Today Google Voice has been made publicly available to anyone. I have just been using Google Voice for about one month with my landline, thanks to my IT friend’s invitation into the program. It has been terrific.

Here are some of the highlights in my trials:
1. It will ring ALL of your (mobile) phone numbers if you list them out. This means that you could use the Google Phone number as the main permanent contact phone number for family & friends, and you could change your mobile plans/phone numbers in whatever ways you want, and it won’t change even after you move out of the area. And Google Voice will further block any spam callings & mobile texting messages automatically.

2. It will TRANSCRIBE any voicemail messages into text. That accuracy of the transcription is simply amazing. I tested it a little bit, and it’s 100% accurate so far. Creative usage of this would be that you could use it yourself for any typing needs for blogging, writings, etc.

3. Obviously not many people write these days, but because the messages are transcribed, it becomes a searchable database, which Google excels in doing. If you receive many voicemails for your business, this will be an excellent way of handling your high volume of voicemail messages (although I’m not sure if business are allowed for using Google Voice).

4. The best of all you get everything for free, AND a free US-registered phone number. I know many of those “free-for-ever” IP phone services (like Ooma), which still require you to pay $5 to $10 every year for a valid US phone number registration (to government I believe). Guess what! Insanely profitable Google pays that for you, and you get to pick your own phone number!

5. Free conference calling capability which you don’t need to pay extra.

6. Google intended the Google Voice for mobile phones (and by the way, it doesn’t work with prepaid T-mobile phones). However, you can use it for landline too. I have been using my Google Voice number to dial around from my landline phone for FREE US domestic calls, and very competitive international calls. Calling quality is most of the time BETTER than any IP phones that you can get (Yeah, I tried and quited on Ooma already). Here is the detailed dialing instructions which you need to follow exactly once you get your Google Voice phone number:

• You MUST set up your voice mail password from your Google Voice account http://www.google.com/voice/ (after you log into your gmail obviously).
• Dial your Google Voice number (from your landline) which hopefully is a free local call if you have chosen your number wisely.
• Don’t let it ring any of your phones, and then you can press * (star) to enter into your voice mail. Punch in your voice mail password.
• Voila! You can press 2 to dial out, possibly after listening to or skipping all of your recorded messages.

Get your free & favorite phone number before they get taken now at www.google.com/voice!

I just received this email from Bing cashback program:

Dear valued cashback customer:

We are writing to notify you that the Bing cashback program will be discontinued, and the last day to earn cash back on your Bing Shopping purchases will be July 30, 2010.

Until July 30, 2010 9:00 pm PST, it’s business as usual so continue to take advantage of great offers from your favorite merchants. You can redeem all of your earned cashback savings consistent with the cashback terms and conditions and access the Bing cashback customer support system through July 30, 2011. We encourage you to redeem your cashback savings and to further support redemption, we are waiving the $5 minimum payout effective July 31, 2010….

It’s a pity to see it goes. I guess good things just don’t last forever. I have definitely enjoyed the total savings of $29 cashback on already discounted online goodies that I was able to find.

Make sure you redeem your remaining cashback in your own account before the end of July.

For those who are not aware of eye-fi, it’s an SD memory card that has built-in wi-fi, allowing automatic uploads of your photos to your PC & designated websites. I have held off buying eye-fi for the longest time since this great product first came out. Finally I yielded to my necessity of just saving 15 to 20 minutes per picture download. What I was doing for all of my pictures were simply not working. I kept buying another cheap 4GB or 8GB SD memory card when it got full (after some 1000 or 2000 pictures at 4MB per photo). But my pictures stay on SD card “forever”.

Right now you can get 4GB Eye-Fi for $44.99 – 7% off via Bing Cashback + local taxes or about $41.85 + local taxes, assuming you choose store pickup option at OfficeDepot.com (2nd link in the Bing search result). The smallest eye-fi is 2GB and it costs about $40 also. So this 4GB is a pretty good deal. I never really love anything from Microsoft, except its Bing cashback. Anything that I buy online now, I always search it through Bing cashback first, and see if I could shave off additional 5% to 10% on an already cheap price.

This price is only valid until May 1st, 2010. There is a temporary price reduction of $5, which is not even reflected in Bing search. If you want to get your hands on this, act now. But do make sure that you check the camera compatibility list at eye-fi site, so that you don’t run into any problems.

This is the first time that I’ve ever tried to “bust the door” for black Friday sale. I went to Toys R us to get legos for my kids. The sale started at midnight, and I was 30 minutes late since I was going through global stock market news due to Dubai debt panic. Stocks are down 3% to 6% around the globe, and US will open with hefty losses too. Gold has already sold off in Asia by $50.

Anyway. At 12:35am, I arrived at ToysRus, and parked my car at a really far away location since the entire parking lot was basically full. Starting from the door, I kept walking to get to the end of line. It took me about 5 to 10 minutes of walking to get to the end of line, which is about 500 feet away. The store itself was full of people already, as I could see thru the window, and there are probably some 200 people outside waiting to just get into the store. I asked the person who was at the end of line, and confirmed that the line was indeed for Toys R us. Man, I couldn’t help but laughed. This is just crazy! Thirty minutes after the sale begun, and I probably won’t get into the store for another 40 minutes.

Realizing that the lego items that was on sale was most likely sold out already, I decided to go home instead. As I drove away from the full parking lot which was designed & allocated for 3 other big chain stores like Toys R us, I also noticed that all other stores are still closed. Boy, all the cars there were mostly for Toys R us, except for a few early campers at other stores.

I’m not sure where the recession is. Looks like the Thanksgiving & Christmas sales may not be too bad. If you want to look for bargains, you will have to find a way to beat others to store. I think I’m going to try online. Bing search engine is providing cashback for various stores. At Walmart.com thru Bing, you can get 15% off. Maybe that’s an easier way to get to your bargains.

Happy Thanksgiving.

I have noticed that Ameriprise, the auto insurance company thru Costco has been raising its price. I just have recently changed to GEICO, because when calling their sales agent, he was willing to not only match the prices from Ameriprise, but also lower the price by a little bit more.

A solid proof again that NOT everything at Costco is cheaper.

After my previous minor car accident, which cost GEICO about $500, they still did NOT raise my price as promised by their customer representative. I’m amazed, and a little guilty, since this is the first time ever that I take money out of the insurance system. GEICO was extremely unlucky in the sense that I have never had an auto claim in my life so far, which is about some 20-year driving history. For all of their great customer experiences, and my “under-water” account (a negative $130 return for the first six months), I’m giving them a thumb-up.

I’m 95% sure that you cannot beat this deal from all major insurance companies. I only pay for $370 every 6 months for two cars having

$100K/$300K body injury liability,
$100K property liability,
$1000 deductible for comprehensive on both cars
rejecting uninsured/under-insured motorists coverage
and $1000 deductible for collision coverage only on my 2-year old Honda Odyssey. My other car is a 10 year old Toyota Camry.

I believe GEICO is quite aggressive in acquiring new customers. So you should be able to negotiate with the sales agent for a little better price if you call them up.

Not sure if any of you catch this story from NPR (national public radio). A homeless person gave $400,000 to NPR, and several other nonprofit organization.

Richard Leroy Walters was a retired engineer from AlliedSignal Corp, but who gave up all the materialism of this world, and what could be afforded to him. Didn’t have a car (but a bike), nor a home, but looks like he did own several stock-related investment, trading over the phone at the senior center. He was an “avowed atheist” but converted to Catholicism on his deathbed. It’s amazing that someone who owned so much, and yet didn’t take any enjoyment of any materialism, while mostly remained atheistic in that process. I have always thought that if someone is atheistic, he or she must take comfort in material things. I guess there are different higher souls.

There are some readers’ comments in NPR website, a few criticizing Walters using resources for homeless people. I must say that after all, Walters gave more than he had received (whether it was given before or after his death). For many, we don’t remember that whether we own a lot of money or owe a lot of debt, when it comes to living in this world, we are consuming resources and relying on others constantly. Our debt to this world is our consumption, whether we pay it fully or not. What would be better served besides paying in full with our hard-earned money is a grateful attitude towards everything that we received.

My wife is currently on vacation with my kids, and these days, I just cook my own simple meals, and bag my own lunchbox: rice plus tofu most of the time. I barely spend any money besides gasoline. I’m perfectly content without many unnecessary stuffs. When I wash the uncooked rice, I am always reminded a Chinese saying: “every grain of rice doesn’t come easy but with sweats of the farmers”. That was of course from the ancient days when many farming was not done through modern day machinery. Regardless, I’m grateful for the abundance of food that I can eat, for there are still too many hungry people in the world.

Oh, yeah, one of my few consumption besides meals is that I did buy a new book from local bookstore, knowingly over-paying $10 for it relative to Amazon.com. Since I frequent that bookstore, I hope that extra $10 goes to their pocket so that they won’t go out of business one day.

I admire what Richard Leroy Walters did. For his gifts, the world was made better.

Labor day weekend is here. Are you travelling less due to the higher gas prices?

I used not to think about the cost of gasoline. But nowadays, I am a lot more conscious about where I travel. Indeed, I find myself travelling shorter distances to everywhere. It just makes more dollar sense. I’m increasingly opting for local restaurants than places far away, and same for travel destinations. More and more people are doing staycation (staying at home), rather than vacation.

What are some good and cheap alternatives for not travelling? Probably renting DVDs to catch up the movies that you missed is one of the cheapest way to spend your hours. The next on the list would be going to a movie. Or simply have a good barbecue or picnic with friends is good. Dining out at a more expensive restaurant that you don’t usually go to is pretty cheap, relative to the cost of a long travel. Hiking or biking in a nearby regional park is pretty good too if you haven’t done it for awhile. Probably the single most important thing about vacation is simply having a relaxed mind-set.

Anyway, I will see you all next Tuesday. I need this break, since I have been just too busy working day and night for almost last month already.

I have always thought that Honda has pretty good mpg. But I’m getting about 16 mpg combined on city/highway on my Honda Odyssey. That is quite different from the statements on invoice: 18 in city, and 25 on highway. That just seems awfully low.

I have always driven Toyota, and this is my first Honda car. My mpg experiences with Toyota is much better. The actual mpg comes out to be so much closer to the invoice sticker. My next car will definitely go back to Toyota.

That brings my attention to Toyota’s Prius. According to a UK AutoExpress report, the next Prius will offer 94 mpg!! That is double of the current 45 mpg. At 94 mpg, even if it costs $10 a gallon, you will only spend 11 cents every mile. That is CHEAP. Okay, even at 45 mpg, it is 3 times better than my Odyssey. At $5 a gallon, the difference between 45 mpg and 15 mpg for 7500 miles is about $1700 every year. In 3 years, you can save $5K on gas, and in 6 years, you can save $10K on gas. That’s about 40% to 50% of the cost of a car.

It’s slightly harder to justify between a 25 mpg on my camry and 45 mpg on a Prius, when you have made your investment in the car already. But if Prius does come out with 94 mpg, I’m just going to grab one if I can, and dump my old car. Unfortunately, I think the waiting list will be really long, given a high gasoline price and long commute distance in California.

I recently got a MP3 player, which I’m using mainly for voice recorder rather than the music player.

I wanted to use the voice recording function in my Samsung cell phone, even though fully featured, but less well-deisigned than Nokia’s phone. Using Samsung’s phone, I can’t voice record a new message without navigating thru menu items and rename the previously created voice file.

Since a simple voice recording function is important to me, I decided to get a dedicated MP3 player/voice recorder. After lots of shopping around, I finally found this MP3 player from Nextar. You can use it also to listen to FM radio. And the 2GB version is only $15 from tribeca tech solutions. The shipping was $7 for one or two MP3 players. The similar model but only 1GB sells for $25 at Walmart.

I think one of the frequent problems that people have with MP3 player is that the rechargeable battery eventually goes dead sooner or later. This model MA566-200 uses an AAA battery. You end up with a more bulky case to enclose it, but at least your unit should never runs out of batteries (even though the battery life is only 12 hours of playing music). In any case, you can choose to use rechargeable AAA battery, so that you don’t need to buy a special $20 rechargeable NiMH battery for a $15 MP3 player.

Anyway. I’m glad that I’ve got this. I almost always have a million things to do, such that I often forget about what I needed to do. With my new voice recorder, I can simply carry it around for recording without the earphones, but only going over my list of things-to-do at office or at home.

I just heard this from my friend. There is a 10% discount (or bonus rather) on any gift cards purchased at the store.

This news has been out there for awhile, because this deal last from May 2nd through July 31st. But being late better than never. The maximum amount of gift card for 10% bonus is $1200 per household. I believe Ralphs stores are only present in Southern California because I can’t seem to locate a store outside of that area. In any case, IF you can find a Ralphs store, 10% is a lot of savings. And if you have one of those HSBC credit card, you get 5% extra savings thru cash rebate on top of that.

And if ever you cannot spend $1200 worth of grocery, you can always purchase the gift cards for other stores at Ralphs (I believe), so that you don’t have $1200 sitting in the bank for Ralphs.