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Subprime Meltdown: The Big, Big List Of Subprime Mortgage Layoffs And Closures
The Truth About Mortgage has been compiling a list of mortgage lending layoffs and closures since the end of February and the effect is staggering. The list, last updated today, now has over 250 entries. Anyone looking for a quick and easy way to freak out about the mortgage market need look no further than this list.A List of Recent Mortgage Closures, Mergers and Layoffs [Truth About Mortgage](Photo:Spidra Webster)

Videos: When Travelling Internationally, Pop Out The iPhone SIM Card To Check Email Without Huge Roaming Charges
By using a paperclip to pop out the SIM card, reader John can check his email on his iPhone while traveling internationally without racking up ridiculous roaming/data transfer charges, as shown in this video he made us. The result is basically a WiFi enabled PDA / iPod.A handy tip that could've saved a couple people a few thousand dollars *cough* And This Is Your $4190.76 iPhone Bill *cough* iPhone/AT&T $3,000 International Roaming Bill Serves As Cruel Warning.

Consumer Action: 9 Reasons To Ban Mandatory Binding Arbitration
Mandatory binding arbitration is great for businesses to use in dealing with one another, but it sucks for consumers. Here's 9 ways you get screwed in arbitration land, courtesy of the National Association Of Consumer Advocates...High cost: You have to pay a bunch of money, usually at lest $750, just to start a claim.Biased Arbitrators: Companies are the only repeat customers of arbitration firms so guess who the arbitrators usually find in favor of?Limited discovery: Good luck getting the necessary evidence in the room.Prohibition of class actions: Arbitration clauses routinely don't allow you to participate in a class action lawsuit, "only effective remedy for wide-scale scams that rip off individual consumers or farmers in small amounts."Inconvenient locations: Gas dollars rack up as you trek to their out-of-the way offices.One-way requirements: The company still gets to sue in a real court if it wants, you however have to go through arbitration monkey court.No public record:...

Subprime Meltdown: Ameriquest Is Dead
Ameriquest, the lender the epitomized everything that was f*cked up about the subprime mortgage meltdown, is dead. The lender stopped taking loan applications Aug 1st and its assets (including $45 billion of loans) were sold to Citigroup late last month. Last year Ameriquest agreed to pay $325 million in a multistate class-action settlement over claims of deceptive lending practices which included failing to disclose that the loans had adjustable rates, failing to disclose the terms of the loan, refinancing homeowners into inappropriate loans, inflating home appraisals, and charging excessive fees such as prepayment penalties and loan origination fees. Ameriquest did not admit wrongdoing.Earlier this year a number of former Ameriquest mortgage brokers spoke to NPR, detailing the steady diet of corruption that led to Ameriquest's downfall. Commonplace tactics included "sending papers to the Art Department," a term that was code for forging w2s in order to qualify consumers for...

The Art Of Negotiation: Just Asking Politely Sometimes Does The Trick
Reader Tim tried to pay for his Subway meal with a debit card today but was foiled by a technical snafu with the card reader. He didn't have cash on him, but there was an ATM machine in the store, so he withdrew the funds and paid the old-fashioned way. The trouble was, he was now stuck with a $2 ATM fee for a $12 purchase.He decided it was worth at least asking if the store would reimburse him the fee. "I asked the manager if she would give me $2 off my total.She did more than that, rounding the price down to $10 from about $12.60."As Tim points out, "It never hurts to ask for a discount if you were inconvenienced during a transaction. You usually want to talk to the manager... [and] remember that this person is doing you a favor, so be polite."(Photo: Getty)

Success Stories: "It's Policy" Were Fighting Words For Screwed Utility Customer
This success story on utility watchdog TURN's site illustrates the power of developing an effective argument strategy before calling customer service. In this case, when a customer called in to get a name change on her account, Pacific Gas & Electric (PG&E) changed her rate plan to a more expensive one without telling her. A rep later told her that it's "policy" to revert the account to the pricier, basic, rate any time an account change is made. By sticking to these three points...1) PG&E should have disclosed their policy clearly to her before making the change on her account. By not disclosing their policy to her, they took away the choice she and all customers are entitled to.2) Clearly state the specific resolution you are seeking. In this case, the resolution needed was for PG&E to put her back on E-6 rates and adjust her previous bills to reflect the rate schedule she had chosen.3) Let the company know that you will file a complaint with the California...

On The Cheap: Top 10 Most Frugal New Cars
Forbes magazine has released a list of the top 10 least expensive cars to own. The list is interesting because it takes into account things like depreciation and maintenance costs, rather than just listing some cheap-ass cars.We like it.Forbes' Frugal Cars:10) Pontiac Vibe $16,760Five-year cost of ownership: $35,3489) Hyundai Accent $12,865Five-year cost of ownership: $34,8088) Kia Rio $13,571Five-year cost of ownership: $34,8027) Toyota Matrix $16,558Five-year cost of ownership: $34,7786) Ford Focus $15,752Five-year cost of ownership: $34,0925) Chevy Aveo $11,844Five-year cost of ownership: $34,0484) Nissan Versa $13,950Five-year cost of ownership: $33,2753) Toyota Corolla $15,449Five-year cost of ownership: $33,0532) Honda Fit $15,440Five-year cost of ownership: $32,5471) Toyota Yaris $12,625Five-year cost of ownership: $31,785Frugal Rides: Top 10 Least Expensive Vehicles to Own [Forbes](Photo:blue_j)

Free Stuff: Walgreens will fill up select empty ink cartridges ...
Walgreens will fill up select empty ink cartridges for free on Sep 12. [Wise Bread]

Complaints: Earthlink's Worthless Customer Service Drives Man To Record And Post Calls
Unfazed by the idea of giving money to a company run by Scientologists, Steve signed up for Earthlink DSL back in May '06. 4 months ago, his DSL started cutting in and out and he got static on the landline. Perhaps his router was possessed by body thetans. As Steve's calls to customer service got more and more hopeless, he began recording and posting them online. Selected highlights...Call 1 19:20 min: "I'm sobbing and thinking of ending my life."Call 2 16:22 min : "I'm now literally punching my way through walls with my bare hands."Call 3 23:00 min: "It is all I can do to keep my temper with this guy. I am inventing new swear words in my mind."Call 4: "She cuts me off when I ask to speak to a supervisor."Call 5: "Today I got Comcast. Already a million times better than earthlink."If Steve was even more clever, he might have tried reaching an executive and mentioning that unless satisfied, he might have to perform his civic duty and warn other customers away from Earthlink by...

Recording Industry: "Ringles" Latest Brilliant Scheme From Recording Industry
Starting next month, you can get your fill of ringles in major stores like Wal-Mart, Target, and Best Buy. Brainstormed by Sony, the ringle is a sort of souped-up CD single—"one hit and maybe one remix and an older track—and one ringtone, on a CD with a slip-sleeve cover." Sony BMG will release 50 titles in October and November, while Universal will release 10 to 20. Each ringle will cost between $5.98 and $6.98. (Wanna bet which price point the labels will go for?)Nobody knows why anyone thought "ringle" was a good name for a consumer entertainment product that's supposed to appeal on a basic emotional level to the youth market, but it's already been approved by the RIAA and there's an industry-wide logo "to help brand it." Then again, other questionable names like "iPod" and "Wii" have turned out okay, so go figure. We also wonder whether, this being Sony, they'll do something horrible to the product to dissuade piracy, like lacing the sleeves with razor...

Audio: Earthlink Worthless Customer Service Drives Man To Record And Post Calls
Unfazed by the idea of giving money to a company run by Scientologists, Steve signed up for Earthlink DSL back in May '06. 4 months ago, his DSL started cutting in and out and he got static on the landline. Perhaps his router was possessed by body thetans. As Steve's calls to customer service got more and more hopeless, he began recording and posting them online. Selected highlights...Call 1 19:20 min: "I'm sobbing and thinking of ending my life."Call 2 16:22 min : "I'm now literally punching my way through walls with my bare hands."Call 3 23:00 min: "It is all I can do to keep my temper with this guy. I am inventing new swear words in my mind."Call 4: "She cuts me off when I ask to speak to a supervisor."Call 5: "Today I got Comcast. Already a million times better than earthlink."The catalog of Steve's adventures in futility remain forever immortalized at his site Earthlink-sucks.com.If Steve was even more clever, he might have tried reaching an executive and threatening to...

Chicken In A Coal Mine: A family in Bejing worried that it had a ...
A family in Bejing worried that it had a tainted bottle of water on its hands, so it gave the water to a pet chicken; the chicken died "within a minute." We smell a new export opportunity here for Chinese manufacturers—your very own house chicken to peck out any tainted toys, toothpaste, or pet food. And maybe it can sniff the popcorn, too. Reuters already made a chicken-choking joke, so we'll pass. [Reuters]

Pricing: How Big Is That Discount? The Last Digit Determines Consumers' Perception Of The Deal
According to a study published in the Journal of Consumer Research the last digit of a product's price determines your perception of how much the item has been discounted. If the price ends in a lower number (less than 5) you feel like you got a better deal.From Science Daily:The researchers show that "right-digit effect" influences consumer perception of sale prices. When the right digits are small, people perceive the discount to be larger than when the right digits are large. In other words, an item on sale for $211 from the original price of $222 is thought to be a better deal than an item on sale for $188 from an original price of $199, even though both discounts are $11.In addition, the researchers find that when consumers view regular and sale prices with identical left digits, they perceive larger price discounts when the right digits are "small" -- less than 5 -- than when they are "large," or, greater than 5."When consumers examine multi-digit regular and sale prices...

Make It Last: The last time you bought a mattress, the ...
The last time you bought a mattress, the store probably offered to take your old one away for free. Trouble is, mattresses are hard to dispose of and expensive to recycle. They can't be compressed easily in landfills, and have to be manually torn apart or put in expensive machines to even partly recycle them. They suggest you look for "green" mattresses online, and take good care of your current one so it will last as long as possible. [Seattle Times]

Changing Of The Guard: The century-old National Consumers League ...
The century-old National Consumers League (NCL) announced today that veteran consumer protection lawyer Sally Greenberg will become its executive director, starting October 1st. For the past 10 years, Greenberg worked as senior attorney at Consumers Union (who publish Consumer Reports), and this week she's testifying at Senate toy safety hearings. [Washington Post]

Chinese Poison Summit: U.S. & China Meet To Discuss Product Safety
Today begins the Sino-US Consumer Product Safety Summit, "an effort to sooth the black eyes that China and the U.S. are sporting after months of revelations that China is sending tainted products to the U.S. and the federal government has been doing little about it," writes Dennis Rockstroh on his San Jose Mercury News blog.The talks, scheduled for today and tomorrow, overlap other meetings about food safety between the two countries. They'll include representatives from the US Consumer Product Safety Commission (CPSC) and the equivalent Chinese agency, as well as reps from American companies that import Chinese products.But experts caution we shouldn't expect anything too important to come of it—as one tells the International Herald Tribune, "Manage your expectations, because both organizations, while very dedicated and very serious, face limits as to what they can do."This may be why Rockstroh isn't buying the "summit" as anything more than damage control by nervous...

Financial Anti-aid: Citibank Recruits Students To Become "Credit Card Pushers"
BusinessWeek has been examining one of the fastest-growing segments of credit card debtors, college students. Last week, they profiled a young man from the University of Pittsburgh who was recruited by a Citibank rep, at his university's student union building, to get other students to apply for credit cards with free t-shirts and lines like "Even if you apply, you can always cut up the card," and "It's easy to pay off your balance once you graduate and get a great job." For every completed application, he'd receive $5-10, and probably a tiny dark spot on his soul. The article goes on to describe how some states are trying to limit the amount of marketing credit card companies can deliver to college students, and how the companies in return are coming up with alternative ways of getting new student customers. The techniques run from blatant—at Columbia University in NYC, banned companies set up tables right on the other side of the school property line—to...

Backlash: Former Marshall Field's Customers Take To The Chicago Streets To Protest Macy's
Chicagoans don't like change. (Take Wrigley Field, for example, in all its jumbotron-less glory.) Yes, they are a strange, stubborn people who do not eat ketchup on hot dogs and who put the sauce on top of their pizza. And they don't like Macy's. Why? Because Macy's did away with Marshall Field's. From the Chicago Tribune: One year after Marshall Field's became Macy's, more than 200 "Field's Fans" stood under the store's clock on State Street for a moment of silence Sunday, hoping their passion might resurrect a name for the sake of Chicago pride and childhood memories.The change in corporate ownership aside, these people missed their Marshall Field's Frango mints, their Walnut Room lunches, the charm of following a Christmas story from one decorated window to another. All of those things remain, in some version, but the people who gathered said it is simply not the same."You don't give up on something that you like," said Rosario Probo of Pilsen. "Just the [name] itself --...

Bad Install: Comcast Tech Leaves Halfway Through Install, Tells Boss He's Done
Bob Garfield usually writes a blog about advertising and marketing for Advertising Age. Yesterday's post was a change of pace for Bob. It's called: "Comcast Must Die."After a first failed installation in which no tech showed up and no one at Comcast could (or would) explain why, Bob's install was rescheduled for September 9. 11 days later. It didn't go well. -- September 9. Installer shows up on time at 9 a.m. At 12:30, installer leaves to get a drill bit from a nearby service tech's truck. Five hours later, he is still missing. He has failed to connect one TV, and 2 of 4 phones do not operate. He has also cut off half of existing DirecTV service.-- Comcast customer service asks for "a quick moment" to investigate. Fifteen minutes later, they return to ask for "one more moment." I am on hold for another 32 minutes. During that, I use another line to call customer service. I ask for a supervisor. I am not permitted to speak to one. I am told somebody will call me back. Nobody...

Chase: A reader reports that thanks to a big update ...
A reader reports that thanks to a big update over the weekend, customers haven't been able to connect to Chase services via Quicken, MS Money, or Quickbooks, though web browsers still work. Seamus writes, "The worst part is that only about half of their support staff are even aware of the problem, and no resolution time has been given. Another "upgrade" gone wrong!"

RTFM: Apple Customer Becomes Victim Of "It Just Works" Complacency
We hate to say this, but in the interest of fairness we must: sometimes it really is the customer's fault. A man took his three iPhones out of the country, and now he's got a $4800 roaming bill because he didn't turn them off and they kept checking for email. Well, he didn't turn them off off. You know, there's standby off and off off. Or maybe you didn't know? It's all in the Apple iPhone User Guide—we just looked at it online and it's right there on page 14: how to put your phone in standby (which just turns off the screen) and how to shut it off completely.Or you can check out pages 49 and 50, where it shows you how to disable an email account temporarily or permanently so that it doesn't check for messages. Or look at page 94, where it explains the airplane mode: 'When airplane mode is on... no cell phone, radio, Wi-Fi, or Bluetooth signals are emitted from iPhone. You can't make calls, send or receive text messages, stream YouTube videos, or get stock quotes,...

Lead Contamination: Disney, Toys 'R Us To Begin Random Testing Of Toys
Disney is a name a lot of parents trust, so it came as a surprise to many that toys and jewelry featuring Disney characters would be recalled for lead contamination. The jewelry seen here, for example, was recalled for lead contamination after being sold at mall outlets like The Limited, Too.So, doesn't Disney test products that use its name? Well, no. But they're going to start, according to the New York Times:Executives at Disney made the decision to institute the testing on Thursday and intend to inform Mattel and other toy manufacturers today."It sends the message that we are looking over their shoulders," said Andy Mooney, the chairman of Disney's consumer products division.Disney's plan represents a significant shift in the toy business. Traditionally, these companies have licensed their characters to toy companies, deposited their royalty checks and left quality control up to the manufacturers. Indeed, the toymakers are usually held liable legally for harm caused by the...

Complaints: 5/3 Bank's New Policy: Only Process The First $100 Of A Check
How can you overdraft when you've deposited more than enough money to pay for the charges? Why, when 5/3 Bank decides to only let the first $100 of the check through.Chris had a balance of $68.08, deposited a check for $619.49 and then made several payments and purchases totaling $180.86. Thanks to 5/3's new policy, he racked up four overdraft charges. When he contacted executive customer service, they agreed to waive one of the charges, but defended their right to charge fees because 5/3 had recently sent a little notice in the mail along with the account statement."My girlfriend and I have just moved and now I have a huge chunk of the security deposit our landlord was expecting missing, and I don't know what I'm going to do," writes Chris.5/3's new policy is absolutely retarded, but Chris' story illustrates the need, even in this age of online billing, to keep an eye on account notices to keep an eye out for any new fee schemes your bank or other service provider may have...

Complaints: American Home Shield Technician Likewise Unaware Of How He Stay In Business
According to the customer's blog, the following is an actual conversation he had with the American Home Shield (AHS) technician responsible for denying his warranty repair claim. People buy extra warranties from AHS to insure against the costs of various home repairs."HIM: "We don't have your compressor."ME: "You guaranteed that you would have it today. You told me that you could call the supplier and have them hold it for you. What happened?"HIM: "I don't know. We don't have your compressor."ME: "What about your guarantee? Did they sell the compressor between 3:30 yesterday and 10:30 today?"HIM: "I guess so."ME: "How is that possible? You said that you guaranteed it would be installed today. Are you telling me that your guarantee is worthless?"HIM: "I guess so."ME: "Do you routinely do this to your customers? Promise them something and then fail to deliver it?"HIM: "I guess so."ME: "How are you still in business?"HIM: "I don't know."His complaint letter to the company followsPatri...

Sub-prime Meltdown: The step-by-step process of $130,000 gross ...
The step-by-step process of $130,000 gross yearly income housing bubble poster couple getting foreclosed, a case study. [Dr. Housing Bubble Blog]

Big Box: Target: Putting Merchandise In Correct Bins Not Our Responsibility
Reader Marie went to the Target store in Biddeford, Maine and was told by the on-duty manager that "it is not the responsibility of the department manager or stocker" to ensure that the store's bins actually contain the items that they are supposed to.Really? Whose responsibility is it? Is it Marie's responsibility? What do the readers think? Does Target have a responsibility to keep their merchandise in good order? Or is that just the risk you take when you shop at Target?(Photo:What Rhymes With Nicole)

Subprime Meltdown: WaMu Says Housing Market In "Perfect Storm"
WaMu's CEO is saying that the subprime meltdown isn't just magically going away: "The combination of rising delinquencies, higher foreclosures, more housing inventories, increasing interest rates on many mortgages and greatly reduced availability of mortgages due to limited liquidity is creating what we call a near-perfect storm for housing,'' Chief Executive Officer Kerry Killinger said."It now appears that housing and capital market corrections will be worse and longer lasting than even we expected,'' Killinger said. Meanwhile, Countrywide, the nations largest mortgage lender, announced over the weekend that they would cut between 10,000 and 12,000 jobs, or 20% of their workforce. Countrywide had previously announced 1,400 jobs cuts. Their stock is down 57% in 2007.Countrywide to cut more jobs [MSNMoney]Washington Mutual Sees Housing `Near-Perfect Storm' [Bloomberg](Photo:Maulleigh)

Stocks: Consumerist ACSI Fund 1st Check In
Does higher customer satisfaction lead to better stock performance?After reading a scientific article in the Journal of Science claiming exactly that, we put together two mock stock portfolios. One contained companies that both scored in the top 20% of the American Customer Satisfaction Index (ACSI) relative to their competition and beat the national ACSI average. The other was the reverse, companies scoring in the bottom 20% and having scores lower than the national mean.Since May, when the portfolios began, the ACSI fund is down 5.63%. The ANTI-ACSI fund is down 8.16%. Also, we messed up. Overview inside...It's much too early to draw any sort of conclusion whatsoever but we thought you might be interested in seeing how they were doing so far.We realized two things we did very wrong: 1) We're a month behind in reporting the changes, somehow we miscalculated 4 months (we figured for four months in advance, rather than four months inclusive... doh!)2) The ACSI index covers over...

Returns And Exchanges: Man Attempts To Return Walmart Ammunition At 1300 Feet Per Second
It's Walmart's policy, clearly visible on their website and in their stores, that all sales of guns and ammunition are final. One San Diego man didn't like that policy so he tried to return the ammunition in another way. By firing it in the Walmart parking lot.According to the Union-Tribune in San Diego, a man tried to return shotgun ammunition to his local Walmart. After he was refused he became enraged and told the employees he would be back to kill them all. Then the man fired off some shots in the Walmart parking lot. No one was hurt, but witnesses were able to write down the man's license plate number and police located him at his home. The San Diego SWAT team surrounded the man's mobile home and eventually had to use tear gas to get him to surrender after an 8 hour standoff. Sorry, scary gun guy. Walmart's return policy on guns and ammo is clear: All sales are final. It pays to read the signs.Santee SWAT standoff ends with arrest [Union-Tribune] (Thanks, jpac!)(Photo:crawfish...

Phone Numbers: Reach Georgia Power Executive Customer Service
Richard Holmes - Metro Atlanta Region Senior Vice President - Customer Service - 404-506-3701 (direct line)Mickey Brown - Georgia Power Corp Executive Vice President - 404-506-2412 (Richard's boss)Michael Garrett (pictured)- CEO - Georgia Power - 404-506-7733 (Mickey's boss)RELATED: How To Ninja Through Executive Customer Service

Bad Consumer: McDonald's Worker Arrested For "Over Salting" Police Officer's Burger
No, "over salting" isn't code for anything nasty. The 20-year-old McDonald's worker literally spilled salt on the hamburger meat that was used to make a "Big 'N Tasty" that was served to a Georgia police officer.The police officer says the burger made him sick—and Kendra Bull, 20, spent a night in jail because of it. According to Kendra, she accidentally spilled too much salt on the hamburger meat, tried to remove it, notified her coworkers, then took a break. During the break she says she ate a burger made from the salty meat.Officer Wendall Adams got a burger from the over salted batch, took a few bites and came back to confront Kendra. From WISTV:Bull admitted to spilling the salt on the burger, and the officer asked her to step outside, where he questioned Bull further, she said.Bull, who has worked at the restaurant for five months, said she did not know a police officer had ordered the burger because she could NOT see the drive-through window from her work area.Bull...

PSAs: Meet Your New Associate Editor, Chris Walters!
After trying his hand at regular posting, we decided we liked Christopher Walters blogging enough to bring him on full-time. Chris will be contributing six posts a weekday. Please join us in giving him a big and hearty welcome to The Consumerist team!

Travel: Airlines Sacrifice All-Mighty Dollar To Combat Congestion
Taking a lesson from this summer's royal clusterfuck of delays, cancellations, and passengers stranded for hours on the tarmac, airlines have decided to tweak things a bit for the better. Here's some of the proposed measures:Sell fewer seats on busy routesIncrease number of jet flying the same routesIncrease staff at at hubs to help with passengers missing connectionsIncrease operating day by 30 minutesHave aircraft available as "spares"Increase planes' ground timeThe moves translate to increased airline costs, a reality you can expect to see reflected in your ticket price. Airlines to alter booking protocol [WSJ via Rick Seaney](Photo: Maulleigh)

Recalls: Graco, Comfortsport, Cosco, Eddie Bauer, ...
Graco, Comfortsport, Cosco, Eddie Bauer, Safety 1st (check specific models, strap slippage), Shaw's Fresh Ground Round Beef Patties (e.coli), Jensen's Seattle Style Wild Smoked Salmon Spread Lemon Dill and Onion, PCC brand Smoked Salmon Spread (Listeria monocytogenes), Zencore Tabs (potentially harmful, undeclared ingredients).

Travel: Ailrines Sacrifice All-Mighty Dollar To Combat Congestion
Taking a lesson from this summer's royal clusterfuck of delays, cancellations, and passengers stranded for hours on the tarmac, airlines have decided to tweak things a bit for the better. Here's some of the proposed measures:Sell fewer seats on busy routesIncrease number of jet flying the same routesIncrease staff at at hubs to help with passengers missing connectionsIncrease operating day by 30 minutesHave aircraft available as "spares"Increase planes' ground timeThe moves translate to increased airline costs, a reality you can expect to see reflected in your ticket price. Airlines to alter booking protocol [WSJ via Rick Seaney](Photo: Maulleigh)

Sub-prime Meltdown: House Bought At Foreclosure Found Filled With Dead Cats And Dogs And Feces
Foreclosure sales are great buying opportunities, except that you only get to inspect the house after the old owners move out, and that's when you discover the over two dozen dead cats and dogs, over 100 live cats, and feces six to ten inches high covering the basement. Under the terms of foreclosure, no one except the owner has the right to step foot in the house until after the sale. Neighbor never saw 'disgusting' interior [NorthJersey.com via Credit Slips]

Shopping: Morning Deals
Amazon: Price Pfister Double Handle Faucet /w Sprayer for $40 ShippedTanga: Terakh: A Creative Strategy Game for $24.99Wine.woot: Seghesio Quartet for $79.99Highlights From DealhackWall Street Journal: 8 Free Weeks + 75% off Online & Print Annual SubscriptionMacMall: 8GB Video iPod nano & Mobile FM Transmitter $194Newegg: Rosewill 90-Piece Computer Tool Kit $40 Shipped