Wednesday, December 31, 2008

Attorney General's 2009 green calendar unveiled

Attorney General Martha Coakley's office unveils its 2009 green calendar online here.

The calendar features 12 months of helpful tips and information on issues such as: energy audits and weatherization, energy efficiency and seasonal tips, re-using and recycling, environmental health, and transportation alternatives.

The AGO also recently launched a new Web site section dedicated to Energy & Utilities, as a part of the office’s ongoing efforts to provide consumers with the tools and information to control their energy use.

Printed calendars here are available in limited quantities. The AGO will supply a maximum of two calendars per consumer request, and a maximum of 10 calendars for requests made on behalf of an agency or organization. To request a calendar, please email your name and mailing address to agoweb@state.ma.us.

CU Advocate's Deals of the Day

TotalCereal.com: Free sample of Total Cranberry Crunch cereal

OnSale.com: Apple iPod closeout sale- big discounts while supplies last!

NeweggMall.com: Up to 80% off Givenchy wallets, handbags, belts, & accessories starting at $16

Restaurant.com: Get a $25 gift certificate to 4 Seasons for only $10!

Vistaprint.com: Free return address labels!

CompleteTax.com File your taxes online with no hidden state fees

OnSale.com: Great deals on iPhone accessories!

Tuesday, December 30, 2008

Consumers remain cautious as energy prices fall

Although the price of oil has fallen over $100 per barrel since reaching record levels this past July and gas costs only about $1.60 per gallon, consumers aren't spending their extra cash. Fears of an increasingly unstable economic climate seem to be causing consumers to save more aggressively.

Increasing unemployment rates and intensive media coverage of layoffs and foreclosures present a grim financial picture. "The average customer out there is saying, 'If I don't have to do it--if I absolutely don't have to do it--I ain't buying it,'" Ken Goldstein, an economist at The Conference Board, a New York nonprofit business group that tracks the economy, tells the Boston Globe.

America’s very low savings rate, however, has come to be considered one of the cracks in the foundation of the country’s financial system. While an increase in consumer savings is very likely to be helpful for the long-term economic conditions, it may make getting out of the recession more difficult.

Growth is closely tied to consumer spending, and when spending decreases, the economy contracts. There is less demand for goods and services and that in turn affects unemployment. In contrast, the current economic crisis illustrates the dangers of excessive spending. Reigning in spending is ultimately likely to make for a sounder financial system.

Gus Faucher, director of macroeconomics at Moody's Economy.com tells the Boston Globe, "We're going to see a different attitude toward debt. I think people are going to be less willing to borrow to finance their consumption."

--Bridget O'Sullivan

CU Advocate's Deals of the Day

Walmart: A free sample of GLAD tall kitchen trash bags

NeweggMall.com: Up to 77% off on leather jackets and free shipping

Angie's List: Find reviews on the services you need at Angie’s List. Use promo code “SAVE TEN” for $10 off!

OnSale.com: Refurbished specials and free shipping on orders over $49 after rebate

Vistaprint.com: 50% off custom printed invitations and announcements

Dollar Rent a Car: Save 10% off time and mileage only on New York area location's standard retail rates. Use Coupon SAV10

TurboTax.com: Do Your taxes The easy way— for FREE. Use TurboTax federal free edition today

Monday, December 29, 2008

CU Advocate's Deals of the Day

Don Francisco's Coffee: Fan of coffee? You're in luck. Get a free sample of Don Francisco's Breakfast Blend Coffee here. Now's your free chance to enjoy

MP3 Players: Discounted MP3 players and accessories under $100. Get one now

Peapod: Click here for $10 in free groceries

Skype: 33% off 3 or 12 month calling subscriptions from Skype

TurboTax.com: Do Your Taxes for free with TurboTax Federal Free Edition today

Dollar Rent A Car: Free upgrade coupon from Dollar Rent A Car

Food costs steady despite drop in fuel prices

As gasoline crossed the $4 mark this summer, grocery stores were some of the first places consumers saw prices rise. Although the price of fuel has declined considerably since then, the prices of many food items have remained relatively constant.

"Prices always go up faster than they come down," John Rand, a grocery team leader at researcher and consultancy Management Ventures Inc. in Cambridge, tells the Boston Globe. "They raise prices in anticipation of costs. They very rarely lower them in anticipation of savings."

In addition, the costs associated with fuel and transportation make up only a portion of what consumers are actually paying for when they purchase an item from the grocery store. Meat and produce, for example, are also subject to variations in supply that are dependent upon weather and other unpredictable natural events.

Other items that have a very long shelf life, such as soap and paper towels, are dependent upon contracts between sellers and manufacturers. These contracts are often negotiated before either party knows what fuel or transportation costs will be at the time of delivery.

Just because grocery prices have remained relatively constant does not mean that there are not bargains, however. Stores still need to move their merchandise, and in response to weakening sales figures, more manufacturers may be offering coupons to entice shoppers.

"We also have thousands of temporary price reductions every single week," Judy Chong, spokeswoman for Shaw's, says. "If you just spend some time clipping coupons or you pay some attention, you can get some deals out there."
--Bridget O'Sullivan

Sunday, December 21, 2008

Consumer United's Holiday Savings Game

Consumer United unveiled its new Holiday Savings Game here to whip you into the spirit of the season.

Are you on Santa's naughty or nice list when it comes to energy efficiency? Does the idea of high energy prices this winter make you feel anything but jolly?

See how much you can save by taking the following steps from Santa.

Happy holidays from Consumer United!

Friday, December 19, 2008

CU Advocate's Deals of the Day

Dove Sample: Snag a free sample of Dove New Therapy Hair Care System for vibrant shiny locks

Ruby Tuesdays: Free $5 coupon with every $25 gift card purchased until 12/31/08

OnSale.com: Get $30 off iHome iH9BR clock radio and audio system for iPod for $69.99

Peapod.com: Click here for $10 in free groceries from Peapod!


Hotels.com: $30 off with a five night booking!

AutoAnything.com: Save $50 on carpeted truck bed liner plus get free shipping. Ends 12/31/2008

CouponBar.com: Save money and print free coupons anytime

Skype.com: Call anywhere in the world for free on the 3 Skypephone

Thursday, December 18, 2008

Stay connected and save big on basic services

Household services such as cable, internet and telephone connections can be a big drain on the budget every month. Looking for deals and finding the best combination of services to match your household’s needs can lead to lots of savings.

Switching from a traditional landline telephone connection to Skype, the internet based calling service, can be very cost-effective. On Skype it's free to call other Skype members and their rates for calling landlines, even international ones, can be much lower than traditional providers. In addition, with many households already paying for at least one cell phone connection, internet based calling can easily provide a replacement for landlines.

If your household is committed to keeping its landline, however, be sure to find out if your provider offers bundled packages. Some companies offer telephone, internet, and cable for one monthly rate. Beware of introductory rates that make switching seem attractive but ultimately lead to higher bills.

Customers that currently get their services from different providers may be in a good position to negotiate, as well. Providers will sometimes match their competitors’ prices for certain services to prevent losing business. Don’t be afraid to ask for upgrades or other perks, especially if you’ve been a customer for a long time.
If you’re paying for services that you’re not utilizing, however, don’t waste any time in pulling the plug.

Click here for 33% off three or 12-month calling subscriptions from Skype

Inside Consumer United :: Kristin Williams

Kristin Williams began at Consumer United in September, working full time as a Consumer United Advocate. She loves to save Consumer United members money on basic services, especially for insurance products. Since Williams' arrival, Consumer United has expanded its reach to New Jersey and hired more people.

"It's amazing to see how much the company has grown in such a short time," she says.

What's Williams' favorite personal finance advice? She believes one should shop around, especially at the grocery store. Williams usually sticks to the store brand. "I always look at the price per pound/ounce to know that I'm getting the best deal for my money, and I hardly ever buy name-brand products." Williams also uses a monthly budget as a tool fo saving, and keeping her expenditures in check.

During her off time, Williams volunters at a local theater company called Bad Habit Productions. She loves every minute of it. Williams just finished working on "The Laramie Project," marking her fifteenth show. She works mostly behind the scenes, usually as a stage manager, director or in lighting/sound design. Not only is Williams dedicated to theater, she's a photographer as well. She does mostly landscape work, but loves photographing people.

Williams adds, "Consumer United not only helps people save money but we help people get set up with things they need at a great price, with only a phone call or a few minutes spent on the internet."

Before Consumer United, Williams graduated from Washington State University in May. She worked for an editor of a Scientific Journal while in school earning her degree in Entrepreneurship.

CU Advocate's Deals of the Day

Escada: Free Moon Sparkle fragrance sample

OnSale.com: The newest iPod touch for as low as $214.98 with free engraving

NeweggMall.com: End of season clearance on luggage

OnSale.com: APC optical travel mouse only $9.99

Vistaprint.com: Winter Clearance Sale! Save up to 90% site-wide!

eFaucets.com: Save up to 40% on brand names for your kitchen and bath

ShopperChoice.com: Low Prices, huge selection and more on computer and office supplies. Free shipping available

Wednesday, December 17, 2008

CU Advocate's Deals of the Day

Eucerin: Free sample of Eucerin's Aquaphor while supplies last

NeweggMall.com: Alpaca scarfs from $19.95 and free shipping

Restaurant.com: 80% off savings on dinner of the month club purchase with code SANTA. Ends 12/22/08.

Angie's List: Find reviews on the services you need at Angie’s List– from electrician to physician with promo code “SAVE TEN” for $10 off!

ConsumerDirect.com: Free credit scores online. Get your four scores instantly and every 30 days. Fix errors and lock reports!

Dollar Rent a Car: Save 10% on any vehicle when you purchase a car rental 24-hours in advance and use an American Express.Use Code AX10 Offer ends 12-31-08

TurboTax.com: Do Your taxes The easy way— for FREE. Use TurboTax federal free edition today

Tuesday, December 16, 2008

Procrastinators rejoice while airlines slash fares

Good things come to those who wait ... especially for last-minute procrastinators booking flights and heading home this holiday season.

Travelers are finding the lowest airfares in years, due to the price of oil at a third of what it was last summer. With the economic slump, last-minute travel cancellations are being made because people are losing their jobs causing a low demand to fly.

If you want to travel this holiday season for cheap, don't expect to fly when everyone else is. Flying on an off day has caused some to have incredibly rewarding savings. George Hobica, founder and president of Airfarewatch.com, says "You'd be surprised how airlines are opening up cheap seats at the last minute. If you haven't made plans already, you may be rewarded." These fares are subject to change day by day, or even hour to hour.

A Saturday departure with a Tuesday returning flight had a fare of $535 round trip. If you depart a day later, on Sunday, that fare dropped to $447. That's not a bad deal. According to the Los Angeles Times, Bet Williams is planning on visiting her mother in Tampa, FL. this Christmas. She was able to find a round-trip fare of $240. Only a month ago, the fare was around $400.

Click here for the complete story.

CU Advocate's Deals of the Day

Xerox: Send a personalized postcard to U.S. military personnel designed by an American child and sponsored by Xerox.

Sharper Image: Umbrellas from Sharper Image as low as $15 at NeweggMall.com

Restaurant.com: Thanks to the almighty discount gods over at Restaurant.com, $25 gift cards to restaurants around the country from Restaurant.com can be had through Sunday, Dec. 21 for $2 using Consumer United Advocate's special promo code SANTA.

OnSale.com: Apple iPod touch 8GB (1st Generation) only $199.99

NeweggMall.com: 30-60% off Burberry sale! New price drops on Burberry wallets, handbags, scarves, messenger bags and leather accessories

Skype: 33% off 3 or 12 month calling subscriptions from Skype

Monday, December 15, 2008

Americans are withdrawing from retirement funds

As unemployment rates reach levels that haven’t been seen for decades, a larger number of Americans are reaching into their retirement savings to help make ends meet.

Bank of America recently released a survey on retirement savings, and nearly 20 percent of respondents said they had drawn from retirement accounts to help pay bills since the downturn began.

Drawing from retirement savings often has serious repercussions because the tax consequences are high in the short and long-term financial health is impacted.

"Taking a distribution from a retirement account is one of the least tax-efficient places from which to get the money," Mark Nash, co-author of Pricewaterhouse Coopers' 2009 Guide to Tax and Financial Planning, tells MarketWatch.

Those who withdraw must pay an addition 10 percent penalty if they are under the age of 59 and a half. In addition, the amount that is withdrawn is considered income, so it could also affect other benefits that an individual or household receives based on their income.

If withdrawing from retirement funds is the only option a person has, there are certain circumstances that can lessen the penalties. For example, first-time home buyers can take a one-time distribution of $10,000. This money is still considered taxable income, but even if the person who withdraws is under the minimum age, the $10,000 is not subject to the additional 10 percent penalty.

Other situations such as medical expenses that exceed a certain percentage of income or college tuition can also sometimes exempt the borrower from paying the additional 10 percent penalty.

To learn more, click here.
--Bridget O'Sullivan

CU Advocate's Deals of the Day

TurboTax.com: Do your taxes for free with TurboTax Federal Free Edition today

OnSale.com: Save $15 on MS Office 2008 Home and Student edition, now only $108.99 (was $123.99)

Dollar Rent A Car: Free upgrade coupon from Dollar Rent A Car

Peapod: Click here for $10 in free groceries

OnSale.com: Save $140 on LaCie big disk 2TB hard drive now only $259.99(was $399.99!)

NeweggMall.com: Reddy heater propane forced-air heater $1149 (50% off)

Hotels.com: Save between $20 and $100 on all hotel bookings now!

Friday, December 12, 2008

CU Advocate's Deals of the Day

Colgate: Free sample of Colgate Total Advanced Whitening toothpaste

NeweggMall.com: 30-60% off Burberry sale! New price drops on Burberry wallets, handbags, scarves, messenger bags and leather accessories

OnSale.com: iHome iH9BR clock radio & audio system for iPod - black only for $69.98

MagazineCity.com: Click to save on fashion magazines!

Restaurant.com: Save up to 60% on restaurant gift certificates- $25 gift certificates for only $10

CouponBar.com: Print free coupons anytime and save money

TurboTax.com: Do Your Taxes for free with TurboTax Federal Free Edition today

Is now the time to buy a house?

Housing prices are falling. Is the buying opportunity of a lifetime almost here?

Housing prices are down to nearly 5.5%, and this week the federal government may be locking the rate down to 4.5%. The buying opportunity of a lifetime is reportedly on its way, although no one knows exactly when it will begin.

The time is certainly fast approaching, and unfortunately we will only be able to know the absolute bottom of housing prices when looking back. According to a New York Times article, the moment will probably arrive when everyone is feeling the most pessimistic.

There's still a downside to the housing market. A study called "The Changing Prospects for Building Home Equity" forecasts that many buyers will see a decline by 2012. There's even a potential six figure drop on homes in San Francisco, New York, Los Angeles and Seattle.

For those looking to buy, here are a few tips:

Don't spend more than 28% of your pre-tax income on mortgage payments, insurance and taxes. With the current unemployment rates, use caution if you think you may be at risk. A.C. Panella, who teaches at a University in CA, waited until she reached tenure before purchasing a home with her partner, Amy Goldman, a lawyer for a nonprofit organization.

"We could afford the mortgage payment on one salary, were something to come up." says Panella. Start now to get on track to improve your credit score. It takes time to qualify for the best mortgage rates.

Thursday, December 11, 2008

Relief for those struggling with student loans

Many people who decide to pursue higher education end up paying the price for years. Without scholarships or other assistance, just one year at a private institution can cost upwards of $50,000. The only option many students have is to take out large loans.

Effective July 1, however, a new plan will allow lower income graduates to make smaller monthly payments.

This relief comes in addition to a plan the government already offers to forgive some of the debt of students who pursue public service career paths. After a graduate makes 120 payments, the remainder of the loan is forgiven. The only loans that are eligible for forgiveness, however, are the Federal Direct Stafford Loan, the PLUS loan, the graduate PLUS, or the Federal Direct Consolidation loan.

"Typically, it is projected that a borrower who performs public service under this program will repay only about one-fourth to one-half as much money as a borrower who does not," Peter Mazareas, vice chairman of the College Savings Foundation, a Washington-based advocacy association, says to The Boston Globe.

Some loan forgiveness programs are also based on the state in which the graduate lives, and Massachusetts, for example, offers additional programs. For graduates who pursue professions related to teaching young children or other forms of childcare, there are forgiveness opportunities available.

In addition, the federal government has discussed increasing its involvement in helping graduates handle the burden of student loan debt. Loan forgiveness or assistance could become available to those pursuing a wider range of professions. For more information on Massachusetts loan forgiveness, click here.
--Bridget O'Sullivan

CU Advocate's Deals of the Day

Shelburne Falls Coffee Roasters: Free coffee sample with newsletter signup

Hotels.com: Great Beach Getaways! Maui from $98.00

StubHub.com: New York Knicks tickets as low as $20

Angie's List: Find reviews on the services you need- from electrician to physician with promo code “SAVE TEN” for $10 off!

Skype: 33% off 3 or 12 month calling subscriptions from Skype

TurboTax.com: Do Your Taxes for free with TurboTax Federal Free Edition today

Consumer United: Sign up for a mortgage and receive 25%-40% off your closing cost

Online coupon sites are making a comeback

As more and more shoppers are paying careful attention to their budgets this holiday season, retailers are noticing a big increase in the popularity of online coupon sites and codes.

The recent rise in interest undoubtedly has to do with the economic downturn th ecountry is facing, but online coupon sites have also dramatically increased the accessibility of the codes.

Sites such as BetterDealsDaily.com, CouponCode.com, CouponMom.com, and CouponCabin.com are informational sites that gather and publish codes that shoppers can use when they make purchases online. Some codes have become so popular, in fact, that retailers limit the amount of times that they can be redeemed.

"Coupons had never been a big factor online the way they are offline. This is something new," Gian Fulgoni, chairman of comScore, tells the New York Times. "It's taken pricing power away from the retailers and given it to the consumers, because the consumer is totally up to speed on what the prices are."

The popularity of online coupon code sites is creating a whole new kind of value generation, and not just for the shopper. Some sites earn commissions from retailers when shoppers click through their sites to make purchases. On other sites such as ebates.com, the shopper himself earns a reward for making a purchase from a retailer connected to the site.

Another factor that may contribute to the popularity of onlinecoupons is how discreet shoppers can be. Instead of holding up a long line of people and making their coupon use public, online shoppers can enter coupon codes publicly identifying themselves as coupon shoppers. With the ever-increasing popularity of online shopping, the popularity of online coupon codes is expected to rise significantly.

Click here for the complete article.
--Bridget O'Sullivan

Wednesday, December 10, 2008

CU Advocate's Deals of the Day

Dove: Free hair therapy system with serums

Head and Shoulders: Free sample of conditioner

NeweggMall.com: Stocking stuffers! Designer fragrance minis .39 cents and up and free shipping

Restaurant.com: Take 70% off $25 gift certificates with code ONLINE and pay $3

OnSale.com: Save $40 on Samsung Electronics! 46" 1080P LCD HDTV now only $1,199.99 (was $1,599.99)!

Peapod: $15 coupon from Peapod

TurboTax: TurboTax® Online Federal Free Edition lets you file federal taxes online – FREE!

MagazineCity.com: Save on Motorcycle magazines

Tuesday, December 9, 2008

CU Advocate's Deals of the Day

Lacoste Pink fragrance: Feeling pink? Snag a free fragrance sample of Touch of Pink from Lacoste

iPod: Special offer from OnSale. Get an Apple iPod touch 8GB (1st Generation) only $197.99

Dollar Rent A Car: Free upgrade coupon from Dollar Rent A Car

Givency Handbags: Up to 80% off Givency wallets, handbags, belts and accessories (from $9.95)

MagazineCity: Risk-free magazines for just 10 cents per issue

Peapod.com: Save $15 on your first Peapod order

TurboTax: TurboTax® Online Federal Free Edition lets you file federal taxes online – FREE!

Energy rally begins push for funding

Senator John Kerry was just one of the speakers at a clean energy rally held at Faneuil Hall last month. Community organizers came together and read from their “Declaration of Energy Empowerment” to lay out their plans to make homes more energy efficient and to create more “green collar” jobs.

A call to action to improve energy efficiency was one of the major themes of Kerry’s address. "We're losing this battle today. In fact, we're not even fighting this battle to the best of our ability to the best of our technological skill. To the creative genius that we have in this country, we haven't begun to really fight. ... I want you to understand the importance of the commitment that you've made in being here and going forward from here to translate these rights into a reality in the governance of our country,” Open Media Boston reports.

The organizers of the event focused their remarks on the importance of improving the weatherization of homes and on energy conservation to lower energy bills. With a lot of households facing challenging economic conditions this winter, the speakers emphasized the need to inform people of how to reduce their energy consumption.

In addition, a statewide effort to increase energy efficiency could create many more jobs for area residents. The savings generated by lower energy bills, especially in the wake of concerns over state and local budgets, could have an important environmental and economic impact on Massachusetts.

Click here for the complete story.
--Bridget O'Sullivan

Monday, December 8, 2008

CU Advocate's Deals of the Day

Bear Naked: Free sample of fruit and nut granola

TurboTax.com: Do your taxes the easy way— Use TurboTax Federal Free Edition

NeweggMall.com : Sharper Image umbrellas from $15

Restaurant.com: Get a $25 gift certificate to The Fruit Company for only $10!

OnSale.com: APC optical travel mouse only $3.99

Lonely Planet Travel Guides: Spend $40 at the Lonely Planet Shop and receive free delivery and a free gift

Consumer United: If you have our auto insurance, then you can save 20% off your home insurance- the average member saves $150-$200 per year

Friday, December 5, 2008

How low can gas prices go?

Gas prices are falling rapidly. When will they stop?

Back in June we were paying a record high $4.60. Now we can find gas prices lower than $1.75, and they are falling every day. What is the cause? The economic recession and the drop in the cost of crude oil are the main reasons. Crude oil was selling for $147 a barrel in July, and sold for $47 a barrel on Wednesday.

Will these unthinkable prices continue to fall? "There's a bottom out there somewhere," says AAA spokesman Michael Geeser, pointing out that prices can't fall below 45 cents a gallon because that's how much we pay in taxes. "We know gas will never go below that mark."

Not many are willing to take a jab at predicting the bottom, but most of those who do say prices will continue to drop until our 401(k)s stabilize and our rising layoffs die off.

In the meantime, think ample supplies and cheap gas. In California, more than 1 million barrels a day are being produced, far more than what motorists need. According to Mercury News,
Chuck Brassfield sold 70,000 gallons of gas at his Capitol Premier Car Wash station on Capitol Expressway in San Jose last month. More than 101,000 gallons were sold a year ago.

How do consumers feel about cheap gas? Sarah Jowett almost cried when it cost her $25 to fill up her 1992 Camry, instead of $55. "I think that the gas prices going down was about as good as any stimulus package, or better." Rick Roberts of Los Banos, CA says,"I am quite happy, that the fuel costs have come down as low as they are." Roberts, a commuter spent more than $1200 for gas in July. Now he spends about $560.

CU Advocate's Deals of the Day

Lipstock Chapstock: Chapped lips? Head over to Lipstockist for a free Lipstock Chapstock sample.

Flomax: Get a free water bottle.

iPod: Apple iPod touch 8GB (1st Generation) only $197.99

Magazine City: Save up to 92% on great holiday gifts

Dollar Rent a Car : 5% off any vehicle with code: CJ05

Hotels.com: Great beach getaways- Jamaica from $57!

Peapod.com: Click here for a $15 Peapod coupon!

AutoAnything: Save up to 54% off list price on custom car covers and get free shipping!

Consumer United: Sign up for a mortgage and receive 25%-40% off your closing cost

Thursday, December 4, 2008

Mass. consumers search for higher power

In more and more communities across Massachusetts, local officials and community activists are looking into money-saving wind turbines to accommodate their power needs.

Large wind turbines can generate hundreds of kilowatts of electricity and provide substantial savings on utility costs. However, some communities such as those along Nantucket Sound, have objected to the turbines because of their size and effect on local views of the water.

The cost of the turbines is another factor that has kept them from catching on. A single turbine can be more than $1 million, but the state does award credits to some property owners who construct the turbines.

"The time for talking about this issue is over. We need action. We need hands-on learning," Medford's mayor, Michael J. McGlynn tells The Boston Globe. "But, obviously, the money is significant, too. Any time you're saving $25,000 or $30,000 a year, you're saving somebody's job."

In addition, if a particular turbine’s electrical production exceeds its demand, the owner can sell that power back to a local utility company. As a result, one turbine can provide cleaner energy to surrounding community. By harnessing the green electricity generated by the turbine, a utility company such as NSTAR could sell more kilowatts of wind power to its customers.

Since wind power could be the direction the electricity industry is moving, developers and entrepreneurs are sprouting up around Massachusetts. Kevin Schulte, for example, founded Sustainable Energy Developments Inc in New York to expand wind power throughout the region.

"It seems to be peppered all over society right now: green, green, green. Well, this is green. This is clean energy,” he said to The Globe. “This is 20 years of energy with no emissions. Twenty years of energy with no pollution you have to bury in the ground. I think that's all right."

Click here for the complete article.
--Bridget O'Sullivan

CU Advocate's Deals of the Day

Arby's: Free regular roast beef sandwich with any purchase- valid until 12/14

ShoppersChoice.com: Low prices, huge selection and more on computer and office supplies! Free shipping available

OnSale.com: Invion 7" digital photo frame only $32.99 (was $69.99)- good until 12/15

Restaurant.com: Get a $25 gift certificate to Spa Kist for only $10!

Angie's List: Find reviews on the services you need at Angie’s List – from electrician to physician. Use promo code “SAVE TEN” for $10 off!

CouponBar.com: Print coupons for your favorite brands. Get the CouponBar and save

Consumer United: Save up to $175 in heating oil through Consumer United when signing up for MassEnergy!

Inside Consumer United :: Aaron Biedrzycki

Aaron Biedrzycki is a man with customer service on his mind and savings in his heart.

As a consumer advocate, Biedrzycki is motivated to save his clients money while navigating through the complexities of switching auto and home insurance providers.

"We're pioneers," the consumer advocate says. "Some select alumni groups or employers can get group discounts with certain insurance companies, but with Consumer United, anyone and everyone who signs up to be a member can enjoy these benefits. We're not elitists, we're just interested in helping those who need it the most to lower their cost of living."

Biedrzycki has experienced an enormous amount of growth since his beginning. The advocate call center has tripled in size. The scope of his job is constantly changing, which means there's never a dull moment at the office. Biedrzycki believes that everyone at Consumer United has contributed in creating a great atmosphere, and everyone is genuinely enthusiastic about the growing membership, one satisfied customer at a time.

How does Biedrzycki save money? He's real big on creating a budget, although he never used to be. "Once you take the time to map out all your expenses, you get a much better idea of how much 'disposable income' you have, and from there you can establish reasonable goals of putting some money aside or making a major purchase." He believes that one should live within one's means. Especially nowadays, there is an increased need to "trim the fat" and not make hasty or unnecessary purchases.

Biedrzycki grew up in New Hampshire, spending a considerable amount of time outdoors. He enjoys camping and hiking every chance he gets, in all seasons and weather conditions. When he's forced to remain indoors, he's a pretty big film/movie buff and enjoys live music whenever he can. Biedrzycki is an eagle scout as well. As soon as the office got wind of this, they immediately started calling him "Eagle,"a moniker that has now become permanent.

And his clients? "My clients can still call me Aaron though."

Wednesday, December 3, 2008

CU Advocate's Deals of the Day

SplendidLife.com: Sweet things come in small packages. Get your free Splenda samples here.

iPod: Apple iPod touch 16GB (2nd Generation) only $269.98

Hotels.com: $100 off with 12 night booking!

NeweggMall.com: Up to 70% off leather jackets

Autogeek.net: Stock up on car care products and get free ground shipping on orders of $500.00 or more

TurboTax.com: Get your refund in as little as 9 days when you E-file with TurboTax

Restaurant.com: Take 50% off dinner of the month club when you use the code JOY. Valid thru 12/4/08

Consumer United: Save 5% on Consumer United's affinity group discount with High Point Auto Insurance in New Jersey

New equipment provides heat and electricity

With winter right around the corner, many homeowners are looking for ways to lower their energy bills. At Boston's recent Greenbuild 2008 conference, the American Honda Motor Company unveiled an energy-efficient heat and power generator.

The machine can provide savings of up to $1000 when installed with a furnace system because it provides additional "free-watt" electricity.

The generator has been in existence for several years, but it did not arrive in the United States until 2007. Since it was introduced in Asia in 2003, however, Honda has sold more than 50,000 units.

"Across all markets in which we sell products, the Honda mission is to bring advanced, innovative and environmentally responsible products to our customers," Steve Bailey, vice president of power equipment forAmerican Honda, tells Green Building Elements."

Bailey continues: "The Honda MCHP systems fulfill this mission by helping homeowners save energy, reduce greenhouse gasses and save money ontheir home heating while enjoying the high level of comfort and performance they have come to expect."

By offering the combination of home or water heating and power generation during outages, the Micro-Sized Combined Heat and Powergenerator, or the MCHP, offers homeowners another resource to reduce their heating costs and make their homes more environmentally friendly.

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--Bridget O'Sullivan

Tuesday, December 2, 2008

CU Advocate's Deals of the Day

SmartStart.com: Free sample of Kellog's Smart Start cereal

Couponbar.com: Download the free CouponBar to get quick and easy access to dozens of name brand coupons

Restaurant.com: Save 60% on gift certificates! Take someone to lunch-$25 gift certificates for only $10

OnSale.com: Top selling HDTVs- as much as $960 instant rebate

Hotels.com: Save between $20 and $100 on all hotel bookings now!

eFaucets.com: Save up to 40% on brand names for your kitchen and bath

Consumer United: Sign up with our home security service provider, Brinks, and get free installation on Brinks Home Security standard system. This is a $199 savings off their standard offer. Please say you're a Consumer United member and reference the promo code CCP# 28621.

Monday, December 1, 2008

CU Advocate's Deals of the Day

Walmart.com: Free sample of Benefiber drink mix

Angie's List: Tired of lousy service? Try Angie’s List

NeweggMall.com:12" Chess set gold accent and removable trays $19.99 and free shipping

Peapod.com: Shop Peapod for $10 in FREE groceries

ShoppersChoice.com: Save up to 30% on Lodge cast iron cookware

AutoAnything.com: Save up to 47% off list prices and get free shipping on air filters

Consumer United: Sign up and save $500-$1000 off home mortgage closing costs