige, however, you must be able to manage it well i.e., use it only when absolutely necessary, payoff creditcard bills promptly, realize that credit is money too! If you ...

Cars have simply become a status symbol that's all.  Society as a whole looks higher upon someone driving compared to someone walking or catching public transit.  Doesn't make it right but that's just the way it is.

 Good lesson!  Being that clothes rapidly depreciate in value, Thrift Shopping is a wise alternative.