Cash Is King

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Cash Is King is the basic principle of using cash instead of debit/credit cards whenever possible

Budgets,cash,personal budgets,personal finances

If you understand and follow the basic principle of “Cash is King?you can change your life forever. Your life will be less stressful financially and you will be taking your first major step toward “financial peace of mind?

“Cash is King?is an easy principle to understand; however it may be difficult to follow. This principle is the key to less stress within your financial life. Many things tell us how to manage our finances and it seems that none of them address the “root cause?of our financial problems.

The biggest problem is that we live in a world of plastic and for all practical purposes we do not respect or understand the value of cash.

If you follow this simple but different principle of “Cash is King?you will start on the road to “financial peace of mind? Here are two basic suggestions on how to follow the principle of “Cash is King?

When you are paid make sure you allocate enough money to pay your rent/mortgage, utilities and any other fixed expenses you may have. Any amount of cash that is left should be withdrawn from your checking account to be used for food, clothing, gifts, entertainment, gas, etc. The best way for you to control this cash would be for you to divide and allocate certain amounts of cash for each variable expense and store this cash in labeled envelopes, like the envelopes found in the BUDGETkeeper SYSTEM.
Now remember that this cash is the only way you can spend. Once you have used all your cash there will be no spending until your next paycheck. This is tough! No credit/debit cards? You must be kidding! How will I ever get through to my next payday without using my credit/debit cards? They say smoking is hard to give up, I think sticking to the principle of “Cash is King?may even be harder!

Stick with “Cash is King?and manage your money. You will start by finding the cheapest places to buy gas, run your errands more logically and take your morning coffee from home instead of buying that latte every day. You will have to find many new ways to manage your cash and the first few weeks will be the toughest. You may even run out of cash before your next payday, however, you will stick to the principle “Cash is King?and eventually find “financial peace of mind?

After several weeks it will get easier to manage your cash and you will be surprised to find extra cash available before your next paycheck. What will you do with that extra cash? Many say put the extra cash into a savings account or pay a little extra towards one of your debts. I say put it in a coffee can and let it accumulate then take yourself out and have one great party!

If you can follow this principle, you will be on your way to establishing a personal/family budget. Let the BUDGETkeeper SYSTEM show you the way to “financial peace of mind?

Advanced Prepaid Credit Card Features

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Technological advances have been made in prepaid credit cards which give them features not seen in traditional credit cards or ATM cards. In this article we will go over these advances, and how they make using prepaid credit cards easy and convenient.

credit cards, visa, master cards, prepaid credit cards

Technological advances have been made in prepaid credit cards which give them features not seen in traditional credit cards or ATM cards. In this article we will go over these advances, and how they make using prepaid credit cards easy and convenient.

Because prepaid credit cards do not come with a line of credit, customers can load money onto the card via ATMs or at online websites. From here money can be transferred to a paypal or checking account. Some services still allow people to write a check in order to have the funds loaded onto their cards.

More recent advances in this technology have allowed people with cell phones, laptops, or other wireless devices to receive payment alerts about transactions which have been completed. You can also keep track of your credit line using these devices.

When using a prepaid credit card you don’t have to balance it the way you would balance a checkbook. The balancing is done in real time and can be viewed via the internet or phone. This technology is allowing people to change the way they spend and manage money.

Many people are becoming aware of this technology since many employers are starting to use prepaid credit cards as an alternative to sending out standard checks. Once employers begin using prepaid credit cards to pay their employees they will save large amounts of money on check printing costs and other expenses.

People are beginning to see the benefits of electronically transferring and receiving funds. People will be able to avoid the high check cashing fees that for too long have been charged just to cash your own checks. Prepaid credit cards are changing the way that people conduct business.

Our society beginning advance closer to being cashless. There are both pros and cons to this that people need to be aware of. While using prepaid credit cards to make purchases and transfer money is convenient, cyber thieves are also anxious to begin defrauding and stealing money from people.

It is always best to use your prepaid debit card in safe locations, and keep track of all you transactions. If you see something on your account that looks strange or out of place, immediately report it. If your card is ever lost or stolen, cancel it as soon as possible.

No one wants to become the victim of fraud. Keep track of your expenses and if something looks suspicious, it probably is.

Financial Education Can Pay Dividends for Youth

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According to statistics from the National Council on Economic Education, only seven states require high school students to take a personal finance course while eight others require courses with personal finance content.

Financial Education Can Pay Dividends for Youth

According to statistics from the National Council on Economic Education, only seven states require high school students to take a personal finance course while eight others require courses with personal finance content.

This was from a 2004 survey that also showed only nine states test personal finance knowledge. These numbers are beginning to change as the state of Missouri joins the fray and will require one-half unit of credit in personal finance instruction for graduation in 2010.

A 2004 national survey by the Jump$tart Coalition for Personal Financial Literacy measured 12th graders’ knowledge of basic personal finance. On average, students who participated in the survey answered correctly only 52.3 percent of the questions – an “F” in most high school classrooms.

Financial illiteracy isn’t a problem limited to students. Half of U.S. adults received a failing grade for their knowledge of basic economic concepts, according to the NCEE.

But there is hope in education. The National Endowment for Financial Education has confirmed that as few as 10 hours of classroom instruction can improve spending and saving habits.

Because financial literacy is fundamental to personal success and a benefit to society, American Century provides support for financial education.

In cooperation with a premier education consultant, the investment manager developed Tips for Kids and Tips for Life, curricula for use in the classroom. To date, these programs have been used by more than 3,000 educators in all 50 states. The free programs are delivered via the Internet to educators and are presented to education conferences to help users implement the programs in their schools.

American Century’s efforts to improve financial literacy extend beyond the Tips for Kids and Tips for Life programs. Free educational materials and tools are available on its Web site. And the information presented in American Century founder James E. Stowers’ “Yes You Can…” book series is designed to share the personal experiences and ideas that helped him become successful.

Educating today’s students on basic financial principles will pay dividends in the future because they are tomorrow’s social, political and economic leaders.

Energy Conservation Begins at Home

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The pressure to reduce energy consumption and costs is inspiring homeowners to challenge the relevance of old heating and hot water solutions and consider other cost-effective options, such as wall-hung boiler technology.

Energy Conservation Begins at Home

As Americans face rising fuel prices, many are looking for ways to save money and energy in their homes.

The pressure to reduce energy consumption and costs is inspiring homeowners to challenge the relevance of old heating and hot water solutions and consider other cost-effective options, such as wall-hung boiler technology.

Wall-hung boilers have been common in homes throughout Europe for the past three decades and are now emerging as a popular alternative for heating homes and businesses in North America.

Baxi Luna wall-hung boilers, for instance, are helping homeowners throughout the U.S. cut their home heating and hot water fuel consumption in half. These boilers are fully modulating, meaning they start at a preset, high-fire position and gradually reduce fuel output until the heating demand is met. At this point, the boiler automatically shuts off.

Billed as one of the quietest boilers on the market, Baxi Luna boilers are fired by propane or natural gas. No bigger than a kitchen cabinet, a Baxi Luna boiler can be installed in the closet – saving valuable living space in homes of up to 6,000 square feet.

The boiler also is making commercial buildings more efficient. For example, this year a heating specialist in Biddeford, Maine, installed eight Baxi Luna high-efficiency condensing boilers in the City Hall and City Theatre. People living in the city expect the new heating system to reduce fuel use by at least 50 percent and save taxpayers money even in the face of rising fuel costs.

Baxi Luna wall-hung boilers are approved by the American Gas Association and Canadian Standards Association. Consumers can take comfort from the boilers’ Energy Star certification (for energy efficiency) and H-Stamp rating (for operating effectiveness).

These environmentally friendly products are quiet enough to install in the back of a large closet, even in the master bedroom. They are ideal for in-floor radiant heating systems and are compatible with any type of air handler, wall or baseboard radiators and custom radiant applications, such as heated towel racks or snow melt.

Building Long-term Energy Savings Into Your Home

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While new homes are 100 percent more energy efficient today than those built three decades ago, most people are not familiar with how to actually design energy savings into the infrastructure of their home.

Building Long-term Energy Savings Into Your Home

While new homes are 100 percent more energy efficient today than those built three decades ago, most people are not familiar with how to actually design energy savings into the infrastructure of their home.

Here are a few ways to save energy in your home:

* Windows and doors: Today’s architecture takes advantage of increased window space and elaborate entry systems. This style enhancement certainly adds to the appeal of a home, but it increases the importance of having energy-efficient windows and doors.

On average, a household spends nearly 50 percent of its annual energy costs in heating and cooling. You can reduce this expense by up to 15 percent by using energy-efficient windows and doors, which help decrease the transfer of heat. Start by looking for products that have the Energy Star label. This label identifies products that meet the strict energy-efficiency guidelines set by the U.S. Environmental Protection Agency and the U.S. Department of Energy.

* Construction materials: Wood or vinyl (for windows) and steel (for doors) offer high energy efficiency. For windows, dual-pane insulating glass units and low-emissivity glass also increase the products’ energy efficiency. For steel doors, look for a polystyrene core, which helps the door retain its energy-saving properties longer than steel doors with a polyurethane core.

Rest assured, however, that you will not have to forgo style and beauty when seeking energy efficiency. Many manufacturers, such as Jeld-Wen Windows and Doors, offer a variety of Energy Star-qualified products that are attractive, durable and provide superior performance. In fact, upgrading windows and doors is a great way to build energy savings into your current home.

* Insulating your home: In addition to diminishing heat transfer through windows and doors, you can ensure even temperatures in the home by selecting proper insulation. Well-insulated homes can save up to 30 percent on heating and cooling costs. Pay attention to the R-values used to rate the energy efficiency of insulation – a higher R-value indicates a better ability to resist heat flow, meaning that it is more energy efficient.

* Heating and cooling engines: Installing oversized heating or cooling equipment is a common practice to provide customers with immediate results. However, oversized equipment is not necessary if your home is designed to conserve energy; it will only add to the growth of your energy bill.

Visit a local home improvement center to learn more about heating and cooling options.

Budget For The Future

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Tips and tricks to save for the future and build up a nice nest egg for retirement. Following these simple methods will ensure that you have a nice little cushion for yourself no matter what your income!

investing, personal finance, savings, money, budgeting, budgets, retirement, retiring, save money, income

Have you sat down and really thought about your financial future? I know people are busy these days and you think “well I’m young now and I’ll have time to do it later.” You’re dead wrong. You are NEVER too young to start saving for retirement!

They say if a 25 year old puts in $2.00 a day into a savings account ($60.00 a month), buy the time he reaches 65 he’ll have a million dollars. However, what is a million dollars these days – really? It’s practically chump change with rising housing and cost of living expenses.

So you have to make a budget to save for the future. Don’t expect Social Security to kick in, they’re having problems already – much less when you get to be that age!

Here are some strategies to help you save for the future and your retirement:

1. Make a list of your monthly income. Include everything from your wages to gambling winnings, child support receive, alimony, and any other income you get every month.

2. Then make a list of your expenses. List everything you spend from your utilities to your cell phone bill. Also your child’s violin lessons, pet expenses – everything.

3. Subtract your expenses from your income. Hopefully you are coming out ahead! If not, then you need to make smart decisions on which expenses are a necessity or a luxury. Do you really need a cell phone, or is it just convenient? Discipline yourself now and you’ll thank yourself later!

4. Do this for several months. And then at the end of each month, figure out where your money went that was unnecessary. Did you go out to eat more than once a week? Did you buy your lunch instead of making a sandwich from home?

5. Put 10% of your income into a savings plan. This is the “rule of thumb” amongst investors on just how much you should be saving a month. If you make $3000/mo. then you should be saving $300. Pay yourself first!

6. Consider other options besides savings. Perhaps invest in a 401k or an IRA savings plan. Check with your banker to see which one would suit your needs and financial situation the best.

Really that’s all there is to it! Never take money out of your savings for frivilous purchases like a new pair of shoes or to go to a movie. That is for your future! However if your car needs a new transmission, this nest egg is there for you!

It just takes a lot of self-discipline and the desire to want to have financial independence. Just apply these easy techniques and you’ll be on your way!

Hawaii Bankruptcy Law $10.00 Astonishing Alternative

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If you can set aside $10.00 and invest it into a proven program that can create financial freedom for you in 60 days would you consider it as an alternative to filing for the Hawaii Bankruptcy Law? There is an alternative available to YOU right now that will not only give you back your good nights sleep but also carries no negative consequences along with it like taking action on the Hawaii Bankruptcy Law does.

hawaii bankruptcy law

If you can set aside $10.00 and invest it into a proven program that can create financial freedom for you in 60 days would you consider it as an alternative to filing for the Hawaii Bankruptcy Law? There is an alternative available to YOU right now that will not only give you back your good nights sleep but also carries no negative consequences along with it like taking action on the Hawaii Bankruptcy Law does.

In the next few minutes you are going to discover a simple system that can get you out of debt without any work on your end and can be implemented immediately anywhere in the world. In as little as 1 hour from now, you will know how to create a FREE online account that can clear up ALL of your existing debt in 2 months and then go on to establish the wealth you want throughout this year so you can start enjoying your life again.

Before we discuss all the details that this opportunity has to offer YOU AND YOUR LOVED ONES, let me share with you quickly why I wrote this article in the first place. I have been helping people improve their finances for the past 10 years and working online since 2003. I recently did a search on Overture to see how many people are looking to file for bankruptcy in the hopes that I could help and I was saddened to see that Hawaii Bankruptcy Law was searched for over 10,000 last month. This fact could provide you some comfort in knowing that you are far-from-alone in the situation you face and that there is someone out that who is looking to help you turn your finances around today.

I have made it my job to present you with an a-s-t-o-n-i-s-h-i-n-g alternative to filing for the Hawaii Bankruptcy Law because I have been blessed with financial freedom and have access to important information that you may never even knew existed since your debt must be foremost on your mind. It should put your mind at ease to know that the system I am going to tell you all about in a moment costs a lot less than Hawaii Bankruptcy Law filing fees, works faster than the preceding process and allows you to not only keep your current assets but will create more wealth then you’ll know what do with in less then 1 year!

Did you read the last line?

“Create more wealth then you’ll know what to do with in less then 1 year?

Hard to believe BUT true and I am going to prove it to you.

The only thing you have to do is invest the next half an hour studying the system I am about to share with you and then you can decide whether you are going to act on the advise that can create financial freedom faster then anything else out there or choose the Hawaii Bankruptcy Law as your only other alternative. The solution I offer is not only the more affordable way to go but could quite possibly be the most exciting opportunity you will ever encounter in your life. It was the best decision I ever made along with over 48,329 other every day people facing the same situation you now are and I would be happy to help you every step of the way while getting started.

If you can afford a cup of coffee every morning then you will have no problem finding the necessary funds to participate in this program. You can start with as little as $10.00 and turn it into $9,567.06 within 1 year or start with $20.00 and make more then the Average Yearly American Salary which is $39,795.00. Would $39,795.00 eliminate most of your existing debt?

Did you know that it could cost as much as $200.00 just in filing fees and take up to 6 months before finding out if you have been approved for bankruptcy discharges? The same $200.00 and in 6 months with this system can create $231,537.66 profit in your pocket. Of course, you would be responsible for taxes but there will be A LOT left over for paying off your debts, spending on relaxing vacation and anything else you desire.

Don’t believe me…then you do the math and see for yourself that what I am saying is accurate.

STEP 1:
Go to http://aurumgames.com/calculator.php and type in $200.00 in the DEPOSIT box. Next, type in the number 3 in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button.

If you typed in the figures I provided you should have come up with a Total Value of $1,178.32.

Remember, we are going to have to repeat this process 2 more times for a total period of 6 months to prove my point above.

STEP 2:
Now, go back to the top of the form and type $1,178.32 into the DEPOSIT box. Next, type in the number 4, because your interest has range has increased due to the new amount, in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button.

If you typed in the figures I provided you should have come up with a Total Value of $12,395.49.

STEP 3:
Once last time, go back to the top of the form and type $12,395.49 into the DEPOSIT box. Next, type in the number 5, because your interest has range has increased again due to the new amount, in the INTEREST box and then type in 60 days in the INVESTMENT PERIOD box. Make sure you check off the COMPOUND field before clicking the calculate button. Last but not least, scroll down to the bottom of the form and click the CALCULATE button.

If you typed in the figures I provided you should have come up with a Total Value of $231,537.66.

Now do you believe me?

We are talking over TWO HUNDRED THOUSAND DOLLARS HERE so if you did not take those 3 simple steps above please write them down and prove it to yourself when you are finished with this article.

I am personally involved with 2 such powerful programs and the interest rate ranges we used in the example above ARE real!

I invite you to take an eagle eye look into this precise program by going to www.lazy-way-to-wealth.com and ask yourself seriously before considering taking action on the Hawaii Bankruptcy Law, could this be the answer you have been hoping for? If you answer with a WHOPPING YES that this is the p-e-r-f-e-c-t program for eliminating YOUR present debt problems, then please e-mail at theprovenpath@optonline.net and put “Hawaii Bankruptcy Law?in the subject field so I can better assist you personally.

Please feel free to e-mail me anytime at theprovenpath@optonline.net if you have any questions pertaining to this article.

Best Wishes and Wealth Your Way!

Jamie Briggs

Funny Ways To Save Money

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Some of these funny ways to save money have actually been used. Some never should be.

ways to save money, save money, funny

There was a list of funny ways to save money on a “frugal living” website. They weren’t necessarily meant to be funny, but were gleaned from real suggestions sent in. Some cheapskates don’t seem to notice that an extra hour at work might put them further ahead than many hours of penny-pinching.

The following are real suggestions, and then there are some funny ways to save money that you really shouldn’t try.

Funny Ways To Save Money – The Real Suggestions

One person suggested ways to save money on weddings that included picking up the leftover flowers at a cemetery. I’m not sue how you can tell which are “leftovers.”

Another creative penny pincher found a way to save money on a car wash. He washed his entire car using the squeegee at the gas station.

A woman confessed that she has the kids stuff their pockets with the free ketchup, salt and other condiment packets every time they were in a fast food restaurant. That’s not all, though. She actually had the kids squeeze ketchup and mustard from the packets into regular jars of ketchup and mustard, and claims she hasn’t bought these condiments in years.

To save money on an umbrella, one man suggests going to the lost and found department of any large public library. Tell them you lost a black umbrella. They will have several, from which you can pick the best one and claim it as your own.

Call people long-distance when you know they won’t be home. Leave a message for them to call. That way, they pay for the long-distance call.

Funny Ways To Save Money – Don’t Try This At Home

Don’t pay baby sitters! Get young couples who are thinking about having kids to “rent” yours for the evening. They get to see what it will be like, and you can get paid instead of paying for sitters.

Turn off the TV and all the lights to save electricity. Tell the kids it’s a game of hide-and-seek.

Train your dog to beg for food from strangers, so you won’t have to buy dog food.

Rub pine needles under your arms instead of buying deodorant.

Take extra napkins from fast food restaurants to save on toilet paper.

Borrow your neighbors toothbrush instead of buying your own.

If I write a book on ways to save money, funny or not, will I make much in sales, or will everyone take my suggestion and borrow it from the library instead of buying it?

A College Student’s Financial Success key

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To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

Financial Success,College student,Credit cards,savings

Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.

As essential as it is to secure a part-time job to support your personal wants, you must be aware of the “hidden regressors?that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it’s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn’t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.

Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!

Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.

Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can’t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.

To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The “broke college student?has the ability to be financially successful, if means are taking to save more and use credit wisely.

Cutting Your Kids’ Schooling Costs

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Whenever the school season is just around the corner, there’s only one thing that parents are thinking about – the impending costs. Education is a primary right and a pertinent need of every child but it can become very costly. Availing of scholarships and education grants for your children is the best way to get them through schooling. But of course, only a small percentage of children can be given these privileges.

There are simple and effective measures that parents ca…

budget, family budget

Whenever the school season is just around the corner, there’s only one thing that parents are thinking about – the impending costs. Education is a primary right and a pertinent need of every child but it can become very costly. Availing of scholarships and education grants for your children is the best way to get them through schooling. But of course, only a small percentage of children can be given these privileges.

There are simple and effective measures that parents can employ in cutting the costs of their children’s schooling, especially during the back-to-school season. Most often, these measures are often taken for granted, but don’t miss out!

Organize and Save

Keep an inventory of your children’s school supplies and keep it organized. If you are not organized, you will be spending more money on replenishing your supplies. Small things like pencils and crayons may not cost too much, but if you replenish your supplies unnecessarily, you are losing valuable money.

You should also try involving the kids when making the inventory. This will give them a sense of ownership for their things and would know where to take and put their things.

Tax Holidays

Tax holidays are often offered by many states during the back-to-school season. Price ceilings will be put on different school gears. You might want to do a little research and ask about the schedule and the details of the tax holidays in your area.

Bulk Buying

It’s a basic economic principle – “the more you buy, the more you save”. Well, this is applicable if you are buying a specific item which you will really need in the near future. In buying pencils, for example, you might want to buy a box rather than buying one for each of your kids. Face it, you will be needing to replenish these after some time, so might as well avail of the lower price by buying in bulk.

Transportation

You might want to consider buying your child a bicycle for him to bring to school. This, of course, is not always feasible. Finding a cheap and safe way to bring your children to school daily is an important thing. Car pools and school transportation services are options that you can look at.

Snacks

Whenever you have the time and energy to prepare food for your children, do so. You will not only be saving on the pocket money that you will give to them but you are also secured that your children are eating healthy and safe meals.

Getting your children through school is a hard task and a costly one. Saving money through practical and simple means can assist you in this endeavor. The benefits will eventually add up to bring a brighter future to your children.