Target is doing a special promotion for their optical service. It could end any time but will definitely end no later than April 29th..

Children 12 and under can get a free pair of glasses.

They need to bring in a valid prescription for glasses from their doctor and Target will let the child pick from about 40 different frames. They will place their best lenses in the frames which are non-glare and scratch resistant and normally sell for $200.00. There are no income guidelines. Any child 12 or under is eligible.

You can find stores with optical departments at www.target.com to confirm they are participating before making a trip to their store.

Please pass this information on to anyone who can benefit from this promotional offer. If you know someone with lost or broken glasses please share this information with them ASAP, as the promotion could end at any time. They would like families to come in as soon as they can.

1.) Loan reinstatement is where a lender has started the foreclosure process and the homeowner finds a way to pay back or “reinstate” the entire deficiency owed. The deficiency amount includes back loan principal and interest payments, accelerated interest costs, attorney’s fees, assorted processing and collection expenses, and late penalty charges. This technique requires the maximum amount of money all at once. Ironically, lenders recently indicated that pre-payment penalties may be included into final judgments in the near future.

When the homeowner’s reason for the delinquency is resolved, he usually asks the lender to take partial payments because he can’t get the entire deficiency amount together. However, the lender will not accept partial payments and the foreclosure will proceed if the full reinstatement amount isn’t paid. The reason for this is simple, the lender knows that the homeowner’s chance of getting out of, and staying out of foreclosure is less than 1 in 8. So the lender does not want to drag out the inevitable, the loss of the home to foreclosure.

2.) A forbearance agreement between the lender and the homeowner stipulates that the homeowner must make additional monthly payments for a specific period to make up the reinstatement amount that he couldn’t pay in full. As simple as it sounds, it may be unaffordable for the homeowner who could barely afford the original loan payment. The lender will usually ask that the homeowner pay the reinstatement amount over a three or six month period. If the monthly loan payment was $2,000 per month and he was 3 months in arrears, the new monthly payment for a three month period would be at least $2,000 + $6,000/3 = $4,000 per month. For a six month repayment schedule the new monthly payment would be $2,000 + $6,000/6 = $3,000 per month. In some instances the lender may ask for an additional cash payment before they will start the increased monthly payments. After the 3 or 6 months, the loan payments revert to the original amount or $2,000 in the above example. The foreclosure does not stop with the signing of the forbearance agreement but simply is put on hold until the homeowner completes making all the increased payments.

When you speak to your lender try for 12 months and don’t accept less than 9 months unless you can truly afford it! Ask them to review your financial statement, which they should readily send you and remember that the lender has already pulled your credit report and knows where you work, possibly how much you make, how many other monthly payments you have, and other information in the public records. They have also done a price analysis on your home and probably had a Broker’s Price Opinion (BPO) completed. Essentially they know what answers you should be giving them, so be forewarned. This method of reinstatement takes as much money as the loan reinstatement except it is spread over 3 – 6 months or, hopefully, more.

3.) A loan modification program was the most common method of foreclosure resolution for decades. It involved the lender issuing a new loan agreement where the deficiency amount was added to the loan balance and paid in identical monthly payments but for many more months, at the end of the loan. The monthly payments remained the same and if the home was sold, the balance of the reinstatement amount was paid from the proceeds of the sale. This method of resolution requires no up-front cash and the same monthly payment as before the foreclosure.

Another type of loan modification was to very slightly increase the monthly payments over the remaining term of the loan. So the homeowner has a choice of either extended but identical payments (as above), or slightly higher payments for the original term of the loan. Either option repaid the lender his money back plus interest. It was an affordable win-win for the lender and the homeowner, but is seldom offered anymore unless the lender knows the property is not worth taking back by foreclosure and he hasn’t sold the loan into a mortgage pool.

Loan modification programs are usually not available unless there is a hardship involved such as a job loss, death or illness. But it is worth asking your lender about it if you are in foreclosure because the market conditions and massive loan defaults puts pressure on the lenders to be more cooperative with homeowners. Your best option is to talk to your lender and as early as possible so you have time to resolve your problem.

About The Author
Dave Dinkel is the author of http://www.StopMyForeclosureMess.com “32 Ways to Quickly Stop Foreclosure and has helped thousands of foreclosure victims for nearly 33 years. If you are facing foreclosure, visit http://www.StopMyForeclosureMess.com StopMyForeclosureMess.com for guaranteed solutions.

If there is one thing that you can be sure of regarding the economy it is this: it will change. Like most other things in life the economy goes through cycles and while you may not be able to predict when things will improve or decline you can bet that they will. As families struggle through the current recession it is important to remember that this is not the first nor the last time that the economy will take a turn for the worse. In knowing this you should also know there are a few simple ways to prepare you finances to ensure you weather the current cycle and remain in a position to benefit when the economy takes it’s next turn; hopefully for the better.

1. Have multiple streams of income- A few decades ago it was standard procedure to graduate from either high school or college and establish yourself with a company for the long haul. Those times have changes and if you wish to be financially secure it is important to understand the benefit of having multiple streams of income. Even if you have a great job with a great salary in times when the economy falters layoffs and downsizing become a reality many people are simply not prepared for. If you depend on just one source of income and you lose that income your finances can quickly take a turn for the worse. If you are fortunate enough to have a severance package you may be able to live off of that for a period of time, but you will eventually have to find another job and in the interim you may have to dip into your savings to survive.
2. Diversity is the key- Similar to the first tip, having a diverse portfolio is the best way to protect yourself from losing everything in one fell swoop. The economy is simply not predictable enough at any time to have all of your eggs in one basket. Your age and the age at which you want to retire play a big factor in how risky you want to be in the market, but you should always spread your investments in a way that some money is safely tucked away slowly making more money.
3. Manage your debt- An import lesson was brought to attention in the last year. Millions of people have learned that their spending and saving habits leave a lot to be desired. If you have debt now is the time to tackle it once and for all. If you can do it on your own by cutting costs and focusing serious energy and efforts toward debt reduction- then by all means go for it. Keep in mind that you will likely have to take a serious look at your lifestyle and make appropriate changes to ensure you do not dig yourself out of debt only to find yourself back in debt from using credit cards or overspending. If you are overwhelmed and your debt is making it impossible to move forward financially it is time to look into the various debt relief options available to you.

Managing your finances does not have to be a game of chance, by using common sense and paying attention to where your money is coming from and going you should be able to stabilize your finances without much difficulty.

My idea is simple.  I am going to give myself 1 month get get the site ready for a sale.  During that time, I’ll be driving traffic, improving the existing content, and anything else I can think of to improve the site.  I am hoping one of two things happens:  either I like the end result so much that I decide to continue forward, or someone likes the site enough to purchase it.

Please give me your thoughts and comments about this.

Thanks for your continued support.

• If you pay for trash removal, cancel your service and go in together with your neighbor (or just put your trashin front of his house).
• Wait to wash your dishes until the dishwasher is completely full.
• Turn your computer(s) off at night.
• Don’t run the water while you are brushing your teeth.
• Wash your clothes only in cold water.
• Use the back side of previously-printed on paper in your printer, unless you are printing a non-draft item
• Use your cruise control
• Take your lunch to work.

There are lot more ideas on saving money, but here is something you can do to kick start your efforts.  Pick 2 consecutive days during the week and implement every money-saving option on those 2 days.  It will help you get into the habit.

Happy Saving…

• Free Food
• Is buying a refurbished product a bad thing?

• How To Enjoy The Good Life While Living On A Budget
• Quick Tip

• Free $10 Gift Card
• Rediscover Your Local Library

I’ve been coming to the library for years.  It seems that as the economy got worse, more and more people showed up at the library.

I am typing this post on the library’s WiFi (once it finally started working…must be the weather).  Both of my daughters are on the computers here also.  We have a “library night” one night a week.  They get to check out books, movies and catridges for the leap frog and leap pad.

The library is safe, warm when it’s cold out and cool when it’s warm out, well lit, and quiet.  I’ve always loved book stores…and libraries are a close runner up.

• Does insulating your garage save you money?
• New Years Resolutions Don’t Work
• Is your cell phone bill too high?
• End Of Year Message
• Now that the holidays are over…
• 9 Recession Survival Tips

I am going to be evaluating all of the following bills and will be taking drastic actions, if necessary, to get the costs reduced:

• Sat TV
• Home Phone
• DSL

In 2009, I have decided to make my online presence larger. My ultimate goal is to work 100% online and not have to go to an employer’s location 9-5 M-F. I feel that I am on the right path towards this goal, and with your help, I can make it.

With the economy the way it is, these words may be worthless, but I hope you had a great 2008 and I hope your 2009 is even better. If you ask my opinion, I think the economy has reached the bottom of the curve and things are turning around.

If you want to follow me even more, my exploits and spoutings can be found on Twitter, by email, on Facebook, or on LinkedIn. I can also be found on digg and can be reached by paper cup and string.

Happy New Year

Make sure you lock your doors and windows, leave a radio on low volume when you leave the house unoccupied, and report any strange activity in your neighborhood.  The thieves will be out in force because the things you bought for Christmas are no longer safe in a secure warehouse or locked and alarmed department store.  Those things are now in your mostly-unsecured homes.

The economy is in the midst of her death throes. Violence and crime are projected to escalate as people begin to lose their jobs. The waning days of the credit frenzy is causing many to realize there life has had no real meaning. The consumer based economy is over and people are beginning to panic. The criminals are salivating at the realization that people’s distrust of banks are causing them to store their money at home.

• Saving Money At Christmas

• Saving Space Can Save You Money
• I Need Your Help
• Free Shipping Day???
• Speaking of Saving Money

• Saving Money on Clothes
• Grocery Store Round-up
• Get Your Game On
• FREE USB Drive
• Top 10 Money Wasters

I’ve posted quite a few items on how to save money at the grocery store. I figured I’d round them up for you so you don’t have to go hunting for them.

Buy Generic – Don’t worry.  You’ll find that a lot of the generic items taste just as good as the name-brand items.  In some cases, they are actually the same items, purchased from the brand-name manufacturer and re-branded with the store’s name.  I can tell you with almost 100% certainty that the Schnucks store brand sandwich bread is re-branded Wonder sandwich bread.

Keep track of what you buy – You can do this on paper, but the post describes an application that does a pretty good job.

Eat before you shop – This one should be pretty obvious.

Freeze It – Using your freezer can keep you from wasting food.

Make A List – Don’t just wander the store aimlessly.  Also, organize your list to the layout of the store to save time.

Use Coupons – Don’t throw your cash out with the Sunday paper.

Use cash – You got me.  I didn’t post about this one yet, but what it comes down to is planning to spend a certain amount and using cash only will help you stick to that amount, or rather the thought of the embarassment you will experience if you get to the checkout lane and don’t have enough cash to pay for your purchases.

Have a tip to save money on grocery shopping.  My readers and I would love to find out what it is.  Please leave a comment and share your tip with the world.