Debt, Credit Card & Consolidation Current News Digest

You know I love maps — economic maps, in particular. The last few ones I’ve featured here illustrated the U.S. unemployment rates and California’s unemployment rate history. I’ve also covered business cycles and historical financial charts in the past, so I thought it would be a good time to revisit the bigger picture on our economy in terms of the job situation, foreclosure rates and unemployment figures. Plus, let’s check out how all these numbers fit against what the government has done for our economy over the last few years via the effects of the stimulus bill. Has the massive stimulus package had any impact on our economy?

It’s easy to see how things are going, care of CNN.com’s Economy Tracker. Following are some of the visual guides or maps I’ve seen, illustrating the health of our economy from January 2007 all the way to the present. The maps are interactive (just the way I like it), so by using the sliders that are available in these trackers, you’ll see just how things have evolved over the last two years. Here are a few of the charts that track the economy, showing data as of February 2010 (click on the images below to expand them):

Check out how the economic numbers have changed over time. Do you see any indication here that we can expect any sort of improvement in our economic health in the near term? We can only hope.

As an aside, let me gripe about something I’m seeing here. As a Californian, I’ve noticed that a lot of the stimulus money was sent our way, but it seems like things haven’t really changed much. We’re still seeing bad unemployment numbers — among the worst in the nation. Is it no surprise that we’re in this financial quagmire when stuff like runaway vacation pay in the public sector is seen as part of our financial landscape? This is nuts; I can only wonder when our state will start getting its act together. Sucks to be a Silicon Valley mom with school-aged kids right about now…

Personal Financial Articles

Check out these great financial stopovers around the web:

• Wise Bread: How to Deal with Recession Anxiety
• BillShrink: Five Investments To Avoid For The Long Term
• Lazy Man and Money: How to Waste $55 in Washington D.C. (Hint: Take a Bus Tour)
• Frugal Dad: Stick With Stocks Or Pay Off The Mortgage?
• Million Dollar Journey: Transitioning Well from One Job to Another
• Monevator: Cash and Your Portfolio
• Studenomics: Should I Open a Bank Account Online?
• Online Investing AI Blog: More Savings Stats to Scare the Bejeezers Out of You
• Cash Money Life: Best of Money Carnival
• Canadian Finance Blog: I was pleased to be an Editor’s Pick at Festival Of Frugality #221 with my post about the cheapest people in our lives.
• Being Frugal: Carnival of Personal Finance
• Mighty Bargain Hunter: Carnival of Debt Reduction

Foreclosure Rates, Job Statistics & Unemployment Numbers (Interactive Maps)

For us residents in California, we’re used to seeing budget cuts applied to a lot of things. The financial crisis in California is particularly apparent when you see its effects on the public school system. Well, this article from my local paper just made me wince, because as you can see, the story describes just another example of how our government (this time, at the state level) has been handling its finances.

Well, here’s the latest expose and more fodder on the California budget crisis — apparently, government employees have made off with pretty huge paychecks here in California, simply by NOT taking vacation time. Their unused vacation time translates into big six figure payouts, with the top 25 checks reportedly ranging from $203,921 all the way to a dazzling $815,736. Wow. Imagine this — those state government positions can be a gold mine, with overtime paying off for a whole lot of people. Here is an image that portrays this predicament (Click this link or the image below for a larger picture.):

And here’s a breakdown of vacation pay amounts across California agencies:

Small wonder California is broke.

Want to Attend A Suze Orman Event?

On another note, I’d like to inform you about a personal finance event that’s coming to Club Nokia in downtown L.A. this Sunday, March 14. Suze Orman is slated to speak at this club at an event called “Waves of Inspiration: Women and Money”. The seminar will feature Suze and other ladies and personalities who will talk about personal finance, self-growth and empowerment. For the curious, TD Ameritrade is the sponsor for this event. If you end up attending, you’ll also receive a free annual all-access pass to Suze Orman’s “Save Yourself Retirement Program” (reg cost: $40). There’s also a planned Q & A at the end of the seminar.

You can purchase tickets from Ticketmaster.com, or if you’re interested in picking up a complimentary ticket, let me know (contact me here) — I may have a couple to give away (while it lasts). Here are the event details:

WHAT: Waves of Inspiration: Women and Money with Suze Orman
WHEN: March 14th, 2010 at 2PM
WHERE: Club Nokia, 800 West Olympic Blvd., Los Angeles, CA 90015

Have fun!

Great Personal Finance Articles

• Wise Bread: Worried About Debt? Tips On Managing Your Loans
• Studenomics: Why Parent’s Shouldn’t Pay For Their Kids’ College Education
• Free Money Finance: Top Personal Finance Experts
• Lazy Man And Money: Build Your Financial Home Brick By Boring Brick
• Frugal Dad: Implementing PAYGO Rules For Personal Finances
• Million Dollar Journey: Canadian Income Tax Deadline
• Mighty Bargain Hunter: Would you out a friend’s spending patterns on Facebook?
• Miss Thrifty: The Festival of Frugality
• Simply Forties: Carnival of Personal Finance
• Don’t Mess With Taxes: Carnival of Taxes
• FIRE Finance: The Festival of Frugality

Vacation Pay for Unused Vacation Time? Plus A Suze Orman Event

Medford police halt freeway spree with stolen credit cards Mail Tribune Tipped off by alert clerks at Medford grocery stores, police here arrested three Oakland, Calif., men suspected of traveling the Interstate 5 corridor … and more »

This post is from new staff writer Sierra Black. Sierra writes about frugality, sustainable living, and getting her kids to eat kale at Childwild.com.

The recession has hit families where they live. For many, it’s forced a change of address. Think about all those foreclosed homes and urban deserts: One in every 400 homes received a foreclosure notice last year. Unemployment is approaching 10%. Some families no longer have a place to call home at all.

That’s the situation for Jamie Alden (not her real name), a single mom of four kids who found herself caught up in a series of recession nightmares that have left her homeless and jobless, but not hopeless. She’s chronicling her adventures on The Boxcar Kids, where she writes with painful frankness about trying to find a job, help her kids thrive at school and keep her family together while living in a small travel trailer with her children.

The Boxcar Kids
Alden is a far cry from the stereotypical homeless person. A professional with a master’s degree in anthropology, Alden had a career for over a decade in environmental science. She relocated to California after a doctor recommended the warmer, drier climate would help one of her children, who has a chronic illness.

Like a lot of relocating families, Alden accepted a job in her new city before she’d sold her house. So she rented it out, and rented a place near her new job.

Then the economy tanked. Her renters defaulted, and she used most of her savings going through expensive legal ordeals to evict them. She was left with a damaged home that she could not find new tenants for. Unable to make the mortgage payments and pay rent on her new home, she lost the house to foreclosure.

Meanwhile, her company started layoffs. “California has a little budget problem,” she says sardonically. “We couldn’t work on any of our contracts.” She survived the first two rounds, but eventually her lack of seniority put her under the axe. As soon as he found out she’d lost her job, her landlord asked her to move out. “He knew I wouldn’t be able to pay the rent,” she says.

Throughout the summer, Alden and her kids found themselves living in state parks in second-hand tents. She used free hotel stays she’d accumulated over years of business travel to buy them an occasional night of warm beds and hot showers.

Now they have a 26-foot RV they call home. The school district considers them homeless, but Alden doesn’t. Homeless, she says, was when they lived in a tent and had to move every week. This is comparative luxury.

Alden named her blog after a series of popular early 20th century children’s books about four kids who live a scrappy, happy life in a boxcar after their parents die, until they are rescued by a kindly, rich grandparent. There’s no rich grandparent to rescue Alden and her kids from their boxcar. Instead, Alden is learning to navigate a maze of social services and getting creative about frugality in ways most of us have never considered.

She’s not alone. Many formerly middle-class families have found themselves at least temporarily without a home to call their own. Foreclosures were filed against 2.8 million properties in 2009, while apartment vacancies are also at a 30-year high water mark. A lot of people are just not living in houses these days.

Where are they going? Many are staying with family or friends. Some are in shelters. Others are what Alden calls “alternatively housed” in RVs, camper vans, anything with a roof.

The best defense is a good offense
Alden’s story, and the many others like it are a scary wake-up call for me. My own family is not so far from the precipice these folks fell off of.

We own a home, but don’t have a lot of equity in it. We have a small emergency fund, but not enough to get us through even one month of normal living expenses. I’ve been putting all our money into debt repayment, not building up capital. We have some retirement funds that are still pretty hung over from the financial collapse in 2008.

In other words, we’re a lot like many middle-class families: comfortable enough day-to-day, but not secure enough to withstand a major disaster. Time to make an emergency plan: Not just an emergency fund, but a plan that goes beyond bank accounts. Here’s what I came up with:

• Be prepared.This means building up more of an emergency fund. Experts argue over how many months expenses you should put by, but no one seems to think less than 3 months is safe.
• Be frugal. Living simply now means having fewer adjustments to make in the event of a financial catastrophe. Not only can you pay off debts and build up savings faster, but you’re already living below your means. If the means suddenly shrink, you have a smaller gap to cover to make ends meet.
• Be organized. Know your net worth, and keep tabs on all your accounts. When we were moving last year, I discovered a stock fund I’d forgotten I had. Those forgotten assets matter if your income dries out.
• Protect your credit. Keep credit accounts open and in good standing. In general, running up credit card bills is Bad Plan Theater. If your plastic is what’s standing between you and homelessness, reconsider your position. If you expect to be able to resolve your financial crisis within six months, charging some expenses might be a better plan than tapping retirement accounts.
• Know your options. Do you have friends and family you could stay with in a housing crisis? Another career you could transition into if you had to? Valuable Stuff you could sell?
• Be ready to learn. If you find yourself in a financial crisis, you’ll be running a maze of social services at a time when you’re likely to be exhausted and stressed. Being on top of the organizational and financial strategies I mentioned above will not only make you less likely to need these services, it’ll make you better prepared if you do.

If you’re partnered, it’s probably a good idea to talk over a family disaster plan with your better half. You know, before you’re living in an actual disaster. These conversations always go better when they’re hypothetical.

Making an emergency plan was a bit like making a will; we had to think about what would happen to our kids, our stuff and our estate should we suddenly be unable to care for it. It was no fun, I hope to never need it, but I’m glad to have done it. For more tips on emergency planning, check out Philip Brewer’s article on Wise Bread.

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Related Articles at Get Rich Slowly:

• Healthy Food on an Unhealthy Budget
• links for 2007-05-11
• Could You Eat Healthfully on One Dollar a Day?
• A Treatise of True Things About Whole Foods Market
• Fighting Food-Budget Killers

This post is from GRS staff writer April Dykman.

For many people, mindful consumerism starts with questioning the desire to buy Stuff. The reason might be to save money or avoid clutter — maybe both. It’s the first part of a journey to differentiate needs from wants and make mindful decisions about where to spend our hard-earned money.

But at some point, most of us will consume. We’ll buy food or clothing or household items. We’ll need to replace something, fix something, or upgrade something. When we make these purchases, we’re playing a role in a process. Much goes into creating a product and getting it on the shelf, though as a consumer, we don’t see that process. We don’t know if the companies involved in bringing it to us have decent working conditions for employees, pollute water systems, or include additives that pose health risks to our families.

Daniel Goleman, author of Ecological Intelligence: The Hidden Impacts of What We Buy, wrote about considering the global effects of our purchases in his essay, Making the Right Choice:

An organic cotton t-shirt may be called “green” because they didn’t use pesticides or chemical fertilizers when growing the cotton. That’s on the good side of the ledger, to be sure, but if we look into the life cycle of the t-shirt, we discover that organic cotton fibers are shorter than other fibers, so you need to grow a lot more cotton per t-shirt. Cotton is typically raised in arid parts of the world, and it’s a very thirsty crop, so a lot of water is implicated in the production of the t-shirt.

Also, if it’s a colored t-shirt, we have to take into account that textile dyes tend to be carcinogenic. When we consider all these angles, we may come to see that if you change one thing about a product and leave 999 unchanged, it’s not green.

It’s enough to make the average consumer’s head spin. Most people would like to make informed choices and reward companies whose processes make us feel good, but doing this in practice is daunting. If a busy parent is in the grocery store with two children to wrangle, it’s not feasible for that person to stop and trace the life cycles of Cheesy Poufs versus Cheddar Puffs. People can’t be expected to spend hours on the web researching the health, societal, and environmental effects of every purchase. Not gonna happen.

Technology provides the tools
Luckily, it’s getting easier to know what’s behind a brand. Skin Deep and GoodGuide are two web databases that provide the backstory on the Stuff we buy.

• Skin Deep is a safety guide to cosmetics and personal care products researched by the Environmental Working Group. You can search by product, ingredient, or company, and the site will return a hazard rating with the product broken down by ingredients.
• GoodGuide is a database of more than 70,000 food, toys, personal care, and household products that rates the products and companies based on the effects they have so that users can make informed decisions based on what is important to them.

For example, GoodGuide provides information about Quaker Quick Oats, which it rates a 7.3 overall (out of 10), and Nature’s Path Organic Instant Hot Oatmeal, which is rated 6.7. We might assume that the organic brand would be healthier, but in fact it’s higher in sugar than similar products. When it comes to environmental effects, Quaker Quick Oats scores lower for water and energy management. Users can delve deeper into how these ratings are determined by clicking on See All Data.

The brainchild of Dara O’Rourke, a professor at University of California-Berkeley, GoodGuide was developed with experts from Harvard and MIT, with tech input from talent at Google, eBay, Amazon, and Intuit. And the tech part is what makes GoodGuide great. The database is available as an iPhone, iPod Touch, and iPad app that allows users to scan barcodes and compare products. Users also can create personalized shopping lists and lists of products to avoid, making it easier shop mindfully when you’re on the go.

Start small
If you’re interested learning more about where your Stuff comes from, make a few changes and build from there. Don’t feel like you have to throw out all of the “bad” Stuff you own and replace it with the “good” Stuff. To start, pick one product you’re curious about, and see if it’s listed on Good Guide or Skin Deep. How does it score? Is there a better alternative that will still meet your needs? Often the better-rated product also is the less expensive, which is a great bonus. In fact, I’ve slowly replaced my skin-care products with cheaper products that also rate better when it comes to health and societal effects. Sometimes the expensive products packaged in “green”-looking bottles rate surprising low.

I’m interested to know what you think about databases like Skin Deep and GoodGuide. Have you ever wondered how some of the products you buy get to the shelf? Would you use tools like these to learn more about the effects of the Stuff you buy?

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Related Articles at Get Rich Slowly:

• Obsessive Consumption
• Word2Word: Free Online Language Tools
• links for 2007-04-16
• Use a No-Spend Month to Become Mindful of Money
• links for 2006-11-21

Reform won't eliminate risky loans, credit cards Salt Lake Tribune AP Manuel Villalobos, a former loan agent, checks for credit card bills along past due medical bills sits at his home in Pacoima, Calif. … and more »

This week was another busy week for news pertaining to home loan refinancing, with some contradictory evidence coming out. Two headlines dominated the refinance news marketplace:

1. Mortgage Delinquencies Set Another World Record?

Anyone who is looking to refinance a home loan is rightfully concerned about the continuing foreclosure problems that have been plaguing the nation. This week, disappointing news came out showing that 6.89 percent of all U.S. mortgages were delinquent by 60 days or more in the 4th quarter of 2009.

Why is this number troublesome not only for the individual homeowners unable to pay their mortgage, but also anyone looking to refinance? Simple: because the more foreclosures that happen, the lower that home prices fall. And the lower that home prices fall, the harder it is to refinance.

This problem is still worst in four states: Nevada, Florida, California, and Arizona. In Nevada, for example, fully 16.2 percent of mortgages were delinquent in the 4th quarter of 2009.

2. Fewer People Falling Behind on Their Home Loans?

Just a few days after the above headline hit, another headline hit–and offered seemingly completely contradictory data showing that mortgage delinquencies are actually declining. According to the Mortgage Bankers Association, 3.6 percent of all homeowners fell behind on mortgage payments in the 4th quarter of 2009, while 3.8 pecent fell behind in the 3rd quarter of 2009.

Although at first glance these two bits of refinance news appear as total opposites, they are in reality not. The key to understanding what’s going on is that fewer people are falling behind, but the number of people who have already fallen behind in a serious way is higher than ever.

That is, fewer people are going into default on their mortgage, but more people are in default.

So, What’s the Deal With Home Prices?

For homewoners looking to refinance, this is quite the conundrum. On the one hand, it seems like the media is adding fuel to the fire of lower home prices by reporting dire foreclosure statistics. On the other hand, people may be seeing a “silver lining” where there is none to really speak of.

For instance, with so many homeowners not paying their mortgages, banks are wary of flooding the market with low-priced bank-repossessed homes. If home values fall further, banks could lose out as more homewoners cannot refinance and decide to just walk away from their home and their mortgage.

Without a doubt, both homeowners and banks are watching the news, waiting for the home price picture to come clear, hoping that home prices recover enough for a refinance to become possible.

This guest post from Rich is part of a new feature here at Get Rich Slowly. Every Sunday will include a reader story (in the new “reader stories” category). Some will be general “how I did X” stories, and others will be examples of how a GRS reader achieved financial success. Today’s is a romantic story of saving money on insurance. (Okay, no romance. That’s just a joke.)

As a long-time reader of Get Rich Slowly, I have really appreciated the tips J.D., guest writers, and regular readers in comments have shared with me over the years. Now it’s my turn to pay it forward.

About a year ago, I was laid off in Minnesota, right before Christmas. Oh no! Fortunately I was able to find a new job quickly, but it was out in San Francisco. What to do with the home we owned in Minnesota? We decided to rent it out, and we were also very fortunate to find good tenants very quickly.

However, as a newbie landlord I was quite surprised to find that homeowners insurance on your primary residence is quite different than insurance on a home you rent out. We went from $1,500 a year insurance premium (while living in the home) to $3,100 annual premium. Not being a savvy landlord, I sucked it up and thought “Well, hey, at least I’m employed, and I got the house rented, so be grateful.” And I was.

This year, my insurance company informed me the annual premium on my rental property would be going up to $3,650. Wow! I finally decided to shop around, and I’m really glad I did. I simply googled “landlord insurance” and easily found websites where I could type in my information (securely) and get a number of quotes. Different insurers seem to calculate premiums very differently from each other! Quotes ranged from around $1,350 to $2,000 for the exact same property, but nothing near the $3,650 my current insurer wanted.

In the end, I switched to an insurance provider that quoted me $1,345, saving me $2,305 on my rental property each year! While I was at it, I asked this same insurance provider to give me an auto quote. With my previous insurer, I had been paying $1,811 for two cars in northern California. With the new insurer, it came to $1,277. That’s another savings of $534 on annual auto insurance premiums. If you’re keeping track, that’s $2,839 in annual savings on my insurance needs.

My point isn’t that only people with rental properties should look into their insurance costs. My point is that everyone should look into their insurance costs. Just like calling up the cable company and negotiating a discount off your monthly bill (which I recently did, saving $35/month), for a few hours of investment, you too can get new quotes on your insurance needs and save hundreds, possibly thousands a year as I have done. It’s really very easy.

What am I going to do with this extra $2,839 this year, you ask? Sock it away in my short-term savings account, like every good GRS reader! Later in the year it could go toward my annual IRA contribution, or the 529 college fund for my teenager, or just sit around as a bit of extra financial cushion for the unexpected.

I’d love to hear other stories of readers saving a boatload on their insurance by shopping around a bit!

Reminder: This is a story from one of your fellow readers. Please be nice. After nearly a decade of blogging, I have a thick skin, but it can be scary to put your story out in public for the first time. Remember that this guest author isn’t a professional writer, and is just learning about money like you are.

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Related Articles at Get Rich Slowly:

• Insurance
• Use Your Grocery Receipt as a Cue to Save
• More Cheap Travel: Where the Hell is Matt?
• Reader Story: Two Approaches to Car-Buying
• How to Drive a Great End-of-Summer New Car Deal

Obviously one sector of the economy that has really taken a nose-dive is the housing market. Many homeowners find themselves in the position of owing more on their mortgage than their home is worth, perhaps even with an adjustable rate mortgage that is troublesome to refinance.

Beyond the impact on individuals, entire companies have seen their values plummet. Housing stocks such as Lennar and DR Horton have been hammered as investors rushed to short the housing market.

All throughout 2009, news stories like this one about slower homebuilding in California have peen popping weekly and monthly. The mood has been dire in as many ways as possible.

One positive sign, for borrowers looking to refinance a mortgage, is that homebuilders seem finally to have accepted that building more and more homes, without buyers to buy them, is counterproductive to everyone’s interests. Yes, people lose jobs, but homebuilders are also forced to build creatively.

The main benefit as far as refinancing is concerned, when builders stop building so much, is that the integrity of the market is maintained. There should not 25 emtpy homes in your neighborhood, as Detroit and certain parts of California have been experiencing.

With less homes on the market, homes become more valuable, especially if the neighborhood is generally well cared for. That’s the law of supply and demand.

And in this case, it could benefit hopeful homeowners quite considerably.

Homeowners seeking to refinance will definitely want to look at the matter from the buyer’s perspective, because the refinance yes or no decision made by the bank certainly will be. That is to say, the bank will base their lending decision heavily upon the fact of what your home would sell for on the open market.

If your home doesn’t hit those requirements, that refinance is going to be hard to close.

Be happy, then, when there are less homes being built, at least for the time being. If there is one part of America that seems alive and well, it’s the dream of the young married couple to own their own home. This bodes positive for the long-term health of the housing market.

Looking to save your home from foreclosure by refinancing? Click here to find a lender that does that.

I had a reader approach me with this guest post. Ken Brownstein is a college student who enjoys visiting personal finance blogs. I am honored to have a reader offer me their thoughts on saving! Following are some of Ken’s frugal tips about shopping for eyewear.

I am probably like you. I read personal finance blogs, and am constantly searching for frugal tips, looking for ways that I can improve my personal finances. I’m always on the lookout for ways to save more money for myself and for my family. One of the main points I have taken from reading personal finance blogs is that the best way to begin saving money is not by cutting back on small items, but by cutting back on your large costs. One of the larger expenses I have is from eating out, so I personally control that by dining out less; but money is still tight for me as I am trying to help out my mother with her finances. At the end of the day, I’m hoping to grow my savings in a high interest savings account — a goal I’m striving to achieve this year.

Recently I had another big win and was able to cut back on a large expense of mine. It began last month, when I went to the eye doctor and learned that I needed a higher prescription, and therefore, new glasses. A new pair of eyeglasses can easily cost me $300.

This was hard for me at the time. That night though, I thought about how I buy so many items online and I asked myself, why hadn’t I looked at purchasing glasses online?

That’s when the light went off in my head; here was another large cost that I could reduce! So allow me to share with you how I went about buying my glasses off the web, for a price much cheaper than I would have gotten through my doctor.

How To Buy Cheap Eyeglasses Online

I did some research online and discovered that I could buy the exact same pair of eyeglasses online for less than half the price of glasses I had been checking out in malls and stores. In fact, according to the New York Times, an eyeglasses frame that costs less than $25 to make in Italy can retail for at least $150 at an optical shop in the United States.

I couldn’t believe it.

Here’s what The New York Times tells us:

“If ever there was a market ripe for the intervention of the Internet (which allowed consumers to find discounts on best-selling novels, digital cameras or Hawaiian vacations), eyeglasses would be it.”

Honestly, when I began looking online, I was pretty nervous. I didn’t know if I needed a doctor’s permission or verification to be able to pick up glasses this way, or if the quality of the lenses was going to be high. After searching online though, I realized that there was a lot of information out there; in fact, I was surprised that I hadn’t heard about purchasing glasses online much earlier. There is actually a really well read blog, GlassyEyes, that is dedicated solely to helping users shop for glasses on the Internet.

From reading about this on the web, I found out that you can get a current prescription from a licensed optometrist or ophthalmologist by finding out your “Pupil Distance measurement”. I called my eye doctor for this and the next day I ordered the glasses off the web. The glasses came after 2 business days, and they are exactly like my current specs; I am actually pretty satisfied with the quality.

Looking back, I see that purchasing glasses online was not only able to lower my costs, but it has also become quite convenient for me. I now buy my contacts online as well. In case you didn’t know, you can also buy contact lenses online for a significant discount. The most popular website is 1800contacts.com, but there are other websites as well. I estimate that I pay approximately half the amount for my contacts online that I used to buy at my eye doctors’. For those of you who enjoy the sun, particularly in California, you can also purchase sunglasses on the Internet. Now I cannot believe that last summer, I spent over $200 on a pair of Ray Ban sunglasses at the Sunglass Hut!

I hope this information has helped those of you who are looking for ways to lower costs. As I mentioned earlier, I believe that the best piece of advice I have read on personal finance is to always look for those big wins. That is where you are going to see the most benefit.

Where To Buy Cheap Eyewear

If you are interested in purchasing eyewear online, here is a list of websites and resources I use for shopping for glasses, and where I’ve been able to get helpful information:

How To Buy Cheap Eyeglasses Online

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