T.G.I. Friday's(R) Restaurants to Treat to Free Dessert on Mother's Day

And the Bonus - All Give Me More Stripes(TM) Members to Receive Buy One, Get One Free Certificate

Retail Secrets love these savings programs! Sign-up and start getting your freebies!

After treating over 50,000 moms across the United States to free dessert last year on Mother's Day, T.G.I. Friday's restaurants (www.fridays.com) announced it will again treat moms to their choice of free dessert with the purchase of an entree at more than 600 participating U.S. restaurants.


In addition, any of the more than 840,000 members of Friday's guest recognition program, Give Me More Stripes (www.givememorestripes.com), who eat at Friday's on Mother's Day will receive via email a one-time-use Buy One Entree, Get One Free coupon redeemable through May 31. The coupon is required for redemption.

Friday's will also treat Give Me More Stripes(TM) members to double points all day on Mother's Day. Friday's awards members stripes for dollars spent (excluding alcohol only purchases). Normally, for every $100 spent members receive 100 stripes. For each 100 stripes earned, members receive an $8 gift certificate. With double stripes being awarded on Mother's Day members can receive an $8 certificate for every $50 spent since every dollar equals two stripes ($50 = 100 stripes = $8 gift certificate).

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Free Massages on Tax Day

Hundreds of business owners across the nation unite to eliminate stress by offering free HydroMassage sessions on April 15th

Tax season is never fun, but in the midst of the current economic crisis, stress levels are likely higher than in years past. Hundreds of HydroMassage owners nationwide are joining together to offer free 10-minute massages on April 15th to help Americans relax.

Branded "The Best Daily Massage," HydroMassage is an amenity that has become increasingly popular in spas, fitness clubs, salons, and chiropractic clinics. HydroMassage is a fully customizable, user-friendly massage system that gives users a powerful, heated massage in as little as 10 minutes. Users remain clothed and comfortably dry throughout their massage. HydroMassage is a cost-effective alternative for those who enjoy traditional, hands-on massage but don't have the time or budget to indulge regularly.


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HydroMassage sessions typically range between 10-15 minutes in length, and are priced so that people can literally afford to enjoy them every day. "The real question is, where else are you going to get a 10-minute massage every day for 10 to 15 bucks a month? You're not," noted Bob Shepherd, owner of Gold's Gym in Alexandria, VA. "Exercise and massage -- it's the perfect way to help relieve stress, which everybody is feeling right now. And, to be able to do this for $10-$15 is worth it. There's no question about it."

To find a HydroMassage near you to get your free massage on Tax Day, visit http://www.hydromassage.com/taxday

Based on projected demand, it is suggested you call HydroMassage locations in advance to schedule a free massage on April 15th.


Make your own personalized gift for mom and save $15 with the purchase of 3 body items – 1 body butter, 1 scrub, 1 shower gel (any scent!). Enter code SAVE15 in shopping bag.

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Pay for Auto Repairs in 90 Days - Interest Free

I needed to replace the tires on my car back in December. The tires I use for my vehicle are so-called high performance tires. The dealer wanted $212 a tire plus alignment and balancing. It would have run about $1200.

A few years back I had an older car that I would have serviced at a local Firestone. I was approved for the store credit card which offers 90 day interest free payments. I called my local Firestone to compare pricing for the tires my dealer service center offered. The tires were quoted at $5 more. However, knowing they have a price match guarantee program, I asked if they would match my dealer's price of $212 per tire and they agreed to do just that. I also had coupon for a reduced price on the wheel alignment.

In the end, I save myself about $200, plus using the Firestone credit card I was able to pay for my tires in full interest free in 90 days. At the dealer, I would have needed to pay cash or use a regular credit card and then pay it off immediately so not to incur an additional expense.

If your local auto service center offers a similar deal it is the best way to spread your auto repair expense over the course of 90 days.

If you want to take advantage of a price match, get your regular service center to give you a printed service price quote so you can bring it to another place to match it. Before you ask for the match ask your local chain service center to give you its price first and then if it is higher ask them to match the lower price you found.

Dealers charge in exhorbitant amount of money for labor. You can save money going to a reputable chain auto service center, that offers 90 day or more free interest credit cards, coupons and price match.


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Look Great in Plus Size Swimwear

2009 AlwaysForMe– Plus size ACTIVE WEAR Collections

The start of the New Year is usually the time to make resolutions – come true – like upping your fitness regiment . In recognition of all the plus size women who are committed to health at any size (and to those who just want to be comfortable in their down time), leading online retailer of plus size fashion, AlwaysForMe.com, reveals their 2009 plus size active wear line that mirrors the hottest trends in athletic apparel and work out wear.

One of the hottest trends the designers at AlwaysForMe are seeing in 2009 --not only in active wear sized 16W-26W, but in plus size lingerie, plus size cover ups and sun dresses, and plus size swimwear -- is multi-functionality.

EXERCISE TO EVERYDAY
This trend toward workout apparel that moves effortlessly from exercise to everyday has transformed plus size workout clothing into fashionable, everyday comfort wear. A great example of this trend is seen in the latest 2009 plus size styles from active leader Danskin . 2009 sees Danskin move beyond workout wardrobe basics into more fashionable everyday wear. Take for example, their new wide leg flare pant (Style #3093) in sizes 1X-4X. Not only does this pant work equally as well on the exercise treadmill as for everyday running around, but it answers a myriad of plus size concerns. It offers a roomy pant leg and wide comfortable waistband that together offer enhanced freedom of movement.

Another great plus size pant that can take you from work to workout is a true Danskin classic, updated for 2009: the boot leg yoga pant in plus sizes (Style #3687). This plus size wardrobe basic in black is made with Danskin’s signature fabric, Supplex®, that is world renowned for its superior fit and performance.



The trend for more plus size fashion forward and multi-purpose active wear is not held to pants alone. AlwaysForMe is offering one of the hottest tees of the season on their website right now. It is Style #3016, a number that plus size buyers will know by heart before long since this is a buy-in-all-colors-and-reorder top. Taking advantage of the fresh color trend, this princess seamed, short sleeve and v-necked tee is extremely flattering in black, white and pink. Pair the pink with the grey fleece pants and you have an instant on-trend outfit for working out or going out with family and friends.

COMFORT
You might think that comfort is a given in active wear, but looking good as well as feeling good in your plus size workout gear is really a matter of design, construction and materials. The active wear you will find on the . AlwaysForMe website is top quality and made especially for the plus size woman. That’s why it lasts longer and is more figure flattering than a pair of sweats you may be tempted to pick up at the local mass merchandiser.

The two most dominant fabrics in plus size workout gear are Lycra Spandex and Cotton Lycra. Lycra Spandex is a synthetic (or manmade) fiber known for its elasticity. Lycra, a similar fabric manufactured by DuPont, has become a generic term to describe any type of Spandex. Some of the features of Lycra Spandex include the fact that it: can be stretched up to 500% and still recover its shape, is lightweight, supple, resistant to body oils and perspiration, is free from static or pilling, and extremely comfortable. Cotton Lycra is a blended fabric that combines the stretchability and hold of Lycra with the comfort and breathability of lightweight, yet durable, cotton.

Construction is equally as important as the fabric the garment is made of. Plus size construction must be designed to contour and shape while at the same time offering coverage, support, flexibility and comfortable fit for the woman sized 16W-26W. “At AlwaysForMe.com we take the construction of any garment we sell very seriously. The plus size manufacturers that we carry understand the specific needs of the plus size body and construct their pieces accordingly. It is our job to road test each product to insure that our customers are going to be happy and confident in the active wear they purchase from our site”, Reports Always For Me Inc. founder, Susan K Barone.

A great example of superior construction designed specifically for the plus size figure is the Enell Sports Bra (Style #100). The exclusive patented design of the ENELL Sports Bra features wide, non-stretch straps for added bust support while preventing shoulder discomfort. The high neckline offers full coverage and the full back, with cross straps, provides superior support and comfort. For the utmost in ease, the ENELL Bra has convenient front hook-and-eye closure and a clean-finish lining to prevent discomfort and chafing.



Another example of well constructed plus size workout apparel is the widely known women’s bike short from A Big Attitude (Style #9557A). This is the plus size bicycle short made popular by the hit television show, “The Biggest Loser”. These shorts were specifically selected for their plus size, never-ride-up construction and for their versatility for use in any exercise.

And talk about construction! The Cellulite Smoother plus size bike shorts also from A Big Attitude (Style #4445) are known by customers more as miracle workers than work out gear. With special flat lock stitching these shorts shrink wrap the butt, thighs and tummy with comfort. They smooth and lift like no other. In fact, AlwaysForMe.com reports that customers wear these plus size bike shorts as under garments for a seamless look with skirts and pants!

Comfort and breathablity are key in active wear for today’s plus size woman. When you’re actively exercising – whether its on the treadmill, golf course and chasing a two-year old -- you want to be able to move without constraint and not have to worry about chafing or irritation. More patented ingenuity can be found in the active wear bottoms that offer the Coolmax® gusset like Danskins Plus Size Capri pant (Style #3451) and Danskin plus size bike short (Style #4521). This gusset adds extra room in the crotch area that allows for better comfort and better air flow.

Moisture wicking is something else to look for in 2009’s plus size active wear styles. It uses specially made synthetic fabrics to quickly draw sweat and moisture away from your body to evaporate rather than cling. You can see moisture wicking at work in Style #3556, Danskin’s plus size racer back tank top designed to draw moisture away from the body to keep the active plus size woman dry and comfortable.

2009 promises to be a great year for making all your resolutions come true. And with the myriad of choices in today’s plus size active wear market there’s no reason not to start today! Log on to www.AlwaysForMe.com and activate your workout wardrobe. Take advantage of 2009 new styles.

O, The Oprah magazine, for our “Swimsuits that can handle the curves” highlighted in their June 2008 Beach Special.

AlwaysForMe’s figure flattering designs dominate Oprah's beach special with our Chic Collection Goddess style and One Piece Twist Front Bandeau swim mini, along with selections from the majority of our name brand designers: Carol Wior, It Figures!, Speedo, and Miraclesuit.

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Learn how to buy your next home with no money down!

Nothing Down to Buy A Home!
Buy your next home with no money down!

In this difficult economy where stock valuations are questionable, one of the best investments is real estate. But for many potential buyers, a down payment keeps them from considering this all-important purchase. This should not be the case. It is possible to buy a home with nothing down—meaning no down payment.

The method of purchasing a home with no down payment that most people are familiar with is through the Veterans Administration or VA. This benefit is available to active and retired members of the military service, veterans, POW's and MIA's and their unmarried widows. All branches of the service are included.

$10,000 Down Payment Gift Program


Another opportunity for many potential homebuyers to purchase a home with no down payment is through a down payment gift program. Gift down payment programs of up to $10,000 or 5% of the purchase price, whichever is lower are never repaid. They are a truly gifts.

These programs are open to all homebuyers. There are no income limits and the home purchasers do not have to be a first-time homebuyers.

Homes that are eligible can be located anywhere in the United States. It can be used on any owner-occupied, primary residence including: homes, condominiums, town homes and manufactured homes. Although it cannot be used for investment or rental properties, duplexes and four-plexes are eligible if the purchaser will reside in one of the units.

The homes need not be pre-owned to qualify for the program. Newly constructed homes are also included in the program.

The gift funds can be used on any FHA or HUD loan for the down payment. Although HUD loans are based on need; FHA loans are not.

FHA loan are available to most borrowers and are primarily restricted by the loan amounts. FHA loan maximum amounts vary from state-to-state but are generally higher than the median price of a home in their areas. Each year the FHA maximum allowable loan amounts increase, so it is best to check with your lender on the current amounts available. FHA does permit down payments gifts in their loan consideration.

The only restriction on the down payment gift funds is that they may not be used to pay off any kind of debt or judgment. They must be used for the down payment of a home.

Sellers of homes using the gift down payments fund the program. In exchange for finding a purchaser for their home at their full asking price, they contribute a portion of the proceeds from the home to a "pool" of funds that is used to provide gift down payments for others purchasers. And because all homes must meet FHA or HUD appraisal guidelines, homes are never overpriced and must meet all repair and condition requirements.

Down payment programs can move many people into homeownership without the necessity of a down payment. There are two other methods of seller participation that also can accomplish the same goal: owner financing and lease/purchase agreements.

Owner Financing/Lease Purchase


As the glut of unsold homes increases, many times sellers are willing to carry part of the burden to sell a home quickly. There may be additional pressure on sellers of used homes when they compete with builders in their area who fund down payments on their new homes. Sellers may agree to a lease/purchase or owner finance plan to sell a house. In both cases, the purchaser does not pay a down payment to acquire the house.

Although these allow a homebuyer to purchase a home without a down payment, these programs can be good and bad for the purchaser and should be approached with caution.

As with any legal transaction, you should use a standard legal form. Lease/purchase forms are obtainable at most major office supply stores. Owner financing contracts are not readily available and will have to be drafted by an attorney.

In the case of lease/purchase agreements, the seller agrees to a price that he will sell the house for at some future date and the buyer usually pays a monthly amount several hundred dollars more than what the home would receive as a rental. Depending on how the agreement is written, this additional money can be "down payment" savings plan. A portion of the additional money can be returned to the buyer when the house is sold and used as a down payment. If the buyer decides not to buy the house, all additional moneys are forfeited. If the buyer decides to complete the transaction he would secure a mortgage from a lender. These arrangements are similar to those in owner financing except in that case the seller is the lender.

There are two areas of concern for the buyer with these types of purchasing options. In both cases, because the buyer is not paying a mortgage company he does not receive any of the tax deductions for the interest on the house payments. This may be an acceptable trade-off for the ability to purchase a home without a down payment. The second area of concern requires more judgment. Because the buyer is paying the seller each month instead of a mortgage company, if the seller were to go bankrupt or lose the home in foreclosure, the buyer's entire investment might be lost.

But on the flipside, there have been several occasions where persons have entered into lease/purchase agreements and then found purchasers for the homes at amounts much greater than the selling prices contractually agreed upon. The leasees bought the houses from the sellers and then resold the houses for a large profit in the same day.

House Trading/Lines of Credit
Many professional investors acquire homes with no money down by trading one property for another. In some cases, they trade one large property for several smaller rental properties. Or they trade houses in different cities to acquire a vacation or retirement home. Property trading is also a legal way to avoid the capital gains associated with selling a property.

Another way to acquire a property with no money down may be with a line of credit secured by the equity in another property. This allows the homeowner to purchase another property using the accumulated equity in a home without selling the original property.

HUD

For first-time homebuyers, the office of Housing and Urban Development (HUD) offers special financing for first time homebuyers. This program is based upon need and is designed to allow low-income families to obtain their first home without a significant down payment or closing fees.

Also, many HUD foreclosure homes require no down payments. Many HUD foreclosures as well as bank and other foreclosures can be found at www.foreclosurefreesearch.com.

Rural Homes/Cops in Neighborhoods

The federal government has two programs to help farmers and police personnel acquire homes with nothing down.

For those with limited income who wish to live in rural areas, the Rural Economic and Community Development Administration offers farmers home loans with nothing down. Monthly payments may be subsidized and the interest can be as low as one percent.

To encourage police to occupy homes in crime-targeted areas, special federal programs permit police officers to purchase homes in selected areas with nothing down. Information is available to law enforcement officers through their places of employment.

With so many methods available to obtain homes with little or no down payment, the goal of home ownership should be achievable by almost everyone who desires it.



Follow this link to find foreclosures nationwide.


http://www.foreclosure.com

---

Copyright 2004 Foreclosure.com


Article
written by
Elaine Zimmermann

No portion of this site may be reproduced in any way without express
permission of the publisher. Free Foreclosure Search

Save on Herbs - Grow Your Own

In these tough economic times, many people are growing their own vegetables in home gardens. But if you are not like me and don't like digging in dirt, there is a much easier way to grow your herbs. Try the AeroGrow.

Leave behind the weeding and the tools. Now you can enjoy a homegrown, healthy harvest right from your countertop. With AeroGrow, it's easy. With a grow light that automatically turns on and off and a "smart" seeding system that requires only water and air, our revolutionary countertop greenhouse takes the guesswork out of gardening. It's so simple and easy anyone can have green-thumb success, anywhere and any time of the year. Arrives with everything you need to get started: AeroGrow, seed kit, light bulbs, instructions and recipe booklet. White or black. USA.

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Flights are low and the option to travel on the budget works in your favor. The airlines are desperate and practically giving away flights.

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In these tough economic times we need to do whatever we can to save. If you are planning a birthday party this spring or summer, send your invite via Smilebox for free. Check out the below link and sign up for free ecards include your photos and videos, plus your own music.:

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