Most beginners are eager to jump into the stock market and start trading. While, it may seem exciting and the desire to make money fast is very appealing, however, there is some basic information that’s required. First, beginner stock traders must understand the ebb and flow of the market, which helps to eliminate risky investing. Before tackling key issues of studying a company’s financials, beginners must take time to learn how to keep track of major market indices. These include the NASDAQ 100, the S & P 500, the Dow Jones Industrials and the NASDAQ composite. What many want is...
Whether we like it or not, cars have become part of our everyday lives – and they generate quite a large share of our regular expenses. The one thing cars don’t run without is fuel, of course – and this is one of the things where we can save considerable amounts in the long run. These three tips can help you improve your car’s fuel economy so it consumes less fuel in the long term. 1. Keep your car in a good shape Keep your engine well serviced, your tires hard and your air filters, exhausts and oil clean, and...
If there’s one day that seems to come too fast each year, it would have to be April 15. Yet since tax day is one that none of us can afford to avoid, it’s important that we take all of the necessary steps that we can in order to be as prepared as possible. One of the best ways to do that is to hire a professional to prepare our taxes for us. If you’ve never used a tax preparer before and you’d like a few helpful tips that can connect you to a reputable one, we’ve got five essential...
Many people don’t know how to navigate around the tricky arrangement of cost negotiation, especially when it comes to expensive surgeries. Well, if you need a surgery that can save your life, it is time to start practicing your haggling skills now. Indeed, it may seem strange to haggle on such a delicate matter, but if you don’t have health insurance, it may be a difference between life and death. Luckily, the medical industry isn’t a fixed cost industry – some doctors and hospitals bill patients differently, which leaves you plenty of room to negotiate. Here are five surgical cost...
As the flowers begin to bloom and the temperature starts to rise, all of this is a sign that summertime is on its way. And while we all look forward to things like swimming, eating ice cream and wearing shorts an flip-flops all day long, if there’s one thing that many of us don’t really want to deal with, it’s getting our energy bills in the mail. Luckily, there are a few things that can be done that will not only keep the rooms in our homes cooler, but can also save us money on energy costs as well. If...
No matter where you live or what real estate agent you speak with, if you’re interested in purchasing a waterfront property, there are two things that they are going to tell you. One, is that they tend to be hard come by and this brings us to the second point: If you do happen to find one and you really like it, you need to be prepared to spend significantly more than what you would for other properties. This doesn’t mean that you have to totally break the bank in order to have a great waterfront property, though. And to...
Everyone needs car insurance, however everyone also wants to save money and get the best rates possible. In addition to lowering your monthly payments or premiums, maybe individual also look for ways to lower their auto insurance deductibles. Here are 5 ways to effectively and successfully lower this deductible and save money on your car or auto insurance. Shop around for different rates. It is always best to compare rates between difference car auto insurance company to get a feel for what each company has to offer. Also, be sure to mention that you re shopping around since often times...
As a new homeowner, you are learning many new things and taking on new responsibilities. You are now responsible for your mortgage as well as other large expenses such as utilities. Often new homeowners don’t realize how expensive their energy bills can become each month if they are not careful. Here are some helpful energy savings tips and pieces of advice for new homeowners. Use energy efficient light bulbs throughout the house. These light bulbs are a little more expensive than regular bulbs, however they are worth the money and the initial investment. Energy efficient bulbs last significantly longer, so...
Moving into your first apartment can be a really exciting time – you get to finally have your own space. This means that you can decorate it the way you want, you can play your own music and you can be the master of your own domain. If you are moving out of your parents’ home, moving into your first apartment can be a revelation. However, renting an apartment can be expensive and there may be a lot of costs that you haven’t taken into consideration. For someone that is not used to making rent their number one responsibility, it can be...
You are moving into a new place and the opportunity is exciting as well as nerve wracking! While you are thrilled to be going somewhere new to start a new chapter of your life, you are also worried about all of the work and expenses that go into a big move. Luckily, if you keep some helpful and essential tips in mind, you can reduce the cost and the amount of time invested in your move. Here are 5 easy and effective ways to save time and money when you move. First of all, you should never spend money on...
Get ready to throw out all your old junk because it is time to sell your home to the next highest bidder. If your home has been sitting on the market for longer than you’d like, there is a good chance that you are making any one of the many cardinal mistakes that new home sellers make. For instance, you may be listing your home for a price that isn’t reasonable for the current housing economy. You may also have a real estate agent that isn’t doing his or her job. Who knows, you may have hit the grand slam...
As if starting up a new business isn’t stressful enough, you also have to figure out how to file your corporate taxes. And you’ll quickly discover that unearthing every possible deduction is an essential part of ensuring that you don’t pay the IRS a cent more than you need to. If you want your business to succeed you can’t throw money away. So here are just a few effective tax deduction strategies that should help you to come out on top. Save every receipt! This is where many new business owners fall short. But you absolutely have to keep receipts...
If you were to ask anyone who works at your local post office when the busiest time of the year is for them, hands down, they are going to tell you that it’s the holiday season. That’s because it’s the time when people are standing in line in order to ship presents to their loved ones all over the country and sometimes even the world. If you plan on being one of those people, then you’ve come to the right article. That’s because we actually want to provide you with a few failsafe tips on how you can save money...
When considering where to keep your money and bring your business, there are lots of options available such as local and national banks as well as credit unions. Often, credit unions are a great option since they provide incentives to customers in the form of rewards, money, discounts and scholarships. If these benefits interest you, a credit union membership may be right for you and your financial needs. Here are the 5 major credit union member benefits. Credit union membership can often provide you with college scholarship opportunities that are exclusive to credit union members. College is a huge expensive and investment,...
Owning a home can come with its list of challenges. Many of these challenges have to do with upkeep, maintenance and general chores. However, some of the challenges have to do with fiscal responsibilities. Not only does home maintenance cost money, you also have to worry about insurance, fees, utility expenses and much more. As a homeowner, preparing for these costs is important if you want to devise your budget accordingly. And for people thinking about purchasing a home, it is critical to know what some of the miscellaneous and necessary expenses are so that you can be sure that...
As a homeowner, it is essential that you have him insurance to protect you, your family and your assets. While it is a necessary expense, you don’t need to pay excessive bills every month. With some research and action, you can reduce you bill to help make it more affordable for your budget and your lifestyle. Here are 5 easy and effective ways to reduce your homeowners insurance bill each month. First, never settle for continuously paying your current rate. If the cost is out of control and unfeasible for you, you can do something about it! Even if you...
If you’re someone who happens to live in apartment, while it does tend to come with certain benefits (like having a landlord who is responsible for your repairs), the reality is that you’re paying money, each month, to simply rent out the space. So, if you happen to be someone who is looking to put money in a savings account towards a new house or if you simply want to keep as much money in your wallet as you can, it’s important that you know about some easy and effective ways to save money on apartment living. We have provided...
There are commonly two steps in the car buying process. There is the part where the dealer uses his or her powers of persuasion to make you fall in love with the vehicle and then once you are ready to buy, you will be moved to the finance department. This is the part of the vehicle buying process where you become a little surprised by all the additional car fees. Some of these fees are appropriate and have to do with taxes, but some have to do with profit margins. Basically, some of these fees are implemented for the sake of...
When you run a small business, your time, money and resources are precious. It is no wonder, therefore, that many small business owners choose to reduce hassle by outsourcing their payroll. Payroll can be time consuming and detail oriented, so often it is much more effective to hire the pros to handle your payroll so that you can focus on running your business and doing what you do best! Here are the top 5 tips for small business employers that want to outsource their payroll. The best way to find a payroll service provider is by word of mouth or...
It’s not always easy to tell the difference between good lawyers and bad ones, but if you get plenty of references, your attorney has a strong history of wins in cases like yours, he is quick to reply to your calls and he patiently answers your questions, he offers you options to do things on your own as a way to cut costs, and most importantly, you feel comfortable and cared for as a client, then chances are you’ve found a lawyer you can trust and rely on. And there are a variety of ways that this type of professional...
Nobody relishes the idea of preparing their annual income tax filing, but it’s something we all must do in order to avoid fines and jail time. We may end up giving a fair chunk of our earnings to the government each year, but we get to live in a country where we are granted unparalleled freedoms. And when you look at how much Canadians pay, 20-25% doesn’t seem so bad. In any case, you can at least lessen the burden of time you devote to your taxes come April by doing some prep work ahead of time. Here are just...
Long-haul trucking is a tough industry, no doubt about it. Not only are the hours long and the deadlines tight, but you also have to deal with paperwork, weigh stations, protecting your cargo and getting it to its destination in one piece, and the dangers of inclement weather, bad roads, and other drivers, just for example. Then there are the psychological and physical hardships that come from sitting by yourself in a truck all day, eating at roadside diners, and leaving your family behind for days, weeks, or months at a time. On the upside, trucking companies often provide decent...
When choosing a car insurance policy, you will want to get the best rate and price possible to help making driving your car on a regular basis safe and much ore affordable. One of the best ways to save a significant amount of money each month on your car insurance is to apply and qualify for safe driver insurance discounts offered by many car insurance companies. Here are some tips about how you can qualify for a safe driver insurance discount. First, be sure to keep your driving record clean. Often if you are found to be at fault for...
Starting a franchise can be a great way to open a business with a solid infrastructure and brand recognition already built in. In terms of marketing, the cost savings are enormous when it comes to opening a franchise. However, you still need some health startup capital to start your franchise, especially for fees, licenses, construction costs and other miscellaneous expenses. Yet, if you are careful, there are numerous ways to save money on your franchise’s startup costs. Many franchisees make the mistake of jumping the gun and spending too much money on some of these initial expenses, but these financial...
Do you have a dream of restoring that old classic in your garage? How about an old junker sitting on a street corner that could be brought back to life? Rebuilding a classic car is one of the best ways to own a beautiful, vintage automobile without the big sticker price that you would find at auto auctions and antique dealers. Indeed, there is a lot of work that goes into rebuilding a classic car, but it can totally be worth it. Moreover, one of the biggest things holding people back from a total car restoration is the investment. But the truth...
