Updated on November 10, 2017 by admin
Saving money is basically just setting aside a percentage of current income now to create a financial hedge or surplus for use in the future.
Cash accumulation methogs come in many different forms. Additionally, there are several reasons that people choose to save. However, your method for saving should be based on what you plan to do with the money in the final analysis.
1. Petty Cash Savings Accounts. When saving for just a high ticket item or for a minimal amount of time, or to accumulate an funds as a surplus against emergencies, a passbook savings account is the best method. You should dump bloated items that steal your cash, so that you can sock away at least $1000 into what I call a Rainy Day or Lean Fund. The reason you want to put this in the bank is because it is basically liquid. You can get it very quickly without going through much trouble.
This type of account is only good for short term money savings. You have flexibility with it. You can deposit and withdraw money to your account and earn interest, based on your average daily balance. The interest gained will be very low though because it is not a wealth accumulation vehicle.
If you make a mistake and use more money then what is currently on deposit in your account the bank will charge you an insufficient funds fee as high as $40 per occurrence. The bank will sometimes forgive your error and return this fee if you ask them to. They won’t do this for you every month though.
2. Checking accounts that bear interest. The best aspect of having this type of account is the ease of use it offers. You get to transact your daily business through this type of account and earn a bit of interest at the same time. That’s a twofer. Generally these types of accounts come with a host of other privileges like checks, online bill payment schematics and Visa and Mastercard based debit cards.
In order for you to not be charged a monthly fee to maintain this account you typically must maintain a daily balance as high as $2,000. Should you be neglectful of this account and become delinquently overdrawn with the bank, you will be reported to ChekSystems. A report to ChekSystems will mean exclusion from having a checking account with virtually every American bank or Credit Union for up to five years or longer depending on the severity of your account abuse.
3. Secured money market accounts (MMA). These accounts are backed by the Federal Deposit Insurance Company and are not as quickly accessible as your general savings or regular petty cash savings account. If you don’t need access to this money as much as the funds in your savings account then this is the way you want to go. It offers more return on your deposited dollars but you won’t be able to run down to the local ATM to make a …
Updated on December 1, 2017 by admin
With the Internet, people can now work successfully in the comforts of their own home. The only thing that you need to know when you decide to do a home business is that you have to follow your passion and capitalize on the things that you are good at.
In a time when a lot of companies are shrinking their work, getting (and even retaining) a regular job is becoming harder by the day. So, it may really be a good idea to try out home business. Many people have already tried working from home and realized that it can be lucrative, particularly if you find the right type of business that fits your personality and interests. If you do not have any idea on what type of business you can do at home, read on and find out.
Providing services to people in your community is a viable home business. If you are good with kids, you might want to consider setting up a daycare in your own home. Many parents prefer bringing their kids to small home-based day care centers because their children get more personalized care. However, before you set up a day care, you bought to know the regulations in your area. Other types of services that you can provide include dog walking or pet sitting, plant caring, and even home cleaning.
If you are comfortable with the Internet, then you can tap the World Wide Web to look for home business opportunities that are both lucrative and fun. The key in learning a lot on the Web is having a skill that you can market. If you know something about web designing, graphic design or article writing, then you can offer web design, desktop publishing and web content writing as freelance services. The good thing about freelancing is that there are many sites on the Internet where you can sell or advertise the services you are offering.
Thanks to the Internet, accounting and many office tasks can now be done online. This means that you really do not have to leave your home just to work as an office assistant, secretary, or bookkeeper for a certain person or company. If you have extensive experience in office management, you can be a true assistant to as many people as you can handle. Meanwhile, if you have accounting background, you can accept bookkeeping or auditing services. Another home business that you may want to delve into is business coaching or online marketing, particularly if you have an experience in these fields. …
Updated on December 1, 2017 by admin
There are proven steps that will guarantee that you get affordable health insurance quotes. We'll take a look at fail-proof steps in this article …
1) Adjust your lifestyle. There are lifestyles that will make it difficult for you to get affordable health insurance. If you do not exercise regularly you'll put on weight much more easily and then become an easy target for certain diseases.
If you also use tobacco products you increase the risk associated with insuring you. Smokers and other tobacco users are more susceptible to many diseases. Adjusting your lifestyle in such matters will help make it a lot easier for you to get affordable quotes.
2) Ask for higher deductibles. The higher your deductibles the lower your rates. However, make sure your deductible is within easy reach. You'll be expected to pay it first before your insurer will make out any payment.
3) Get a plan that is suitable. Although this may not lead to more affordable health insurance for many, it will for some. This is especially true if you're young and healthy and rarely ever need to see a doctor. In such a case, it will make perfect sense to leave more expensive plans and opt for more affordable plans like catastrophic health insurance. You'll be covered against sudden illness and injuries and you will not be paying for coverage you do not need.
4) Visit at least three quotes sites and obtain quotes from each of them. Make sure you input the same details in all of them. Compare the quotes returned and you'd have some of the most affordable health insurance quotes to choose from. …
Updated on November 23, 2018 by admin
Perhaps you're out and about and a shiny new item catches your eye. Of course, it's kind of out of your price range at the moment. You have some options.
· You could use your credit cards but that's not really a good idea. It could just mean more debt!
· You could borrow the money from family but you hate to do that. No one likes a moocher.
· There is one option available to you though. It is kind of a revolutionary thought in our day and age. You can save up your money, come back, and buy it! What a concept.
I will give you a few tips on how to save money. They're simple and easy. Here we go.
The Dreaded "B" Word
First thing you want to do is make a budget. Yes, that's right a budget. Budgets are important. They help you to see where and how you are spending your money. Once you have your budget figured out, you will be surprised how keeping an eye on your money will help you have more of it!
It will be an enlightening experience to see just how irresponsible our spending can be when not aware of just how we are spending.
Tips for Saving Money
Ok, now some simple tips on saving money.
· Instead of buying brand new buy used. For example, I buy used books when I can instead of new. It was really helpful when I was in college as far as textbooks were concerned.
· Instead of taking the car, use the bus. I use the bus whenever I can here in Hawaii. It's the best!
· Eat breakfast at the house instead of going to a fast food restaurant.
· Take a sack lunch instead of eating out.
– When you think about it, eating out is really a big hit to the pocket book for most Americans.
– Of course, it would be! It's convenient and it's fast.
– The problems is it costs, and the cost adds up over a week's time.
– It really is not good for health either.
· How could I forget the most famous way of saving money – coupons!
– If you must eat fast food, spend some time and find some coupons. Most fast food chains offer coupons, so take advantage of them.
· Collect your change.
– This works so well, that a bank has recently jumped on this. It is very simple. Only spend paper money. When you receive change, DO NOT spend it.
– I actually saved $ 2,000 one year using this method.
When it comes down to saving money, it really takes some discipline. Just make a decision to start and anyone can do it! There are tons of ways to save and a lot of guides that are helpful. I hope this one helped a little bit. …
Updated on November 10, 2017 by admin
If you want to be successful at marketing your tile business, you will need to turn to the internet as your marketing solution. Thanks to the fact that most people will search online before leaving their homes to make a purchase, you will find that your tile business can have a huge advantage over your competitors if you can turn to the internet for marketing.
There are many ways that the internet can help you market your tile business. The world of internet marketing is fast becoming one of the most competitive arenas in the world, and you will find that you will have to do a good deal of work in order to market your tile business online. However, if you are willing to do the work, you will find that marketing your tile business on the internet is the best thing that you can do for your company.
Step 1: Build a Website
The first step that you will need to take to begin marketing your tile business on the internet is to create a website for your company. You can have a simple website created, as it will just be the face of your company. If you want to truly succeed, you will find that a more advanced website will be advantageous and will help you to market your website more effectively.
The reason that a more advanced website will be more effective is that more people will be enticed to visit your website. The more people you can attract to your website, the more advertising you will be able to achieve. There are many aspects of your website that will lead to your success online, but nothing will be more important than having a website that is constantly being updated. The best way to have the ability to add new information to your website is to create a blog on your website. If you can post informational articles related to your tile business, you will be able to generate more traffic that will direct people to your site. The more people that visit your site, the more likely you are to receive customers.
Step 2: Internet Marketing
Once you have built your website, you will need to start trying the various techniques involved in the internet marketing game. There are hundreds of techniques that you can try, but here are some of the techniques that will be most effective in leading customers to your website:
Social media marketing is one of the most effective internet marketing techniques, and you can start driving traffic to your site through Facebook and YouTube. Facebook is the largest social network, and you can tell all of your friends about your website. Ask them to mention it to your friends, and you will start driving traffic towards your website. YouTube is a great place for you to post videos, and you can post some instructional videos on how to lay the different types of tiles effectively. Insert a link to your …