| THE SECRET TO SAVING MONEY You CAN Save For Your Future Saving money is a basic concept of personal financial planning, and key to financial success. Yet many of us don't have a formal savings plan. Without such a plan, the chances of ever saving enough money to meet long-term financial goals or achieve financial security are very slim. It seems simple. In order to save money, you need to have "extra" cash, right? This is a common misconception. Having a spending plan (aka "budget"), will help you create money for savings. Most of us, by setting spending goals, can manage to save regularly, so if you're tempted to hit your back button because you simply don't have enough money to have a formal savings plan, STOP! This article will tell you the "secrets" to savings. First, set a few short-term and long-term financial goals to work towards, like a down payment on a car or home. Include the dollar amount and a time frame for achieving the goal. It's much more motivating to save when you know what you're saving for. And remember, a goal that isn't written down is only a dream. Set up a separate savings account. If you mingle your savings with your regular checking account, you'll almost certainly dip into your savings and may never pay them back. Having your savings in a separate account is a constant reminder that these funds are earmarked for your future, and watching the balance grow is not only rewarding and motivating - it's downright exciting! If you don't already have a written budget that includes tracking your expenditures each month, begin one now. Whether you make thousands of dollars or hundreds of thousands of dollars a year, you need a budget. Budgeting can be relatively simple and entirely guilt-free. Decide on a percentage of your gross income to designate as savings. 10% is a good starting point, but if you've developed a budget and have analyzed your spending and you honestly can't find a way to set aside 10% for your future, then start out with 8%, or 5%, or whatever you're able to do with perhaps a little bit of discomfort but without great sacrifice. If possible, have your employer or your spouse's employer deduct a set amount from your paycheck each pay period and deposit it into your savings account automatically. The old adage "out of sight, out of mind" works well here. Having to transfer money to your savings account is a little like giving someone who is trying to quit smoking a cigarette to carry around in his pocket and expecting him not to light up. Why tempt yourself? Make it easy and increase your chances of success with automatic deposits or transfers. Whenever unexpected money comes your way, put all or most of it into your savings account. Bonuses, salary increases, tax refunds, rebates, overtime pay, income from hobbies or yard sales and other windfalls can pump up your savings account nicely without requiring additional cutbacks. If you're forced to dip into your savings for an emergency, consider it a loan which must be paid back in a reasonable period of time, and set up a repayment schedule. That's all there is to it! The "secret" is that there's no magic involved. The key is to start now and stick to it. ------------------------------------------------------------------------------- SAVE MONEY ON YOUR HOME EXPENSES Cut Mortgage, Utilities, and Other Home-Related Costs You can easily save thousands of dollars a year with very little effort by following even a few of the cost-saving measures in the "Save Money" series. The more money-saving measures you adopt, the more money you'll save. Potential savings will vary, depending on your personal situation. See the links to the right for more money-saving ideas. Save Money on Your Mortgage Consider refinancing your mortgage. For every $10,000 of your mortgage loan, 1/2 % difference in the interest rate saves you over $40/year or $3.40/month in interest expense. A $100,000 loan at 9 1/2% refinanced at 7 1/2% saves $142/month or $1,704/year, for a total of $50,991 over the life of a 30-year mortgage. Potential Money Savings: $1,700/yr. For even more dramatic long-term savings, consider a 15-year mortgage rather than a 30-year mortgage. A $100,000 mortgage at 9 1/2% over 15 years saves $114,747 over the life of the loan compared to a 30-year mortgage at the same interest rate. At 7 1/2%, the savings between a 30-year and 15-year mortgage of $100,000 would be $84,854. A 9% loan of $100,000, refinanced for 15 years at 7 1/2% would add $86/month to your payment but would save you a whopping $135,845 over the life of the loan. Potential Money Savings: $84,000-136,000 You can achieve similar results by paying an extra principal payment on your 30-year loan each month. (In the early years of a loan, the principal portion of your payment is very small. On a 30-year $100,000 loan at 7 1/2%, the monthly principal payment in the first several years is approximately $75 to $85/month).Potential Money Savings: $85,000-136,000. Still another way to achieve these results is to pay one half of your monthly mortgage every two weeks. Potential Money Savings: $85,000-136,000. |
SAVE MONEY ON CREDIT CARDS
KNOWLEDGEFINANCIAL.COM
Cut Your Credit Card Costs
You can easily save thousands of dollars a year with very little
effort by following even a few of the cost-saving measures in
the "Save Money" series. The more cost-saving measures you
adopt, the more money you'll save. See the links on the right for
more ways to save money.
If you're paying more than 12% interest on your VISA or
Mastercard, you're paying too much. With the prime interest rate
in the single digits, lenders that charge 13% to 21% interest on
credit card balances are gouging you. With good credit, you
should be able to find a credit card rate (as of summer of 2004)
for between 9% and 12%. For a list of the lowest credit card
rates . Potential Money Savings: $450-1000/yr.
SAVING MONEY IMPORTANT TIPS CONTINUE!
If you can obtain a lower interest credit card, you can usually
use cash advances to pay off the balance on your other credit
cards and transfer this debt to the lower rate card.
Some cards charge a higher fee for transferred balances, so be
sure to read the small print before applying, and make sure you
can pay it off or transfer your balance again to another card
before the introductory period rate expires. Potential Money
Savings: $200-500/yr. (more if you have a lot of credit card debt
at high interest rates). KNOWLEDGEFINANCIAL.COM
Consider using part of your savings to pay off consumer debt, if
you can do so without using all of your available cash. With
banks paying less than 1% on passbook savings, and credit
card debt carrying 10% to 21% interest charges, you could
come out way ahead. Be careful to leave yourself enough
savings or borrowing power to fall back on in case of an
emergency. Potential Money Savings: $200-500/yr.
If you don't have enough savings to pay off your consumer debt,
consider a home equity loan. Interest rates on home equity
loans are much lower than most credit cards, so you win in two
ways: (1) you slash your interest costs, say from 16% on the
credit card to 6 or 7% on the home equity loan, and (2) you can
deduct the home equity loan interest from your taxable income.
Be cautious, though. Remember you're putting your home at
risk. Potential Money Savings: $1,000 - $2000 yr.
Look for no fee credit cards (be sure to consider all the other
factors such as grace period, interest rate, etc., as well). Even
if you are charged an annual fee, you can may be able to get the
fee waived by calling your bank and asking them to remove it.
Potential Money Savings: $25-50/yr.
Whenever possible, avoid finance charges on credit cards,
especially cards with high interest rates. If you pay down your
credit card balance by just $500 you can save $100 a year in
interest charges. Potential Money Savings: $100-1,000/yr.
If you have a balance on more than one credit card, use this
money-saving strategy, which I call the Credit Crunch: Pay the
most you can afford each month on the card with the highest
interest rate, and make the minimum payment on the others.
Once the card with the highest interest rate is paid off, begin
paying as much as possible each month on the card with the
next highest interest rate, and so on. Potential Money Savings:
varies
---------------KNOWLEDGEFINANCIAL.COM
SAVE MONEY ON YOUR BANK FEES
Cut Your Banking Costs by Hundreds of Dollars
You probably don't give much thought to the cost of banking:
monthly checking account fees, ATM fees, bounced-check fees,
etc., but if you can shave banking expenses, you can save
money and put it in your own pocket.
Remember: it's easier to find lots of ways to save a little money
than it is to earn more income, and lots of little savings add up.
Save Money on Your Checking Account
If you're paying for the use of your own money by paying fees to
maintain a checking account, look for a bank with no-fee
checking. Many banks offer no-fee checking if you keep a
minimum balance in a savings account or maintain a minimum
combined balance in your savings and checking accounts.
Get information from several banks and choose the one that
best fits your habits. If you always dip below the minimum
balance, it does no good to have "free" checking, since you'll
incur a fee if your balance goes below the minimum.
Potential Money Savings: $96-120/yr.
Buy your checks through a discounter such as Checks Unlimited
(www.checksunlimited.com)1-800-204-2244; Checks in the Mail
(www.checksinthemail.com)1-800-733-4443, or Check Works
(www.checkworks.com)1-800-971-4223. Discounters charge around $6.00 to $8.00 for
200 checks, as opposed to the $20 to $25 your bank charges. Potential Money Savings:
$15-38/yr.
Balance your checkbook every month and do not bounce
checks. Typical fees for a check written against insufficient
funds range from $20 to $35. If more checks clear before you're
aware of the problem, you can easily bounce two or three
additional checks for a total cost of $100 or more. Potential
Money Savings: $100 or more/yr.
If you keep a significant balance in an interest-bearing account,
keep it in a bank that uses the average daily balance method
for calculating your minimum balance and interest. You're much
less likely to be charged a fee if you dip below the minimum
balance during the month (as long as your average daily
balance for the entire month is not below the minimum), plus
you earn interest on all your money.
Other methods of calculating interest can cost you hundreds of
dollars a year in interest that would have been credited to your
account under the average daily balance method. Potential
Money Savings: $100-300/yr.
Save Money on ATM Fees / KNOWLEDGEFINANCIAL.COM
Move your checking account to a bank that has a large ATM
network with branches near your home and work. Potential
Money Savings: see below.
Use only Automated Teller Machines (ATMs) that don't charge
fees. If you withdraw $20 from an ATM and are charged $1.50
by the ATM owner, you have in effect paid a 7 1/2 % surcharge
for access to your own money. Your bank may also charge you
an out-of-network transaction fee, doubling the actual cost to
you. Potential Money
Savings: $78-156 or more/yr.
KNOWLEDGEFINANCIAL.COM
Cut Your Credit Card Costs
You can easily save thousands of dollars a year with very little
effort by following even a few of the cost-saving measures in
the "Save Money" series. The more cost-saving measures you
adopt, the more money you'll save. See the links on the right for
more ways to save money.
If you're paying more than 12% interest on your VISA or
Mastercard, you're paying too much. With the prime interest rate
in the single digits, lenders that charge 13% to 21% interest on
credit card balances are gouging you. With good credit, you
should be able to find a credit card rate (as of summer of 2004)
for between 9% and 12%. For a list of the lowest credit card
rates . Potential Money Savings: $450-1000/yr.
SAVING MONEY IMPORTANT TIPS CONTINUE!
If you can obtain a lower interest credit card, you can usually
use cash advances to pay off the balance on your other credit
cards and transfer this debt to the lower rate card.
Some cards charge a higher fee for transferred balances, so be
sure to read the small print before applying, and make sure you
can pay it off or transfer your balance again to another card
before the introductory period rate expires. Potential Money
Savings: $200-500/yr. (more if you have a lot of credit card debt
at high interest rates). KNOWLEDGEFINANCIAL.COM
Consider using part of your savings to pay off consumer debt, if
you can do so without using all of your available cash. With
banks paying less than 1% on passbook savings, and credit
card debt carrying 10% to 21% interest charges, you could
come out way ahead. Be careful to leave yourself enough
savings or borrowing power to fall back on in case of an
emergency. Potential Money Savings: $200-500/yr.
If you don't have enough savings to pay off your consumer debt,
consider a home equity loan. Interest rates on home equity
loans are much lower than most credit cards, so you win in two
ways: (1) you slash your interest costs, say from 16% on the
credit card to 6 or 7% on the home equity loan, and (2) you can
deduct the home equity loan interest from your taxable income.
Be cautious, though. Remember you're putting your home at
risk. Potential Money Savings: $1,000 - $2000 yr.
Look for no fee credit cards (be sure to consider all the other
factors such as grace period, interest rate, etc., as well). Even
if you are charged an annual fee, you can may be able to get the
fee waived by calling your bank and asking them to remove it.
Potential Money Savings: $25-50/yr.
Whenever possible, avoid finance charges on credit cards,
especially cards with high interest rates. If you pay down your
credit card balance by just $500 you can save $100 a year in
interest charges. Potential Money Savings: $100-1,000/yr.
If you have a balance on more than one credit card, use this
money-saving strategy, which I call the Credit Crunch: Pay the
most you can afford each month on the card with the highest
interest rate, and make the minimum payment on the others.
Once the card with the highest interest rate is paid off, begin
paying as much as possible each month on the card with the
next highest interest rate, and so on. Potential Money Savings:
varies
---------------KNOWLEDGEFINANCIAL.COM
SAVE MONEY ON YOUR BANK FEES
Cut Your Banking Costs by Hundreds of Dollars
You probably don't give much thought to the cost of banking:
monthly checking account fees, ATM fees, bounced-check fees,
etc., but if you can shave banking expenses, you can save
money and put it in your own pocket.
Remember: it's easier to find lots of ways to save a little money
than it is to earn more income, and lots of little savings add up.
Save Money on Your Checking Account
If you're paying for the use of your own money by paying fees to
maintain a checking account, look for a bank with no-fee
checking. Many banks offer no-fee checking if you keep a
minimum balance in a savings account or maintain a minimum
combined balance in your savings and checking accounts.
Get information from several banks and choose the one that
best fits your habits. If you always dip below the minimum
balance, it does no good to have "free" checking, since you'll
incur a fee if your balance goes below the minimum.
Potential Money Savings: $96-120/yr.
Buy your checks through a discounter such as Checks Unlimited
(www.checksunlimited.com)1-800-204-2244; Checks in the Mail
(www.checksinthemail.com)1-800-733-4443, or Check Works
(www.checkworks.com)1-800-971-4223. Discounters charge around $6.00 to $8.00 for
200 checks, as opposed to the $20 to $25 your bank charges. Potential Money Savings:
$15-38/yr.
Balance your checkbook every month and do not bounce
checks. Typical fees for a check written against insufficient
funds range from $20 to $35. If more checks clear before you're
aware of the problem, you can easily bounce two or three
additional checks for a total cost of $100 or more. Potential
Money Savings: $100 or more/yr.
If you keep a significant balance in an interest-bearing account,
keep it in a bank that uses the average daily balance method
for calculating your minimum balance and interest. You're much
less likely to be charged a fee if you dip below the minimum
balance during the month (as long as your average daily
balance for the entire month is not below the minimum), plus
you earn interest on all your money.
Other methods of calculating interest can cost you hundreds of
dollars a year in interest that would have been credited to your
account under the average daily balance method. Potential
Money Savings: $100-300/yr.
Save Money on ATM Fees / KNOWLEDGEFINANCIAL.COM
Move your checking account to a bank that has a large ATM
network with branches near your home and work. Potential
Money Savings: see below.
Use only Automated Teller Machines (ATMs) that don't charge
fees. If you withdraw $20 from an ATM and are charged $1.50
by the ATM owner, you have in effect paid a 7 1/2 % surcharge
for access to your own money. Your bank may also charge you
an out-of-network transaction fee, doubling the actual cost to
you. Potential Money
Savings: $78-156 or more/yr.
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WELCOME TO:
KNOWLEDGEFINANCIAL.COM
KNOWLEDGEFINANCIAL.COM
66 WAYS TO SAVE MONEY
For most kinds of purchases, you can get valuable
advice and comparisons on the Internet. Ask a
librarian or friends which Internet sites they think are
helpful, or you can use a search engine like Google or
Yahoo. Be aware that information you find is often
biased. At many websites, the only products or sellers
listed are ones that pay to advertise. Before buying
anything on the Internet, check several websites and
make sure you deal with reputable dealers.
/ KNOWLEDGEFINANCIAL.COM
Airline Fares
1. Compare low-cost carriers with major carriers that
fly to your destination. Remember, the best fares may
not be out of the airport closest to you.
2. You may save by including a Saturday evening stay-
over or by purchasing the ticket at least 14 days in
advance. Ask which days of the week and times of the
day have the lowest fare.
3. Even if you are using a travel agent, check airline
and Internet travel sites, and look for special deals. If
you call, always ask for the lowest fare to your
destination.
Car Rental
4. Since car rental rates can vary greatly, compare
total price (including taxes and surcharge) and take
advantage of any special offers and membership
discounts.
5. Rental car companies offer various insurance and
waiver options. Check with your automobile insurance
agent and credit card company in advance to avoid
duplicating any coverage you may already have.
New Cars
KNOWLEDGEFINANCIAL.COM
6. You can save thousands of dollars over the lifetime
of a car by selecting a model that combines a low
purchase price with low depreciation, financing,
insurance, gasoline, maintenance, and repair costs.
Ask your local librarian for new car guides that contain
this information.
7. Having selected a model and options you are
interested in, you can save hundreds of dollars by
comparison shopping. Get price quotes from several
dealers (over the phone or Internet) and let each know
you are contacting the others.
8. Remember there is no "cooling off" period on new
car sales. Once you have signed a contract, you are
obligated to buy the car.
Used Cars
9. Before buying any used car:
Compare the seller's asking price with the average
retail price in a "bluebook” or other guide to car prices
which can be found at many libraries, banks, and
credit unions.
Have a mechanic you trust check the car, especially if
the car is sold "as is."
10. Consider purchasing a used car from an individual
you know and trust. They are more likely than other
sellers to charge a lower price and point out any
problems with the car.
Auto Leasing / KNOWLEDGEFINANCIAL.COM
11. Don't decide to lease a car just because the
payments are lower than on a traditional auto loan. The
leasing payments are lower because you don't actually
own the car.
12. Leasing a car is very complicated. When shopping,
consider the price of the car (known as the capitalized
cost), your trade-in allowance, any down payment,
monthly payments, various fees (excess mileage,
excess "wear and tear," end-of- lease), and the cost of
buying the car at the end of the lease. A valuable
source of information about auto leasing can be found
in Keys to Vehicle Leasing: A Consumer Guide, which
is published by the Federal Reserve Board and
Federal Trade Commission.
Gasoline
13. You can save hundreds of dollars a year by
comparing prices at different stations, pumping gas
yourself, and using the lowest-octane called for in your
owner's manual.
14. You can save up to $100 a year on gas by keeping
your engine tuned and your tires inflated to their proper
pressure.
Car Repairs / KNOWLEDGEFINANCIAL.COM
15. Consumers lose billions of dollars each year on
unneeded or poorly done car repairs. The most
important step that you can take to save money on
these repairs is to find a skilled, honest mechanic.
Before you need repairs, look for a mechanic who:
is certified and well established;
has done good work for someone you know; and
communicates well about repair options and costs.


Auto Insurance
16. You can save several hundred dollars a year by
purchasing auto insurance from a licensed, low-price
insurer. Call your state insurance department for a
publication showing typical prices charged by different
companies. Then call at least four of the lowest-priced,
licensed insurers to learn what they would charge you
for the same coverage.
17. Talk to your agent or insurer about raising your
deductibles on collision and comprehensive coverage
to at least $500 or, if you have an old car, dropping
this coverage altogether. This can save you hundreds
of dollars on insurance premiums.
18. Make certain that your new policy is in effect
before dropping your old one.
Homeowner/Renter Insurance
19. You can save several hundred dollars a year on
homeowner insurance and up to $50 a year on renter
insurance by purchasing insurance from a low-price,
licensed insurer. Ask your state insurance department
for a publication showing typical prices charged by
different licensed companies. Then call at least four of
the lowest priced insurers to learn what they would
charge you. If such a publication is not available, it is
even more important to call at least four insurers for
price quotes.
20. Make certain you purchase enough coverage to
replace the house and its contents. "Replacement" on
the house means rebuilding to its current condition.
21. Make certain your new policy is in effect before
dropping your old one.
Life Insurance
22. If you want insurance protection only, and not a
savings and investment product, buy a term life
insurance policy.
23. If you want to buy a whole life, universal life, or
other cash value policy, plan to hold it for at least 15
years. Canceling these policies after only a few years
can more than double your life insurance costs.
24. Check the National Association of Insurance
Commissioners website or your local library for
information on the financial soundness of insurance
companies.


Checking Accounts and Debit Cards
25. You can save more than $100 a year in fees by
selecting a free checking account or one with no
minimum balance requirement. Request a complete
list of fees that are charged on these accounts,
including ATM and debit card fees.
26. See if you can get free or lower cost checking
through direct deposit or agreeing to ATM only use. Be
aware of charges for using an ATM not associated
with your financial institution.
Savings Products
27. Before opening a savings account, find out
whether the account is insured by the federal
government (FDIC for banks or NCUA for credit
unions). Financial institutions offer a number of
products, such as mutual funds and annuities, which
are not insured.
28. Once you select a type of savings account, use the
telephone, newspaper, and Internet to compare rates
and fees offered by different financial institutions-
including those outside your city. These rates can vary
a lot and, over time, can significantly affect interest
earnings. / KNOWLEDGEFINANCIAL.COM
29. To earn the highest return on savings (annual
percentage yield) with little or no risk, consider
certificates of deposit (CDs) or U.S. Savings Bonds
(Series I or EE).
Credit Cards
30. To avoid late payment fees and possible interest
rate increases on your credit cards, make sure you
send in your payment a week to ten days before the
statement due date. Late payments on one card can
increase fees and interest rates on other cards.
31. You can avoid interest charges, which may be
considerable, by paying off your entire bill each month.
If you are unable to pay off a large balance, pay as
much as you can. Try to shift the remaining balance to
a credit card with a lower annual percentage rate
(APR). You can find listings of credit card plans, rates,
and terms on the Internet, in personal finance
magazines, and in newspapers.
32. Be aware that credit cards with rebates, cash
back, travel awards, or other perks may carry higher
rates or fees.
Auto Loans
33. To save as much as several thousand dollars in
finance charges, pay for the car in cash or make a
large down payment. Always get the shortest term loan
possible as this will lower your interest rate.
34. Make certain to get a rate quote (or pre-approved
loan) from your bank or credit union before seeking
dealer financing. You can save as much as $1000 in
finance charges by shopping for the cheapest loan.
35. Make certain to consider the dollar difference
between low-rate financing and a lower sale price.
Remember that getting zero or low-rate financing from
a dealer may prevent you from getting the rebate.
First Mortgage Loans
36. Although your monthly payment may be higher, you
can save tens of thousands of dollars in interest
charges by shopping for the shortest-term mortgage
you can afford. For each $100,000 you borrow at a 7%
annual percentage rate (APR), for example, you will
pay over $75,000 less in interest on a 15-year fixed
rate mortgage than you would on a 30-year fixed rate
mortgage.
37. You can save thousands of dollars in interest
charges by shopping for the lowest-rate mortgage with
the fewest points. On a 15-year $100,000 fixed-rate
mortgage, just lowering the APR from 7% to 6.5% can
save you more than $5,000 in interest charges over
the life of the loan, and paying two points instead of
three would save you an additional $1,000.
38. Check the Internet or your local newspaper for
mortgage rate surveys, then call several lenders for
information about their rates (APRs), points, and fees.
If you choose a mortgage broker, make certain to
compare their offers with those of direct lenders.
39. Be aware that the interest rate on most adjustable
rate mortgages (ARMs) can vary a great deal over the
lifetime of the loan. An increase of several percentage
points might raise payments by hundreds of dollars a
month, so ask the lender what the highest possible
monthly payment might be.
Mortgage Refinancing
40. Consider refinancing your mortgage if you can get
a rate that is lower than your existing mortgage rate
and plan to keep the new mortgage for at least several
years. Calculate precisely how much your new
mortgage (including points, fees and closing costs)
will cost and whether, in the long run, it will cost less
than your current mortgage.
Home Equity Loans
41. Be cautious in taking out home equity loans. The
loans reduce or may even eliminate the equity that you
have built up in your home. (Equity is the cash you
would have if you sold your house and paid off your
mortgage loans.) If you are unable to make payments
on home equity loans, you could lose your home.
42. Compare home equity loans offered by at least four
reputable lending institutions. Consider the interest
rate on the loan and the annual percentage rate (APR),
which includes other costs, such as origination fees,
discount points, mortgage insurance, and other fees.
Ask if the rate changes, and if so, how it is calculated
and how frequently, as this will affect the amount of
your monthly payments.


Home Purchase
43. You can often negotiate a lower sale price by
employing a buyer broker who works for you, not the
seller. If the buyer broker or the broker's firm also lists
properties, there may be a conflict of interest, so ask
them to tell you if they are showing you a property that
they have listed.
44. Do not purchase any house until it has been
examined by a home inspector that you selected.
Renting a Place to Live
45. Do not limit your rental housing search to
classified ads or referrals from friends and
acquaintances. Select buildings where you would like
to live and contact their building manager or owner to
see if anything is available.
46. Remember that signing a lease probably obligates
you to make all monthly payments for the term of the
agreement.
Home Improvement
47. Home repairs often cost thousands of dollars and
are the subject of frequent complaints. Select from
among several well established, licensed contractors
who have submitted written, fixed-price bids for the
work.
48. Do not sign any contract that requires full payment
before satisfactory completion of the work.
Major Appliances
49. Consult Consumer Reports, available in most
public libraries, for information about specific
appliance

brands and models and how to evaluate them,
including energy use. There are often great price and
quality differences. Look for the yellow Energy Guide
label on products, and especially for products that
have earned the government's ENERGY STAR®, which
can save up to 50% in energy use.
50. Once you've selected a specific brand and model,
check the Internet or yellow pages to learn what
stores carry the brand. Call at least four of these
stores to compare prices and ask if that's the lowest
price they can offer you. This comparison shopping
can save you as much as $100 or more.


Heating and Cooling
51. A home energy audit can identify ways to save up
to hundreds of dollars a year on home heating (and air
conditioning). Ask your electric or gas utility if they
audit homes for free or for a reasonable charge. If they
do not, ask them to refer you to a qualified professional.
52. Enrolling in load management programs and off-
hour rate programs offered by your electric utility may
save you up to $100 a year in electricity costs. Call
your electric utility for information about these cost-
saving programs.
Telephone Service
53. Once a year, review your phone bills for the
previous three months to see what local, local toll,
long distance, and international calls you normally
make. Call several phone companies which provide
service in your area (including wireless and cable), to
find the cheapest calling plan that meets your needs.
Consider a bundled package that offers local, local toll
and long distance, and possibly other services, if you
heavily use all the services in the bundle.
54. Check your phone bill to see if you have optional
calling features or additional services, such as inside
wire maintenance, that you don't need. Each option you
drop could save you $40 or more each year.
55. If you make very few toll or long distance calls,
avoid calling plans with monthly fees or minimums. Or
consider disconnecting the service altogether and use
dial around services such as 10-10 numbers or
prepaid phone cards for your calls. When shopping for
dial around service, look for fees, call minimum, and
per minute rates. Treat prepaid cards as cash and find
out if there is an expiration date.
56. If you use a cell phone, make sure your calling
plan matches the pattern of calls you typically make.
Understand peak calling periods, area coverage,
roaming, and termination charges. Contracts offered by
most carriers will provide you with a trial period of 14
days or more. Use that time to make sure the service
provides coverage in all the places you will be using
the phone (home, work etc.). Prepaid wireless plans
tend to have higher per minute rates and fees but may
be a better option if you use the phone only
occasionally.
57. Before making calls when away from home,
compare per minute rates and surcharges for cell
phones, prepaid phone cards, and calling card plans
to find how to save the most money.
58. Dial your long distance calls directly. Using an
operator to place the call can cost you up to $10 extra.
To save money on information calls, look the number
up on the Internet, or in the directory.


Food Purchased at Markets
59. You can save hundreds of dollars a year by
shopping at lower-priced food stores. Convenience
stores often charge the highest price.
60. You will spend less on food if you shop with a list,
take advantage of sales, and purchase basic
ingredients, rather than pre-packaged components or
ready-made items.
61. You can save hundreds of dollars a year by
comparing price-per-ounce or other unit prices on
shelf labels. Stock up on those items with low per-unit
costs.
Prescription Drugs
62. Since brand name drugs are usually much more
expensive than their generic equivalents, ask your
physician and pharmacist if a less expensive generic
or an over the counter alternative is available.
63. Since pharmacies may charge widely different
prices for the same medicine, call several. When
taking a drug for a long time, also consider calling
mail-order pharmacies, which often charge lower
prices.
Funeral Arrangements
KNOWLEDGEFINANCIAL.COM
64. Plan ahead, making your wishes known about your
funeral, memorial, or burial arrangements in writing to
save your family or estate unnecessary expense.
65. For information about the least costly options,
which may save you several thousand dollars, contact
a local Funeral Consumer Alliance or memorial
society, which are usually listed in the Yellow Pages
under funeral services.
66. Before selecting a funeral home, call several and
ask for prices of specific goods and services, or visit
them to obtain an itemized price list. You are entitled to
this information by law.
For most kinds of purchases, you can get valuable
advice and comparisons on the Internet. Ask a
librarian or friends which Internet sites they think are
helpful, or you can use a search engine like Google or
Yahoo. Be aware that information you find is often
biased. At many websites, the only products or sellers
listed are ones that pay to advertise. Before buying
anything on the Internet, check several websites and
make sure you deal with reputable dealers.
/ KNOWLEDGEFINANCIAL.COM
Airline Fares
1. Compare low-cost carriers with major carriers that
fly to your destination. Remember, the best fares may
not be out of the airport closest to you.
2. You may save by including a Saturday evening stay-
over or by purchasing the ticket at least 14 days in
advance. Ask which days of the week and times of the
day have the lowest fare.
3. Even if you are using a travel agent, check airline
and Internet travel sites, and look for special deals. If
you call, always ask for the lowest fare to your
destination.
Car Rental
4. Since car rental rates can vary greatly, compare
total price (including taxes and surcharge) and take
advantage of any special offers and membership
discounts.
5. Rental car companies offer various insurance and
waiver options. Check with your automobile insurance
agent and credit card company in advance to avoid
duplicating any coverage you may already have.
New Cars
KNOWLEDGEFINANCIAL.COM
6. You can save thousands of dollars over the lifetime
of a car by selecting a model that combines a low
purchase price with low depreciation, financing,
insurance, gasoline, maintenance, and repair costs.
Ask your local librarian for new car guides that contain
this information.
7. Having selected a model and options you are
interested in, you can save hundreds of dollars by
comparison shopping. Get price quotes from several
dealers (over the phone or Internet) and let each know
you are contacting the others.
8. Remember there is no "cooling off" period on new
car sales. Once you have signed a contract, you are
obligated to buy the car.
Used Cars
9. Before buying any used car:
Compare the seller's asking price with the average
retail price in a "bluebook” or other guide to car prices
which can be found at many libraries, banks, and
credit unions.
Have a mechanic you trust check the car, especially if
the car is sold "as is."
10. Consider purchasing a used car from an individual
you know and trust. They are more likely than other
sellers to charge a lower price and point out any
problems with the car.
Auto Leasing / KNOWLEDGEFINANCIAL.COM
11. Don't decide to lease a car just because the
payments are lower than on a traditional auto loan. The
leasing payments are lower because you don't actually
own the car.
12. Leasing a car is very complicated. When shopping,
consider the price of the car (known as the capitalized
cost), your trade-in allowance, any down payment,
monthly payments, various fees (excess mileage,
excess "wear and tear," end-of- lease), and the cost of
buying the car at the end of the lease. A valuable
source of information about auto leasing can be found
in Keys to Vehicle Leasing: A Consumer Guide, which
is published by the Federal Reserve Board and
Federal Trade Commission.
Gasoline
13. You can save hundreds of dollars a year by
comparing prices at different stations, pumping gas
yourself, and using the lowest-octane called for in your
owner's manual.
14. You can save up to $100 a year on gas by keeping
your engine tuned and your tires inflated to their proper
pressure.
Car Repairs / KNOWLEDGEFINANCIAL.COM
15. Consumers lose billions of dollars each year on
unneeded or poorly done car repairs. The most
important step that you can take to save money on
these repairs is to find a skilled, honest mechanic.
Before you need repairs, look for a mechanic who:
is certified and well established;
has done good work for someone you know; and
communicates well about repair options and costs.


Auto Insurance
16. You can save several hundred dollars a year by
purchasing auto insurance from a licensed, low-price
insurer. Call your state insurance department for a
publication showing typical prices charged by different
companies. Then call at least four of the lowest-priced,
licensed insurers to learn what they would charge you
for the same coverage.
17. Talk to your agent or insurer about raising your
deductibles on collision and comprehensive coverage
to at least $500 or, if you have an old car, dropping
this coverage altogether. This can save you hundreds
of dollars on insurance premiums.
18. Make certain that your new policy is in effect
before dropping your old one.
Homeowner/Renter Insurance
19. You can save several hundred dollars a year on
homeowner insurance and up to $50 a year on renter
insurance by purchasing insurance from a low-price,
licensed insurer. Ask your state insurance department
for a publication showing typical prices charged by
different licensed companies. Then call at least four of
the lowest priced insurers to learn what they would
charge you. If such a publication is not available, it is
even more important to call at least four insurers for
price quotes.
20. Make certain you purchase enough coverage to
replace the house and its contents. "Replacement" on
the house means rebuilding to its current condition.
21. Make certain your new policy is in effect before
dropping your old one.
Life Insurance
22. If you want insurance protection only, and not a
savings and investment product, buy a term life
insurance policy.
23. If you want to buy a whole life, universal life, or
other cash value policy, plan to hold it for at least 15
years. Canceling these policies after only a few years
can more than double your life insurance costs.
24. Check the National Association of Insurance
Commissioners website or your local library for
information on the financial soundness of insurance
companies.


Checking Accounts and Debit Cards
25. You can save more than $100 a year in fees by
selecting a free checking account or one with no
minimum balance requirement. Request a complete
list of fees that are charged on these accounts,
including ATM and debit card fees.
26. See if you can get free or lower cost checking
through direct deposit or agreeing to ATM only use. Be
aware of charges for using an ATM not associated
with your financial institution.
Savings Products
27. Before opening a savings account, find out
whether the account is insured by the federal
government (FDIC for banks or NCUA for credit
unions). Financial institutions offer a number of
products, such as mutual funds and annuities, which
are not insured.
28. Once you select a type of savings account, use the
telephone, newspaper, and Internet to compare rates
and fees offered by different financial institutions-
including those outside your city. These rates can vary
a lot and, over time, can significantly affect interest
earnings. / KNOWLEDGEFINANCIAL.COM
29. To earn the highest return on savings (annual
percentage yield) with little or no risk, consider
certificates of deposit (CDs) or U.S. Savings Bonds
(Series I or EE).
Credit Cards
30. To avoid late payment fees and possible interest
rate increases on your credit cards, make sure you
send in your payment a week to ten days before the
statement due date. Late payments on one card can
increase fees and interest rates on other cards.
31. You can avoid interest charges, which may be
considerable, by paying off your entire bill each month.
If you are unable to pay off a large balance, pay as
much as you can. Try to shift the remaining balance to
a credit card with a lower annual percentage rate
(APR). You can find listings of credit card plans, rates,
and terms on the Internet, in personal finance
magazines, and in newspapers.
32. Be aware that credit cards with rebates, cash
back, travel awards, or other perks may carry higher
rates or fees.
Auto Loans
33. To save as much as several thousand dollars in
finance charges, pay for the car in cash or make a
large down payment. Always get the shortest term loan
possible as this will lower your interest rate.
34. Make certain to get a rate quote (or pre-approved
loan) from your bank or credit union before seeking
dealer financing. You can save as much as $1000 in
finance charges by shopping for the cheapest loan.
35. Make certain to consider the dollar difference
between low-rate financing and a lower sale price.
Remember that getting zero or low-rate financing from
a dealer may prevent you from getting the rebate.
First Mortgage Loans
36. Although your monthly payment may be higher, you
can save tens of thousands of dollars in interest
charges by shopping for the shortest-term mortgage
you can afford. For each $100,000 you borrow at a 7%
annual percentage rate (APR), for example, you will
pay over $75,000 less in interest on a 15-year fixed
rate mortgage than you would on a 30-year fixed rate
mortgage.
37. You can save thousands of dollars in interest
charges by shopping for the lowest-rate mortgage with
the fewest points. On a 15-year $100,000 fixed-rate
mortgage, just lowering the APR from 7% to 6.5% can
save you more than $5,000 in interest charges over
the life of the loan, and paying two points instead of
three would save you an additional $1,000.
38. Check the Internet or your local newspaper for
mortgage rate surveys, then call several lenders for
information about their rates (APRs), points, and fees.
If you choose a mortgage broker, make certain to
compare their offers with those of direct lenders.
39. Be aware that the interest rate on most adjustable
rate mortgages (ARMs) can vary a great deal over the
lifetime of the loan. An increase of several percentage
points might raise payments by hundreds of dollars a
month, so ask the lender what the highest possible
monthly payment might be.
Mortgage Refinancing
40. Consider refinancing your mortgage if you can get
a rate that is lower than your existing mortgage rate
and plan to keep the new mortgage for at least several
years. Calculate precisely how much your new
mortgage (including points, fees and closing costs)
will cost and whether, in the long run, it will cost less
than your current mortgage.
Home Equity Loans
41. Be cautious in taking out home equity loans. The
loans reduce or may even eliminate the equity that you
have built up in your home. (Equity is the cash you
would have if you sold your house and paid off your
mortgage loans.) If you are unable to make payments
on home equity loans, you could lose your home.
42. Compare home equity loans offered by at least four
reputable lending institutions. Consider the interest
rate on the loan and the annual percentage rate (APR),
which includes other costs, such as origination fees,
discount points, mortgage insurance, and other fees.
Ask if the rate changes, and if so, how it is calculated
and how frequently, as this will affect the amount of
your monthly payments.


Home Purchase
43. You can often negotiate a lower sale price by
employing a buyer broker who works for you, not the
seller. If the buyer broker or the broker's firm also lists
properties, there may be a conflict of interest, so ask
them to tell you if they are showing you a property that
they have listed.
44. Do not purchase any house until it has been
examined by a home inspector that you selected.
Renting a Place to Live
45. Do not limit your rental housing search to
classified ads or referrals from friends and
acquaintances. Select buildings where you would like
to live and contact their building manager or owner to
see if anything is available.
46. Remember that signing a lease probably obligates
you to make all monthly payments for the term of the
agreement.
Home Improvement
47. Home repairs often cost thousands of dollars and
are the subject of frequent complaints. Select from
among several well established, licensed contractors
who have submitted written, fixed-price bids for the
work.
48. Do not sign any contract that requires full payment
before satisfactory completion of the work.
Major Appliances
49. Consult Consumer Reports, available in most
public libraries, for information about specific
appliance

brands and models and how to evaluate them,
including energy use. There are often great price and
quality differences. Look for the yellow Energy Guide
label on products, and especially for products that
have earned the government's ENERGY STAR®, which
can save up to 50% in energy use.
50. Once you've selected a specific brand and model,
check the Internet or yellow pages to learn what
stores carry the brand. Call at least four of these
stores to compare prices and ask if that's the lowest
price they can offer you. This comparison shopping
can save you as much as $100 or more.


Heating and Cooling
51. A home energy audit can identify ways to save up
to hundreds of dollars a year on home heating (and air
conditioning). Ask your electric or gas utility if they
audit homes for free or for a reasonable charge. If they
do not, ask them to refer you to a qualified professional.
52. Enrolling in load management programs and off-
hour rate programs offered by your electric utility may
save you up to $100 a year in electricity costs. Call
your electric utility for information about these cost-
saving programs.
Telephone Service
53. Once a year, review your phone bills for the
previous three months to see what local, local toll,
long distance, and international calls you normally
make. Call several phone companies which provide
service in your area (including wireless and cable), to
find the cheapest calling plan that meets your needs.
Consider a bundled package that offers local, local toll
and long distance, and possibly other services, if you
heavily use all the services in the bundle.
54. Check your phone bill to see if you have optional
calling features or additional services, such as inside
wire maintenance, that you don't need. Each option you
drop could save you $40 or more each year.
55. If you make very few toll or long distance calls,
avoid calling plans with monthly fees or minimums. Or
consider disconnecting the service altogether and use
dial around services such as 10-10 numbers or
prepaid phone cards for your calls. When shopping for
dial around service, look for fees, call minimum, and
per minute rates. Treat prepaid cards as cash and find
out if there is an expiration date.
56. If you use a cell phone, make sure your calling
plan matches the pattern of calls you typically make.
Understand peak calling periods, area coverage,
roaming, and termination charges. Contracts offered by
most carriers will provide you with a trial period of 14
days or more. Use that time to make sure the service
provides coverage in all the places you will be using
the phone (home, work etc.). Prepaid wireless plans
tend to have higher per minute rates and fees but may
be a better option if you use the phone only
occasionally.
57. Before making calls when away from home,
compare per minute rates and surcharges for cell
phones, prepaid phone cards, and calling card plans
to find how to save the most money.
58. Dial your long distance calls directly. Using an
operator to place the call can cost you up to $10 extra.
To save money on information calls, look the number
up on the Internet, or in the directory.


Food Purchased at Markets
59. You can save hundreds of dollars a year by
shopping at lower-priced food stores. Convenience
stores often charge the highest price.
60. You will spend less on food if you shop with a list,
take advantage of sales, and purchase basic
ingredients, rather than pre-packaged components or
ready-made items.
61. You can save hundreds of dollars a year by
comparing price-per-ounce or other unit prices on
shelf labels. Stock up on those items with low per-unit
costs.
Prescription Drugs
62. Since brand name drugs are usually much more
expensive than their generic equivalents, ask your
physician and pharmacist if a less expensive generic
or an over the counter alternative is available.
63. Since pharmacies may charge widely different
prices for the same medicine, call several. When
taking a drug for a long time, also consider calling
mail-order pharmacies, which often charge lower
prices.
Funeral Arrangements
KNOWLEDGEFINANCIAL.COM
64. Plan ahead, making your wishes known about your
funeral, memorial, or burial arrangements in writing to
save your family or estate unnecessary expense.
65. For information about the least costly options,
which may save you several thousand dollars, contact
a local Funeral Consumer Alliance or memorial
society, which are usually listed in the Yellow Pages
under funeral services.
66. Before selecting a funeral home, call several and
ask for prices of specific goods and services, or visit
them to obtain an itemized price list. You are entitled to
this information by law.
| SOUTH FLORIDA REAL ESTATE: CALL 786-7---BUYING, SELLING, LEASING, LISTING. WE'VE EXPERIENCE, WE'RE COMPETENT, WE'RE LOYAL.-- CALL US . WE ASSURE YOU THAT, WE'LL HELP YOU ACHIEVE YOUR GOAL. WE'LL WORK HARD IN YOUR BEHALF TO GET THE BEST PROPERTY IN A GREAT LOCATION FOR THE BEST PRICE-- CALL 786- |
| SOUTH FLORIDA, YOU HAVE A PROPERTY FOR SALE? LET US HELP YOU! CALL AT: 786- WE ADVERTISE FOR SALE PROPERTIES AGGRESSIVELY WE CAN HELP YOU SELL FAST, QUICK AND FOR THE TOP PRICE! CALL ANTONY AT: 786-709-6577---- Fortune Int Realty |
SAVING: THE SECRETS OF SAVING; WAYS TO SAVE A LOT OF MONEY AND
GETTING RICHER''
GETTING RICHER''
| INVESTMENT: MAKE YOURSELF RICHER BY INVESTING THE RIGHT WAY IN THE RIGHT PRODUCTS. REAL ESTATE INVESTMENTS CAN HELP STOCK MARKET: STOCK MARKET A WAY TO INVEST AND MULTIPLY YOUR PROFITS. THESE INDUSTRIES HAS THOUSANDS OF COMPANIES TO BUY STOCKS FROM. MUTUAL FUNDS: MUTUAL FUNDS A WONDERFUL WAY TO INVEST YOUR MONEY. Buying and Selling mutual funds You can buy some mutual funds (no-load) by contacting the fund companies directly. Other funds are sold through brokers, banks, financial planners, or insurance agents. BOND FUNDS: INVESTING IN THE BONDS MARKET. WHAT ARE BONDS? Have you ever borrowed money? Of course you have! Whether we hit our parents up for a few bucks to buy candy as children or asked the bank for a mortgage, most of us have borrowed money at some point in our lives. FOREX MARKET: THE LARGEST MARKET IN THE WORLD TO INVEST AND GET RICHER IF YOU USE THE RIGHT TOOL. FOREIGN EXCHANGE-(forex or FX for short) is one of the most exciting, fast-paced markets around. Until recently, trading in the forex market had been the domain of large financial institutions, corporations, central banks, hedge funds and extremely wealthy individuals. The emergence of the internet has changed all of this, and now it is possible for average investors to buy and sell currencies easily with the click of a mouse. TAX CERTIFICATES: TAX CERTIFICATE / TAX DEED: A BETTER WAY TO INVEST MONEY AND GET RICHER. TAX LIENS: How Can You Safely Earn 18% to 240% Per Year On Your Investments? Yes you can... By investing in Government Issued Tax Liens, Tax deed REITs: REIT: Real Estate Investment Trust. A GREAT WAY TO INVEST IN REAL ESTATE WITHOUT TAKING A MORTGAGE LOAN COMMERCIAL INVESTMENT. ALL THAT CAN HELP! COMMERCIAL REAL ESTATE; A BETTER WAY TO INVEST AND GET RICHER! MULTI-WAYS TO WIN BIG IN REAL ESTATE. WHAT IS COMMERCIAL REAL ESTATE? FINANCIAL REPORT: HOW TO GET A MORTGAGE HOME LOAN? Securing a home loan is the most important step in the home-buying process. Here are the basics for getting your financing. HOW TO GET PRE-QUALIFY FOR A HOME LOAN? 8 Fundamental Reasons to Get Pre- Approved for a Home Loan! The first and most important step in buying a home is getting pre-qualified for a home loan. BY GETTING PREQUALIFIED, YOU IMMEDIATELY FIND YOURSELF IN A STRONGER NEGOTIATION POSITION. YOU MADE YOURSELF MORE ATTRACTIVE TO SELLERS. IDENTITY THEFT: WATCH OUT, STOP IT FROM HAPPENING, GET THE TOOLS YOU NEED TO PREVENT IT RIGHT HERE! AT KNOWLEDGE FINANCIAL.COM CREDIT HELP: Use Your Credit Clout: Credit Laws That are on Your Side; Understanding Your Debt Collection Rights CREDIT INFO: SAVE YOUR CREDIT, RESCUE IT, PROTECT IT, INCREASE YOUR SCORE. WE HAVE VALUABLE INFORMATION TO HELP YOU CREDIT CARDS: The American Credit Cards are very important to have; but credit cards represent a danger for those who may not have the discipline, order or those who don't think what a plastic card can do for them or to them! The borrowers are the slaves of the lenders. Credit cards issuers are monsters the can eat the average consumers alive. CREDIT RATING: THE IMPORTANCE OF YOUR CREDIT RATING! Credit Card Fraud: 21 Tips to Protect Yourself. More about your credit Score. Companies base your credit scores on five categories ID-THEFT: HOW TO PROTECT AND DEFEND YOURSELF AGAINST IDENTITY THEFT? ----- DETER, DETECT AND DEFEND? TAX SAVING TIPS FOR INDIVIDUAL INVESTOR, GREAT INFORMATION FOR ALL. Taxes The More You Know, the Less You’ll Pay Business structures 101 LLP, LLC, S-corp and C-corp: It's not just alphabet soup! A breakdown of what you need to know, in layman's terms. what are you doing with your money in the wake of the financial crisis? Where is the safe place to put MONEY? |
| YOU HAVE A PROPERTY FOR SALE? LET US HELP YOU!----- WE WILL ADVERTISE YOUR FOR SALE PROPERTIES AGGRESSIVELY, WE CAN HELP YOU SELL FAST, QUICK AND FOR THE TOP PRICE! - CALL ANTONY AT: 786--- REALTOR ASSOCIATE At Fortune International Realty |
How to turn your electronics into cash
If you're like most Americans, you probably have a stockpile of old cell phones, laptops, or other electronics taking up
valuable space in your home. It's hard to know what to do with working gadgets you no longer need.
Luckily there are more options than ever for those who don't want to fill landfills with stuff that others can use. In fact, it's
possible to earn a few extra bucks in the process.
How? A growing number of websites allow you to easily sell your old electronics for cash. They all work in the same basic
way, although there are differences in details such as which products they buy, and, of course, in how much they're willing to
shell out
Here's how it generally works:
Search for the product you want to unload.
Answer a few simple questions about its overall condition and which additional accessories you have.
Company will calculate an offer for you.
If you decide to sell, you can print out a pre-paid shipping label. Some will send a box for you to ship in.
Payment options vary, but most allow you to choose between receiving a check in the mail or a credit to your PayPal account.
In some cases, you can choose to donate the payment to charity.
If you're like most Americans, you probably have a stockpile of old cell phones, laptops, or other electronics taking up
valuable space in your home. It's hard to know what to do with working gadgets you no longer need.
Luckily there are more options than ever for those who don't want to fill landfills with stuff that others can use. In fact, it's
possible to earn a few extra bucks in the process.
How? A growing number of websites allow you to easily sell your old electronics for cash. They all work in the same basic
way, although there are differences in details such as which products they buy, and, of course, in how much they're willing to
shell out
Here's how it generally works:
Search for the product you want to unload.
Answer a few simple questions about its overall condition and which additional accessories you have.
Company will calculate an offer for you.
If you decide to sell, you can print out a pre-paid shipping label. Some will send a box for you to ship in.
Payment options vary, but most allow you to choose between receiving a check in the mail or a credit to your PayPal account.
In some cases, you can choose to donate the payment to charity.
''Exchange Traded Funds (ETFs) Discover exchange traded funds and learn how to
make them a profitable part of your portfolio.
-Some tips before you get started:
Shop around to find the best prices. For an iPhone 3G, 8GB, in good condition bids ranged from $119 to $186, so it's
definitely worth the extra time it takes to visit a few websites.
Be sure to check what the terms are if the item you send isn't in the expected condition.
Some websites will offer you the chance to change your mind and have the product sent back to you. Others will send
products with no value to be responsibly recycled.
Don't wait too long to sell your old gadgets because the prices decrease as they get older.
Remove your personal data before shipping out your product.
Below is a sampling of websites that will pay cash for your castaways.
''Gazelle buys a large assortment of products -- everything from cell phones, PDAs, and MP3 players to laptops, digital
cameras, gaming systems.
The company also has a program with Costco where you can receive a Costco cash card in exchange for old devices.
''You Renew buys or recycles cell phones, MP3 players, digital cameras, calculators, laptops, gaming devices, external
drives, and tablet eReaders. If your device has no value, you can still ship it for free to You Renew for safe recycling.
''Next Worth purchases all of these things; iPods, iPhones, cell phones, cameras, e-Readers, laptops, video games, game
console, GPS, DVD, and movies.
''Flipswap offers a set price for cell phones only. No questions are asked, but the company says phones need to be in
"working condition."
.
''Cell for Cash, as its name suggests, only buys old cell phones. They offer a set price without asking questions, but expect
the phones to be in good condition.
-----------------------------
Just interested in recycling your old electronics?
Search for local recycling events or visit Earth 911.
Major manufacturers will often take back their products, and some will even offer you a discount on buying a new product.
Apple, for example, will give you a 10 percent discount on a new iPod when you bring in your old one to be recycled.
Several retailers will allow you to bring in your gadgets for free recycling. And some, such as Radio Shack, allow you to
trade in old devices for store credit.
make them a profitable part of your portfolio.
-Some tips before you get started:
Shop around to find the best prices. For an iPhone 3G, 8GB, in good condition bids ranged from $119 to $186, so it's
definitely worth the extra time it takes to visit a few websites.
Be sure to check what the terms are if the item you send isn't in the expected condition.
Some websites will offer you the chance to change your mind and have the product sent back to you. Others will send
products with no value to be responsibly recycled.
Don't wait too long to sell your old gadgets because the prices decrease as they get older.
Remove your personal data before shipping out your product.
Below is a sampling of websites that will pay cash for your castaways.
''Gazelle buys a large assortment of products -- everything from cell phones, PDAs, and MP3 players to laptops, digital
cameras, gaming systems.
The company also has a program with Costco where you can receive a Costco cash card in exchange for old devices.
''You Renew buys or recycles cell phones, MP3 players, digital cameras, calculators, laptops, gaming devices, external
drives, and tablet eReaders. If your device has no value, you can still ship it for free to You Renew for safe recycling.
''Next Worth purchases all of these things; iPods, iPhones, cell phones, cameras, e-Readers, laptops, video games, game
console, GPS, DVD, and movies.
''Flipswap offers a set price for cell phones only. No questions are asked, but the company says phones need to be in
"working condition."
.
''Cell for Cash, as its name suggests, only buys old cell phones. They offer a set price without asking questions, but expect
the phones to be in good condition.
-----------------------------
Just interested in recycling your old electronics?
Search for local recycling events or visit Earth 911.
Major manufacturers will often take back their products, and some will even offer you a discount on buying a new product.
Apple, for example, will give you a 10 percent discount on a new iPod when you bring in your old one to be recycled.
Several retailers will allow you to bring in your gadgets for free recycling. And some, such as Radio Shack, allow you to
trade in old devices for store credit.
ATTENTION, ATTENTION!
IMPORTANT INFORMATION ABOUT THE
UNITED STATES FIVE [5] BIGGEST
FINANCIAL INSTITUTIONS...
,,Federal Housing Administration {FHA}
Mortgage Loan Programs Information
Center. --- Government's general
Information; Local, State, and Federal.--
Bank of America Financial Services
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Top 10 home-buying mistakes to avoid!
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MORE YOU KNOW, THE LESS YOU PAY...
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Calculator Problems every investors should
know about...--
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RICH GUIDE: WHY AREN'T YOU RICH?
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| BUYING, SELLING, LEASING A REAL STATE PROPERTY IN SOUTH FLORIDA IS THE AFFAIR OF A LICENSED REAL ESTATE PROFESSIONAL. CALL ANTONY AT: FOR A COMPLETE REAL ESTATE SERVICE! |
| HE SECRETS TO SAVE MONEY Save Your Money The smartest words ever said by anyone: “A penny saved is a penny earned.” Start small. Don’t give up. Don’t dip into your savings unless it’s an emergency. Every little bit helps. Did you know that if you saved $1 per day and invested it at 10%, you’d have almost $200,000 in 40 years? Every little bit counts and it is very important that you take this financial advice, get out of debt and save money - and start saving it now! Click here to get tips on ways to SAVE MONEY. You can save money in many different ways. For example, using coupons at a grocery store or buying things on sale that you’d buy regardless of whether or not it was on sale save you money. You can also save money by foregoing spending until a future date or by foregoing spending on non-essential items. For some people, self-control is a real issue and if the money isn’t “accounted for” immediately, they tend to spend it on impulse and luxury items that are non-essential. If you find yourself in this category, or have trouble saving, you should create an investment account that is automatically funded each month. To do this, you may need to create a monthly budget to determine a monthly savings goal. If you do create a budget, make sure that it is realistic, matches your lifestyle and that it leaves plenty of room for miscellaneous expenses that seem to pop up regularly. If you create an unrealistic budget you’ll likely save less than what your budget calls for, become frustrated and resort to your old ways. ------------------------------------------------------------------------------ THE SECRET TO SAVING MONEY You CAN Save For Your Future Saving money is a basic concept of personal financial planning, and key to financial success. Yet many of us don't have a formal savings plan. Without such a plan, the chances of ever saving enough money to meet long-term financial goals or achieve financial security are very slim. |
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| 10 Steps To Retire A Millionaire Having a million-dollar portfolio is a retirement dream for many people. Making that dream come true requires some serious effort. While success is never a sure thing, the 10 steps outlined below will go a long way toward helping you achieve your objective. / KNOWLEDGEFINANCIAL.COM --------------------------- 1. Set the Goal Nobody plans to fail, but plenty of people fail to plan. It's a cliché, but it's true. "Plan" is the leading self-help advice from athletes, business moguls and everyday people who have achieved extraordinary goals. (Read Plan To Retire Rich for additional insight into how to develop a course of action to achieve your goals.) 2. Start Saving / KNOWLEDGEFINANCIAL.COM If you don't save, you'll never reach your goal. As obvious as this might seems, far too many people never even start to save. If your employer offers a 401(k) plan, enrolling in the plan is a great way to put your savings on autopilot. Simply sign up for the plan and contributions will be automatically taken out of your paycheck, increasing your savings and decreasing your immediate tax liability. If your employer offers to match your contributions up to a certain percentage, be sure to contribute enough to get the full match. It's like getting a guaranteed return on your investment. Finding the cash to stash may be a challenge, particularly when you're young, but don't let that stop you from pursuing future riches 3. Get Aggressive Studies have shown that the majority of the returns generated by an investment are dictated by the asset-allocation decision. If you are looking to grow your wealth over time, fixed-income investments aren't likely to get the job done, and inflation can take a big chunk out of your savings. Investing in equities entails more risk, but is also statistically likely to lead to greater returns. For many of us, it's a risk we have to take if want to see our wealth grow. Asset-allocation strategies can help you learn how to make picking the right mix of securities the core of your investing strategy. 4. Prepare for Rainy Days Part of long-term planning involves accepting the idea that setbacks will occur. If you are not prepared, these setbacks can put a stop to your savings efforts. While you can't avoid all of the bumps in the road, you can prepare in advance to mitigate the damage they can do. (Read Build Yourself An Emergency Fund to help structure your finances to avoid financial disaster.) 5. Save More / KNOWLEDGEFINANCIAL.COM Your income should rise as time passes. You'll get raises, you'll change jobs, and maybe you'll get married and become a two-income family. Every time more cash comes in to your pocket, you should increase the amount that you save. The key to reaching your goal as quickly as possible is to save as much as you can. 6.Watch Your Spending Vacations, car, kids and all of life's other expenses take a big chunk out of your paycheck. To maximize your savings, you need to minimize your spending. Buying a home you can afford and living a lifestyle that is below your means and not funded by credit cards are all necessities if you want to boost your savings. 7. Monitor Your Portfolio There's no need to obsess over every movement of the Dow. Instead, check your portfolio once a year. Rebalance your asset allocation to keep on track with your plan. 8. Max Out Your Options Take advantage of every savings opportunity that comes your way. Make the maximum contribution to tax-deferred savings plans and then open up a taxable account too. Don't let any chance to save get away. 9. Catch-Up Contributions When you reach age50, you are eligible to increase contributions to tax-deferred savings plans. Take advantage of this opportunity! (For more ways to save money and increase your nest egg for the fast-approaching golden years, 10. Have Patience "Get-rich-quick" schemes are usually just that - schemes. The power of compounding takes time, so invest early, invest often and accept that the road to riches is often long and slow. With that in mind, the sooner you get started, the better your odds of achieving your goals. CONCLUSION The Reality Of Retirement / KNOWLEDGEFINANCIAL.COM Retirement might seem far away, but it when it arrives nobody ever complains about having too much money. Some people even question whether a million dollars is enough. (To find out why this magic number has lost some of its luster as a retirement savings target and to temper your expectations regarding the lifestyle you will be able to afford during retirement, That said, with lots of planning and discipline, you can reach your retirement goals and live a comfortable life after work. |
All it takes to be successful and make the money that
successful people make, is to do what successful
people do to be successful. ANTHONY J.
successful people make, is to do what successful
people do to be successful. ANTHONY J.
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''10 Money Mistakes Almost
Everyone Makes.. HOW TO AVOID THEM?
''Like Us On Facebook''
Overspending on housing.
It's almost impossible to get ahead financially unless you
save a significant chunk of your income—ideally, $1 of
every $3 you earn. But many people get tripped up by their
housing costs. Traditionally, financial advisors have
encouraged buyers to spend about one-third of their
income on housing. But for many people, especially anyone
with student loan debts, child care payments, or other hefty
expenses, that's too much money
Falling victim to spending traps.
Rewards credit cards sound good in theory, but in reality
they encourage you to spend more than you would
otherwise. Economists dub this phenomenon "purchase
acceleration," because you ramp up your spending when
that reward is in sight. Rewards cards also carry a higher
interest rate—two percentage points, on average—than
non-rewards cards.
Failing to negotiate prices.
Even department stores often offer some wiggle room on
their posted prices, and big-box stores usually match
competitors' prices. This negotiating trend has become so
prevalent that pushy customers:. But many consumers fail
to realize that prices are flexible and don't bother asking for
a better deal. NOT ASKING FOR A BETTER PRICE, NOT
NEGOTIATED IS A Big Mistake!
Earning income from only one
source.
The average worker now holds 10 different jobs before age
36. While some of those job changes are voluntary, many
also come from layoffs. By earning income from a variety of
sources, workers can increase their financial stability.
Options for new sources of income include: '' EARNED
INCOME , PASSIVE INCOME,
PORTFOLIO INCOME, RESIDUAL INCOME.-''
Taking on too much, or too little,
debt
Not all debt is bad. It can enable you to return to school, buy
much-needed professional outfits before receiving your
first paycheck, or even cover your rent during a tough
month. Being so afraid of debt that you avoid it altogether
can force you to miss out on opportunities, while taking on
too much can lead to financial ruin.
''CREDIT REPORT// CREDIT HELP // CREDIT INFO /-
Trying to beat the market
Timing the market would require a Back to the Future-style
time machine. That's why investing a little bit at a time,
regardless of the market's behavior, is the safest way to
go. Retirement accounts such as 401(k)s, which invest
money from your paycheck each month, make it easy to
invest this way.
Paying too much attention to the
stock market
Focusing too much on the ups and downs of the market just
causes stress. When the market's plunging, instead focus
on your hobbies, family, and getting outside. Avoid cable
television news, which often treats every dip in the market
like a major crash. If your investments are well-diversified,
then you've done all you can. MARKET WATCH
Counting on Social Security.
Just as today's thirty-somethings start thinking about
retirement in 2037, the Social Security trust fund is
scheduled to run out. That means, if nothing changes,
benefits will shrink to about three-quarters of what they are
now, because only money that is being paid into the system
will be paid out. That means young professionals need to
plan on funding the bulk of their retirement with their own
savings. RETIREMENT PLAN
Underestimating tax bills.
People who earn money beyond their usual paycheck, from
freelance work or a side business, are most at risk for
owing a lot of money in April, which can also trigger
additional fees. Married couples who earn similar, high
salaries are also at risk, because of the so-called marriage
penalty. Check to see if you've been paying roughly the
correct amount of taxes by reviewing your payroll stubs or
other documentation.
> Money > Personal Finance > 10 Money Mistakes Almost
Everyone Makes
Everyone Makes.. HOW TO AVOID THEM?
''Like Us On Facebook''
Overspending on housing.
It's almost impossible to get ahead financially unless you
save a significant chunk of your income—ideally, $1 of
every $3 you earn. But many people get tripped up by their
housing costs. Traditionally, financial advisors have
encouraged buyers to spend about one-third of their
income on housing. But for many people, especially anyone
with student loan debts, child care payments, or other hefty
expenses, that's too much money
Falling victim to spending traps.
Rewards credit cards sound good in theory, but in reality
they encourage you to spend more than you would
otherwise. Economists dub this phenomenon "purchase
acceleration," because you ramp up your spending when
that reward is in sight. Rewards cards also carry a higher
interest rate—two percentage points, on average—than
non-rewards cards.
Failing to negotiate prices.
Even department stores often offer some wiggle room on
their posted prices, and big-box stores usually match
competitors' prices. This negotiating trend has become so
prevalent that pushy customers:. But many consumers fail
to realize that prices are flexible and don't bother asking for
a better deal. NOT ASKING FOR A BETTER PRICE, NOT
NEGOTIATED IS A Big Mistake!
Earning income from only one
source.
The average worker now holds 10 different jobs before age
36. While some of those job changes are voluntary, many
also come from layoffs. By earning income from a variety of
sources, workers can increase their financial stability.
Options for new sources of income include: '' EARNED
INCOME , PASSIVE INCOME,
PORTFOLIO INCOME, RESIDUAL INCOME.-''
Taking on too much, or too little,
debt
Not all debt is bad. It can enable you to return to school, buy
much-needed professional outfits before receiving your
first paycheck, or even cover your rent during a tough
month. Being so afraid of debt that you avoid it altogether
can force you to miss out on opportunities, while taking on
too much can lead to financial ruin.
''CREDIT REPORT// CREDIT HELP // CREDIT INFO /-
Trying to beat the market
Timing the market would require a Back to the Future-style
time machine. That's why investing a little bit at a time,
regardless of the market's behavior, is the safest way to
go. Retirement accounts such as 401(k)s, which invest
money from your paycheck each month, make it easy to
invest this way.
Paying too much attention to the
stock market
Focusing too much on the ups and downs of the market just
causes stress. When the market's plunging, instead focus
on your hobbies, family, and getting outside. Avoid cable
television news, which often treats every dip in the market
like a major crash. If your investments are well-diversified,
then you've done all you can. MARKET WATCH
Counting on Social Security.
Just as today's thirty-somethings start thinking about
retirement in 2037, the Social Security trust fund is
scheduled to run out. That means, if nothing changes,
benefits will shrink to about three-quarters of what they are
now, because only money that is being paid into the system
will be paid out. That means young professionals need to
plan on funding the bulk of their retirement with their own
savings. RETIREMENT PLAN
Underestimating tax bills.
People who earn money beyond their usual paycheck, from
freelance work or a side business, are most at risk for
owing a lot of money in April, which can also trigger
additional fees. Married couples who earn similar, high
salaries are also at risk, because of the so-called marriage
penalty. Check to see if you've been paying roughly the
correct amount of taxes by reviewing your payroll stubs or
other documentation.
> Money > Personal Finance > 10 Money Mistakes Almost
Everyone Makes
'Rollover Account // Retirement Plan // Life Insurance // IRA/Roth IRA // Estate Planning // Annuity // Trust Account // Pension Plan // Living
Trust // Buyheremarket
Trust // Buyheremarket
| Face your future with optimism - Since Knowledge Financial Group is here to help No matter what financial challenges you face – whether it’s debt, limited savings and investments, or lack of life insurance — they can be resolved successfully. By providing you with a better understanding of your financial situation and access to products and solutions that are appropriate for your specific goals. Komledge Financial Group |
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