December 2008

If you are like me and procrastinate with holiday shopping or shopping for special occasions the perfict gift is a “Gift Card”. I am not proud of the fact that I have a hard time deciding what to buy. The gift card is fast, easy, personalized, and surely will please my family and friends since it offers the choice of more than a hundred premier stores, restaurants and experiences.

This seems like the perfect answer for me. I am going to remember this wonderful discovery of mine for other occasions birthdays, weddings, showers and not just Christmas! They are quick, convenient and can be emailed, so perfect for last-minute shopping!
Wow, I am a regular genious.

What is the difference between a “need” and a “want” ?

We deal with this question or distinction just about every day of our lives. The funny thing is that we do not even know that we are doing it. When we buy something at the store – do we really need it or just want it ? When we go out to dinner and have that nice tiramisu for desert – do we really need those extra calories or do we just want to indulge ourselves ?

Our actual needs are pretty limited – food, shelter, clothing, and companionship. When you think about it just about everything else is a “want,” and it seems our wants are just about endless. This country is in difficult financial times because we collectively have been feeding our endless wants.

Take shelter for example, it can be a bed at a mission for the homeless or some Beverly Hills mansion. Food can be just bread and water or steak and Champaign at an elegant restaurant. Even the 4 basic needs have degrees of importance from just surviving to complete decadence.

Finally, thing need or want before you buy anything and deside into which category it falls and how important is it to you and whether you can afford it.

Borrowing for educational expenses leaves many students and their parents confused. There are alot of lenders offering many versions of basic loan types. It is not easy to find the financal option that works best for your individual situation. Some online services however can simplfy the job.

Click here to find the right student loan for you

Consumer friendly technology has revolutionized mortgage and car loan shopping and now this same thinking is being applied to bring consumers an objective, sortable, online comparison solution that will make education borrowing choices a whole lot clearer.

Behind the simple, straightforward navigation, a complex engine crunches real numbers to present real results. This service partners with a range of lenders and financial institutions to share more than 100 different education loan options with borrowers and schools. They work with many well-known colleges and universities to provide custom loan application solutions and support financial aid professionals.

Shout Out to Senator Tom Coburn – “Good Job” on your “Pork Report” on what Washington politicians, lobbyists and bureaucrats are spending our tax dollars. With all the problems we have in the country, its hard to imagine how our elected officials can still support this waste. Oh, I forgot, they are politicians with deep pockets.

Rewards for shopping online, taking surveys, and more. Register Free Today!

Memolink members are rewarded with points for shopping online, taking surveys, visiting websites, playing trivia, and more. Points are redeemable for gift cards, cash, and charity donations.

Members earn points for doing the activities they do online anyway like shopping, visiting Web sites, completing surveys, booking travel and more. Points are then redeemable for valuable gift certificates from companies such as J. Crew,, Blockbuster and Pizza Hut. Because of our large membership base, Memolink holds strong negotiating power. That means our members receive exceptional offers and special promotions from our advertising partners.

Weight Watchers (R)

Weight Watchers®, Online weight-loss from the name you trust.

Well here it is December, Christmas 2008 right around the corner and a New Year 2009 about to arrive. It’s that time of the year again, time to make your new year resolution.

Lets review some of the classic New Year Resolutions to get an idea for this year:
(1) get out of debt – Wow, we all could use that one in these difficult times.

(2) lose weight and get in shape – I don’t know about you but I had a little too much to eat this Thanksgiving. This is a good one.

(3) spend more time with the family – this is a good one for all you workaholics.

(4) help others – this is definitely the most commendable resolution. You can better the lives of other people by doing some volunteer work.

There are many more good ideas for New Years Resolutions – 2009
Are you planning any resolutions for 2009 out there in cyberland ?

Lights in the Parkway

This drive-through display transforms more than a mile of the beautiful Lehigh Parkway into a winter wonderland with thousands of twinkling lights, animated displays and accompanying music. After the journey through the spectacular displays, we stopped by the Gift Barn which hosts vendors selling everything from candies to handmade treasures. This year Lights in the Parkway runs from December 5, 2008 – January 4, 2009 (closed Christmas). Nightly the lights shine from 5:30 – 10:00 pm.

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