Ways to Survive Life, Save Money, Make Money

Google Scam Trying To Cash In On Michael Jackson's Death

2009-06-26T10:52:00.000-07:00

These Scam artist are good and quick They are using Michael Jacksons death to try and rip off more people Check out how http://bit.ly/wWE5G

They didn't even give it 24 hrs, pathetic

Do Not Order This CD You Will Be Disappointed See My complete review Here

Speed Up You Computer With These Simple Steps

2009-06-15T10:43:00.000-07:00

Computer running to slow for you? Before you run out and buy a new one try this.

Most people download and save so much information on their computer that before long the computer starts slowing down and the user has no idea what the problem is. However, even if you are not a computer whiz there are several things you can easily do to speed up your computer quickly and easily. Here are 7 quick things you can do that should help speed up your computer.

Defrag

One of the first things you should do if you want to speed up your computer is to defrag. This is something you can easily do and a wizard on your computer will help you defrag. You might want to do it overnight, however, because it can take a long time.

Spyware Remover

Download a good spyware remover. Most computers have a lot of spyware running in the background, stealing information and slowing down your computer. Remove it frequently if possible.

Empty Temp Internet Files

Most Internet browsers save your last visited web pages for up to 30 days. If you don't want all of those pages saved then change the days to one or two, or none, whatever meets your needs.

Turn off Active Desktop

When you turn of active desktop that will be one less thing using memory on your computer. Plus, you won't really notice the difference.

Antivirus Programs

Make sure you have a good anti-virus program and use it frequently. If you are deleting virus and preventing them from feeding on your computer then you will have a faster computer as well.

Uninstall Obsolete Programs.

In reality, obsolete programs, just like unwanted files, occupy hard disk space and could contribute to the PC's sluggish performance. But be careful. Do not just hit the Delete key. Instead, go to Control Panel, select
Add/Remove Programs, and then click "Remove" for the programs you no longer want.

Utilize Removable Media.

By transferring your pictures, audio, and video clips to removable media such as CD-RW discs, you can free your hard disk from the unnecessary burden.

Once you perform these simple tasks you will be amazed at how much faster your computer runs and with so little effort.

5 Minutes To Home Insurance Savings

2009-06-15T10:29:00.000-07:00

Here is a quick video on home insurance savings. If you haven't checked your homeowners policy in a while, now might be a good time to. You could have savings that you are unaware of. Pull out that policy and take 5 minutes to see if you can save.

How You Can Save Money Using Twitter

2009-06-11T16:13:00.000-07:00

Save hundreds of dollars a month using Twitter.

If your in tune like everybody else, you have heard of Twitter. Twitter is the latest social media tool. Everyone is getting in on it and sending "Tweets"

Because Twitter can be used as a huge free marketing tool, just about every business from Sears to Wal-Mart to you small local sub shop has a Twitter account. These business know with the large following they have they can quickly get the word out about any sales or promotions they want customers to know about.

So how do you save money with Twitter? Well its simple. If you didn't know you can type in a keyword on your Twitter home page search field. In this field, put in keywords to search on like coupons, deals savings, and things like that. You will find many ways to save money. Follow all of your favorite stores and restaurants and get alerted when money saving tweets are sent.

Follow me on Twitter

Watch this short video

How To Spot Foreclosure Rescue Scams

2009-06-10T07:26:00.000-07:00

The possibility of losing your home to foreclosure can be terrifying. The reality that scam artists are preying on the vulnerability of desperate homeowners is equally frightening. Many so-called foreclosure rescue companies or foreclosure assistance firms claim they can help you save your
home. Some are brazen enough to offer a money-back guarantee. Unfortunately, once most of these foreclosure fraudsters take your money, they leave you much the worse for wear.

Fraudulent foreclosure “rescue” professionals use half truths and outright lies to sell services that promise relief and then fail to deliver. Their goal is to make a quick profit through fees or mortgage payments they collect from you, but do not pass on to the lender. Sometimes, they assume ownership of your property by deceiving you, the homeowner. Then, when it’s too late to save your home, they take the property or siphon off the equity. You’ve lost your home to foreclosure despite your best intentions.

If you think you may be facing foreclosure, the Federal Trade Commission (FTC), the nation’s consumer protection agency, wants you to know how to recognize a foreclosure rescue scam. And even if the foreclosure process has already begun, the FTC and its law enforcement partners want you to know that legitimate options are available to help you save your home.
How the Scams Work

Foreclosure rescue firms use a variety of tactics to find homeowners in distress: Some sift through public foreclosure notices in newspapers and on the Internet or through public files at local government offices, and then send personalized letters to homeowners. Others take a broader approach through ads on the Internet, on television, or in the newspaper, posters on telephone poles, median strips and at bus stops, or flyer's or business cards at your front door. The scam artists use simple and straight-forward messages, like:

“Stop Foreclosure Now!”

“We guarantee to stop your foreclosure.”

“Keep Your Home. We know your home is scheduled to be sold. No Problem!”

“We have special relationships within many banks that can speed up case approvals.”

“We Can Save Your Home. Guaranteed. Free Consultation”

“We stop foreclosures everyday. Our team of professionals can stop yours this week!”

Once they have your attention, they use a variety of tactics to get your money:
Phony Counseling or Phantom Help

The scam artist tells you that he can negotiate a deal with your lender to save your house if you pay a fee first. You may be told not to contact your lender, lawyer, or credit counselor, and to let the scam artist handle all the details. Once you pay the fee, the scam artist takes off with your money.

Sometimes, the scam artist insists that you make all mortgage payments directly to him while he negotiates with the lender. In this instance, the scammer may collect a few months of payments before disappearing.
Bait-and-Switch

You think you’re signing documents for a new loan to make your existing mortgage current. This is a trick: you’ve signed documents that surrender the title of your house to the scam artist in exchange for a “rescue” loan.
Rent-to-Buy Scheme

You’re told to surrender the title as part of a deal that allows you to remain in your home as a renter, and to buy it back during the next few years. You may be told that surrendering the title will permit a borrower with a better credit rating to secure new financing - and prevent the loss of the home. But the terms of these deals usually are so burdensome that buying back your home becomes impossible. You lose the home, and the scam artist walks off with all or most of your home’s equity. Worse yet, when the new borrower defaults on the loan, you’re evicted.

In a variation, the scam artist raises the rent over time to the point that the former homeowner can’t afford it. After missing several rent payments, the renter - the former homeowner - is evicted, leaving the “rescuer” free to sell the house.

In a similar equity-skimming situation, the scam artist offers to find a buyer for your home, but only if you sign over the deed and move out. The scam artist promises to pay you a portion of the profit when the home sells. Once you transfer the deed, the scam artist simply rents out the home and pockets the proceeds while your lender proceeds with the foreclosure. In the end, you lose your home - and you’re still responsible for the unpaid mortgage. That’s because transferring the deed does nothing to transfer your mortgage obligation.

Fraudulent foreclosure “rescue” professionals use half truths and outright lies to sell services that promise relief and then fail to deliver.
Bankruptcy Foreclosure

The scam artist may promise to negotiate with your lender or to get refinancing on your behalf if you pay a fee up front. Instead of contacting your lender or refinancing your loan, though, the scam artist pockets the fee and files a bankruptcy case in your name - sometimes without your knowledge.

A bankruptcy filing often stops a home foreclosure, but only temporarily. What’s more, the bankruptcy process is complicated, expensive, and unforgiving. For example, if you fail to attend the first meeting with the creditors, the bankruptcy judge will dismiss the case and the foreclosure proceedings will continue.

If this happens, you could lose the money you paid to the scam artist as well as your home. Worse yet, a bankruptcy stays on your credit report for 10 years, and can make it difficult to obtain credit, buy a home, get life insurance, or sometimes get a job.
Where to Find Legitimate Help

If you’re having trouble paying your mortgage or you have gotten a foreclosure notice, contact your lender immediately. You may be able to negotiate a new repayment schedule. Remember that lenders generally don’t want to foreclose; it costs them money.

Other foreclosure prevention options, including reinstatement and forbearance, are explained in Mortgage Payments Sending You Reeling? Here’s What to Do, a publication from the FTC. Find it at www.ftc.gov.

You also may contact a credit counselor through the Home ownership Preservation Foundation (HPF), a nonprofit organization that operates the national 24/7 toll-free hotline (1.888.995.HOPE) with free, bilingual, personalized assistance to help at-risk homeowners avoid foreclosure. HPF is a member of the HOPE NOW Alliance of mortgage services, mortgage market participants and counselors. More information about HOPE NOW is at www.995hope.org.
Red Flags

If you’re looking for foreclosure prevention help, avoid any business that:

* guarantees to stop the foreclosure process - no matter what your circumstances
* instructs you not to contact your lender, lawyer, or credit or housing counselor
* collects a fee before providing you with any services
* accepts payment only by cashier’s check or wire transfer
* encourages you to lease your home so you can buy it back over time
* tells you to make your mortgage payments directly to it, rather than your lender
* tells you to transfer your property deed or title to it
* offers to buy your house for cash at a fixed price that is not set by the housing market at the time of sale
* offers to fill out paperwork for you
* pressures you to sign paperwork you haven’t had a chance to read thoroughly or that you don’t understand.

If you’re having trouble paying your mortgage or you have gotten a foreclosure notice, contact your lender immediately.
Report Fraud

If you think you’ve been a victim of foreclosure fraud, contact:

* Federal Trade Commission
* Your state Attorney General
* Your local Better Business Bureau

For More Information

To learn more about mortgages and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.

When It Comes To The Size Of Your Income

2009-06-04T19:19:00.000-07:00

Remember when it comes to the size of your income, it's not how big it is but how you use it.

So use the income you have wisely and you will find yourself having more of it.

Save Money On Vet Bills

2009-06-03T09:59:00.000-07:00

Veterinary care for 2008 is estimated at $10.9 billion, up almost a billion from 2007. With the economy tanking, jobs disappearing and the stock market down, many of us are postponing or foregoing veterinary care because we can't afford expensive treatments. It's time - past time! - to eliminate unnecessary products and services too many pet parents think are essential but may actually be damaging pet health. Here are some cost-saving ideas that will also make dogs healthier:

1. STOP VACCINATING UNNECESSARILY! No more vaccinating against diseases your dog is unlikely to catch and against diseases to which your dog is already immune. Not only is unnecessary vaccination a huge waste of time and money, the resulting adverse health consequences can ruin pet health and cost you a fortune in vet bills down the line. A simple blood test called a titer test is an excellent way to prevent over-vaccination.

2. FEED QUALITY FOOD. Although spending more for high quality food may seem a strange way to save money, it is your absolute best shot at long-term canine health and lower vet bills. Start feeding wisely and you may see allergies, intestinal problems, joint ouchiness and other ailments disappear. At the very least, stop feeding grocery store brands and switch from kibble to canned. Better yet, feed frozen raw or fresh cooked or raw foods.

According to Purina's 14-year study of 48 Labrador Retrievers, "lean-fed" dogs (receiving 25% less food than their littermates) eventually developed the same health problems as littermates as they aged, but needed treatment for ailments more than 2 years later. What was the secret to better health? It was not about feeding a particular brand, but rather about feeding to a healthy, lean condition. That is, don't leave food out all day and don't overfeed. Remember: fat dogs aren't cute; they're unhealthy and they're expensive.

3. BRUSH TEETH MORE OFTEN. Few things are more expensive, or risky, than dental procedures. Avoid them by feeding low-carb foods and by brushing your dog's teeth at least three times a week. Use a good paste meant for dogs (not Humans!) and use gauze around your finger or a super-soft toothbrush. By the way, kibble does not clean teeth. In fact, corn-laden kibble is actually bad for dental (and general) health.

4. STOP GIVING UNNECESSARY OR DANGEROUS DRUGS. Check out your dog's meds on-line (especially steroids and arthritis medications). If it's not mosquito or flea season where you live, why are you giving heartworm and flea meds? Do research to learn more about heartworm and flea life cycles and natural methods of pest control. Just make sure you get your facts from reliable, unbiased sources. Websites that look "scientific" are often fronts for manufacturers of pet meds.

5. GET FLUFFY A BLOOD TEST if she hasn't had one in the last year (or six months for senior dogs). Remember, dogs age faster than we do and a thorough blood test (with a chem panel) is the easiest (and sometimes the only) way to detect disease while it's still curable and cheaper to treat. Also test yearly for heartworms, whether or not you use meds.

6. STOP GIVING DANGEROUS TREATS that can perforate or lodge in tracheas or intestines. These include cooked bones, rawhide chews and poorly designed toys. Surgery for obstructions and perforations is very expensive and may come too late to save your dog's life. Beware, too, pig's feet and other too-hard chews that can be your dog's ticket to dental surgery to repair broken teeth.

7. PROTECT YOUR DOG FROM TOXINS AND POISONS. Wash paws after a walk on chemical-laden surfaces like city streets and salted roads. Learn your dog park's fertilization schedule and avoid the park when it's toxic. Also, never use toxic chemicals in your home or yard. Whatever gets on your dog's feet will end up in his mouth. Know, too, that trash can raids can result in an ailment called "Garbage Can Syndrome." And you'd be shocked at how much money is spent on inadvertent poisoning from snail, ant and rat bait.

In short, always think before you spend. Research drugs before you buy them. Don't automatically give shots or reorder meds or "prescription" foods. Consider alternatives. Ask questions. Become an educated consumer and trust your own instincts. You're your dog's only advocate. So advocate for better care and save money in the process.

Author's Bio
Jan Rasmusen authored Scared Poopless Find free dog care videos, audios, and articles at Jan's website Dogs4Dogs.com

Are You Still Keeping Your New Years Resolutions

2009-06-02T10:15:00.000-07:00

We are half way through 2009, are you still making good on those New Years Resolutions? If you are Great, keep it up, this article is not for you. For those of you who have followed through on your New Year's resolutions and done amazing things, you may want to check back in tomorrow.

For those of you that have not, lets call this halftime. Take a day or so to stop, step back and take a look at where you are, as opposed to where you planned to be at this point of the year.

If you're like many people, then exactly six months ago you were all excited about the new year and all the things you were about to do to make a change in your life. Different habits, different attitude, different relationships and, different outcomes.

Creating positive change in life has nothing to do with a date on a calendar and everything to do with you. Your attitude, determination, honesty, motivation, and discipline.

Here are a few tips to help you get back on track

Recommit To Your Goal
Verbally saying that you are going to accomplish something and doing it are two different things. A commitment backed up with action is the sure way to start accomplishing your goals. Start with small short term goals then move on to larger goals

Make Your Goals Specific, Measurable, and Clear
Goals that are written down, specific, clear, and measurable have a higher success rate than those that are not. You have to know exactly what you're going after, see the end result in your imagination, and have a time frame for completion.

When you state a goal saying, "I want to earn more money this year", how much more money do you want to earn? One dollar more is more money. Get very specific and clear on the goal that you're going after. For example, "I choose to save $5,000 dollars in the bank by December 31, 2009." That goal is clear, specific, and measurable. The purpose on getting clear and specific is so you can direct your mind to find the means to achieve the goal.

Create a Mini-Vision Board
Sometimes having something visual to look at can provide us with the motivation to take action. Try making your own mini-vision board. Cut out pictures from magazines that represent accomplishing your goal. Using a sheet of 8x11 card stock paper (leave about a 2 inch space at the top), glue your pictures in a collage fashion. At the top of your vision board, write your goal and the deadline you will complete it. You can place your board in a 9x12 picture frame and place it on your night stand or bathroom counter or simply post it on your bathroom mirror, refrigerator or other location where you will see it frequently.

Take Action
Lack of consistent action is usually the missing piece to success.If you have big goals, expect to take massive and bold action to achieve those goals. Everyday you should be taking some form of action towards your goals. If you're only able to do one action item toward your goal today, then you're already ahead of 97 percent of the people in this world.

Setting and achieving your goal shouldn't be that hard once you know how. All you have to do is review your goals regularly, break things down into manageable steps, make it measurable and take action

Your Car Will Run Longer With These Maintenance Tips

2009-06-01T20:32:00.000-07:00

I recently had a do and don't post on ways to save on your car to see that post Click here I wanted to follow up with some maintenance tips. These tips used in conjunction with the tips from my previous post should have your car running for as long as you wish to drive it.

With the technology that exists today, cars can easily top the 100,000 mile mark with many cars on the road exceeding 150,000, 200,000, even 250,000 miles.

By carefully and diligently following a maintenance schedule, you can extend your vehicle's life too. Let's take a look at several important maintenance steps you must take in order to avoid costly repairs and to help you hold onto your vehicle longer.

Regular oil changes - The 30 minute oil change specialists recommend that you change your oil every 3,000 miles or three months, while some manufacturers state you only need to change your oil once every 7,500 miles or six months. Opt for more frequent changes than lengthy manufacturer recommended intervals, but change your oil [and oil filter] every 3,000 miles if your car is subject to hard driving.

Change your air filter - Your engine will run better and cleaner if you change your air filter at least once per year; more so if you do a lot of "stop and go" driving or put on many more miles per year than average.

Rotate your tires - Evenly wearing tires will help ensure that your car stops properly and stays on the road. Have your brakes and shocks inspected too to avoid potential handling and control issues. Always maintain good tire pressure

Transmission fluid - Your transmission isn't guaranteed to run forever. Change your fluid at manufacturer recommended intervals, generally once every 30 or 60 thousand miles. Neglect it and face costly repairs and potentially fatal [to the car] consequences.

Drain the radiator - Periodically draining the radiator and replacing the antifreeze will help flush out rust and dirt particles that can clog up your cooling system. When the coolant's rust inhibitors get used up then corrosion will show up within the radiator as well as in the engine block

Change the spark plugs - Some manufacturers have installed long life spark plugs meaning that changing spark plugs once every 60 or even 90 thousand miles or more is a possibility. Keep in mind that the longer your spark plugs sit in place, the more difficult it may be to remove them later. Optimally, replacing your spark plugs once every 30 thousand miles is ideal.

Examine your exhaust system - Your muffler, catalytic converter, and remaining exhaust system parts can wear out. A poorly functioning exhaust system saps your engine of needed power.

Wash and wax - Yes, your car may mechanically run well, but if the body falls apart, then what do you have left? Regular washings and a once a year wax job should do the trick.

Other stuff - Replace your battery, fuel filter, PCV valve, belts, and hoses as needed and every other part that wears out. Sensors come and sensors go; usually you will only have to replace your knock or oxygen sensors if and when a problem arises.

Refer to your manufacturer's repair book for guidelines as to when to perform maintenance. The key to extending your vehicle's life is in doing the maintenance when needed to head off costly repair bills. Otherwise you will be neglecting your car to the point where it "dies" prematurely.

Google Money Kit Scam Latest Promotion Tactic

2009-05-31T20:06:00.000-07:00

Back in April, I had a blog post on the Google Treasure Chest Scam See article here and I am noticing the word is getting around about it. I'm quite sure they have notice too. They are now changing the name to Google Money Tree, making money with eBay, using the blogs, and other things.

I was surfing the net and came across the latest way they are promoting this scam. Check out this link they are now making it look like a legitimate newspaper article Click Here to see it

This is not a real newspaper. I am from Boston and there is no such paper. I am betting they are using the same ip address reading software as the blogs, or in this case the newspaper so it has a local appeal to it.

Improve Your Time Management In 8 Simple Steps

2009-05-30T13:25:00.000-07:00

In the early 1920's Wallace D Wattles wrote that 'we don't get rich by doing certain things .....we get rich by doing things in a CERTAIN way'

There are 86,400 seconds in a day and you and I have to know how best to maximise their use in an effort to balance all we need to get through .....every day. Agreed ?

This article will take you about 300 seconds to read...so what are you going to do with all the remaining 'free' time ?

At some stage in both our personal and business careers we all fall foul to poor time management.The reasons may be unavoidable but are often a valuable prompt that we are letting things slide and need to readdress the issue.

If you are experiencing a problem with balance in time management either at home or at work, there is a good chance that your problems may be caused by a difficulty in properly and prudently allocating your time. The good news, however, is that there are a number of steps that you can take to improve your time management.

In fact, 8 simple steps that you can take are highlighted below.

1 – Admit (at least to yourself) That You Have a Problem

Knowing that you have a time management problem is the first step in changing your behavior. Although it is typical to be late for work, or meetings and a social event on occasion, it is something that should not be happening on a daily or a weekly basis. If it is, it is time for you to realize that you may have address the issue.

2 – Decide To Change

Knowing that you have a time management problem is important, but wanting to change is even more important. You need to set goals for yourself, as these goals can help to provide you with a source of motivation. Sample goals include showing up to work on time for a whole month, being on time for all meetings or dinner dates, and so forth.

3 – Stick To Your Goals

Creating a number of time management goals for you to meet is advised, but it is important that you don’t give up right away or when you are faced with complications. Setting goals simply just isn’t enough, you need to stick with them and modify them to suit.

4 – Create Daily Task Lists

Creating a to do list for yourself is an easy way to properly manage your time. In fact, it is one of the easiest approaches that you can take. Outline what you need to do throughout the day. Be sure to list your tasks in order of importance and finish one task completely before moving onto the next.

5 – Rely On Time Management Tools

Properly managing your time is important, but it can be hard for many individuals to get used to, especially right away. If you are one of those individuals, you will want to consider using time management tools to your advantage.

Setting up a simple time schedule may go something like this......... (delegate where possible)

Check your e mails at set intervals throughout the day and don't be tempted to have a quick look, as this will distract you from other important 'To Do' elements.

Apply the same logic to making telephone calls to avoid any unnecessary distractions. Make all outgoing calls within a specific time frame - where possible.

If you regularly hold or attend meetings try to schedule them for afternoons, as you will be more relaxed, after you have all the 'important' tasks completed.

Handle all pieces of mail or documents only once where possible, or if it is something which doesn't need to be done right away - place it in your 1 - 31 day file.

6 – Learn How To Say No

In all honesty, there are times where you may not be able to refuse a project at work or a task at home, but try to not take on more than you can accomplish. If you must, look into using outside help. In your business or the workplace, this outside help can come from another company, someone you met at a networking event or look at doing a skills exchange like..........you may be able to provide a service in return for whatever.

Rather than trying to do it all yourself - sometimes all you have to do is ......ASK!

7 – Get Organized

Organization is key to being able to properly manage your time. If you are disorganized, you are likely to waste a large amount of time. For example, in your office space you can waste time by searching for lost or misplaced documents. The same can be said for the home; if you are unorganized, you can spend hours searching for phone numbers or contact details etc.

8 – Consider Hiring Professional Help

As previously stated, if you are overwhelmed at home, you may want to call on a professional house cleaner or gardener or use the Superstore home delivery services it doesn't matter what tricks you use to free up more time.

There is no one size fits all solution, just find and use systems that are right for you and it can make such a difference in how you get through the day.

Quote: "An optimist sees opportunity in difficulties whereas a pessimist sees difficulty in every opportunity presented"

Start Saving To Become Financially Free

2009-05-30T13:05:00.000-07:00

Saving money is one of the single most important steps to achieving most of your financial goals, and becoming financially free. The sooner you begin to save the better off you will be later.

Having a savings account in place can also serve as a form of protection during a financial crisis. A financial crisis could include any of the following:
• Job Loss
• Unexpected expenses (i.e. auto repair or medical expense)
• Death of a family member

At the core of building adequate savings is debt avoidance. Saving money serves as your cash reserve or safety net when you need it. The key is to have it in place before the need arises.

How Much Should You Save

The rule of thumb is to save a minimum of 10 percent of your take home pay in addition to your retirement planning contributions. By doing this on a regular basis, you become used to it and you learn to manage your daily, monthly expenses with what is left over. If you are able to save more then 10 percent, you should do so.

It is also recommended that you have 3 to 6 months worth of expenses saved up as your emergency fund. This amount includes all expenses, fixed and unfixed. For example, if in January you spent a combined total of $2900 on your mortgage, car note, utilities, insurance, food, credit card bill, and other expenses, then you would need to multiply $2,900 x 3 at the minimum. This means you should have between $8,700 and $17,400 saved up for emergencies.

Unfortunately, the sad reality is that many people live paycheck to paycheck with little or no savings. This is not good. You should work to build your reserve as fast as possible.

Automate Your Savings

Most payroll providers such as ADP and Paychex provide an auto transfer feature directly to your savings when you get paid. For example, if you elected to transfer 10 percent of your after income to your savings on payday, 90 percent of your after tax dollars would go into your checking account and the remaining 10 percent would go to your savings account. It’s that simple. You eliminate the guesswork and don’t have to worry about it.

Start As Early As You Can

In order to truly become financially free, you will have to start saving at some point in your life. Ideally, you should start in your twenties. Understandably, income level at that age will not be as much as someone in their fifties. The key is to simply start where you are. As time progresses, your income level will increase in direct proportion to your experience and educational advancement. This means that your ability to save more will increase as well. It is recommended that you start out saving 10 percent of your after tax income. As you get raises and bonuses, if you stick to the same 10 percent savings, over time, your savings level will grow and grow.

There are several benefits of starting to save at an earlier age. However, the primary reason is that you have time on your side. The sooner you begin, the more you will be able to accumulate over time. This protects you when emergencies arise. By building your savings now, you will have a larger nest egg available when you need it.

There are three primary factors that determine your savings accumulation levels:

1. The amount you save.
2. The interest rate of return.
3. The length of time you save.

Time is what can work for, or against, you. Therefore, the sooner you start, the better.

Tips on Saving

Growing your savings can take time; therefore start as early as possible. The amount doesn’t matter in the beginning. Just start some place and be consistent. Condition yourself into not missing or needing that amount. Over time, your savings will grow due to your diligence. Here are some tips on saving to get you started:

• Save a minimum of 10 percent of all after tax income.
• Use the direct savings account deposit feature offered by your payroll provider.
• View your savings as another bill that has to be paid.
• Whenever you get a raise, increase your savings amount by a half percentage point or more.
• Save 10 percent of all cash gifts you receive.
• Once you pay off a line of credit (car note, credit card, or mortgage), continue to pay that same amount toward your savings.

Time To Renegotiate With Your Service Providers

2009-05-28T16:30:00.000-07:00

Are you noticing all the promotions on TV these days? Well take advantage. Look at the services you use and see if you can renegotiate a better deal for yourself.

Get on the phone. Call your cable provider. Let them know you want that promotion they are currently running in the case of Dish Network for example. Are you using one company for phone another for Internet and yet another for cable? You should be able to find a company that can bundle some if not all three of these services.

Call your Credit Card Company, Insurance Company. Massachusetts recently change the way auto policy premiums are calculated. They were previously set by the state. There is now free competition. I called around for a better rate, decided to stay with my company as the amount were basically the same. But by comparing, I found out my insurance company gave a 5% loyalty discount on the policy for being a customer for over 5 years. I had no clue they had a loyalty discount.

Call your Cell Phone Company, if you have been a long time customer you may be able to get some type of discount or perk. A lot of service companies will do this you just have to pick up the phone and ask.

In this day of the cell phone I don’t know why anyone would use a landline phone. If you do feel you want one go with magic jack... It will cost you about $20 for the year and works like a regular landline phone. I did a review complete with video. To see that blog post Click here.

Now get a list together of all the services you use. Find out if any of them are running promotions to get new customers. If so, call them and negotiate that rate for yourself. Even if there are no promotions talk to them and ask them what can they do for you to keep you as a customer

What Is A Recession

2009-05-28T14:39:00.000-07:00

According to the Merriam-Webster site a recession is, a period of reduced economic activity. There is more to a recession than that. Why do recessions happen, what are the factors to cause one? What is the impact of a recession? Why do politicians have such different ideas on how to get out of one? These are all questions that have no absolute answers. The best we can do is understand when we are heading for or are in a recession. The more you understand what is happening the better off you will be to survive one.

This video has some good information on what a recession is and the impact on individuals and the economy.

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Old Check Cashing Scam Working Its Way Back On The Internet

2009-05-27T17:58:00.000-07:00

I just heard about an old check cashing scam that is starting to make its way back on the Internet. This is because of the state of the economy and the high unemployment rate. This is an old scam and has been around since 2005 or sooner but in tough times people get desperate, and dishonest.

The scam basically works like this. The scammer places ads on job boards Monster Craigslist etc. looking for a money transfer agent or something like that. I even heard about an ad on Craigslist that was for a driver. It is usually always a foreign company. After accepting the job you are overpaid. You are then told to wire the difference of what you were expecting and the overpayment back to them. They are also trying to trick people by promising lottery winnings, posing as a foreign business looking for partners or as a work-at-home opportunity. The bottom-line is always the same: They send you a check, you cash it keep a percentage and wire the rest back to them.

I always suggest researching any company you are considering working for. Also if this does happen and you are overpaid, I would advise sending them the check back. The key to knowing if you are a victim of this scam is if you receive a check and are asked to cash it and wire a portion back to someone. That is the red flag.

You have to be very careful now. With the poor economic state, more and more people are running scams online, as they know people are getting desperate. Google everything especially if you are about to spend money or give someone your personal information.

Assume any work-at-home job that involves depositing payments and sending funds is a scam

Are You Making Money On The Internet Yet

2009-05-27T15:30:00.000-07:00

Starting a home based business is a fantastic way to earn additional income part time or full. You can build a six figure or higher residual income using your home computer and a few hours of your spare time each week. It is estimated that each day nearly 200,000 new people log on to the internet for the first time. Many of these people looking for a home based business.

Some of these people will go on to create a full time income equal to or exceeding their current pay from their jobs. You need very little capitol to start a home businesses and you can work the hours that are best for you.

Developing an opportunity mindset is key to your business success. Your business success is largely determined by your thoughts. If you believe that you can be successful in your business you will be. Henry Ford once said " if you believe you can or you can’t you are right."

Self-motivation and keeping an optimistic perspective is vitally important. You must possess the desire to succeed and take action everyday regardless of what obstacles you encounter along the way.

Your level of success depends on the time and effort you are willing to put into your business. To reap the greatest return on the time you invest you must keep a positive outlook and maintain the belief that you will eventually succeed.

The author Norman Vincent Peale once said, "We tend to get what we expect." Are your expectations for your business ones of abundance and reward for work well done?

Everyday you must plant mental seeds of prosperity into you mind and nurture them. We become what we think, therefore develop the thoughts that will create the life you want to live. The key difference between a successful person and an unsuccessful person is their habits.

Develop the habit of being a power of intelligence and positive expectancy in your business and interactions with others. Cultivate patience and practice the work habits that will get you the results you desire.

Your mind is goal-seeking mechanism. Set large goals for yourself and others and work daily on achieving them. The purpose of setting goals is for you to decide exactly what it is that you want. You must clearly understand where you want to go before you can expect to arrive there.

The philosopher Aristotle wrote that all behavior is "teleological" or purposeful- aimed at a goal. The one factor that governs your actions is your desire that you would be better off than you would be in the absence of your actions.

Stay positive and focused on your home business continually reminding yourself of your purpose. What ever we focus on becomes our reality. Continually focus on where you want to be and that is the direction you will go.

Unemployment Tax Planning Guide

2009-05-27T09:09:00.000-07:00

If you’re unemployed, you have got a lot of company out there. Along with the stress of unemployment, there are some tax traps that could make your financial a lot worse. Here are some things to think about while collecting your unemployment benefits.

* Unemployment Income Is Taxable. Yes, the tax man wants a cut of the action even when you’re unemployed. The easiest way to handle the taxes is to have them withheld just like a paycheck. I believe there is a exemption on the first $2400.00 in 2009.

* You Kill Your Golden Goose When You Raid Retirement Accounts. The last accounts you want to tap are your retirement accounts for several reasons. Since the amount you take out is taxable, the IRS requires that 20% be withheld to cover the taxes.So, if you request $10,000, you’re only going to get $8,000. Since the $10,000 would be added to any other income you have for the year, you may be pushed into the next tax bracket (see Marginal Tax Brackets) and the $2,000 may not even be enough.

PLUS, there will be 10% penalty that can’t be reduced by any other credits.Your state will tax the income and may also charge penalties for withdrawing early.

* IRAs can cover certain expenses such as re-training expenses paid directly to a qualified educational institution, health insurance premiums or even early retirement. Check with your tax preparer and/or financial advisor.

* Debt Settlements are taxable unless you fall into certain categories. So, if you have a $10,000 balance and pay it off at a reduced amount, you’ll receive a 1099-C for the amount of debt that was canceled. Be sure to take this document to your tax preparer. There are some special rules for debt that is canceled through foreclosure. Debt discharged through bankruptcy are not taxable.

* 401(k) Loans are taxable if you leave your job (for any reason). If you borrow from your 401(k) and are laid off or leave for any reason including disability, your loan becomes due immediately. If you are unable to pay it back, it will be considered a distribution and you will be taxed on it and pay the 10% penalty. However, you would have received the entire amount requested with no taxes withheld like the above example. Therefore, you will have to come up with all the taxes and the penalty on your own.

Before you start taking money out of accounts, meet with your tax preparer and do some tax planning to make sure you don’t cost yourself money in taxes, fees or penalties.

Mystery Shopping - An Excellent Way To Make Extra Money

2009-05-26T15:23:00.000-07:00

Here is a great article I found on Mystery Shopping. Mystery Shopping is becoming increasingly popular because of the tough economy. If you need to make some extra money and want to give mystery shopping a try, read this article. It will give you everything you need to know.

Mystery shopping (sometimes called secret shopping) is an excellent way to make extra money. It is very easy to do, you need no previous experience, no special knowledge and no expensive equipment. Mystery shopping can be performed by anyone who is able to go shopping. The mystery shopping companies employ men and women of all ages and descriptions as secret shoppers in order to obtain feedback from a wide range of different people on a wide range of services. Some mystery shopping assignments have to be undertaken by people who are accompanied by children in order to report back on specific facilities in places such as theme parks or family restaurants. (If you don't have children of your own in the right age group, don't worry: you are allowed to borrow them from relatives or friends.) If you enjoy shopping, mystery shopping will be a fun way for you to make extra money.

Mystery shopping consists of getting paid to go into a business (eg a shop or restaurant), without the employees knowing that you are anything other than an ordinary shopper, and reporting back to the mystery shopping company. A focus group is when you get paid to sit down with other people who are also getting paid and discuss new products or services, many focus groups are actually held online, so you don't even have to leave home for carry out the assignment.

The reason mystery shopping companies and survey companies exist is to provide companies with impartial feedback on their employees, products and services. That way they can see where there might be problems and make the necessary changes to improve things.

Mystery shopping companies will pay you to shop, eat at restaurants, have a drink at a bar, visit the cinema, take a trip and take part in focus groups. If you are sent out to do mystery shopping, you might be required to visit a particular shop and just make enquiries about an article to test the staff's customer service level but, if you are instructed to make a purchase, you are allowed to keep the articles and will be reimbursed for the cost. If you are sent to do mystery shopping at a restaurant or bar, you will be given a budget figure to spend on your food and drink and that money will be reimbursed to you by the mystery shopping company on top of your fee for the assignment. You might be asked to sample new products and these items will be sent to you free of charge. As part of your mystery shopping, you might find yourself receiving free samples to test of anything from detergent to chocolate. (This can also happen if you join survey companies.)

Mystery shopping jobs are obviously easier to find if you live in or near a fair sized town where there are a large number of shops, restaurants etc but, if you live in a rural area, you can still earn money taking part in online focus groups which can be found through online paid survey companies.

After you do a mystery shopping assignment you answer some questions on a form provided by the mystery shopping company and file your report with them. These reports are usually set up as a series of questions with a box for you to add any relevant details the company might request. The reports can usually be completed very quickly and it is best to complete your report straight after you finish your mystery shopping so that you don't forget any detail. Some mystery shopping companies require you to report to them by phone immediately after you have completed the mystery shopping assignment but, generally, the companies expect you to submit a written report by post or email.

The way to approach mystery shopping is to remember that basically you are like a reporter. You must never add your feelings or recommendations to a mystery shopping report. Your job is to just answer the questions, report the facts and describe what actually happened during your mystery shopping expedition.

If you accept a mystery shopping assignment but then are unable to complete it, make sure you immediately notify the mystery shopping company so that they can make alternative arrangements to avoid letting down their client.

When you start doing mystery shopping, make sure you accept all suitable assignments including last minute jobs and any less than glamorous assignments you might be offered. The top class assignments will be offered to reliable mystery shoppers so you will need to prove yourself and build up a good reputation by making a good job of the lower quality assignments and getting your report in on time. At the start, you might find yourself being asked to do mystery shopping a the local fast food outlet or department store. Once you build up a reputation as a reliable mystery shopper, you can look forward to assignments where you are paid to visit expensive restaurants and designer shops. You might even be lucky enough to get a free trip and hotel accommodation as a mystery shopper.

Always keep in mind that, although mystery shopping is a fun and easy way for your to make extra money, it is a business and you need to behave in a businesslike manner when carrying out your mystery shopping assignments and reporting the results to the mystery shopping company. Your mystery shopping reports will be helping to shape the future of the businesses you visit and you have the chance to make a positive impact on decisions relating to improvements to services and facilities which will be of benefit to you.

About the author:

Elaine Currie has a Work From Home Directory and Auto Surf Review at her Plug In Profit Site: www.Huntingvenus.com for people who want to make money at home.

What Fees To Expect When Refinancing Your Home Loan

2009-05-26T08:02:00.000-07:00

Refinancing can save you thousands, especially if you have several years left on your mortgage. However, you can also choose to refinance simply to tap into your home's equity or reduce your monthly payments.

"How much will it cost?" is a common question for homeowners considering refinancing their mortgage. While costs vary between lenders and loan amounts, the following will give you some guidelines to help you compare financing companies and their offers.

New Home Loan Fees

When you refinance, you are getting a new loan and paying for all those fees again. Fees, including application fee, appraisal fee, survey costs, attorney review fee, title search, and home inspection, will usually add up to around $1000 and $2000. That is in addition to the loan origination fee, usually 1%, and any additional points.

Some lenders offer zero point loans and low refinancing costs but with higher interest rates. These types of financing packages make sense if you are concerned about initial costs and are willing to spend more over the course of your loan.

Loan Points

Each point equals 1% of the loan, which is due at the loan's signing. So a point on a $100,000 loan would be $1,000. Besides the loan's origination fee of 1% or more, you can also purchase lower interest rates with points. If you plan to stay in your home for over seven years, then you can probably save money with lower interest payments.

Locate Lower Costs

You can also sometimes locate a lower cost for your mortgage by comparing companies. The easiest way to do this is to request quotes online to compare interest rates and fees.

You can also sometimes negotiate a lower interest rate or closing cost with your original mortgage company. It helps if you can tell them that you have found a better offer with another lender. But sometimes other lenders will have the better deal.

Different Loan Terms

A shorter loan term or a fixed rate mortgage can also save on long term interest costs. By picking a 15-year term loan, you can nearly cut your interest costs in half. You can also protect yourself from rising interest rates with an adjustable rate mortgage by converting to a fixed rate mortgage.

Understand Credit Cards, Get The Most From Your Credit

2009-05-23T09:16:00.000-07:00

Most of us use credit cards extensively month to month and almost as many people don’t use them to their full advantage and end up paying way more interest than they should. Here are some credit card tips on how to keep on top of your credit cards and get the benefits you’re entitled to.

Credit Card Do’s

Pay off your credit card in Full
It goes without saying that everyone should make their credit card payments by the due date and in full, if possible, to avoid paying any interest.

Always pay At Least the Minimum Amount
If you don’t you’ll be charged non-payment fees as well as interest. If you always only pay the minimum amount however, it’s a sure sign that you are living beyond your means and that perhaps you need to re-assess your spending habits. The interest charged on your credit card will really add up over time.

Pay your credit card automatically
Organize to pay monthly without having to think about it. Arrange this with your bank if your cash flow permits, so you never miss a payment. Make sure you have enough funds to cover the payments though, or you’ll be charged late fees and interest.

Check your statements
Make sure all purchases are in fact yours and that you’re not paying for someone else’s purchases! It’s more common than you think.

Tick, Tick, Tick
Keep all of your receipts together and tick them off your credit card statements each month then file or throw away (depending on whether or not you may need them for product returns or tax purposes).

Make notes on your statements
Write short descriptions of your purchases on your credit card statements and highlight items for tax. Don’t leave this too long – it’s too hard to remember later.

Make the most of your interest-free period
Many credit cards offer an interest-free period, often up to 55 days. If your statement period runs from say 1 November to 30 November, you will receive more interest-free days if you purchase goods early in the month, whereas fewer interest-free days will be left if you make your purchase at the end of the month. Just make sure you pay off the closing balance on your card in full by the due date to get the benefit.

Try a low limit
Consider reducing the limit on your credit card if you don’t need it. Not only will it take away the temptation but it will improve your financial position in the eyes of your bank if you go for say, a home loan.

Don’t bury you head in the sand
Talk to your bank or financial institution if you are having trouble paying off your credit card to see whether you can organize a payment schedule that works for you.

Choose a card to suit your spending habits
Choose a credit card that is right for you. If you plan to pay off your balance each month, you may not be concerned about interest rates. Therefore you might want to concentrate on things like fees, and rewards programs. If you don't think you'll pay off your card in full every month, you will probably be more interested in a card with an attractive rate of interest.

Load Up
Pay for as many expenses as you can through your credit card (including big ticket items if your limit allows) to build up Reward Program points - but only if you can pay the whole balance off in full each and every month.

Shop Around
There are many different types of credit cards available from banks and other financial institutions, so shop around. When visiting credit card providers and asking about the cards they offer, asking the following questions to help you weigh up the pros and cons of each card:

What is the interest rate?

Is there an interest-free period and if so, how long is it?

Is interest charged from the date I make the purchase or from when the statement is issued?

How much of the balance do I have to pay back by the due date?

Is there a reward scheme, and if so, what rewards are offered and what is the cost of the rewards program?

What are all of the fees and charges associated with this credit card?

If I have any other accounts with this bank, do I get any rebates on my credit card?

How widely is the card accepted (i.e. within Australia and also around the world)?

What charges will I incur using the card overseas and what exchange rate will be used?

Does the card offer any other benefits?

Can I have additional cards on the account? What fees would be charged for this?

Do I have any protection if goods or services I've paid for using this card are defective?

Credit Card Don’ts

Don’t go over your limit
You will be hit with large fees for this as soon as you do.
Don’t have too many credit cards
Reduce the number of credit cards you have to reduce the amount you pay in annual fees and the amount of time you have to spend managing them.

Don’t accept offers to increase your limit
If you don’t really need the extra credit, say thanks but no thanks. Be honest with yourself - could you really resist spending extra?

Don’t keep using a credit card if you can’t resist spending

If you know you can’t afford to buy anything on credit card and if for example, you have a shopping addiction, do yourself and your family a favour and cut your credit card up! It’s not worth the emotional and financial stress.

Don’t use Cash Advances!

Most banks will charge a fee for a cash advance, as well as charge interest from the day you get the cash i.e. there is no interest free period like there is for normal purchases.

Don't use your credit card for long-term borrowing
Credit cards are not a cost effective way of funding long-term borrowing. If you have a few debts such as credit cards, leases, car loans and a housing loan, speak to your bank about consolidating your debts under one umbrella credit product. This way, instead of paying a higher rate of interest on your credit card, you will pay interest at home loan rates, which are usually much lower.

Don’t be sucked in by Rewards
If you don’t think you’ll be able to pay off a credit card every month in full don’t sign up. The interest you will pay will more than likely outweigh any rewards you may get.

How To Save Money On Summer Vacations

2009-05-23T08:35:00.000-07:00

Summer can be one of the most expensive times of the year to travel – especially if you are on a tight budget. With gas prices higher than ever and many destinations only offering peak season pricing, many families are struggling with the task of planning a fun vacation without putting a serious financial strain on their bank accounts.

With a little advance planning, creativity, and research, families can enjoy vacations that create a lifetime of memories rather than a lifetime of bills. Follow these tips when planning summer vacations this year:

Plan ahead. Planning ahead for a vacation is one way to find great savings. Some hotels or resorts will offer discounts well in advance, or if you book a vacation while on vacation. For example, does the family make the same trek to the same beach every year? Take advantage of beneficial travel rates by booking the vacation 10-12 months in advance. Don’t have that much time on your side? Be sure to invest time into researching the best airfares, hotel or resort accommodations before booking your vacation.
Start a vacation savings plan. Start a vacation fund and commit to “pay” into it every month. Consider the destination before determining the monthly savings amount. Going to favorite family spot? Try to get an idea of the total cost, but keep in mind that the amount may be much higher than you realize. Making a first-time trip to an extraordinary destination such as Walt Disney World? Conduct some online research to get an accurate portrayal of all of the costs involved – airfare or gas, overnight accommodations, ticket entrance fees, entertainment, etc.
Go “the extra mile” in your homework. Look for accommodations that are outside of the main part of town if that is possible. You can usually find a better deal on a hotel that is not right in the downtown area but still has easy access to the comforts of the town. Many urban areas feature mass transit networks that extend beyond downtown areas.
Sign up to become a member of…. Joining a membership club such as the American Automobile Association (AAA), will give you access to big discounts at a number of attractions and destinations. Also, if you are traveling with grandparents, see if they have access to discounts through the American Association of Retired Persons (AARP).
Have a meal plan. One of the biggest expenses on vacation can be the cost of food. Three meals a day plus snacks times four family members can quickly add up. Plan your meals ahead of time. Decide how many nights to eat out versus eating in. When making hotel reservations, try to get a room with a kitchen or at least a refrigerator and microwave so that you can bring along meals and beverages. Can’t get a room with a kitchen or kitchen appliances? Consider packing non-perishable snacks, breakfast items, and beverages.
Limit souvenir shopping. Make a list of people for whom you MUST buy souvenirs and put some money aside for small gifts, like the house or pet-sitter. But if you are merely looking for a way to share your vacation experiences, consider taking a family picture and sharing copies with family and friends

Use this as a guide to have more fun on vacation, and less time counting your money

Ways to Save Money in 2009

2009-05-23T08:21:00.000-07:00

CNBC’s Sharon Epperson on how to build your savings in these tough times

Visit msnbc.com for Breaking News, World News, and News about the Economy

The Google Tree, Google Treasure Chest Scam Is Still Out there

2009-05-20T09:04:00.000-07:00

I had a post earlier about making money with Google Treasure Chest. I ordered the CD and wrote a review of what was on the CD. To see that post Click Here

Right now this Google Tree scam is morphing into different but similar websites. Along with using Google Treasure Chest, they are using Google Money Tree, Google Money, Google Business Kit are a few. Google is always in the name. They are also using blogs with programming that makes the blog owner appear local. If you live in Iowa the blog owner will have a Iowa address to make you relate to them and more likely to order.

The key is if you are redirected to a landing page to order a CD for $1.95 - $2.95 and that landing page says anything about making money with Google on it, most likely it’s a Scam.

Stay away from this. This is a membership based website. I doubt they have anything of value to offer for the monthly cost.

Read my review HERE Read the terms of service before you do anything, and my advise is to not even bother with it.

How To Use Google Calculator

2009-05-18T14:45:00.000-07:00

Have you ever been doing something on the web and needed a calculator? Did you know you could use Google as a calculator? Here is a basic guide of how to use Google calculator. It’s easy and convenient to enter an equation into the Google search box and get an answer right in your Web browser. This why Google is Google, they have so many creative and useful ideas I have included a video so you can see it in action

Basic Calculations
To use Google as a calculator, all you have to do is enter your equation or formula into the search box and then click the Google Search button. The result of the calculation is displayed as shown, simple.

For Addition enter +, plus, or the word and
For Subtraction enter –, minus
For Multiplication enter *, times
For Division enter /, over
For Exponents enter to the (for example 2 to the 4th)

Here is an example, to add 2 plus 3. You would enter the following equation into the search box: 2 + 3. You can enter this with or without spaces. Click the Google Search button and you get your results.

If you want to divide 91 by 7, enter 91 / 7.
If you want to multiple 12 times 5 divided by 4, enter 12 * 5 / 4.

You can also created nesting equations by using appropriately placed parentheses. To divide the sum of 4 plus 3 by 5, you’d enter (4 + 3) / 5.

Google recognizes English-language queries as well as proper mathematical ones. For example, you can type 2 and 3 or 7 times 6 or even (4 plus 3) over 5.

Advanced Calculations and Constants
Google’s calculator isn’t limited to basic addition and multiplication. It can also handle more advanced calculations and functions. Google also knows a variety of mathematical and scientific constants, such as pi, Avogadro’s Number, and Planck’s Constant. It also knows the radius of the Earth, the mass of the sun, the speed of light, the gravitational constant, and a lot more.

To find the speed of light for example Enter speed of light,
Google returns 299,792,458 m/s.

For the radius of the earth Enter radius of earth,
Google returns 6378.1 kilometers.

To divide the radius of the earth by pi. Enter (radius of earth) / pi;
Google’s answer is 2030.21229 kilometers.

To multiply the radius of the Earth by the speed of light and then dividing the answer by Avogadro’s number enter (radius of earth) * (speed of light) / (avogadro’s number).
The answer is 3.17512652 × 10-09 m2⁄s.)

The next time you need to make a quick calculation you will now know how to use Google’s search bar as a calculator.

Want To Save Money First Know Why

2009-05-18T11:51:00.000-07:00

Quick Video on saving money, basic money saving information