My husband was very lucky, he was one of the last people that was hired at his firm before they stopped offering pensions to employees. I heard from someone in human resources that my husband was the seventh to last person that was going to be offered a pension as they were going more with the 401 K plans instead of pensions. My husband had the chance to do both and that is what he is investing in today. We heard that you could take a ssas loan out if you wanted to be able to borrow against it if you needed cash right away. [Read more →]
November 30, 2013 Comments Off
Apparently, for the last month or so, my wife has been getting payday loans, and has not been paying them back. Now, she has quite an outrageous amount of debt accumulated, and she has just now told me about it. Things are already out of control, and I am very much upset with her, but I don’t think that yelling at her will help to fix the situation. I guess that I need to try to figure out a solution, and I am going to look for the best debt settlement companies that I can find, to try to get out of this whole mess.
I can’t believe that my wife would do this behind my back. If she needed extra money, then she should have came to me, because I could have helped her out, and it would have cost me less in the long run. [Read more →]
November 24, 2013 Comments Off
Of course I was always a big coffee drinker, I started out when I was still in high school. At that time I used to stay out way too late at night and then in the morning I would get up and have to go to High School. I had a great girlfriend for a teenaged boy, she never said no to a night out and pretty much wanted to be with me all the time, although that burnt out quickly. At any rate I needed coffee a lot. Now I went and found a bed bath and beyond coupon and got myself one of those really nice coffee makers, although I suppose you can spend a whole lot more mone than the one I got cost. [Read more →]
November 15, 2013 Comments Off
I work for a magazine publisher and I work and live in New York City. I was hoping that I would be able to actually pay for my first apartment with cash but I was about three thousand dollars short. I decided that I was going to actually go to the corporate web site and apply for a cash advance online that my company would be able to give me. What they do is ask you how much you need, and what you are using it for. You have to provide proof to them for what you need it for. I sent them my mortgage slip and my bank account to show them that I was just a few thousand dollars short. [Read more →]
November 6, 2013 Comments Off
I am hoping to secure a loan in order to open up my first business. It is something that I have wanted to do for a long time, but I have never really been in the right place in my life, to do so previously. However, right now, I think that I have a good opportunity to open a business, so long as I am able to secure the funding that will allow me to do so. That is why I am going to start to look into getting a business loan, and I am hoping it will not be very difficult to do.
I am not sure what sort of documentation I will need in order to get such a loan. One thing that I know I need to have, is a business plan that demonstrates how I plan to make money and the business model, and all of that sort of information. [Read more →]
October 31, 2013 Comments Off
As a college student, I don’t have much extra money to spend. Most of my paycheck goes towards tuition, books, rent, food, and other basic necessities. I know that it’s important to save for my future, but at this time in my life, I just don’t have the extra money to make that a reality. My brother actually invests quite a bit, and he tells me about hot stocks and commodities all the time. Without the cash on hand, there isn’t much I can do. I thought about applying for a cash advance payday loan, but I don’t make enough money. As a bartender, my paychecks fluctuate a great deal, and my hourly wages aren’t very impressive.
I decided to start putting away a little bit of my tip money every week, and making it my mission to save up money to invest. It was hard to scrape together the money, but somehow I made it happen. I took extra shifts and volunteered to fill in for people when they had plans on the weekend. I’ve never been so motivated to do anything in my life.
When it came time to invest, I knew that I was going focus heavily on oil. I didn’t have a clue what I was doing, but that’s what my big brother was there for. Rather than simply doing all the work for me, he made me learn about my investment options. He had me do research along with him, so that I would understand where my money was going. He helped me understand the volatility of the market, and he taught me that I could walk away with a profit, but I could also walk away empty handed.
It’s been about a month now, and I’d say it’s too early to make any major judgments. Things fluctuate on a daily basis, so I try not to get too excited either way. I’m in this for the long haul.
June 25, 2013 Comments Off
I like shopping, but I do it smartly. I do not buy things we will not use for ourselves or give as gifts. I also look for savings opportunities for anything I buy. That is why I always look for promo codes or coupons, especially for my favorite store. Before I go out to shop, I always look online for a bed bath and beyond coupon to use on whatever it is I am buying.
I look for percent off my total purchase coupons when I am buying a few things. If I am buying one item, I typically will either look for a coupon for the actual product or a percentage off a single item. You can often find a big savings for those percentage off one item coupons. I also look for coupons that do not have any restrictions. This way if I find something already reduced in the store, I can still use my coupon on it to save even more. I can often get the things I want paying only a fraction of the full retail price by simply spending a few minutes acquiring a good coupon or two.
I make it a point to never go out shopping unless I am armed with savings coupons. I do not think I have made a purchase for a very long time without using a coupon. I save a lot of money by using them. It frees up the money to be used in other ways. It also increases my buying power when I do go shopping. I can get a lot more for a lot less. Who wouldn’t want to do that? Some folks don’t bother to look for or use coupons. I’d reason that if they actually realized the amount of money they are losing by not using them, they would quickly change their minds.
May 9, 2013 Comments Off
When I got my recent car I knew I would need to get auto insurance for it. I didn’t want any auto insurance though, I wanted cheap auto insurance. My car was really old and it didn’t exactly look the best. I really only wanted the bare minimum to get by. Car insurance is really designed to protect those with a lot of money with really nice cars. The car gets the slightest dent and they are filing out a claim and on the way to the auto body shop. With me this is not the case. I just want the bare minimum so that if I get into an accident it will mainly cover the other guy if there car is ruined or they get injured.
I stated by shopping for my cheap auto insurance on a popular car insurance website, but it wasn’t helpful at all. I couldn’t figure out what I was doing, what numbers to fill in the blanks, or even if it was a competitive amount of insurance I was being sold. I wanted to find insurance that was really cheap and affordable without all the bells and whistles of the top of the line plans.
What I really wanted was an insurance plan that didn’t have collision coverage. That way if my car was damaged by my own fault, I would be responsible for it. Since I am a very careful driver I was sure this would not happen to me. Because really that is what is important most, being covered if the other guy makes a bad decision and hits you. I figure that if I caused the accident than I should pay for it, and after paying for years of expensive insurance I am sure I’d break even in the end by just going with cheap auto insurance.
September 27, 2013 Comments Off
As I get closer to retirement looking at how my retirement plan is performing in a volatile stock market, I find myself keeping an eye on gold. Have you seen the price of gold today? Have you compared its rate increases with how the stocks or mutual funds are performing in your retirement plan? Have you compared its price growth since the day you began your first job with how those savings bonds, savings accounts or other interest earners are doing? Where would your retirement plan be if everything performed like gold? Would you already be retired?
I know it is not wise to put all of your financial eggs in one basket.
August 17, 2013 Comments Off
My husband has been away on an extended business trip for nearly three weeks now. He is due to come home at the end of this week, and I want to plan the perfect date night for us. I already knew that we were going to go see the latest thriller film at the theater, but I was not sure where to go for dinner since he loves Italian food as well as steaks. I looked online and found some outback steakhouse coupons, and that made the decision so much easier for me.
I was actually looking for steakhouse coupons, because I figured he had probably eaten a lot of pizza on his trip. I wanted him to have a really nice meal, and the Outback is one of our favorite places to go. We love most everything on the menu, but it is more than just the delicious food. The ambiance at any Outback Steakhouse is something that we both enjoy.
August 7, 2013 Comments Off
I need to get this business idea that I have up and running in the near future, because I have put a lot of hard work into designing a feasible business model, and I do not want to see all of that work go to waste. Maybe I will be able to find a way to get some investment money soon, because the sooner I get this project moving, the better. Right now, I am going to try to figure out how I can get into contact with business angels to help fund the business.
I really hope that you do not need to have extensive contacts in order to get in with a business angel investor, because that would definitely be a pain in the butt if that were the case.
July 12, 2013 Comments Off
I was spending most of the day yesterday getting my new boutique open. I was with the designer that helped me design my store and we were going around and doing last minute touches to the design of the store. I was so happy to see all the clothing and accessories draped everywhere. My store had business angels helping me with the financing and it would not have been possible to open up my store without having them help me in the first place. I do not an can not imagine how I could have afforded to have this store ready to open in such a short amount of time if I did not have the angels behind me and ready to help put up money because they believed in me. I was looking at a second chance at life after going through some very hard things and they believed in me. I had to come up with some sort of business plan to show that I knew what I was speaking about, and after that meeting where I presented the plan to them it was all easy after that.
My family and friends have been spreading the word about my new store and we are hoping that we have a nice turn out for the opening tomorrow. I can’t wait to see how many people will show up to look at all the great clothes that I have. With the friends that I have, I am sure that I will have a great opening. All the clothes and accessories in my store are under twenty dollars, I wanted to make sure that people could find great and beautiful clothes at a low price and I found designers that were willing to let me have their clothes in my store with no problem.
June 28, 2013 Comments Off
We are all looking for ways to put money away, either for some future goal such as owning a home or just to have emergency cash on hand in case something unexpected happens we won’t be caught with our hands down. One of the major expenses most of us have is our cars and their insurance. From repairs, gas, and regular maintenance they can eat up our bank accounts almost as fast as children can. So what can we do to lower these costs? One way is to make sure we are getting cheap auto insurance while still getting all the coverage we need.
So what do we need to do to make sure we get cheap auto insurance for our cars?
1. Shop around! This is fairly easy in the internet age.
June 19, 2013 Comments Off
Like anything else, annuities have their advantages and disadvantages. When considering annuities pros and cons, it is important to look at both sides of the issue to determine whether or not they are right for you. For instance, on the pro side is the fact that there is a guaranteed payout that is very high. Also, annuities have no annual fees. Finally, when investing in an annuity, part of your income is not taxable. That gives you an advantage over other products.
Of course, annuities aren’t all good. There are some negatives associated with them as well, but it is up to you to determine whether these negatives outweigh the positives or not. For example, annuities really don’t have any liquidity. If you want your money, you have to get lifetime payments. In addition, you can’t expect growth with an annuity. Therefore, you want to do it in addition to something else, rather than in lieu of another product. Finally, when selecting an annuity, you are signing yourself up to whatever interest rate is currently available.
May 26, 2013 Comments Off
There are many places on the web to find coupon codes, they have thousands of companies trading coupon codes with eachother hoping that it helps bring business to both companies. They bundle this coupon codes with their products and even have the business generated from the other companies giving away codes for their site. It is a very good business strategy and it’s no suprise that there are also parallels coupon. I mean any business in their right mind would put these out there to help create revenue. These coupon codes don’t last long so it’s best to try and find them whenever possible so as not to miss out on an oppurtunity to save money. Because that’s what it is, it is an oppurtunity to save money on things you already purchase. And to potentially show you things that you may be interested in some day purchasing. They are not a scam they truly do work.
And these parrallel ones are great. They have codes for 15 day free trials as well as codes for thirty dollars off a purchase. And that’s not all, some of their past codes are even better. It would be in your best interest to go out and find these codes and use them whenever possible if you regularly shop there or even just want to give them a go. They are a great brand and quite trustworthy. They put these codes out there for you to use and save money so go ahead and do just that. Nobody can judge you, because nobody will know. You enter these codes on their website and get the discount from the comfort of your home. What’s not to love about that. You save money without going anywhere. You just can’t beat it. So go out and find the code today and save yourself some money.
May 11, 2013 Comments Off