Xin Lu's blog

Get Free Hotel Stays with Wyndham's Best Rate Guarantee

Posted 18 hours 42 min ago by Xin Lu

Personal Finance, Frugal Living, Freebies, Deals, Lifestyle

Yesterday my super cheap ex-boyfriend told me that I would be proud of him. I asked him why and he told me that he will be staying in Washington DC hotels for free for three nights. I asked him how he managed that and he told me about the Best Rate Guarantee from Wyndham hotels.

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How Big of a House Do You Really Need?

Posted 2 days 20 hours ago by Xin Lu

Personal Finance, Frugal Living, Lifestyle, Green Living

For my entire life, I have never lived in a place bigger than 1400 square feet. The smallest dwelling I had was a studio less than 400 square feet which I shared with my parents. Because of my experience of living in small homes I think of anything over 2000 square feet as excessive for two to three residents. Today I want to highlight some of the reasons why I prefer smaller abodes.

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The Gasoline Pump "Y2K" Problem

Posted 6 days 43 min ago by Xin Lu

Personal Finance, Technology, Cars and Transportation

Here in San Mateo County, many gas stations are starting to sport prices above $4.00 per gallon. The trusty Gas and Shop down the street is still holding on to $3.93 per gallon but it seems inevitable that gas will cross that $4.00 mark. Funnily enough, some of the older gas pumps around the country in rural areas are experiencing a technical issue similar to the Y2K problem. Read on to see what it is.

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Are You a Yawn?

Posted 1 week 1 day ago by Xin Lu

Frugal Living, Lifestyle

I am familiar with the meaning of hippies and yuppies, but today I heard a funny new word for a demographic of people - yawns. YAWN stands for Young and Wealthy but Normal. It is a pretty silly acronym, but this is how the radio program I was listening to described this group of people.

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New Postal Rates Are Coming, Should You Stockpile the Forever Stamp?

Posted 1 week 3 days ago by Xin Lu

Personal Finance, General Tips

The United States Postal Office will be raising their postal rates once again on May 12th, 2008. Is it time to stock up on the Forever stamp? Is this stamp that retains its value a good investment? Read on for some specific information on the rate hike and other facts about this special postal product.

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A Simple Guide to Series I Savings Bonds (I-Bonds)

Posted 2 weeks 2 days ago by Xin Lu

Personal Finance, General Tips, Taxes, Investment

After the recent interest rate cuts by the Federal Reserve many of my bank and money market interest rates plummeted.  Now the best yield I have is on my Series I Savings Bonds issued by the United States Treasury.  These bonds are also known as I-Bonds and their yields fluctuate according to inflation.  Currently, the yield is 4.28% and that beats all of my other cash investments.  Here is some information on the interest rate on I-Bonds and the advantages of owning these bonds.

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Deal: Four Museum or Movie Tickets from American Express for $3 to $8

Posted 2 weeks 4 days ago by Xin Lu

Personal Finance, Frugal Living, Deals and Coupons, Deals, Food and Drink, Art and Leisure

If you are an American Express member, a promotion is currently going on called Museum or Movie. The deal is that if you make a certain number of purchases at participating merchants during 4/1/2008 and 5/31/2008 you can redeem the receipts for four complimentary movie tickets or museum tickets. If there is no movie theatre or museum location near you, they will send you a $40 Amex gift card. Here are a few ideas as to how you can take advantage of this deal for $3 to $8.

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Get Paid for your Psychic Skills at Predictify

Posted 3 weeks 1 day ago by Xin Lu

Personal Finance, Technology, Making Extra Cash, Art and Leisure

My ex-coworker told me that he is applying to a new startup called Predictify. He showed me their website and I was intrigued. Basically, the company lets people predict events that happen in the future, and if you are accurate about the outcome you could get paid for it. I decided to try it out.

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Why You Should Donate a Blood Sucking Timeshare

Posted 3 weeks 2 days ago by Xin Lu

Personal Finance, Frugal Living, Lifestyle, Taxes

My parents always told me that buying a timeshare is a bad idea because of the inflated upfront cost and perpetual maintenance and exchange fees the timeshare companies pile on. It is also quite difficult to sell a timeshare you no longer want because there is usually a giant supply of them on the market. If you do want to get rid of a money sucking timeshare, donating it may be the most economical option.

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Save More Gas by Safely Following Trucks

Posted 3 weeks 4 days ago by Xin Lu

Personal Finance, Frugal Living, Cars and Transportation

I have been trying to drive at 55 miles per hour to save gas, and I am doing it by driving behind big trucks in the slow lane so that I do not get honked at or pulled over by the highway patrol.  Apparently driving behind big trucks also saves you gas due to something called drafting, and you can safely take advantage of this to save an additional 5 to 10% of your gas.

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Seven Ways to Get Free Shipping Supplies

Posted 4 weeks 1 day ago by Xin Lu

Personal Finance, Frugal Living, Freebies, Making Extra Cash, Entrepreneurship, DIY

Once upon a time I sold a lot of stuff on eBay and Amazon, and I always needed envelopes, boxes, and padding. The costs of these shipping supplies could really add up when you mail over a thousand things per year, so I looked into how to cut down my shipping costs. Here are some of the ways you can get your supplies for free and lower your business overhead.

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The Man Behind the Bargains - An Interview with Ben Chui - Founder of BensBargains.net

Posted 4 weeks 6 days ago by Xin Lu

Personal Finance, Frugal Living, Deals and Coupons, Deals, Coupons, Consumer Affairs

Ben's Bargains is one of the oldest deal and coupon sites on the internet. The man behind this awesome frugal shopping destination is Ben Chui. He created the site when he was a sophomore at the University of California at Berkeley, and now eight years later the site is still going strong. Today he took time out of his constant deal hunting to tell us a few things about his businesses and saving money online.

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Eight Natural Ways to Make Water More Flavorful

Posted 5 weeks 23 hours ago by Xin Lu

Personal Finance, Frugal Living, Health and Beauty, Food and Drink, DIY

The main reason that people don't drink water is that it is tasteless and not very "fun" to drink. On the other hand, water is considered more healthy than sodas so now there is a entire category of packaged drinks such as VitaminWater that is basically bottled water with coloring,vitamins,and flavor. Instead of buying these drinks, read on for ways you can make your water more exciting to drink.

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Could a Divorce Improve Your Finances?

Posted 5 weeks 1 day ago by Xin Lu

Personal Finance, Taxes

When I was single, I thought that getting married would reduce my expenses greatly, and after I got married I realized that in some instances married life is actually more expensive . In general, divorces are extremely costly and detrimental events, but ironically there are so many laws pertaining to marriage and finances that could make a divorce financially advantangeous for a committed couple. Here are some of the bizarre examples I have read in the news recently.

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Search Online for a Fix before You Toss that Broken Gadget

Posted 6 weeks 20 hours ago by Xin Lu

Personal Finance, Frugal Living, Technology, General Tips, DIY, Art and Leisure, Consumer Affairs

My husband and I often search online for fixes to our electronics problems because if a gadget is out of warranty it often costs quite a bit to get it fixed. When we find a solution that is not hard to implement we figure we might as well try it, and we have been able to fix many things including computers and handhelds. Read on for some tips on finding solutions online to your gadget problems.

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How to Sell Your Hair for Cash

Posted 6 weeks 3 days ago by Xin Lu

Personal Finance, General Tips, Making Extra Cash, Health and Beauty

I first read of selling hair in Les Miserables when Fantine sold her head of gold to clothe her daughter Corsette. The hair trade just seems like such an archaic idea, but actually high quality hairpieces are still made from real human hair and there is a huge market for sourcing natural hair. Here are some tips and information on how to sell your tresses for cash.

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Tips for Finding Legitimate Work at Home Opportunities

Posted 7 weeks 12 hours ago by Xin Lu

Personal Finance, Career and Income, Productivity, General Tips, Making Extra Cash, Career Building

When you search for work at home opportunities on the internet, oftentimes you will find sites pitching programs that could make you thousands of dollars a week.  Usually these programs are scams designed to take your money.  So how do you go about finding legitimate work at home jobs that pay you for your time?   Read on for some ideas and resources.

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Could Your City Go Bankrupt?

Posted 7 weeks 2 days ago by Xin Lu

Personal Finance, Lifestyle, Real Estate and Housing, Consumer Affairs

I never knew that cities in America could file for bankruptcy until recently a Northern California city named Vallejo made the news for being on the edge of bankruptcy. So how does this happen, and what happens to a bankrupt city or municipality?

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For the Love of Ramen: An Interview with Ed from RamenRamenRamen.net

Posted 7 weeks 6 days ago by Xin Lu

Food and Drink

When I brainstorm for cheap eats I often think of packets of ramen. Today I had the pleasure of interviewing Ed from ramenramenramen.net. Ed reviews hundreds of types of ramen on his website and I consider him to be a folk hero to ramen lovers everywhere. Ramen is usually more than just a flavor packet and dried noodles and Ed has a great ramen glossary to explain the complexities in real ramen. Read on for some interesting ramen facts!

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Do You Always Keep the Money You Find?

Posted 8 weeks 23 hours ago by Xin Lu

Personal Finance, Lifestyle

I am pretty short so I am close to the ground, and oftentimes I spot a coin or two and keep it. However, there are times when we find larger sums of money laying on the ground. What do you do then? Here are some of my stories and general rules.

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