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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.
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