And at the end of 12, 15 or 20 years, the home you are buying will be yours free and clear, without any strings attached.

NPR: Time for Renovation at the FHA?

Then the property is yours free of all liens, including mortgages.

FORBES: Chase Tries to Fix Mortgage Screw-up by Arguing Borrower Not Good at Latin

Google will now give full-sized image back-ups when uploaded (up to 5GB are yours for free), while any Android Jelly Bean users will be able to share their photospheres directly from the phone app.

ENGADGET: Google+ update offers seasonal cheer through 18 new features: improves mobile apps, hangouts and events (updated)

Once you've squared that away, 7GB of free online storage is yours forever (subject to no dramatic u-turns in the future.) The sharp-eyed among you will have spotted that this is more than Google Drive, Apple and Dropbox are offering for their entry-level accounts.

ENGADGET: Microsoft SkyDrive impressions: a look at features and functionality

Scholarships are free money that's yours for taking, but they can be hard to get.

FORBES: Magazine Article

Since the hardware is identical to the original N80, we'll concentrate on a couple of the Internet Edition's software goodies -- and don't worry, original N80 owners, most or all of it comes with yours, too, or can be downloaded free of charge.

ENGADGET: Hands-on with the Nokia N80 Internet Edition Mobile

Sony's just announced that the free Foursquare app has officially landed at the PlayStation Store (US), and it can be yours for a paltry 4.5MBs of space on your precious proprietary memory card.

ENGADGET: Foursquare PS Vita app hits US PlayStation Store, gives you another reason to consider 3G