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Posts Tagged ‘saving’

Stop Throwing Away Your Money!

May 28th, 2018 Comments off

“What I am about to share with you makes so much sense that you will probably get mad that no one ever mentioned it to you before now.”

Perhaps, Sam Walton said it best, Capital is not scarce vision is.

John Q. Adams wrote in 1829 that,

All the perplexities, confusion and distress in America arise from downright ignorance of the nature of coin, credit and circulation.

Well, people are still perplexed today, by the same thing John Adams referred to when he wrote that statement back in 1829! All this is because the population has been kept in the dark about how banking really works. This is not an earth shaking thing. The disease of money and banking can be found throughout the Unites States. John Maynard Keynes had this to say:

There is no subtler or surer means of overturning the existing basis of society than to debase the currency. The process engages all the hidden forces of economic law on the side of destruction and does it in a manner which only one man in a million is able to diagnose.

If Keynes a widely recognized economist of his time said it would take one in man in a million to be able to recognize this problem, don not kick yourself too hard because you did not recognize this before now. But do take a deeper look at reality so that you will be able to recognize the facts so you can stop throwing money away.

This is a different way to think about things, people regularly bid goodbye to 30% to 40% of every dollar they earn (that is after taxes.) This is because everything we purchase has a financing cost. That is correct! This is why; either people use money belonging to someone else and have to throw away their money to pay the interest, or they pay cash outright and lose all the interest that their money could have made for them. Both ways can be depressing. This is the banking equation revealed!

But you know, it does not have to be that way. It has been proven time and time again, that the method of using life insurance cash values as a personal banking system works. By Becoming Your Own Banker, utilizing the Infinite Banking Concept as explained by R. Nelson Nash, you can capitalize on your own debt just like the banks and financial institutions do right now, only you will be the winner this time around not them.

Dr. Tom McFie of Life Benefits, Inc. is recognized as a personal financial coach.Utilizing the Infinite Banking Concept he has helped hundreds of people and business owners recover 30-40% of what they currentley spend.

Frugal Living is Easy and Saves Money

December 17th, 2017 Comments off

There must be a million different paths to frugal living so the following are just the tip of the iceberg. To find more, you can always search the web or look through my website which have a ton of information on frugal living and saving money.

Airflow helps much more than air condition. It’s tempting to just turn on a/c but if you open the windows on both sides of the room, the temperature cools right down.

There are many free magazines around the web so you really don’t need to pay for most of them. Just search the web for free magazine offers and they will probably give you a complimentary one year subscription.

Cancel your land line because you don’t need it. Cell phone work just as well these days and unless you fax multiple times a day, staples or kinkos will do the trick for fractions of the cost.

Did you know that there are promotions from ebay that let you list items for free? You can save so much money off your listing cost which only improves your ROI.

Coupons are everywhere and you are crazy not to look before you buy online. Some give free shipping, some give bonuses and some even give deep discounts.

Don’t sell those free printers. To be honest, there are so many printers for sell these days that you won’t get much for it, not to mention that ink is ultra expensive. In order to save, you can just install the new printer, use the ink and sell the printer without the ink afterwards.

Shipping boxes are annoying to keep around the house but they are very useful when you resell your item. You may think that it’s not much money but small costs really add up.

Buying forever stamps at Costco in bulk will actually save you some money. It may not be the most efficient but it will save money for sure.

Go to garage sales and see if you can find something that you can reuse. Someone else’s trash could become your treasure. I know someone who regularly does this and her house is beautiful.

Washing machines are loud but they also use up a ton of energy. To save and waste less, just group your clothes together and do a bigger load instead. You will probably find that you can save some time as well.

Frugal Living lists ways to save more money. Personal finance guru shows you how he saves money by find promotion and promotion code.

Discount Auto Insurance-Don’t Be Fooled

June 27th, 2017 Comments off

Discount auto insurance is relative to how much you are willing to spend for a particular amount of coverage. What most people don’t get is that by buying the cheapest insurance policy you may be doing an injustice to yourself.

You should pay more attention to the coverages that are offered and the change in price between them. One of the easiest ways to accomplish this is to speak with an insurance agent. The agent will have the capability to see how much a policy costs at different levels of coverage.

When dealing with agents you should know that there are two types. Independent agents, who can provide policies for multiple companies. Or captive agents who only provide policy for one company. An Allstate agent would be an example of a captive agent. Both have there advantages and disadvantages.

Once you decide to speak with an agent always ask what auto insurance discounts are available to you. If you weren’t aware most agents work on a commission basis, so they might not always add on all the discounts that are available if you don’t ask. Once they add the discounts for you be sure to ask if there are any additional discount you could get.

One other way to get cheaper car insurance is to increase your collision deductible. The standard most people have is a $500 deductible but if you increase it to $750 or $1000 you will probably save $100 if not more. Your comprehensive deductible isn’t worth changing since it makes up such a small percentage of your policy premium.

You can also save money by comparison shopping between companies. Rates can vary between companies just like they do between coverages. Every company will have there own rating scale, some offer price breaks for having lower limits some for higher limits not to mention the other 200 factors they put into coming up with your rate. Therefor, each company has created there own price niching system that we can all take advantage of.

If you have watched television recently you probably noticed all of the insurance companies telling you how much you can save if you switch to them. This makes it hard to figure out which company has the best rates. They all have good rates for there particular niche. It’s your job to find out which niche you fall into this way you can save the most money.

A lot of people are now going to the web to get quotes, but they aren’t always getting the best deal. They will usually choose the cheapest quote that is sent back to them. That might mean really low coverage amounts putting them at great risk. Some insurance companies have the state minimum coverages listed as there defaults on their online forms. If you decide to get quotes from the web make sure you have the option to speak with an agent before you purchase your policy. This way you can take advantage of the some of the tips in this article.

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Tips To Keep In Mind With Respect To Hiring A Real Estate Agent

November 3rd, 2014 Comments off

If you’re starting to look for an apartment, you might be wondering if you should use a real estate agent to help you locate one. The answer to this question is usually yes, since a professional real estate has the kind of experience and expertise to find you the best deal.

Real estate agents tend to be very familiar with the areas they serve. As a result, they will likely know of many available apartments, without you having to spend the time to search for them.

An agent will also be very knowledgeable about the different areas that you are considering, and will be able to advise you in regards to the neighborhood, schools, shopping centers, and other area amenities. This can be helpful information when you are looking for an apartment.

They will also be extremely useful in helping you get a place at the best possible amount. They will have a broad knowledge of current rates and will be able to advise you on whether something is a good price.

Working with an agent also saves you a lot of time because they do the pre-screening of your preferred apartments for you. They can also arrange for viewing times so that all you need to do is come on the scheduled date and time.

They will also be able to help you when it comes to bargaining for a decent rate, as they have all the necessary knowledge. For a lot of folk, bargaining is difficult and they just give in and pay more than is required.

The agents are also very helpful when it comes to ensuring that all the paperwork is correct, something that can be a real problem later on down the track. Naturally, you need to ensure that you are cognizant of everything that is on the lease before you sign it.

Expect your real estate agent to ask for fees for their services. Another cost is not what some people prefer, but most people do believe that the advantages that can be gained are still worth the price.

The writer has been publishing commentary about agents for the last three years. Furthermore, this writer loves writing regarding New York City neighborhood subjects, like NoLita apartments as well as Lincoln Center apartments.

Doing The Apartment Hunt Online

January 26th, 2014 Comments off

Nowadays it is so much easier just to flick your computer on and start searching for a new apartment than it is to flick through the paper. The great thing with the internet is that there are so many great sites and useful tools, you can view pictures, floor plans, and compare apartments, all online and in the comfort of your own home.

The internet has made looking for an apartment so much quicker and easier compared to the old fashioned way. This is one of the areas where modern methods are so much better than the old ones.

Using sites that list a wide variety of rental properties can be very helpful in regards to reviewing all the possible options. Sites such as rent.com and apartments.com allow a person to search through thousands of rental listings.

These sites offer search tools that can be used to look for specific features that may be important to an individual’s apartment preferences. Additionally, features such as being able to view multiple photos of the apartment, floor plans, and in some cases even 360-degree views of the apartment interior can be extremely helpful during the apartment hunting process.

In addition to sites that specialize in apartment rental listings, there are also other online sites to consider. Using the online version of your local newspaper can often be easier than searching the apartment listings in the paper itself.

There are other sites that specialize in classified ads, like Craigslist, which are really helpful. Also, look out for sites that gather lots of information from all over the place, like padmapper.com. These can be helpful as they often have all available information on an apartment gathered in one convenient place.

You may even find that other websites not specifically geared to apartments are quite useful. Google Maps is a really good source of information on areas that can help you find a spot you like.

Google Maps can help you get an idea of what the neighborhood is like and what it has to offer. Also, it will help you navigate around when you go looking at potential apartments as well.

The writer has been publishing commentary about rentals for the previous three years. Moreover, the author enjoys contributing information regarding New York City real estate topics, such as Tudor City apartments in addition to Turtle Bay apartments.