''Hard work is like a staircase and luck is like a lift. Lift may fail but staircase is sure to take you to the top'' -- unknown

To be fearful when others are greedy, and be greedy when others are fearful -- warren Buffet

I am better investor because I am businessman,better businessman because I am no investor. -- Warren Buffet


Some free stuffs - Pretty cool

Telphone and Longdistace calls:

Google Voice, you can get all of your cell phone calls free too.


As we point out in 19 Tips to Save on Entertainment, your local library, parks, and universities offer lots of free fun, from books to plays to concerts. Join email lists to see what’s up. And of course, there’s the Internet, offering free games as well as articles. Just go to the website of your favorite news source.
Volunteering doesn’t cost a dime and can pay off for both you and your community. Local animal shelters, home-building groups, shelters, and food banks are always looking for volunteers. And check out volunteer opportunities at local festivals and events. By volunteering, you get to go to the event free.

Free Baggage - Airlies

Try to fly with the only two airlines that allow one free checked bag: Southwest and JetBlue.

Free scholarship search

Plenty of websites offer free searches for scholarships, such as Fastweb. There’s even a company called Free Scholarship Searches that offers links to 40 websites that offer free scholarship searches.

Free ATM

Tired of paying a $2.50 “convenience fee” for using an ATM that’s not in your bank’s network? Use an app like ATM Hunter to find a branch ATM. If you can’t find an ATM near you for a free cash withdrawal, no worries: Plenty of stores will give you cash back with no fee when you make a purchase.

Free credit reports and scores

Don’t ever pay for a copy of your credit report. Instead, go to for a free look at your credit history once a year.
When it comes to free credit scores, you can turn to sites like Credit Karma or Credit Sesame, although they won’t give you the most widely used score, the FICO score. For that, you could try enrolling in a FICO product that comes with a free score, then cancelling within the cancellation period.

Free cars
Many people want their cars moved from place to place, but don’t want to do the driving. Sometimes these cars are delivered by truck, but often they’re driven – by people like you. If you have a clean driving record, a car delivery company like AutoDriveaway might hook you up.
I did car delivery a few times when I was in college – it’s a great way to get where you’re going. It’s best if you’re flexible about when you leave, return, and perhaps even where you go. You still have to pay for gas, and the trip home can be problematic. I used to hitchhike, but smarter choices today would be bus, plane, or waiting at the other end for another drive-away car.

Free lodging
Why stay in a hotel when the nonprofit offers tourists a chance to stay at homes for free? Make friends with sponsoring families throughout the United States and countries ranging from Croatia to France. You have to set up a profile on the CouchSurfing website, which provides tips on how to find families willing to open their homes to you. Obviously, the digs won’t be fancy, but they’ll be free.
Another way to get free lodging is to home-swap.

Free audio books
Now you can find out for free the fate of Pip in Charles Dickens’ “Great Expectations” or Elizabeth in “Pride and Prejudice” as you drive or jog. Download free audio books from the nonprofit, which has volunteers recording classics in the public domain – including many Shakespeare plays. You can also volunteer to help by reading. LibriVox will even provide you with free recording software.

Free food
There’s at least one day every year when you shouldn’t think of paying for a meal. Frugal Living has a list of hundreds of businesses that offer birthday freebies, most of which are food. For a free libation at your favorite pub, do what I do: Loudly proclaim it’s your birthday and demand that everyone within earshot pick up the next round.

5. Free food for kids
Don’t go to another restaurant that doesn’t feed your kids for free. offers a roadmap of where you can save on kids’ meals – just type in a state and city. You’ll pay but your kids won’t at more than 5,000 restaurants across the country.

6. Free samples
Before you go to the drugstore and shell out silly sums for travel sizes of your favorite toiletries, go to or one of many other websites that offer free samples. In addition to soap, shampoo, etc., you might find all manner of interesting things. For example, we’ve spotted circus tickets, a free diet analysis, and free advance movie screenings. Other free mega-sites include and

7. Free TV
Despite that more than 100 million Americans shell out an average of $75 every month for satellite or cable TV, local channels are still free. And thanks to digital signals, reception is better than ever.

8. Free software
You can get free software for word processing, spreadsheets, presentations, graphics, databases and other uses by going to And that’s the tip of the iceberg. No matter what kind of software you want, you can probably find it free.

9. Free anti-virus
This one could go under “free software,” but it’s important enough to warrant its own spot on the list.

10. Free speech
Make your voice heard around the world with your own blog. Many companies will help you set up your own site at no charge, such as WordPress or Blogger. They’ll even give you free, easy instructions and a choice of blog templates.

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