Borders Coupon Book

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Information on borders coupon book, coupon books, borders books coupons, borders movies coupons, borders music coupons, printable coupons, coupon book resources, coupons and gifts, discount coupons, gift cards, coupon email alerts.

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Want to save your money, it’s not an easy job my friends as we all know we have been always charged higher for any product than what actual price is.

Most of us are difficult kind of shopper, one who wants it cheap AND good. In my defense, as they really after is value, and more than willing to pay a fair price or go out of my way for something that is truly worth it.

Borders coupon book is the best way to purchase and enjoy great bargains and discounts on a range of goods and services. The goods range from bestseller book titles to the top pop hits of the day. Get DVDs of classic movies at great discount offers using the Borders coupon book.

Coupon books give you convenience and ease of making purchases and at the same time offer great discounts, and even free offers! Number of sites on the internet provides free online coupons, free discount coupon codes, free bargain shopping deals, free consumer promotions, and free shipping and rebates. Check out the one which you are looking for

To save money on best selling DVDs. Select from a large catalog of titles that include movies like Hotel Rwanda, Hitch, The Fifth Element, Spider Man 2, and The Amityville Horror. Use a Border book online coupon to avail great discounts on bestsellers and classics and enjoy your shopping by paying a fair price to the retailers.

Anna Josephs is a freelance journalist having experience of many years writing articles and news releases on various topics such as pet health, automobile and social issues. She also has great interest in poetry and paintings, hence she likes to write on these subjects as well. Currently writing for this website Borders Coupon Book
. For more details please contact at annajosephs@gmail.com

Realtors! Save Gas While You Drive

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Spark plugs that don’t spark, filters that don’t filter, and sensors with no sense all lower your gas mileage. Have your car tuned up regularly and check your tires while you’re at it. Poorly inflated tires need more push from the engine to get where they’re going. A little air goes a long way.

gas mileage, fuel efficiency, energy saving, fuel economy, personal finance, money saving ideas

We’re all desperate to save money on gas these days. We shop for the lowest prices, follow the news, combine trips, walk more. But for many of us, especially Realtors, dealing with the gas crunch is unavoidable. Not every house you sell is going to be in your neighborhood, not every house a client wants to see is down the street. They want the city, they want the suburbs, they want to see that charmer in a neighboring town. So if you’re a Realtor that wants to sell houses, you do what you have to do – you drive. Fortunately there are four simple ways to make your gas go farther while you motor around.

Four Simple Ways to Save Gas While you Drive

1. The single best way to save money on gas is so simple you probably haven’t even considered it.

It’s this: SLOW DOWN

Slowing down and (gasp) driving the speed limit is the most effective way to get maximum fuel efficiency from your traveling tin can. It simply takes more energy to travel at a higher speed. Increased wind resistance and inefficient fuel consumption are two ways that speed eats into your gas tank. The additional wear and tear on your car also eats into your pocketbook. So if you don’t want your car to be an obnoxious gas guzzler, just drive the speed limit. You might get flack from drivers that want to speed like they’re on the autobahn, but you’ll save on gas and avoid flack from police cruisers, speed traps and your mom.

2. Keep it Steady. While you’re at it, you might also try to keep going at a constant speed as much as you can. Keeping it smooth, or even better – keeping it on cruise control will save you big bucks on flat terrain. The ole “hurry up and wait” accelerate/brake combo takes a lot of energy and will cost you in the long run. Look well ahead when you’re driving and prepare to slow down in advance. The gradual reduction in speed paired with a gradual increase will use less fuel. Gunning it on green lights is not fuel efficient.

3. Get a tune up and keep your tires inflated. Spark plugs that don’t spark, filters that don’t filter, and sensors with no sense all lower your gas mileage. Have your car tuned up regularly and check your tires while you’re at it. Poorly inflated tires need more push from the engine to get where they’re going. A little air goes a long way.

4. Choose the path of least resistance. Depending on where you live, you may not be able to avoid bumpy winding roads but if you can, you should. You can loose up to 30% of your gas mileage on a gravel road and even more if it’s one of those beautifully scenic winding ones that require lots of turns and gas pedal/brake pedal maneuvers. Save these for vacations and take the highway.

Of course, if you’re a really serious driver these days, you’re probably thinking about switching to a hybrid – the next logical step for people who simply can’t part with their cars. While you’re shopping around for the right one, however, you might want to do it slowly.

Bad Ways To Save Money

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There are ways to save money that you just shouldn’t use. Don’t try these at home.

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Finding new ways to save money on almost anything you buy is almost like getting a raise. Maybe it’s even better. When you save twenty dollars on a coat you get to keep the whole twenty dollars. When you make twenty dollars more on your paycheck, you lose five dollars or more of it to taxes.

Finding ways to save money can go too far, though. In a recent newsletter on how to save money, one contributor suggested getting free flowers for weddings by picking up the leftover flowers at a cemetery. She didn’t say how you can tell which are “leftovers.”

I thought I was cheap! The following are gleaned from real suggestions on ways to save money sent in to “frugality” websites and newsletters. Some cheapskates don’t seem to notice that an extra hour at work might put them further ahead than many hours of penny-pinching.

Ways To Save Money – Don’t Try These At Home

A mother confessed that she makes her kids stuff their pockets with the free ketchup, salt and other condiment packets every time they were in a fast food restaurant. Oh, if only that were all, but no. She has the kids squeeze the contents of the packets into regular jars of ketchup and mustard too. She says she hasn’t bought these condiments in years. Pride is found in strange places.

One creative penny pincher found a way to save money on car washes. He washes his entire car using the squeegee at the gas station. Hmm… I wonder if he takes the toilet paper rolls home from their rest rooms too.

Would you like a free umbrella? One man suggests getting one at the lost and found department of any large public library. You just tell them you lost a black umbrella. They will almost certainly have several, from which you can pick the best one and claim it as your own. What if they have no black umbrellas? I guess we’ll have to wait for this guy to publish a “lost umbrella color frequency chart,” in order to know which color to try for the next day.

Several contributors to these newsletters know how to save on their long distance phone bills. The most common suggestion is to call people long-distance when you know they won’t be home, and leave a message for them. Then they pay for it when they return your call. I suppose if your timing is off, and they answer when you call, you can quickly hang up on them and try again later.

I don’t recommend any of these as ways to even the most frugal person. Apart from the ethical issues with some of them, they can be lumped in along with washing and re-using plastic wrap – a time wasting frugality. On the other hand, they are fun to read, and I suppose we could view such measures as cheap entertainment as well. Perhaps you can turn off the lights to save money on electricity and tell the kids it’s a game of hide-and-seek, or train your dog to beg from the neighbors so you don’t have to feed him.

I wonder how many people actually pay for magazines and newsletters that tell us ways to save money? Do these magazines advise that readers go to the library to read them, or stand reading them in the aisle at the bookstore for a hour? Those are some sure ways to save money.

Personal Finance ?Three Simple Steps To Improve Your Financial Literacy

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Many people today place money with financial analysts, fund managers and experts in the hope that they can grow their funds. However studies have shown that in the vast majority of cases, the individual generates the same return as the experts. But most people when confronted with this fact, usually reply that they do not know how best to invest their money themselves and it is submitted that the real reason is a lack of financial literacy.

So the usual question is how som…

debt reduction, bad credit

Many people today place money with financial analysts, fund managers and experts in the hope that they can grow their funds. However studies have shown that in the vast majority of cases, the individual generates the same return as the experts. But most people when confronted with this fact, usually reply that they do not know how best to invest their money themselves and it is submitted that the real reason is a lack of financial literacy.

So the usual question is how someone can increase his financial literacy? This article will therefore list three simple ways for anyone to start increasing their financial literacy.

Firstly, the best way to start is to start browsing an online investing dictionary and start learning simple financial jargon. A great place that you can consider is www.investopedia.com where you can start learning the meaning of basic financial terms so as to be better able to understand financial literature. You would want to spend some effort in learning those pertaining to the stock market first because such terms are most commonly used in the papers when financial analysts talk about the state of the economy.

Secondly, once you have a basic grasp of financial terms, you can then graduate on to reading the financial section of the newspapers. I know of friends who attack the movie section of the newspapers and maybe a little about the crime news but avoid the business section like the plague. These are the same people that gripe about the lack of understanding of the “recent increase in Initial Public Offerings? It can be a bit intimidating for the uninitiated but you will gradually start learning more about the particular market that you are in and how it works.

Thirdly, a fast way to learn more about financial terms is to make it a point to listen to the financial news daily before you head to work. This can be on the radio or on the television. Remember to take what the analysts say about stocks and shares in the news with a pinch of salt as sometimes the stock moves in response to what they say and as the scandals have proven, they sometimes actually move against the advice that they tell the general retail customers.

After doing these three simple steps daily, you will find that your financial knowledge will start increasing and you can then subscribe to Forbes and other financial magazines or newspapers like the Financial Times and feed your ever growing interest in financial matters. If you finally reach the stage where you want to know more then you might consider doing a MBA or CFA.

In conclusion, the quest for knowledge in the financial arena is a never ending one. New financial instruments are created ever so often and keeping abreast of such changes can be an almost impossible task. But getting started is ever so important in this fast moving world and you can then manage your own investments better and with more confidence.

Copyright ?2006 Joel Teo. All rights reserved. (You may publish this article in its entirety with the following author’s information with live links only.)

The China Factor

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Article discusses the extraordinary growth in China and how you should have some investable capital in Chinese investments.

stocks,investing,trading,options,technical analysis,george leong,money,finance,small cap stocks

Unless you have been in a cocoon, you most likely are aware that China will in all probability become the next economic superpower in the world. The country’s economy is on steroids, growing at close to double digits over the past few years and this is not expected to change.

And if you understand the vast size of the country’s economic engine, you would also understand that China is a place where you need to have some capital invested. Of course, at the same time, you also need to fully understand the risk factors associated in investing in a country where the economy and corporate structure is strictly under the control of the communist-led government.

The concept of an open economy in China is debatable as there is the constant threat of government intervention at any time to suit the political agenda. Yet the risk is probably warranted given the vast growth opportunities that lie in the country for both multi-national companies and investors looking for some diversification outside of their borders. This region of the world will become the next big boom in economic growth as long as the Chinese government is willing.

A report just published by the Development Research Center of China’s State Council estimates that the country will report GDP growth of about 8% annually from 2006 to 2010. Based on the numbers we have been seeing, this estimate seems to be reasonable.

The report estimates that China’s GDP based on 2000 prices will hit USD$2.3 trillion by the end of the current five-year period in 2010.

In the subsequent 10-year period from 2010 to 2020, the report calculates a decline in the annual GDP growth rate to around 7%, which is still quite respectable.

For investors, the estimated numbers are staggering but then China must be able to manage any inflationary and growth-related issues going forward as the country becomes richer.

The country’s middle class of several hundred million strong is booming as citizens move from the countryside to the cities in search of opportunities to increase their wealth.

As Chinese citizens make more money, they become more consumption driven. This in turn pumps up the demand for both domestic and foreign good and services. That’s why we are seeing such a mass flow of companies into China searching for growth opportunities.

The bottomline is you need to be in China at some point. In future commentaries, I will examine some of the key Chinese stocks trading as American Depository Receipts (ADRs) in the U.S.

Navigating the College Savings Programs

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Educational savings accounts can fall short of the most important goal: a relevant education for your child’s future. Here are some of the rules and problems that you need to consider.

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As a parent, the big financial concern with a newborn is how to set aside enough money to assist for a college education. Universities and state governments have developed many different financial savings plans to encourage parents to save money for college. Some of the plans include 529 accounts, Coverdell accounts, Roth IRAs and prepaid/guaranteed tuition costs. Unfortunately, few of the programs offer every benefit such as tax deductions, tax deferred savings, unlimited investment options, self directed investments and no penalties.

Selecting a university is a critical and expensive decision, and in my view it is foolhardy to make before the last couple years of high school. A drawback of the university-based or state-based plans (such as a 529 account) is that they impose penalties if a child doesn’t attend a specific university or in a specific state. Who knows what aptitudes, skills or interests your child may develop that necessitate a specific school that is out of your home state. University and state-based plans also impose penalties if the money isn’t ultimately used for qualified college expenses; another example where an event that is out of your control and may cause an unneeded expense. But the biggest problem with university and state programs are the financial rule changes they make ?after you start the plan.

To me, the university and state-based programs are a lose/lose savings plan for parents. If the cost of tuition rises faster than forecasted, in spite their guarantees, they raise the price and leave you under-funded. Conversely, if tuition rises less than forecasted, then you end up overpaying for tuition. And the same applies to the stock market some plans force you to invest in; when the market fell in 2000 and 2001, many plans broke their promise to guarantee full tuition funding in spite of promises to the contrary.

Another drawback of state-based plans is that your investment options are severely limited to a few mutual funds run by the brokerage firm operating the account. I have evaluated several: and they have high fees and poor returns, and I’m wary of the lack of competition for many of these accounts. The brokerage firms blame economics for the lack of investment choices, saying that most of the accounts are small and not very profitable for them, so they want as little trading and customer interaction as possible.

The federal college savings plans are better because they allow the widest selection of investments (such as an educational Roth IRA or other education savings accounts), and can be applied to most any accredited university. These accounts offer tax-free growth and withdrawal is also exempt from federal taxes and some states taxes. Realistically, your situation may call for multiple accounts. Rules prohibit you from using these if your income passes certain thresholds.

In my opinion, the best place to start saving college is with U.S. government ibonds from TreasuryDirect.gov. These bonds offer the most flexibility and control, and require none of the paperwork and rules of other savings plans. They accrue a decent rate of interest every month, the principal is adjusted for inflation each quarter, the income tax is deferred, and you don’t have any brokerage fees. And when the money is withdrawn for a university on their approved list, the money can be redeemed tax-free. (As for limiting rules: you cannot withdraw the money in the first year, and if you withdraw it within five years, there is a three month interest penalty ?so ibonds are not the best savings plan after a child reaches about age twelve). Since ibonds are simply savings not an educational account, the money can be spent for any type of expense that may arise.

The government and brokerage firms keep updating these accounts, so my complaints will hopefully become moot in the near future. But the criteria that you need to watch for are: many investment options, few penalties, no taxes and total control. These will maximize the money you’re setting aside for that expensive degree.

Credit Counseling — Why It Doesn’t Work For Most Debtors

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Discusses why credit counseling has come under attack by consumer groups for failing to do the job it’s advertised to do. Explains the main reasons for credit counseling’s failure to provide debt relief for most enrollees.

credit counseling, debt consolidation, debt management

“Cut Your Payments in Half!” the headline screams. “Consolidate Your Bills into One Low Monthly Payment!”

When you see ads like this, they are often from Credit Counseling firms. In this article, I’ll explain the principles behind the Credit Counseling approach and discuss the main problem consumers face when they join one of these programs.

First, let’s get our definitions straight. The term “Credit Counseling” is actually quite misleading, since it has nothing to do with preserving or improving your credit score. In fact, Credit Counseling will often damage your credit, an unpleasant reality that is sometimes downplayed by industry representatives.

Credit Counseling is a debt management program where you make a single monthly payment to an agency. In turn, that agency distributes the money to your creditors on your behalf, ideally at lower interest rates so you can pay off the debt faster. Credit Counseling should not be confused with Debt Consolidation, Debt Settlement, or Debt Termination. Each of these debt programs takes a very different approach from Credit Counseling.

Of all the available debt options, Credit Counseling is by far the most popular, with millions of Americans participating. Does this mean it’s the best choice for most people struggling with debt? No! There are numerous problems with this approach.

In recent years, the Credit Counseling industry has been heavily criticized by impartial consumer groups like the Consumer Federation of America. But these criticisms often miss the mark entirely. They usually focus on the aggressive companies that use their non-profit status to trick consumers into thinking they are charitable organizations, or even that their services are free of charge. In reality, these outfits charge hefty “voluntary” contributions, often adding up to hundreds of dollars, plus steep monthly fees as well.

However, I’m not talking here about the bad companies who provide little or no actual “counseling,” or the ones that are only in business to make their owners rich. No, I’m talking about serious problems with the actual business model itself. So let’s take a closer look at how Credit Counseling works.

Let’s say you owe $25,000 on several different credit cards. Let’s also assume your average interest rate before you enrolled was 20% (which is actually low these days, especially if you’ve missed any payments). Your minimum monthly payments are $500, which you’ve been struggling to keep up with. At this rate, it will take a whopping 109 months (more than 9 years) to pay off your debts, assuming you don’t miss a single payment along the way.

You enroll in a Credit Counseling program that promises to get you out of debt faster. But does it? Assuming your creditors agree to participate in the program (not always the case), the real key is the concession they will grant on your interest rates. In prior years, creditors looked more favorably on Credit Counseling and they offered steep discounts off the normal interest rates. But lately they have squeezed the industry, and the concessions are not so good any more. Currently, most of the major players will reduce interest rates down to a range of 7% on the low side to 18% on the high side. We’ll use 12% as the average.

So if you keep your payments at $500 per month at the new 12% rate, how long will it take? First, we need to deduct the monthly fee charged by the agency. In this example, we’ll use a fee of $25 per month, so $475 of your $500 will go toward debt reduction. The good news is you’ll be out of debt faster. The bad news is that it will still take 75 months (more than 6 years) to become debt-free.

But what happens if you can’t keep up with that $500 per month? After all, you sought help from a credit counselor because you were struggling financially, right? Let’s say you drop down to $450 per month. After deducting the $25 monthly fee, that leaves $425 toward your debt plan. Now you’re looking at 90 months (7 years & 6 months), which is not much better than the 109 months you started out with.

So how can credit counselors claim to cut your payments in half? Good question. If you dropped down to $250 per month, you’ll never pay off your debt! At 12% interest, the debt will climb faster than your $250 per month can reduce it. The lowest you could go would be $300 per month. However, it would now take 20 years to pay off the debt, hardly an improvement!

In order to truly cut your payments in half, down to $250 in this example, the agency would need to completely eliminate all interest! And even then, it would still take more than 9 years to pay off the balance! So the ads claiming you can cut your payments in half are simply false.

Bear in mind here that in our example, we’re assuming you’re working with a good company that charges low fees and actually obtains good interest rate concessions from all of your creditors. Even with the best of credit counselors, you’re still looking at a 5-9 year program to pay off your debts.

That’s why Credit Counseling is usually only effective for people with short-term financial problems. Consumers with long-term financial instability have trouble keeping up with the regular payment stream required to make these programs work. The result? Even the most favorable statistics show that about 3 out of 4 people drop out of Credit Counseling programs before completing them.

If you do decide to join one of these programs in order to obtain some short-term relief, be sure to do your homework first. Here are a few tips to help in your selection:

1. Look for a company that actually provides old-fashioned budget advice and counseling. If they want to sign you up right away without first understanding your budget situation, move on!

2. Obtain copies of the contract and read it carefully before signing up. Make sure you understand all of the fees involved. Are there enrollment fees? “Voluntary” contributions? Monthly fees? Extra fees per account? These hidden fees can add up to big bucks.

3. Make sure they work with all the creditors on your list and not just some of them.

4. Don’t be fooled by “non-profit” status. That doesn’t guarantee you’re dealing with a good company. And it certainly doesn’t mean the service is free!

5. Aim to find a local company that you can visit in person. Check out your target company with the local Better Business Bureau.

6. Make sure they provide support after the sale. Try calling their customer service number to see if you can get through promptly.

Remember, you can eliminate your debts if you take a disciplined approach to your finances, make a budget and stick to it, and don’t use your credit cards unless you can pay off new balances in full each month.

Good luck in your financial future!