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Tuesday, 6 February 2007
Monday, 5 February 2007
SELLING ON EBAY
If you or someone you know is interested in collecting, Ebay selling is something you need to get familiar with. You probably know about ebay. It's a huge Internet site that allows people to sell or buy at auction almost anything you can think of. There are very few restrictions on what you can buy or sell. Are you fond of antique toasters? Bicycles? Vintage rhinestone jewelry? Stuffed toys? Elvis memorabilia? Whatever you are collecting, Ebay selling will probably have what you want.
Ebay is essential to know about if you are enthusiastic about your collecting. For instance, if you collect a particular type of antique or vintage dishes, such as Fiesta, you can search Ebay for exactly the piece you need to complete your set. In addition to finding the exact item you are looking for, there is a possibility you'll get it for a great price as well. That tangerine colored pitcher might be yours for a song. You just have to look.
Collecting is one thing, but what about when the collector gets more items than he or she can store? What if they inadvertently collected duplicates of the same item. Or what if you just have stuff you don't want anymore? That's where Ebay selling can help. You can list your item on Ebay, and another collector can find it and make a bid. Ebay is a great way to recycle unwanted used items and make a few dollars as well as helping you with your collecting. Ebay selling is not hard to learn, either.
For just about every item you can name, someone somewhere collects it, and they are probably searching Ebay for what they want. So whatever you are collecting, Ebay selling can help you generate the money needed to add items to your own collection while getting rid of things you don't need. In addition, you can be gratified to know that the item you didn't want, like the bikes your kids have outgrown, or your vintage clock, was exactly what some other collector was seeking.
Just like collecting, Ebay selling can get almost addictive. It's a fun hobby that many people are discovering. So where do you go if there's something special you are collecting? Ebay! Selling, you'll find, is almost as fun as collecting, so be sure to try it, too. Remember, too, that Ebay can not only help you complete your collections. It can also be a source for the things you need for other hobbies, interests, and needs in your life.
Ebay is essential to know about if you are enthusiastic about your collecting. For instance, if you collect a particular type of antique or vintage dishes, such as Fiesta, you can search Ebay for exactly the piece you need to complete your set. In addition to finding the exact item you are looking for, there is a possibility you'll get it for a great price as well. That tangerine colored pitcher might be yours for a song. You just have to look.
Collecting is one thing, but what about when the collector gets more items than he or she can store? What if they inadvertently collected duplicates of the same item. Or what if you just have stuff you don't want anymore? That's where Ebay selling can help. You can list your item on Ebay, and another collector can find it and make a bid. Ebay is a great way to recycle unwanted used items and make a few dollars as well as helping you with your collecting. Ebay selling is not hard to learn, either.
For just about every item you can name, someone somewhere collects it, and they are probably searching Ebay for what they want. So whatever you are collecting, Ebay selling can help you generate the money needed to add items to your own collection while getting rid of things you don't need. In addition, you can be gratified to know that the item you didn't want, like the bikes your kids have outgrown, or your vintage clock, was exactly what some other collector was seeking.
Just like collecting, Ebay selling can get almost addictive. It's a fun hobby that many people are discovering. So where do you go if there's something special you are collecting? Ebay! Selling, you'll find, is almost as fun as collecting, so be sure to try it, too. Remember, too, that Ebay can not only help you complete your collections. It can also be a source for the things you need for other hobbies, interests, and needs in your life.
Saturday, 3 February 2007
SAVE MONEY AND AVOID TEMPTATIONS
Saving money and financial management is very crucial in one's life. Money is very important in order to survive in this world but only a few people know how to manage their household budget properly. Many people have a hard time saving money even if it is for their own good.
Most of the time, you may be motivated to save money but there are times when temptations come your way and before you know it, you have already spent the amount that was supposed to be added to your savings account. Here are some helpful tips on how you can avoid temptations and be able to save money:
1. Try hard to avoid those things that keep you from saving. If you are fond of buying shoes even if you don't really need them, try very hard to stay away from them. Keep yourself away from shoe stores so that you will not be tempted to buy one.
2. When going to grocery stores. Always bring the exact amount and bring with you a grocery list. If you have limited money in your pocket when in grocery stores, you will be forced to buy only those important things that you need. Preparing a grocery list will also help you get organized and will help you in deciding the things that need to be prioritized.
3. Go to the malls only when needed. Do not go shopping if you do not need anything important to buy. Window-shopping will only tempt you to buy the dress you saw in the boutique even if you don't really need it.
4. Do not bring your credit cards with you all the time. Having a credit card in your pocket will only tempt you to buy things that are not necessary. This will also help you lower your balances and have a good credit score.
5. You may want to save money in the bank or invest in time deposits. You will not be tempted to get money from the bank every time you need cash, if they are placed in a time deposit account.
6. You may also want to consider consulting a financial advisor. There are a lot of programs that offer these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.
Most of the time, you may be motivated to save money but there are times when temptations come your way and before you know it, you have already spent the amount that was supposed to be added to your savings account. Here are some helpful tips on how you can avoid temptations and be able to save money:
1. Try hard to avoid those things that keep you from saving. If you are fond of buying shoes even if you don't really need them, try very hard to stay away from them. Keep yourself away from shoe stores so that you will not be tempted to buy one.
2. When going to grocery stores. Always bring the exact amount and bring with you a grocery list. If you have limited money in your pocket when in grocery stores, you will be forced to buy only those important things that you need. Preparing a grocery list will also help you get organized and will help you in deciding the things that need to be prioritized.
3. Go to the malls only when needed. Do not go shopping if you do not need anything important to buy. Window-shopping will only tempt you to buy the dress you saw in the boutique even if you don't really need it.
4. Do not bring your credit cards with you all the time. Having a credit card in your pocket will only tempt you to buy things that are not necessary. This will also help you lower your balances and have a good credit score.
5. You may want to save money in the bank or invest in time deposits. You will not be tempted to get money from the bank every time you need cash, if they are placed in a time deposit account.
6. You may also want to consider consulting a financial advisor. There are a lot of programs that offer these services for free. They may be able to help you and give you advice on how you can avoid temptations and save more money.
Friday, 2 February 2007
METHODS OF SAVING MONEY
Saving is basically putting aside money or a way to utilize your present income for future use.
We can save for several reasons such as for a college education, buying a new car, a new TV set you wish to acquire in three to four months time, for down payment on a home, or to provide for yourself when retirement comes.
As much as there are several reasons for saving, there are likewise many methods in which one can save. In most instances, the best method can be determined by whatever plans you have for the future.
1. Savings accounts. When saving for just a short period or for emergency purposes, consider opening a savings account passbook. With this method you can easily gain access to your funds.
Great for both long and short term savings, you can deposit and withdraw money to your account and earn interest, based on your average daily balance. A minimum balance is required to be maintained though, and you may be charged with a penalty should you fail to maintain it.
2. Checking account with interest. Here one can benefit from checking account conveniences, while your deposits gain interest. Generally these types of accounts grant privileges such as limitless withdrawal and check writing, access to ATM and bill payments that can be done online.
This method typically requires a daily balance of a certain amount depending on which bank you use.
3. Money market insured accounts. For long-term goals, this method is ideal, as it generally offers a much higher rate of interest compared to a regular or standard savings account.
The interest rate usually is dependent on the amount of money in your bank account. A larger balance means higher interest.
4. “CD” or Certificates of Deposit. This is a savings method requiring you to “loan” your money to your financial agency for a certain time frame, usually ranging from thirty days up to five years. Here, the longer the time span again, means higher interest.
Keep in mind that usually insurance companies offer better deals on interest compared to banks, so before you invest, compare rates first.
At certain times, when your goal is many years away, it can be a wiser decision to save money in a certain way so that you are not tempted to use for purposes other than the main reason for saving it. Deciding on the right financial agency such as a bank, credit union or insurance firm can bring about major benefits to your finances.
We can save for several reasons such as for a college education, buying a new car, a new TV set you wish to acquire in three to four months time, for down payment on a home, or to provide for yourself when retirement comes.
As much as there are several reasons for saving, there are likewise many methods in which one can save. In most instances, the best method can be determined by whatever plans you have for the future.
1. Savings accounts. When saving for just a short period or for emergency purposes, consider opening a savings account passbook. With this method you can easily gain access to your funds.
Great for both long and short term savings, you can deposit and withdraw money to your account and earn interest, based on your average daily balance. A minimum balance is required to be maintained though, and you may be charged with a penalty should you fail to maintain it.
2. Checking account with interest. Here one can benefit from checking account conveniences, while your deposits gain interest. Generally these types of accounts grant privileges such as limitless withdrawal and check writing, access to ATM and bill payments that can be done online.
This method typically requires a daily balance of a certain amount depending on which bank you use.
3. Money market insured accounts. For long-term goals, this method is ideal, as it generally offers a much higher rate of interest compared to a regular or standard savings account.
The interest rate usually is dependent on the amount of money in your bank account. A larger balance means higher interest.
4. “CD” or Certificates of Deposit. This is a savings method requiring you to “loan” your money to your financial agency for a certain time frame, usually ranging from thirty days up to five years. Here, the longer the time span again, means higher interest.
Keep in mind that usually insurance companies offer better deals on interest compared to banks, so before you invest, compare rates first.
At certain times, when your goal is many years away, it can be a wiser decision to save money in a certain way so that you are not tempted to use for purposes other than the main reason for saving it. Deciding on the right financial agency such as a bank, credit union or insurance firm can bring about major benefits to your finances.
Thursday, 1 February 2007
CREDIT CARD SAVINGS
Having a credit card is very convenient since carrying a lot of cash becomes unneccesary and you might even have a hard time leaving your credit card at home. But with its advantages comes also its disadvantages. Since you can always buy things without carrying cash around, you are always tempted to buy something that you come across. If you have excellent control on your finances then good for you. If you have a hard time managing your credit card, then these pointers can help you.
Get organized
First thing's first, obtain your credit card records to have a better idea of your outgoings. Be sure to double check the records for errors and ensure its accuracy. A good example would be to find out if you have outstanding debts that should not be there, as well as the accuracy of the listing of your former and present address.
Evaluate your credit card
Go over your recent credit card records and look at the interest rates. Some credit card companies have promos wherein they offer lower interest rates for a period of time and this promo may already be over, yet you have no idea and are already paying at a higher interest rate. Also take note of the membership fee which they charge annually since some have very high membership fees. Consider cancelling this if you are not using it frequently.
Pay on time
It is important to pay your bills on time, since it can have a negative effect on your credit record or rating. You will also be able to avoid getting charged because of not paying on time. Try asking the credit card company to remove the overdue charge if you have forgotten to pay it on time for the first time.
Manage your debts
If you see that you have more debt than what is comfortable, think ahead and plan out how you will repay it or at least reduce your debt. Devise a way to pay more than what is required of you so that you will have a reduced payment schedule. Prioritize the card that has the highest interest rate. Do not always have your credit card with you when you go out since temptations abound.
Don't bite off more than you can chew
As the saying "don't bite off more than you can chew" goes, do not spend more than you can afford. True, a beautiful gold bracelet may be enjoyable to wear but its price tag may mean paying a lot for the next few months. If you are trying to save money when using your credit card, unnecessary items like jewelry and the like should be at the bottom of your considerations.
Get organized
First thing's first, obtain your credit card records to have a better idea of your outgoings. Be sure to double check the records for errors and ensure its accuracy. A good example would be to find out if you have outstanding debts that should not be there, as well as the accuracy of the listing of your former and present address.
Evaluate your credit card
Go over your recent credit card records and look at the interest rates. Some credit card companies have promos wherein they offer lower interest rates for a period of time and this promo may already be over, yet you have no idea and are already paying at a higher interest rate. Also take note of the membership fee which they charge annually since some have very high membership fees. Consider cancelling this if you are not using it frequently.
Pay on time
It is important to pay your bills on time, since it can have a negative effect on your credit record or rating. You will also be able to avoid getting charged because of not paying on time. Try asking the credit card company to remove the overdue charge if you have forgotten to pay it on time for the first time.
Manage your debts
If you see that you have more debt than what is comfortable, think ahead and plan out how you will repay it or at least reduce your debt. Devise a way to pay more than what is required of you so that you will have a reduced payment schedule. Prioritize the card that has the highest interest rate. Do not always have your credit card with you when you go out since temptations abound.
Don't bite off more than you can chew
As the saying "don't bite off more than you can chew" goes, do not spend more than you can afford. True, a beautiful gold bracelet may be enjoyable to wear but its price tag may mean paying a lot for the next few months. If you are trying to save money when using your credit card, unnecessary items like jewelry and the like should be at the bottom of your considerations.
Tuesday, 16 January 2007
BUDGETING FOR EMERGENCY FUNDS
Emergency funds are considered to be a necessity as far as financial security is concerned, since it can provide you with financial resources that you can resort to and depend on when an emergency arises such as when one is sick and have the burden of paying huge medical bills, or unexpected home or major car repair.
When you have no emergency fund, you may end up acquiring debt on your credit card that might take several years to repay with interest that would later cost so much more.
However by putting an extra thirty to fifty dollars every month into an individual “emergency savings account” you can be ready for any emergencies that may arise. In doing this, it is recommended that you regard the emergency fund as an additional bill, to be punctually paid each month.
Yes, one can and should budget and allocate the extra money for an emergency fund, as this is can have a significant effect on your financial future. Here, the goal is to create savings from budgeting your income; the emergency savings should ideally be equal to at least three months of your living expenses.
What's important is that you should steadily put a certain amount of money aside, and only use it for real emergencies.
Not like an investment, the success of one’s long-term savings funds does not really count on the amount of return or interests but on placing a fixed amount of money away constantly and steadily so to have immediate access to it at all times.
In spite of one’s financial status, the initial step in the process of constructing an emergency fund is by knowing where your money is presently being consumed or spent.
When you recognizes and determines where your earnings are being spent, then it will be easy for you to choose and make a decision where to trim down expenses. In other words, budget.
Budgeting is putting or setting aside money for anticipated and unanticipated future use. It is here that one sets up a goal so as to save. So set an emergency fund as your goal.
Checking, savings, money market accounts and “certificates of deposits”, are great places to keep one’s cash that might be needed on quick notice.
The amount saved from budgeting can either go to your savings goal, emergency fund or both. One could utilize the money saved from budgeting financial expenses by saving half of it to your savings account and half of it for emergencies. This way, you achieve your goals in savings and at the same time put in funds for emergency use. It’s your choice.
When you have no emergency fund, you may end up acquiring debt on your credit card that might take several years to repay with interest that would later cost so much more.
However by putting an extra thirty to fifty dollars every month into an individual “emergency savings account” you can be ready for any emergencies that may arise. In doing this, it is recommended that you regard the emergency fund as an additional bill, to be punctually paid each month.
Yes, one can and should budget and allocate the extra money for an emergency fund, as this is can have a significant effect on your financial future. Here, the goal is to create savings from budgeting your income; the emergency savings should ideally be equal to at least three months of your living expenses.
What's important is that you should steadily put a certain amount of money aside, and only use it for real emergencies.
Not like an investment, the success of one’s long-term savings funds does not really count on the amount of return or interests but on placing a fixed amount of money away constantly and steadily so to have immediate access to it at all times.
In spite of one’s financial status, the initial step in the process of constructing an emergency fund is by knowing where your money is presently being consumed or spent.
When you recognizes and determines where your earnings are being spent, then it will be easy for you to choose and make a decision where to trim down expenses. In other words, budget.
Budgeting is putting or setting aside money for anticipated and unanticipated future use. It is here that one sets up a goal so as to save. So set an emergency fund as your goal.
Checking, savings, money market accounts and “certificates of deposits”, are great places to keep one’s cash that might be needed on quick notice.
The amount saved from budgeting can either go to your savings goal, emergency fund or both. One could utilize the money saved from budgeting financial expenses by saving half of it to your savings account and half of it for emergencies. This way, you achieve your goals in savings and at the same time put in funds for emergency use. It’s your choice.
Sunday, 14 January 2007
SAVING MONEY ON ELECTRICITY
An electrical appliance that does not work at maximum capacity results in less than ideal performance and higher electricity bills. Here is how you can save on your electricity bills.
1. Keep your appliances clean and well maintained. Regular cleaning and maintenance keeps your appliances in top shape, hence, it will perform better and consumes lesser energy. Energy saved is money saved.
2. Have an annual checkup by a qualified service technician. This can reduce the appliance’s operating costs by as much as 20%, extend the life of the system, and improve its safety and air quality.
3. When using air conditioners, it is best to establish your comfort temperature, and then setting your thermostat at that level permanently. This will definitely save on electricity bills because the air conditioning unit takes less energy to cool air four to five degrees than it does to cool air eight to ten degrees.
4. Replace any items that are over 10 years old. These appliances are most likely not at their optimum efficiency. By replacing them, your electricity bills can be cut further.
5. If you experience a power outage, make sure you turn off the switch on your appliances and allow time to pass before turning the appliances on again when the power returns.
6. In refrigerators, do not overstuff compartments with bottles and plastic containers. Cool air must circulate freely to avoid overworking the condenser.
Also, try not to leave the door of your refrigerator open longer than is needed. This will have the tendency to allow the cool air to break out.
7. Always try to look for the “energy saving” logo or notes whenever you buy your new appliances. Buying an appliance with a logo that states it consumes lower energy will definitely let you save more money on your electricity.
8. Always use energy saving lights or light bulbs. These energy saving lights or light bulbs usually last up to 12 times longer. Plus, energy saving light bulbs consume less energy. Hence, you will be able to save more money just by saving on electricity.
9. Use energy-saving facilities at home like energy-saving windows or energy-saving appliances. This will lessen the consumption of energy and, thus, will let you save on money.
For instance, use a “double-glazed” window instead of the ordinary window.
10. Use insulators at home. This will not let the warm or cool air out, and vice-versa.
1. Keep your appliances clean and well maintained. Regular cleaning and maintenance keeps your appliances in top shape, hence, it will perform better and consumes lesser energy. Energy saved is money saved.
2. Have an annual checkup by a qualified service technician. This can reduce the appliance’s operating costs by as much as 20%, extend the life of the system, and improve its safety and air quality.
3. When using air conditioners, it is best to establish your comfort temperature, and then setting your thermostat at that level permanently. This will definitely save on electricity bills because the air conditioning unit takes less energy to cool air four to five degrees than it does to cool air eight to ten degrees.
4. Replace any items that are over 10 years old. These appliances are most likely not at their optimum efficiency. By replacing them, your electricity bills can be cut further.
5. If you experience a power outage, make sure you turn off the switch on your appliances and allow time to pass before turning the appliances on again when the power returns.
6. In refrigerators, do not overstuff compartments with bottles and plastic containers. Cool air must circulate freely to avoid overworking the condenser.
Also, try not to leave the door of your refrigerator open longer than is needed. This will have the tendency to allow the cool air to break out.
7. Always try to look for the “energy saving” logo or notes whenever you buy your new appliances. Buying an appliance with a logo that states it consumes lower energy will definitely let you save more money on your electricity.
8. Always use energy saving lights or light bulbs. These energy saving lights or light bulbs usually last up to 12 times longer. Plus, energy saving light bulbs consume less energy. Hence, you will be able to save more money just by saving on electricity.
9. Use energy-saving facilities at home like energy-saving windows or energy-saving appliances. This will lessen the consumption of energy and, thus, will let you save on money.
For instance, use a “double-glazed” window instead of the ordinary window.
10. Use insulators at home. This will not let the warm or cool air out, and vice-versa.
Saturday, 13 January 2007
MAKE MONEY POSTING
MYLot is a free to join service which pays you to post on literally 1000s of topics. The more you post , the more your potential earnings. You can also receive payment for downloading pictures. Thousands of people are involved and it's very easy to do. There is also a referral system which increases your earnings even more. Have a look atwww.mylot.com
Thursday, 11 January 2007
HOW TO SAVE EFFECTIVELY IN BANKS
Many of us think that putting our money in the bank is a secure and wise way of saving. Yes, this is true if we are wise in dealing with banks. Banks are not charitable institutions, these are profit-driven entities which charge different kinds of fees and do all sorts of schemes to take away some of your money. The savings that you can get in being wise in making bank transactions can add up after some time and let you use your money where you want to.
Here are some tips on how to effectively save money in the bank:
Mind the Opportunity Cost
Think about the factors that are affecting your money in the bank. Are there fees that the bank is asking you to pay for keeping and using your own money? How much? Are they requiring a minimum balance for holding an account? You might be interested in other alternatives that are available out there, waiting for your investment. You should always factor in the opportunities that you are deprived of because you are putting your money in the bank. You might also be interested in taking a look into the terms of other banks. Probably the bank that can best suit your needs is out there waiting for you.
Book Balancing
Always bear in mind to have your checkbooks balanced at the end of every month. Issuing bounced checks can cost you a lot. Fees for issuing checks with insufficient funds can be exorbitant. If you are not aware of the problem, you can easily issue several bounced checks in a certain period of time and this is very costly indeed.
Tame the ATM Machines
The best practice in using ATM machines is to avoid using ATM machines of other banks. This way, you will save on ATM fees. However, it wouldn't hurt if you also knew the ATM machines of other banks which do not charge fees.
E-banking
With the advent of globalization, everything is becoming electronic. This is also true in the banking world and technology is quickly becoming a benchmark of competition. E-banking can save you some money from transportation costs and more importantly, it will save you time. The time you spend waiting at the bank can be used for some other productive activities.
Truly, putting your money in the bank is a wise way of saving money, but only if you are wise enough to prevent the bank from chipping away your wealth. In saving, it is not only the benefits such as annual returns which you should consider, you should always think about the costs involved in the process.
Here are some tips on how to effectively save money in the bank:
Mind the Opportunity Cost
Think about the factors that are affecting your money in the bank. Are there fees that the bank is asking you to pay for keeping and using your own money? How much? Are they requiring a minimum balance for holding an account? You might be interested in other alternatives that are available out there, waiting for your investment. You should always factor in the opportunities that you are deprived of because you are putting your money in the bank. You might also be interested in taking a look into the terms of other banks. Probably the bank that can best suit your needs is out there waiting for you.
Book Balancing
Always bear in mind to have your checkbooks balanced at the end of every month. Issuing bounced checks can cost you a lot. Fees for issuing checks with insufficient funds can be exorbitant. If you are not aware of the problem, you can easily issue several bounced checks in a certain period of time and this is very costly indeed.
Tame the ATM Machines
The best practice in using ATM machines is to avoid using ATM machines of other banks. This way, you will save on ATM fees. However, it wouldn't hurt if you also knew the ATM machines of other banks which do not charge fees.
E-banking
With the advent of globalization, everything is becoming electronic. This is also true in the banking world and technology is quickly becoming a benchmark of competition. E-banking can save you some money from transportation costs and more importantly, it will save you time. The time you spend waiting at the bank can be used for some other productive activities.
Truly, putting your money in the bank is a wise way of saving money, but only if you are wise enough to prevent the bank from chipping away your wealth. In saving, it is not only the benefits such as annual returns which you should consider, you should always think about the costs involved in the process.
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