August
26 - 2014

Guidelines for Responsible Gambling

Most people are able to gamble responsibly and only very few people get into personal trouble over their gambling. Essentially this is similar to drinking responsibly; most people are able to do so but just a few unfortunate ones get in trouble with their drinking and develop a drinking problem. Everybody needs a balance in their lifestyle, and it is never a good thing to overemphasis the importance of just one thing when you should spread your time around as well as your money on a variety of things. There are a number of fundamental rules regarding gambling responsibly, and although they are fairly obvious it is always worth restating them. They are:

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August
8 - 2014
July
16 - 2014

Getting Ready for Retirement

As we start to get older, we tend to start thinking more and more about retirement, or at least that’s what we should be thinking about as we age. If retirement is just a few years away, it’s important to make sure you are ready for the financial changes that it will bring. Things really will change. It’s time that you started to look at the financial reality of the situation to make sure that retirement – full retirement – is feasible for you. In today’s economic state, some who are nearing retirement age find that they may need to take a part time job to be sure they can make ends meet. There’s nothing wrong with this, but it might not be a part of your retirement plan. If you want to take it easy during your retirement, you may want to look at your current assets and see […]

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July
14 - 2014

5 Healthy Money Thoughts That Will Shape Your Financial Freedom

Your thoughts about money and finances greatly influence your financial freedom. Personal finance experts highlights the significance of having the right money psychology in managing your financial life. It impacts the way you spend, save and grow your finances in a lot of ways. By establishing a healthy money psychology, you will have the ability to maneuver your financial journey in the way you want it to go. Here are five healthy money thoughts you should always keep in mind.

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July
2 - 2014

Apps to Help You Save Money

You want to find more ways that you can save some money each month. If you have a smartphone, well, there’s an app for that. In fact, you can actually find a number of different apps that will be able to help you save some cash. Let’s look at some of the best options to help you save money in different areas of your life. Save on Gas

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June
10 - 2014

Understanding Day Trading and Whether It Is Right for You

If you are even vaguely familiar with investing, then you have most likely heard the term “day trading.” Of course, there’s a big difference between having heard a term and understanding what it actually means. Day trading is risky business, to be blunt, so you should consider all of the risks associated with it before engaging in it.

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June
10 - 2014

Buying Non Perishable Necessities Online to Save Money

As the old saying goes, a penny saved is a penny earned. While we recommend that you live a full and happy life and not let every financial choice be a constraint, we also urge people to be frugal whenever possible. The best way of saving money is when you get to save some cash, but don’t have to give up anything in return. These days, the Internet allows us to buy a great many necessities while saving on costs. You can’t buy everything online. For example, buying fresh vegetables online often doesn’t work because you’ll usually want the vegetables right away to use in this or that recipe, and of course the vegetables might rot or get damaged during the shipping and handling process. For this reason, non-perishable goods are the most commonly bought online goods.

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May
9 - 2014

What does income protection insurance do?

Sometimes it seems like there is insurance for everything. You need insurance for your car, insurance for your home, insurance for the contents inside your home, insurance for your health, and insurance when you travel. And it all costs money. So, what about income protection insurance? What does it do, and is it really worth it? Should you get income protection insurance, or is it just another monthly bill that you really don’t need in your life?

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May
9 - 2014

How to save money when you buy life insurance

While it’s generally not recommended to choose your life insurance policy based on cost alone, that doesn’t mean you should pay more than you have to. You can find life insurance that offers you the cover you need, while still saving you money. Here are our top six ways to save money on life insurance. Work out what you need

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May
9 - 2014

When is the right time to buy funeral insurance?

If you’re thinking about buying funeral insurance, there are a few factors to consider. Most importantly, you will need to work out how much your funeral is likely to cost. Secondly, you will need to work out how long you are likely to live – a factor that is perhaps slightly more difficult to estimate. The cost of a funeral

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March
13 - 2014

Saving Money as a Family

I have found the best way to save money as a family is to include everyone in the family in on the plan from the onset. Sometimes we as parents sit down and discuss finances and enforce rules which make sense to us, but the children do not understand and sometimes this causes rebellion. Including them in on all matters of your finances is not necessary. However it can be a lot of help when you are trying to save money as a family to include them in on the plan and make them a part of it. Normally children are more than willing to help out when things get difficult, or you are just trying to save money for emergencies or vacations or whatever your financial plans are.

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June
25 - 2013

How to Save Money on Your Next Big Move

Moving causes financial stress – due to the burden of packing, renting trucks and the cost of decorating your new home. If you choose to hire a professional moving service, you’re looking at fees priced in the thousands. If you choose to move yourself, you’re missing time from work when you could be earning more. It’s a big financial stress moving, which is why we put together these money-saving tips. You’ll want to employ these strategies in order to save big on your next move. Whether you’re relocating to another state outside New Jersey or moving just down the road, cutting costs is fiscally responsible. So, grab a pen and paper, because your first step is creating a budget.

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June
22 - 2013

Paying For a Vacation By Selling Old Items

Our family loves to travel in the summer months, especially to the California coast where the weather is always so beautiful.  But with gas prices and travel expenses increasing over the last year, it’s caused us to watch our vacation budget a little closer.  Of course there are two ways to think when it comes to a budget shortfall: spend less money or make more money.  We still want to enjoy the vacation, so we decided to make more money to cover the added costs.  Our idea was to look around the house for things to sell.  Instead of having a garage sale (which can sometimes be a waste of time) we looked for high priced items that would be easy to sell and that would be worth our time. Sell Old Electronics

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May
23 - 2013

5 Ways to Save Money on Work Clothes and Uniforms

Work clothes and uniforms offer a great way of equalizing all employees by making them feel at par. However, wearing the same clothes day in day out can cause them to wear out a lot faster. This, in turn, means extra costs. You’ll always want to buy new because you know they’ll last the longest. You’d rather spend money on other things, so to avoid spending more money than you have to on cheap scrub tops there are options.

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May
23 - 2013

Top 5 Ways to Become a Savvy Shopper

Couponing is still the easiest and fastest way to save money. With in-store coupons and manufacturer’s coupons, the potential to build a nest egg on grocery savings alone is tremendous. Couponing also makes for a rewarding hobby. Reading the Sunday paper and any enclosed store circulars, checking your email inbox for deals, and swinging by online coupon websites can be done in five minutes and always amounts to major dollars in your pocket.

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May
7 - 2013

5 Products You Should Stop Buying

Life being expensive as is it, we should all be looking for ways to cut on costs. Have some second thoughts on a few of the products we buy on a regular basis is a good way to get started: Some of them are plain useless expenses. Here are five products you should try and stop buying. Dryer Sheets

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May
6 - 2013

Minimalism Isn’t Hard: It’s Profitable

When you think of living a minimalist lifestyle, what do you think about? Do you think about Spartan rooms with maybe a mat for sitting and sleeping and nothing else? That’s now how minimalism works in the Western world. The truth is that living a minimalist lifestyle is all about finding how to do the most with the littlest amounts possible. It’s about not letting clutter take over your life and drain your bank account. By now you’ve already learned how to do more with your money. Why not learn how to do more with your stuff?

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April
30 - 2013

Investing in a Race Horse Without Breaking the Bank

People attending a horse race like the Kentucky Derby often imagine themselves as one of the people standing in the winner’s circle with a beautiful racing horse. Most people however consider it just a fantasy. Once considered the sport of Kings and business moguls because of the high cost of owning, training and racing a horse it is now becoming an investment accessible to more people. While it can be an expensive proposition, it is possible to invest in a racehorse without breaking the bank. If investing in a horse does not seem interesting to you, you can always bet on Kentucky Derby and try to win big money! The cost of a race horse at the Kentucky Derby, ranging from a few thousand to several million dollars, boarding fees, training costs, transportation, veterinarian care, jockey and race fees can be prohibitive for most people to ever be a single […]

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April
30 - 2013

Five Reasons Why Credit Cards can be Better than Cash

Upon hearing the words ‘credit card’, some people instantly think about debt. Whilst it’s good to be a little cautious about lending money, as this is what makes a responsible and sensible consumer, you should know that there are many ways in which some credit cards can actually be pretty helpful. In some ways, credit cards can be better than cash. Let’s take a look at a few: Credit cards allow you to spread the cost of a large purchase

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April
8 - 2013

Why Buying Stocks on Margin is Dangerous

There are never any guarantees when it comes to playing the stock market, however; there are some methods of trading that are riskier than others. Buying on margin can be a dangerous game and should only be attempted by the expert stock trader. A person who uses this method to play the stock market, could end up owing more their broker a great deal of money. Many people are really unsure of how buying on a margin works. To understand the risk, a person must know how this type of trading works. By definition, a margin is making an investment on money that is a person doesn’t have, or a borrowed amount. For instance, if a individual has ten thousand dollars in their broker account, they can borrow money against their existing stocks. By borrowing this money, this will allow them to purchase even more stocks than their current monies […]

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