Essential Money Saving Tips

Wonder how you could spend all your money without you noticing? Ever thought of why you can’t save even if your salary is quite reasonable for your position in the job market? You could always blame the economy, and you could smite your employers for not giving you the raise. But you have to deal with the realities and find some way to save money with what you have. Here’s a few money saving tips that you could use: Treat savings as expenses. Usually, people treat savings as the amount left when the total expenses are deducted from the salary. But when you treat savings as expenses as part of your money saving tips for yourself, this means...

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7 Easy Tips To Help Save Money At The Grocery Store

With the current economic situation, more and more people are trying to find ways to save. More than likely you haven’t realized that you can save a lot when you go grocery shopping. You can definitely cut back on the money you’re spending each week on groceries, which can help to ease your financial situation. If you want to save money at the grocery store, here are some easy tips that will help. Tip #1 – Start Looking at In Store Specials First of all, if you want to save at the grocery store, it’s a good idea to start looking at store specials. Many stores have weekly specials that can really help you to save. Get the papers from...

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Easy Personal Finance Planning

If people have learned one thing from the past few years it is the importance of personal finance planning. Too often, people are prone to putting off until tomorrow the things that should be done today and in the manner of finance, that leaves you one crisis away from disaster. This is a place that no one wants to be in and yet so many are, that is why personal finance planning is so vitally important. Here we will look at some simple methods of getting on track when it comes to your personal finance. Budgeting For many people the word budget is akin to diet in their vocabulary, it is a dirty word but in reality, a budget is your best...

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Personal Financial Planning

The economy is still trying to recover from the worst meltdown since the Great Depression and now more than ever it may be helpful to introduce some personal financial planning into your life. It is understandable that you may be reluctant about investing either time or resources, but if your personal financial goals are to be reached then you will need to make it happen. The six key areas of personal financial planning, as suggested by the Financial Planning Standards Board, are financial position, adequate protection, tax planning, investment and accumulation goals, retirement planning, and estate planning. Financial position is...

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How To Save Money

The common questions among people these days is how to save money in such a tough financial enviroment. If you are one of those who ask this same question, this article is for you. Saving money is a daunting task. It is easy to say “I am going to save money from now on”. Unfortunately, not all who promised such was able to make it come true. There are challenges along the way. And such challenges had proven to be extremely tough. Hence, the issue of how to save money is a real challenge. One of the basic ways to save money is to create a reasonable objective. Make sure you control your expenses. And make sure you get good value for your...

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Top Ten Financial Tips

Keys to Financial Success Although making resolutions to improve your financial situation is a good thing to do at any time of year, many people find it easier at the beginning of a new year. Regardless of when you begin, the basics remain the same. Here are my top ten keys to getting ahead financially. 1. Get Paid What You're Worth and Spend Less Than You Earn It sounds simplistic, but many people struggle with this first basic rule. Make sure you know what your job is worth in the marketplace, by conducting an evaluation of your skills, productivity, job tasks, contribution to the company, and the going rate, both inside and outside...

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Tips to Save Money with Cheap Car Insurance

The Price of Car Insurance There are a wide range of factors that insurance companies consider when they price your policy such as your age, gender, address, and car. Although you can’t do much about where you live, or what age and gender you are, there are a number of other things you can still do to bring down the costs of your car insurance. Your car can save you money on your insurance premium Remember that the maximum amount an insurer will pay out on a claim is up to the agreed/market value of your car. This means that what type of car you have and how you use it can save you money. Cheap cars mean cheaper insurance because the value...

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10 Quick Pickups for Your Personal Finances

You don't have to be an expert to manage your money and prepare for life's unexpected twists and turns. If you're like most people, your New Years Resolutions have already expired. You haven't lost 10 pounds, you're not going to the gym five days a week, and when was the last time you called your mother? Chances are, your financial goals have fallen by the wayside too. I don't want to discourage you from paying down debt, saving a down payment for a house, or any of those big goals that you may have set for yourself at the beginning of the year. But if you sort of tuckered out on the big things (or even if you're still going strong --...

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Managing Your Parents' Money

A few months before my mom's 66th birthday, a doctor diagnosed her with Alzheimer's disease. At that time -- November 2008 -- she was exhibiting symptoms of the early stages of dementia, such as short-term memory loss. In July 2009, another doctor confirmed the Alzheimer's diagnosis and also said she had white-matter disease -- another possible contributor to her dementia. By then, she could still handle daily tasks, such as cooking and bathing, and she was still active socially. Yet she didn't know what day of the week, month or year it was. She couldn't recite a sequence of three words the doctor had said just a minute earlier. The doctor told her that she should stop driving and that someone else should handle her finances. That someone else was me. Handling my mom's finances wouldn't be...

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EBay to buy GSI Commerce for $2.4 billion

SAN FRANCISCO – Online marketplace operator EBay said Monday that it will pay $2.4 billion for GSI Commerce, which operates websites for retailers like Toys R Us and Bath & Body Works. EBay Inc., which runs its namesake site where users buy and sell items through auctions and fixed-price "Buy it Now" formats as well as online payments service PayPal, hopes the acquisition will bolster its ability to connect buyers and sellers around the world. It could also help it become more of a threat to Amazon.com Inc. GSI runs websites, packs and ships products and offers interactive marketing services to a variety of retailers. It has long-term...

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7 Career Advancement Tips to Keep Your Job

We are at a turbulent time. The byword nowadays is retrenchment. So, it is crucial now to take a good hard look at your career and consolidate your position in the company. Here are the 7 career advancement tips: 1. Update yourself Constantly expose yourself to new ideas. Take the opportunity to accept managerial training when it is offered to you. Keep yourself up-to-date is the very basis and foundation of personal and career growth. The other thing that you can do is to read other magazines that you don't normally read. Go out and meet more people, go to unfamiliar places and do things differently. 2. Do more than your scope of work Go...

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Why Investment Banking?

I looked at all the articles on your site but nothing told me WHY I want to do this. Can YOU tell me why I want to be an investment banker?“ It’s a question you’ll get in every interview. But it’s also a question where 90% of interviewees give terrible answers, no matter what their background is. I can’t tell you exactly why you want to do investment banking… but I can tell you what to say in interviews. So, why investment banking? The Conventional “Wisdom” – Saying the Generic Most websites, books, and other resources recommend generic answers: You want to learn a lot. You’re interested in corporate finance. You like a fast-paced environment. You’ve...

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Nine Technologies That Will Change Your Future

For 88 years, subscribers have relied on The Kiplinger Letter for insights into emerging technologies that will change the way Americans live and do business. Examples of "you read it first in Kiplinger" include the rise of commercial air routes in 1927, the early development of television in the 1930s, electronic office machines in 1953 and mobile phones in 1983. What will be the tech breakthroughs of the next decade? Here are nine we're following. Biometrics on the Move Banks are increasingly turning to biometric authentication for mobile and online clients. Fingerprint, voice and face recognition systems will soon become commonplace as banks seek to heighten security for the rising tide of on-the-go transactions. Customers are accepting such security measures more readily these days....

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5 Financial Tips You Should Ignore

Have you heard the one about houses being a sure-fire investment? Or the tip that you should close all your credit card accounts? Bad financial advice can circle the web faster than the latest e-mail scam from Nigeria, and some of it originates from personal finance gurus themselves (although their words are often twisted). Here are five popular financial tips you should ignore: 1. A house is always a good investment. The man who calls himself "Frank Curmudgeon" built a popular website around what he considers to be terrible financial advice. Ask him what the worst is, and he'll tell you it's the idea that "you should borrow up to your eyeballs...

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Biggest spike in radiation at Japan power plant

TOKYO (AP) -- Seawater outside the hobbled nuclear power plant in northeastern Japan was found to contain 3,335 times the usual amount of radioactive iodine -- the highest rate yet and a sign that more contaminated water was making its way into the ocean, officials said Wednesday. The amount of iodine-131 found offshore some 300 yards (meters) south of the coastal Fukushima Dai-ichi power plant does not pose an immediate threat to human health but was a "concern," said Hidehiko Nishiyama, a Nuclear and Industrial Safety Agency official. He said there was no fishing in the area. "We will nail down the cause, and will do our utmost to prevent...

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AP Global Economy Tracker at a glance

The Associated Press Global Economy Tracker follows economic and financial metrics for 22 countries that make up more than 80 percent of the world's economic output. Below is a snapshot of their performance. Fastest growth (October-December quarter, year over year): - Argentina 10.1 percent - China 9.8 percent - India 8.2 percent - Indonesia 6.9 percent - Brazil 5.0 percent (Data not available for Russia and Turkey) Slowest growth (October-December quarter, year over year): - Spain 0.6 percent - Italy 1.3 percent - Britain 1.5 percent - France 1.5 percent - Belgium 1.8 percent Highest inflation (December consumer price index, year over year): - Argentina 10.6 percent - Russia ...

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Save Money on Homeowners Insurance

The market value of my home has declined over the past few years. Can I save money by reducing my homeowners coverage? No. You should never lower the amount your house is insured for just because housing prices have dropped. That’s because cutting the amount of your insurance could leave you with insufficient coverage in the event of a disaster. The market value of your home and its insurance value can vary widely because they are based on different assumptions and calculations. The insurance value is based on what it would cost to rebuild the house -- not on what you paid for it. And although housing prices have dropped, rebuilding costs have...

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