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Spanx are sometimes designed in such a way that allows them to go all the way down your legs. Learn about the best Spanx to get for jeans with help from the owner and creative director for Ose in this free video clip.
Whether vacations, weddings, birthday parties or kid's soccer games, video camcorders can record special moments in time for you to keep forever or share with friends and family. Of course, it it might be more difficult to enjoy your recorded videos if the image quality isn’t up to par; choppiness, pixilation and graininess are a few of the video artifacts that can impact low-quality recordings. Set your Sony Handycam camcorder’s recording quality to its highest settings to make sure that your recorded memories look the best that they can.
In the IMVU chat messenger, users interact via AVIs, or avatars, in various 3D rooms. IMVU avatars are as diverse as real people are and possess different body types, clothing and accessories. As people have different preferences and different definitions of what qualifies as the “best” type of avatar, your best avatar must possess the traits you like most. To design your avatar, you will need to study other avatars, explore the IMVU catalog and acquire enough IMVU credits to purchase all of the items you feel can make your avatar the best.
The Panasonic DVX100B is a great choice for shooting professional-quality digital video. Because it was the first consumer-grade video camera to shoot digital video at 24 frames per second, it is a favorite for independent filmmakers who want their digital movies to have a "film-like" motion. Though the camera does not shoot in high definition and records onto MiniDV cassette tapes, it is still a great option for digital filmmakers who want high-quality video at a reasonable price. However, you may need to keep some things in mind to get the best video from this camera.
While new TVs are pre-calibrated in the factory, you will have to adjust the picture settings to get the best picture from your JVC DLP TV. The factory settings work for some situations, however individual lighting factors in your home can affect the quality of the image on the TVs screen. You can use the built-in picture settings to ensure the best possible picture is displayed on your screen.
The Sony PS3 Soundbar, also known as the PS3 Surround Sound System, is Sony's official solution to PlayStation 3 gaming in surround sound. While the Soundbar is pretty much plug and play, the PS3 needs to be configured to output the best sound settings for you to hear the difference in standard stereo and surround sound stereo.
To get the best graphics display from a video-game console or a computer on a Sanyo model DP26648 HDTV, use a digital connection to an HDMI port. The signal source must have an HDMI output to include sound in the single-cable connection. With a DVI output, you must use an adapter to match the HDMI cable with the video connector and make a separate connection for the audio. Use your TV's automatic or manual controls to change the picture to suit your room lighting and personal preferences.
Celebrity appearances add that little something extra to charity events, making the fundraisers easier to market to the public. But how do you go about getting a celebrity to appear? If you're lucky enough to be related to someone in the public eye, your search may only require making a phone call. However, if you need to go through a booking agent, your search may take longer, and it may be harder to secure the appearance. Make sure you're getting a deal for your chosen celeb's appearance by working diligently with his spokesman.
"World of Warcraft" (WoW) gamers can play as numerous classes, including a shape-shifting druid, taking the form of Moonkin, a type of Owlbear. Like any other class, the key to dealing the most damage per second(DPS) is equipping the best pieces of armor and accessories, more commonly known as gear. The "Cataclysm" expansion pack brought gamers a new set of equipment to seek out.
Indoor cycling classes are a convenient way to exercise, especially when the weather hinders outdoor exercise. Instructors play loud, motivating music and work with classes to encourage students to push themselves and maximize their workout. Visualization is also encouraged, with some classes showing movies with scenes of mountain or other outdoor trails. Being properly prepared and using correct bike setup and form will help you get the most out of your cycling workout.
Surfing, both a sport and a leisure activity, is unique in that it has also spawned its own culture among enthusiasts, including a distinct lingo developed among surfers that sets itself apart from everyday speech. To an outsider, this banter might seem confusing or even absurd, but familiarizing yourself with surfer lingo will help you communicate easily with ardent surfing enthusiasts.
Establishing a firm grip on your company's expenses is vital to the success of your business in good times and bad. If business is going well, you can plow any money you're able to save back into your company and expand. If business is doing badly, controlling your company's spending could mean the difference between continuing and bankruptcy. The good news is there's no reason why streamlining your operations should negatively impact the quality of what your company does.
Birch is a favorite of many people when selecting a plywood for a project. Staining this wood is an excellent way to enhance color while allowing the wood's grain to show through. Birch plywood, however, is known for its absorbent characteristics. If not prepared correctly prior to staining, blotches and marks can result. Pre-stain conditions can solve the problem by helping the plywood absorb more evenly. Often water-based stains will give the best results when a dark finish is desired. Stains can be rolled or brushed on plywood, but brushing allows better penetration on textured surfaces.
Are you interested in a fun new style for your hair? Kinky twists add a playful, fun dimension to your hair, and they are relatively easy to do with the help of a stylist. Another added benefit of kinky twists is the low cost. They are also easy to maintain, and most women can wear them --- even those with thinning hair. Women looking to give their hair a break from chemical treatments often turn to kinky twists as an option.
The iTunes app includes a 10-band software-based graphic equalizer that you can use to adjust the response level across different frequency bands during music playback. Using the equalizer, you can compensate for shortcomings in recordings and poor audio response across certain frequencies in your playback equipment. However, be careful not to over-adjust the equalizer as you may end up harming the sound quality more than you help it.
Members of the online game, "RuneScape," can participate in the Barrows activity. This activity involves killing six undead brothers and raiding a chest for a reward. The rewards from the Barrows activity include excellent armor and weapons, as well as more common items such as runes and gold pieces. To get the best rewards from this activity, you must wear a Ring of Wealth. The Ring of Wealth is an enchanted dragonstone ring that increases the chance of getting valuable items while killing monsters and participating in some activities such as Barrows.
Pokeballs are the items used both to capture and to store Pokemon in the game "Pokemon Sapphire." They can be purchased all over the Pokemon world in various Pokemarts. However, some Pokeballs, such as Master Balls, are rare and can only be obtained once from areas where they are found. Knowing how to battle Pokemon you are attempting to capture and what the different types of balls do can greatly increase the efficiency of your Pokeballs, allowing you to waste fewer balls as you play.
In the My Player mode of "NBA 2K11," you take control of a young athlete and guide his career from rookie seasons to MVP status. As your character increases in stature and fame, you gain opportunities to cash in on lucrative sponsorship deals. One such deal involves designing and wearing your own custom shoes. This privilege is reserved for only the best players in the league, so if you want to get a shoe deal in "2K11," you must be the best possible player -- on and off the court.
The druid is a hybrid character class in the "World of Warcraft" online game. The Balance talent specialization aims to turn the druid into a ranged spell caster, which specializes in damaging enemies with powerful long-range spells. The "Cataclysm" expansion for "World of Warcraft" changed many talents and added different mechanics to the druid class. If you find yourself struggling with your DPS, there are several steps you can take to improve.
The shooter-role-playing game hybrid "Borderlands" for the PlayStation 3, Xbox 360 and PC offers a distinct form of randomizing the rewards a player receives during gameplay. This randomization leads not only to over 17 million possible weapons combinations available to be found, but also to finding the best weapon at any given time. While random, there are certain ways to boost the chances of finding that one-in-seventeen-million piece of loot.
Being grounded is no fun. As a teenager, being told what to do and when to do it is no fun. Being grounded usually comes with certain restrictions, such as being home at a certain time, if you're allowed to leave the house at all. Restrictions on places that you can go and whom you can be with are also common. While it is a hassle, there are ways to cope with being grounded. It's easier to want to fight it and defy the punishment than accept it. However, accepting it is the easiest way to deal with it.
USD is the internationally accepted symbol for the U.S. dollar, which is the legal tender in the United States of America and outlying islands and territories. RMB is the symbol for Renminbi, also known as the Chinese yuan. One yuan is divided into 100 fen. The amount of money you get when converting your dollar into yuan depends on the current exchange rate, which is determined by the International Monetary Fund.
Maine has 15,860 workers in personal care and service positions, according to a 2010 report by the U.S. Bureau of Labor Statistics. Many of these employees work in concierge positions, and provide customer service for hotel guests, apartment tenants and business clients. Concierges receive pay on an hourly basis, and the amount of income can vary depending on the experience, education and location of an employee.
Scrap metal is considered prepared when it is cut to a certain length. This length is determined by the specifications of the mill, but generally this refers to cast iron that doesn't exceed more than 4 feet in length. The price offered will depend on the quality and quantity of your metal. More money is offered for cleaned metals than uncleaned metals. Also, scrap metal dealers look for loyalty and consistency. Building a relationship with one particular dealer may lead to higher payouts. The five most common types of scrap metal include cast iron, aluminum, stainless steel, brass and copper.
Car leasing banks require good to excellent credit for application approval. Expect to provide your credit information when applying for a lease. Aside from credit score and history, leasing banks also determine an applicant's debt-to-income ratio, which is the lessee's ability to pay his monthly lease payment. If you're turned down for a lease, consider financing instead.
A concierge is far from being a modern concept; the word originated in France during the Middle Ages to describe royal palace guards protecting the king while he remained in his castle. The concierge held the keys, safeguarding entry to castle rooms. Today, concierges work in hotels or corporate environments to facilitate scheduling or anticipate needs for clients. Although there's no current government standard for concierge licensing or certification, you may find that formal training helps you land a job.
A person's credit score -- a credit reporting bureau's measurement of his creditworthiness -- affects a person in a number of different areas of his life. In addition to affecting the interest rates that the person is able to receive on loans, a credit score will often also affect the terms that the person can receive on a leased car. With a higher credit score, the person can expect to pay less money.
If your debts become overwhelming, debt settlement programs may seem an attractive alternative to habitually making late payments. However, the negative impact of debt settlement on your credit record can be significant. The potential for lawsuits also exists as does the possibility that a debt settlement program will fail to renegotiate your debt with creditors. Although debt settlement may be an alternative to bankruptcy, it may not be your best option.
Concierges typically work in large upscale buildings with numerous residents, or hotel or resort guests, or in office buildings or medical centers with a large number of visiting professionals. The concierge provides various personal services, such as taking telephone messages, providing advice on transportation or area restaurants, passing along requests for housekeeping or repairs to staff members and distributing mail and packages. Salaries are generally low, although the concierge can expect tips for good service.
People with poor credit usually do best to avoid credit repair clinics, which sometimes claim they can give you a new credit record. You cannot wipe your credit file; otherwise consumers could abuse credit and have few repercussions. Instead of trying to get a new record, you should up clean your current file -- and probably get credit sooner than you think.
Finding the best debt settlement plan is difficult, as debt settlement is a complicated financial solution to an unfortunate situation. Engaging in debt settlement usually means having your credit score drop dramatically and paying large fees to a company that might not perform any useful service.
A car lease is both similar and different than a car loan. A lease means that you're basically borrowing the car, while a loan means that you're purchasing the car. Both a loan and lease require some credit history. If you've made any past car payments, rent payments or anything where credit is involved, you have credit history.
Leasing an automobile in Miami is a process that is more involved than purchasing a car outright. Advantages of leasing are that less money is required for a down payment in a lease, and your monthly payments will be less than for a purchase. Consequently, you can possess a better car if you lease than if you buy. Most Miami automobile dealerships will gladly guide you through the paperwork involved, but knowing leasing terms and what points are open for negotiation will help.
Scrap metal recycling is a multibillion-dollar industry that relies heavily on individual scrap buying from consumers. This means that if you have scrap metal lying around your house, there are companies in North Carolina that want your business. If you have a car that no longer runs, electronics that are outdated or other materials that cannot be sold, locate a North Carolina scrap yard for an opportunity to make extra cash.
High definition televisions have completely replaced standard definition sets in the marketplace. HDTV's offer a clearer picture, more detail and brighter colors. Your HDTV is only as good as the source of content you are watching, so to get the best picture you will need to calibrate your set and watch content that is filmed and displayed in high definition.
Comparing shopping deals can save you money and give you the best product for your money. While many people overlook the "shopping around" option, this simple task can result in big savings. While it takes more effort than going to the store and simply picking up the item you want for the listed price, the savings make it worth the extra work. You can compare prices at store in your area or you can expand your shopping expedition to include online stores.
The rupee is the official currency in India. One Indian rupee, or INR, is divided into 100 paise. In South Africa, the official currency is the rand. The South African rand, or ZAR, is divided into 100 cents. When you are ready to convert your INR to ZAR, you must exchange the currency. Typically, only a full rupee may be converted. An exchange rate fee will be figured into the rate you are quoted when you go to convert your INR.
According to Princeton University, euros are the current monetary unit for 12 European nations, including Portugal, Belgium, Luxembourg, Finland, Austria and Germany. If you live in one of these countries and want to do business with India, you will need to exchange your currency. Euros are represented by the letters EUR and rupees are represented by the letters INR.
Good credit is normally required to lease a car. In most cases, a credit score above 680 or a lower score with a good repayment history on prior auto loans and leases is necessary to ensure the most attractive lease offers. To avoid being blindsided by a dealership telling you about your poor credit position, you should check your credit score before visiting the dealership, just so you are not taken aback if things do not go as expected in the showroom.
Infomercials can be spellbinding. They're designed to excite viewers, with rapid-fire pitches and promises of special deals or discounts to lure them into opening their wallets. But infomercial products are also notorious for being overpriced and not living up to the hype. Over the years, magazines, news shows, and other media sources have published tests of infomercial products, but these stories can't cover every product. If you're interested in doing your own test on infomercial products, make sure your testing process is valid so you can get to the truth.
Leasing is a financing option available when looking at a new car. With a lease, you pay for the depreciation of the vehicle over the term of the lease. Paying this way will keep your payment lower than if you were buying the same vehicle especially when you negotiate the best deal on a new car lease. It is possible to negotiate a lease deal that saves you money.
Currency conversion or currency exchange is the process of trading one currency for another, which is often necessary when traveling to a foreign country. United States dollars (USD) are accepted in the U.S. and sometimes in tourist-heavy areas of foreign countries, but holding local currency will help avoid problems if dollars are not accepted. Rupees are the official currency of India. Dollars can be converted into rupees using a few different methods.
Recycling scrap metal is an easy way to simultaneously make extra cash and help conserve natural resources. The rate you'll get for the metal varies with the type that you sell. Copper, used often in household piping and wiring, is the most valuable. Aluminum and iron are worth the least. Several recycling centers in El Dorado, Kan., can redeem your collection of scrap metal.
If you are interested in getting a new car but do not want to buy it, you can lease it instead. With a car lease, you have monthly payments just like if you were to get a loan to finance the new car. The difference is that at the end of the lease term you either give the car back to the dealer or buy it from the dealer. Typically you need to have top-tier credit to qualify for a car lease. If you have good credit, you can negotiate a lease at a local car dealership.
If you are interested in getting a new car in Arizona, but you do not want to buy it, you can lease it instead. With a car lease, you have the car for a set period of time and when the lease is up you can either return it to the car dealer or buy it from the dealer. In some states, like Massachusetts, you must pay an excise tax when leasing a vehicle, but there is no such thing in Arizona. In fact, there is nothing unique to leasing a car in Arizona.
If you are interested in leasing a new car instead of buying or financing a new car, you can negotiate in the same manner as you would when buying a car. Leasing a car does involve some items that you do not encounter when financing or buying a vehicle. You must know the lease terms and the number of miles that you want included as part of the lease. Lease terms usually range from 24 months to 48 months. The miles allotted per year usually range from 10,000 to 15,000.
In order to get the best rate on an auto loan you need to do some advance work and be prepared to talk to several lenders. You shouldn't rely on the dealer to secure your financing for you, according to the Federal Trade Commission (FTC). A dealer will try to push you into an agreement that makes him more money either in commissions from the lender or additional fees he adds to your purchase contract. Save money by learning how to get the best rates on an auto loan on your own.
As a car collector protection of your prized possessions is both a personal and financial priority. Collector car insurance can help to protect you financially if something were to happen to one or more of the cars in your collection. Knowing how to get the best deal on collector car insurance will allow you to rest easy and enjoy taking your classic and antique cars out of the garage. To get the best deal, doing research is essential.
Contractors are often left with a valuable commodity after completing a job. Scrap copper prices may fluctuate, but recycling scrap metals is almost always financially sound and also helps the environment.
One of the most consistent hurdles for the international traveler is the conversion of one country's money to another. For those traveling from India to Thailand, a necessary and valuable conversion will be converting Indian rupees into the Thai currency, which is known as the baht. This process is now quite easy for the modern traveler, due to the many electronic methods of conversion, which are very convenient and make it easier for the consumer to ensure a fair and reasonable deal for his money transaction.
During financial distress, pawnshops provide secured loans to people for collateral items. They also buy items in exchange for quick money. Most bargain hunters like to frequent pawnshops because of the reasonably priced merchandise. Learning how to master the art of bargaining at a pawnshop can score you bargain items.
Visa offers Signature Concierge service to its new and existing customers free of charge. The service is available 24 hours a day, seven days a week, with customer-service representatives waiting to take customer calls. The Visa Signature brand of credit card is designed for customers who like a lot of perks with their account. For those who like to get the most out of their credit card, the concierge service is a good way to get maximum value.
In 2009, the national average car insurance premium was $1,736 per year, according to CarInsurance.com. Car insurance can be expensive, and many individuals want to know how to get the best deals. If you are shopping for car insurance, its essential to do your research and know how to save. Fortunately, some basic tips can help you cut your premiums, and keep some extra cash in your pocket.
Although having a good credit rating always has been important, it has become even more vital as lenders tighten credit and raise lending standards. Having a good credit rating means you will be approved more easily for things like credit cards, auto loans and a mortgage. That can save you money in the long run, because lenders will give you lower interest rates on your loans. Therefore, you should do everything you can to get the best possible credit rating.
Insurance for teenagers can be very expensive, and for good reason. Teenage drivers are the highest risk group of all. However, most insurance policies offer several avenues by which a teen's rates can be reduced significantly. It will never be cheap, but taking the right steps can keep your rates as low as possible.
In tough economic times, it's important to get the best insurance rates possible. Auto insurance and, if you own a house, homeowner's insurance are mandatory, so it makes sense to spend as little as possible for the broadest amount of coverage. Instead of going with the first quote you receive, do some research and shop around to get the best rates for all your policies.
Shopping for health insurance can be complicated -- there is no one-size-fits-all policy -- but it does not have to be scary. Before you purchase a new health insurance policy, take the time to do some research, learn the lingo and carefully consider your health care needs. Having a good understanding of the system can help you get a better deal on health insurance.
Finding good deals on electronics has become almost a hobby to me. Everyone has a desire for a big screen tv, pretty cell phone, or the next shiny electronic item on the market. When we do make the decision to spend the cash, we often feel a bit of regret when we find out a better deal for the same item was just a click away.
The website eBay is a fairly easy online auction site that can save you a decent amount of money over other purchasing venues. Everyone wants to get good deals that may not be available at stores or on shopping websites. It feels good to save money. It's not hard, and signing up is an easy process in which eBay walks you through each step.
I have found over $1,000 dollars worth of used stuff in dumpsters this year, and the tally keeps going up! From inflatable water slides to ping-pong tables and jogger strollers to lumber. Some of the stuff I have found could easily be sold to pawn shops and eBay. If you are brave enough to do it and don't mind the occasional smell, then you've come to the right place to learn how to dumpster dive for treasure.
Most people are being more conservative with their money and that means cutting back on entertainment expenses. One area that it is extremely easy to save money in is the cost of cable. In fact, you may find that only a few minutes worth of research will result in a savings of several hundred dollars per year. The key is to stay aware of promotional offers by all of the cable companies and to be willing to change companies if a better deal comes along.
Travelers planning vacations in Las Vegas can hit the jackpot without even wagering during an economic downturn. To fill up their rooms, casinos are slashing prices for rooms, food and entertainment.
Electric energy in Texas is deregulated, meaning that each residential consumer can choose their own provider. Different contracts and options can be confusing, but I can show you how to wade through the mire.
Learn how to find the best mortgage deals. Buying a home is the largest purchase that most people ever make. The size of the purchase is matched by the effort you will need to put into preparing your personal finances and creditworthiness before you schedule an appointment with a mortgage broker. If you follow the following steps ahead of time, you will be in a much better position to find the best mortgage deals. You should allow yourself at least six to eight weeks of preparation before approaching a lender.
Settling debts is often a harrowing experience, but one that more and more people are having to face. Getting the "best" debt settlement is not the same for everyone. It depends on how much money you owe, whom you owe (negotiating with the IRS will be very different from Lowe's), how panicked you are about creditors calling you constantly, and how good you are at negotiating settlements, especially when the person on the other end of the telephone is threatening you. Here are several strategies for settling debts. One of them will probably be the best one for you.
The average cost of an individual health insurance plan was $183 a month in 2011, according to a study by eHealth. That's a fairly sizable chunk to have taken out of your budget every month, especially if you're watching your pennies. Next time your medical coverage is up for renewal think smart about ways you can cut your premium.
Many businesses follow the mantra that "the customer is always right." However, that does not always happen without a little work on your part. It is possible to get what you deserve from a company you do business with, but it may take patience and vigilance on your part.
Car leases are desirable because they typically feature lower monthly payments. However, several factors determine whether you get a good car lease deal. If you're looking to lease a new car, and you want to get the best car lease, familiarize yourself with the leasing process beforehand. Ask questions and determine whether a lease is right for you.
A KitchenAid stand mixer is a luxury kitchen appliance for anyone. Here is how to get the best price on the mixer.
With the many different types and qualities of bicycles on the market, purchasing one may be a bit confusing. Here's how to cut out the confusion and buy the right bicycle for you at a great price.
Several factors influence the interest rate on a home loan. This includes the price you pay for a home and the interest rate you receive. While you can't always control the asking price on a property, you can take steps to ensure you get the best interest rate on a mortgage loan. A lower rate equals lower payments. In turn, you'll have extra cash to use for debt elimination, home improvements or savings.
Leasing is a great way to save money on a car payment, and because leasing a car is less expensive than buying one, most people can afford a nicer vehicle. However, getting the best deal on a leased car generally involves getting the best interest rate. Before walking into an auto dealership and signing a lease agreement, it's best to familiarize yourself with leases. Some people sign a bad lease agreement, in which they end up owing thousands of dollars at the end of the term. However, there are ways to lease a car and keep the costs down.
Thomas the Tank Engine and Friends are a very hot item for children today. However, they are the most expensive wooden trains and train sets on the market. Here's how to buy your trains and accessories at the best price.
Buying Disney movies doesn't have to cost a fortune. These tips will save you money when purchasing DVDs or Blu-ray Disney movies.
Whether you are renovating or updating your kitchen or simply replacing your refrigerator, you need this advice. Don't buy any kitchen appliances before reading this money saving article!
Fundraisers are used to make money for a cause or a group. There are many different types of fundraisers to choose from, but the most cost efficient fundraisers are ones that can be made by a group. Sub fundraisers are easy to run and simple to create. There are a variety of subs to choose from and there is a potential to raise a lot of money.
When money is tight and you need to pay bills, you need to do whatever possible to make ends meet. If you own firearms, use them in your favor by pawning them for cash. When you pawn something, you are receiving a loan by using your valuables, in this case your firearms, as collateral. It's not the ideal situation: the interest is high and if you do not make the payments on time you could your possessions, but when times are tough, you do whatever you have to do.
When it comes to bargaining, this is typically not a part of American culture and the thought of it can make people uncomfortable. It pays off if you can manage to get over your initial discomfort, however, as you may be surprised to learn that a little haggling can get you a better deal on almost any major purchase - and even a few minor ones, as well.
Health insurance has become an expensive necessity. The rising cost of health care is directly reflected on the cost of insurance. It is in your best interest to seek out the best deal for health insurance to obtain sufficient coverage and save as much as possible.
Gas prices are on the rise. With all the conflicting news stories out there, it's tough to tell if it's going to get better or not There are ways, though, that you can stretch how far a gallon of gas can get you.
Many people are getting destroyed financially by their lack of economical knowledge. Inflation is self-administered by our country's Federal Reserve System. But the "Fed" is not part of our government. Instead, it is a private corporation made up of bankers. The majority of the group are of foreign decent, and they allow our country to borrow and print money. So, our printed money is no more than a instrument of debt.As a country, we must repay our loan with interest. The most important factor that causes inflation is the interest charged by the "Fed." This payment is passed on to…
Pottery Barn Kids is a popular children's store that features furniture, room décor and accessories, and unique toys. If you love Pottery Barn Kids--but not the sometimes hefty price tag--then you should check out these tips on how to get deals on your favorite items.
CDs, or certificates of deposit, are a good place to put away money for savings. These accounts offer low risk -- an account backed by the Federal Deposit Insurance Corporation has a guaranteed return on your initial deposit -- and they typically have a higher rate of interest than a regular savings account. You can get CDs at banks, credit unions and online financial institutions. To get the best rate, you'll need to shop around.
If you compare the cost of postage for one ounce of mail in 1863 (6 cents) with today and put the cost of an upscale home in that same time period ($15,000) to today, postage is already a bargain. You can still get more of a deal if you shop wisely. Read on to learn more.
