Money-Saving Ideas

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Good news: Consumers can save nearly $3 billion a year just by using coupons when shopping.

Money-Saving Ideas

Good news: Consumers can save nearly $3 billion a year just by using coupons when shopping. According to the Promotion Marketing Association Coupon Council, spending just 20 minutes per week clipping coupons can save you up to $1,000 per year. It’s easy. Over 85 percent of all coupons issued in the U.S. are found in Sunday papers. And it’s popular. Seventy-six percent of Americans are already coupon users.

The following tips can also help you on your way to becoming a savvy coupon clipper:

Finding Coupons:

• Look in the store. You’ll find coupons in retailers’ advertising flyers, on the shelf, at kiosks, even at the checkout. Turn your register receipt over-sometimes there will be coupons there, too.

• Try samples offered in the store and you’ll often be offered a coupon to take home a package of the products.

• Check product packages. Your favorite brands want to keep you loyal, so you’ll often find coupons on or in the package.

• Look on the Internet. There are coupon sites where you can print coupons and find providers who will e-mail you coupons. A product manufacturer’s Web site may offer coupons for brands you love. Check the store’s Web site too. Be cautious online, however, of someone offering to sell you coupons…there’s no need to buy them when there are so many available free.

Using Coupons:

• Organize your coupons in the order that you shop the store to save time and make sure you use them all.

• Make coupon-clipping a family affair–it can be a great math and savings lesson for the kids. Involve them in the process and let them “earn” coupon savings money.

• Use coupons with shorter expiration dates first.

• Shop on double or triple coupon days and use manufacturers’ rebates to realize additional savings.

Logbook Loans

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Information about Logbook Loans

Logbook Loans, Loans, Loan, Logbook Loan, Debt

Logbook loans are best suited for taking a low cost finance in a very easy manner as the loan is given on your car or any vehicle logbook. Compare different lenders before making a deal. Logbook loans are also a good choice for individuals with bad credit histories since they do not involve any credit checking. Individuals who are facing bankruptcy and CCJ’s can also apply for the loan. Logbook loans are appropriate to satisfy loan demands ranging from ?00-?0,000. Depending on the lender and the vehicle, the amount of logbook loans can stretch to larger amounts.

Logbook loans are quickly deemed suitable. This is because there is no minute assessment of the car involved in the supply of loans and logbook to the approval almost immediately. Logbook loans are the easiest way to get money by keeping logbook as security. As, Collateral for logbook loans is the logbook of your car. Logbook loans are secured on just the logbook of the vehicle the borrower owns. Logbook is the legal document bearing the proof of your ownership over the vehicle.

Logbook loans are also preferred for the promptness with which they are approved and sanction the loan amount. A borrower needs to fulfil certain basic criteria for availing logbook loans. Logbook loans are considered as fast loans. This is because there is no minute valuation of the car involved in offering logbook loans and so the approval is almost instant.

In conclusion logbook loans are a quick and easy way to borrow against your car.

The Offshore Money Flow Solution

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Article describes the most secure offshore money flow solution the privacy minded people could use.

offshore banking, anonymous banking, pass-through, tax haven, cayman

It’s become more and more difficult to bank in privacy these days, thanks to the witch-hunt of OECD and FATF under the guise of money laundering and terrorism. What a wonderful story to cover the real purpose of their; to take the privacy away from people, to control and to endlessly supervise!

Fortunately there still are a few opportunities left for us, who value financial privacy. These precisely planned strategies, which have been used for decades, have worked for people from all walks of life. For people, who has decided to keep what belongs to them and not to hand it over for greed goverments, ex-lovers, creditors etc. But no matter how good the strategy is, if you are a bigmounth and like to brag with your fancy overseas banking solutions, the cover is blown sooner than later. So keep your mouth shut and stay under the radar screen.

For the start, you need a so-called Pass-Through Account. The most important feature of this account is secrecy, it’s paramount. This account must be opened in a jurisdiction with a bullet-proof banking secrecy laws. Bullet-proof really isn’t the case anymore, unfortunately, as way too many so called tax havens have been forced to give away information. But it still is possible to open an anonymous bank account. Even if the banking secrecy laws fail under the pressure of “Big Boys”, the “bureau-rats” still don’t know who’s the owner of the account. So, you are safe from the very beginning!

This first account is the one you make known to your clients and business associates. You will receive all the incoming funds from and send the outgoing funds to the outside World. As the name says, and this is essential to remembet, this account is not to store money. Because of that, you don’t have to be too concerner about the long-term stability of the bank and jurisdiction involved. This fact enables you to use tiny, private banks, which offer the best secrecy and confidentally. Over and above you get the most personalized service!

The second account you will need, is called Stash Account. The most important feature of this account is stability. The Stash Account must be opened in a stable, first world jurisdiction and in a well known bank. This is the account you send your profits to as soon as they arrive in your Pass-Through account. You store your money here long-term, send it off to offshore investments or shift it into spend and savings accounts. The existence of Stash Account is a complete secret! You tell nobody! Never, ever!

The third account you need, is Spend Account. Here the accessibility is the key feature. Sometime you might want to withdraw your offshore profits in cash. Even if you have multiply income streams onshore, you must always be prepared for emergencies and have an access to your offshore funds. Because of that, you will open Spend Account at a bank that gives you the best selection of
debit and credit cards and also a proper online banking access.

When you have opened these three accounts, you are ready to start fighting for your privacy. And the best part is, that you can win the fight, really! It just takes a little research and the best partners.

Personal Finance Is Your Responsibility

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Whether or not you choose to ignore it, you cannot deny the truth embedded in this statement: Your personal finance is and always will be your responsibility.

When it comes to finance, many people put an impractical blind eye to the fact that finances need to be managed. Personal finance is an ever-growing popular term for adults and teenagers alike, regardless of whether you are earning the money or not. After-all bills have to be paid, family members have to be fed and y…

personal finance

Whether or not you choose to ignore it, you cannot deny the truth embedded in this statement: Your personal finance is and always will be your responsibility.

When it comes to finance, many people put an impractical blind eye to the fact that finances need to be managed. Personal finance is an ever-growing popular term for adults and teenagers alike, regardless of whether you are earning the money or not. After-all bills have to be paid, family members have to be fed and your lifestyle has to be maintained.

The biggest and most neglected step for many families is teaching their teens how to manage their money. Teenage finance is about educating teens on the value of money. Teach them how to save by showing them how to use their primitive form of book-keeping. This can often be incorporated through the child’s upbringing via
piggy-banks, savings accounts, and little chores in exchange for money.

Teenage finance is an important part of your personal finance because, too. When your children learn to save and use money wisely, you are subsequently saved from bailing them out of financial troubles in the future.

Personal Ethics and finance go hand-in-hand; if you have a good relationship with yourself, you will be able to save money. You won’t feel the urge to do things that go against your ethics like sign-up for a credit card using someone else’s name.

Personal finance involves taking a few steps toward safe-guarding your money. Your money spent should not exceed your money received. In order to prevent this from happening, you should make a crude balance sheet and use it to record all of your transactions.

Each month write down how much was received and how much was spent. Make a list of all the things the money was spent on, so you can keep track of your money.

You will be amazed at how much we spend on things that are not necessities.

Make a list and stick to it. Always try to get the best deal for your money and remember that cheaper does not necessarily mean lower quality.

After-all it is your money; managing your personal finances should be seen as a mandatory part of making money work for you.

Want Free Money? It’s Easier Than You Think!

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Use this simple technique to save hundreds or thousands every year in purchases made at the stores you shop at reguarly.

gift certificates,ebay,deals,savings,coupons,gift cards,money,personal finance

Copyright 2006 Jessica Roop

Start thinking of the stores you shop at often. What comes to mind? Is it Circuit City, Starbucks, Banana Republic, Sephora, Barnes & Noble? Undoubtedly most of us could easily come up with a list of ten to twenty, if not more.

I’m the kind of person who loves to save money. I’ve been doing something so simple for the past few years that has saved me hundreds, if not thousands, of dollars ?I’d like to think of it as “free money? It’s so easy, yet surprisingly few people take advantage of it.

You’re probably wondering what I do. It’s simple:

I purchase gift cards online for the stores I shop at most often at a discounted rate.

I mainly use eBay, but there are others like CertificateSwap.com and SwapAGift.com. A lot of people receive gift cards as presents but aren’t interested in the store or would prefer cash, so they list the cards online. Expect to usually pay 80 to 90 percent of face value, although some prices can be higher or lower depending on the popularity of the merchant. The way I see it is, if I’m going to spend the money at the store anyway, why not purchase a gift card and save a few dollars?

One method I have found to be quite useful in finding good deals is to go to the Gift Certificates category on eBay and search for “Buy it Now items?in the search options. I then sort the results by the most recently listed auctions. Some sellers underestimate the value of their gift cards, so they may put up a Buy it Now price that is lower than what the card would generally go for. You have to be at the right place at the right time to snatch up those deals, but it can be worth it! (Just to prove that it does happen ?as I was writing this article, I was able to purchase a $100 gift certificate redeemable at hundreds of spas nationwide for only $50!)

One word of caution: as with any online purchase, be sure that you are purchasing from a reputable seller. Unfortunately scammers are out there, so do your homework on the seller before making a purchase.

I hope you are able to use this technique to save money like I have. It is one I plan on using for years to come!

Your Sure Way to Lasting Success in Trading

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Trading the markets is not only about using the right system or strategy or knowledge used but also a factor that only individual can control which will determine if he or she is will be successful.

Why is it that some people are successful in trading the markets? And why is it some people fail? Is it luck that determines if you are successful or not in making money from the market? Is it the system or strategy that a person use which determines their success?

A lot would say that it is the system or strategy that they employ which ultimately determines if they come out winning from the market.

Every system that exists on the internet will show you how to make money using it. Without a doubt, it will make money for you. The question is usually how much money will the system make for you. All the system that out there will show to you how their system has work base on historical data or activity and then at the bottom of the page there would be a disclaimer clause that states ?. Historical data does not determine or guarantee future earnings….?

So why is it that these sites or page include this disclaimer clause?

The disclaimer clause is incorporated in it because they know that there are certain elements which they can not control. Human emotions.

Human emotions are always the key to either success or failure in any business. And it is no difference when trading the markets. Read all the books about trading that you want, buy all the successful system that you want. If you can’t control your emotions, you can’t succeed in the markets.

That’s the reason for the disclaimers clause because the one thing that the author can not control is their subscribers or customers emotions.

In the market there are but only two main emotions that every trader will experience; GREED and FEAR. When this emotion appears it is not how we eliminate it but rather how we act on it. There are natural emotions that can not be eliminated. This emotions forces us to action, thus how we act on it will determine the outcome.

Like anger, when we are angry at someone, it’s either we say something nasty or we can just kick a bucket or we can just dive into a pool of water. Which ever action that we take, it produces a different outcome or result.

All too often when we begin to see two to three consecutive loses on our trading activities, we would begin to have doubt. When this happens we are already at the state of fear, we fear losing more of our money and thus begin to doubt that the system is working.

While no system is absolute, meaning no system will guarantee that you will make money ALL the time. The system seller would say that we would be able to make money consistently, provided we follow their system to the dot.

On the other hand, when we begin to see two or three consecutive we begin to feel on top of the world. We begin to feel that we can start making good money from the market and then start tweaking the system or maybe putting more money in the market to leverage our earnings or maybe begin to take on more positions, which ultimately make us deviate from the system which we were using. This is when greed has already stepped in to rule our thoughts.

There is saying ‘The system is only as good as the person using it? So if we don’t follow the system either with we are making loses or when we are creating profits. We would ultimately fail. And to follow the system requires discipline. The discipline to act on our fear and greed when it sets in, will determine how well we do in the market.

Once again discipline is the key. We must have the discipline to say ‘I have reached my target. I should take profits now even though it may go higher?when greed sets in. And when fear sets in one should say ‘I have to take a position even though the market does not seem to be moving in my favor?

While these are but two circumstances when greed and fears arises, there are, and will be many instances when we need to make a decision to either enter or exit the market. And these are very two most important decisions to take in order to succeed in the markets. The discipline to follow the system diligently no matter what happens to the market

So no matter how good the system is, the only and sure way is to lasting success in the market depend on the discipline to overcome our personal emotional to follow a particular system religiously.

How to trade in futures market?

The futures market offers the opportunistic investor the option of using small amounts of their own money to control large amounts of products, including gold, currencies, and agricultural commodities.

Gold Ira Accounts

A futures contract is a legally binding contract to deliver, if you are selling, or to take delivery, if you are buying, of a specific commodity, index, bond, or currency at a predetermined date or price. A futures contract can include everything from a standard size amount of wheat, oil, or a country’s currency. The amount and date of delivery of the contract are specified, though in almost all cases delivery is not taken as contracts are bought and sold for speculative or hedging purposes.

Futures are utilized by both those who use the actual commodity and by investors. For example, in May a farmer plants some corn, but doesn’t know what corn will be selling for in November. He can sell a futures contract for November and “lock in” the future selling price today. On the other hand investors can buy a futures contract if they believe the price of a security is going to appreciate, or they can sell a futures contract if they believe the price of a security is going to decline.

Futures are often thought of in the same category as options. While they are both derivatives, in that they derive their value from some base security, there is one very important difference. While options give the right, but not the obligation to buy or sell the underlying security, a futures contract is a legally binding obligation to buy or sell that same commodity. Thus, while options limit your loss to the price paid for that option, futures trading could lead to a loss of your entire investment and more to meet that obligation.

Another difference between the futures and the equities markets involves the use of word margin. Although the contract sizes for currencies are large (often the equivalent of over $100,000 for a single contract), an investor does not have to buy or sell a full contract. Rather, a margin deposit on the contract is maintained, which is actually a “good faith” amount of money to ensure your obligations to the full amount of the futures contract. Minimum margin requirements vary by broker, but are typically only a fraction of the contract’s total value, and are not related to the actual price of the contract involved.

Futures trades must be made through futures brokers, who operate both full-service and discount operations, and may be related to the stock brokerage that you already deal with. However, popular discount stockbrokers do not handle futures contracts.

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How to protect your credit when making purchases online

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Have you been avoiding the wonderful world of online shopping due to the fears of protecting your financial information? Read on to learn how you can safely shop online!

credit card, online purchases, protect credit, shop online, personal finance

In today’s society more and more people are abandoning traditional means of shopping like malls and flea markets for more tech savvy and less time consuming methods such as online stores and auctions.

Initially many people were concerned about protecting their credit when making purchases online but the web has become a buyers market as of late. If you haven’t indulged in the wonders of online shopping due to fears of fraud then read up because this article is all about how to protect your credit when making purchases online.

With a multitude of encryption, password intense stores and computer firewalls, online shopping has become quite safe. As a busy mom, I make most of my purchases online because I don’t have the time to run to 10 different stores. When making any purchase online, the first thing I suggest is to research who you are buying your items from.

If it is an actual online store see if you can find feedback about the establishment through search engine research. If you are making your purchase from an online auction service check what kind of feedback the seller has accumulated.

Many sites now require you to register with them when making purchases online at their store. This is another great safety feature as you must enter a username and password before making your purchase. As long as you remain the only person who knows the password you have a greater chance to protect your credit.

Another way to protect your credit when making purchases online is to read the fine print of your credit card company. While many credit card companies provide buyer’s insurance you should be sure to read the actual terms that your credit card company offers in regards to protecting your credit.

Also checking your card balance regularly will allow you to notify your credit card company as soon as you notice any illegal activity within your account. Some credit card companies will even call you periodically to review your past ten transactions!

I also recommend you reserve one credit card for online use. This will help you better keep track of online purchases and will be easier to discover fraudulent use if it has occurred (as opposed to keeping track of 5 to 10 different cards). Not to mention, if someone does get a hold of your information, they can only charge up one card while your others remain untouched. An extra precaution would be to choose a card with a relatively low credit limit.

Now once you get hooked on internet shopping, you must be sure to be safe on the computers you use. All too often people start clicking away on public computers and fail to realize that they had never logged out of the store in which they were shopping. Most sites will not enable users to go back on pages without reentering a password but always make sure you logout of sites just to be on the safe side. Also, enable firewall software on your computer if it is on a network so other people can not view the contents of your computer’s hard drive.

The overall key to protecting your credit when making purchases online is to be smart. Follow these simple rules and pretty soon you’ll be the one to tell your friends how to protect their credit when making purchases online. Happy Shopping!

How to Manage Your Money When Working Overseas

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How to manage your financial affairs easily and effectively when living, travelling or working abroad.

bank account, money, money management, savings, investment, working abroad, expatriate, living overseas, offshore bank account, mortgage, credit card

It’s a fact that employers look favourably on a resume that presents an independent, dynamic individual who has an open mind and has seen more of the world than their own back yard.

With this fact in mind a greater number of people are taking time away from their studies and careers nowadays and spending a period of time travelling or working overseas.

If you’re considering taking a similar path this article will help you get your head around managing your money when travelling, living or working abroad ?once your finances are in order you can spend the whole of the rest of the time having fun, exploring the wider world and meeting many new faces!

Even if you’re planning a prolonged period of expatriation you should keep your local bank account open. You can then manage money and expenses back home more easily if needs be, and maybe even send some of your overseas income back home to pay off student loans or to save up for a house purchase one day in the future. Furthermore by keeping your account open you’re keeping your credit history alive which is important if you ever plan to re-settle in your home country and maybe one day apply for a mortgage or credit card.

Next up you might like to think about opening an offshore or international bank account. Possibly your bank offers such account services in which case everything just got even easier! HSBC for example offers domestic accounts all over the world and they also offer offshore accounts to expatriates and professionals living or working overseas for a period of time.

An offshore bank account will allow you to access your money wherever in the world you’re located, you can have access to money from ATMs around the world, you can have instant access to your account status online or over the phone and you can bank in multiple currencies. Furthermore you can easily transfer funds around the world and have one simple, central bank account structure that allows you to manage all of your financial needs from one centralised location.

To reduce ATM and credit card fees consider opening an account with one of the major financial institutions that have ATMs all over the world and who are recognised around the world. The benefits of going with one of the world’s leading financial institutions is that their credit cards are more universally accepted, they partner with many local banks around the world and customers enjoy lower or no charges at any of their ATMs which can be found all over the world. Always check out the charge structure on any account though just to ensure there are no hidden fees.

As an expatriate you’re entitled to take full advantage of the offshore world and save money offshore thus enjoying better interest rates, having access to more interesting financial products and benefiting from interest payable on savings and investments being made gross, i.e., before the deduction of tax. If you’re going to be earning more than you need to live on when working overseas you should consider taking full advantage of this fact and saving as much as you can while you can benefit from the offshore advantage. You will increase your savings power and give yourself a good financial start over and above your peers back home.

Please note that you may still be liable for taxation on income derived from and interest earned on any offshore savings and investments and international taxation advice should be sought from a financial adviser or an accountant.