Article Presented by:
Kyna Morrison
Actually the only thing you need to do to prepare yourself for a professional organizer visit is, contact them.
Here are two major misconceptions regarding the first visit:
#1 You do not need to clean up your disorganized area.
#2 There is no need to 'buy' anything for the first visit.
Many people think the organizer has never seen anything like their problem area. Whoa! They are so very wrong. We have seen it all.
One of our very first priorities is making you feel at ease. From the very beginning you will be reassured. We will work together or not. This all depends on what exactly it is you need done.
If, for instance, you have piles of paper which are overwhelming you, we will need to decide together what needs to be purged or saved. While doing this everything will be put in specific piles for filing later. It's good to have a shredder for personal information or offers from credit card companies, etc. These items do not need to get in to the wrong hands! Identity theft is a major issue in today's world. I believe in setting up a client specific structure. Everyone has different needs. In order to fulfill your needs we will work towards what works for you and you alone. Many clients end up with an extremely simple filing system. After all, if you've gone from 'nothing' to 'something' you don't need to be overwhelmed once again.
Other people need much more detailed systems, again, it's client specific.
Large corporations, for instance, are inevitably more complex than a working family.
We're not limited to filing systems by any means. For the family it could mean a closet, kitchen or garage. For which there is no need for filing.
For the corporation it could mean analyzing their systems for a more efficient work flow. Reevaluating specific job responsibilities as well as downsizing, if necessary. Not to mention seminars for the employees on organizing or time management. Or, possibly a particular employee is struggling with time management or disorganization. This situation often is impeding the company's profits.
As far as purchasing containers or some sort of filing cabinet, etc. There is no way to know what you will need, until your needs are evaluated. In some cases this may take numerous visits to narrow down.
Another issue often confronting an organizer is what exactly is it you the client want. Do you want to get ready for a move? Or, do you want to learn new techniques to help with you be organized. There's a big difference and you will need to make this decision before the organizer arrives.
About the Author:
Kyna Morrison
Apt Organizing
http://www.aptorganizing.com
"We're Apt to get you Organized"!
email: kyna@aptorganizing.com
Wednesday, August 30, 2006
Tuesday, August 29, 2006
Wooden Window Boxes & Planters...love the look but they rot!
Article Presented by:
Catherine Wilson
Until recently if a purist wanted a real, wooden window box or planter he or she had to resign themselves to the fact that it would rot every few years. When it did the process would start over with more boxes being built, hung and re-planted. Additionally, they might even have to resort to finding a carpenter to make the boxes because they typically are not sold in lawn and garden centers except for an occasional cedar box here and there. Money and time down the drain...all for a bit of aesthetic charm.
Why not choose a wrought iron window box instead of wood? You don't have to worry about wrought iron rotting but you do eventually have to deal with rust. You also have to replace the coconut liners which are an additional expense as well as require time to install and replant. Wrought iron or metal hay racks are typically very shallow making it difficult to establish a good root system. Often, daily watering is needed in the hot summer months. Furthermore, if your home is made of wood you could potentially rot the side of your house by using wrought iron?
Why not choose a copper window box instead of wood? You don't have to worry about them rotting but you do have to be concerned with the metal heat conduction causing your plantings to suffer. Additionally, copper is not for all tastes.
Why not choose plastic? Although you don't have to worry about rotting the most obvious reason is that plastic is cheap looking!
What would you do if you could have the look of a painted wooden window box without the maintenance? What if you could capture that purist look of wood without sacrificing the quality and without the rot?
There are window boxes today that are made of a poly vinyl resin composite (pvr) or cellular pvc that do not rot. These boxes are milled from sheets and boards of the pvr or pvc that are comparable to wooden 2 X 4's and plywood. They don't have the look of a plastic injection molded box. You can leave them white, the way they come or you may paint them to match the trim of your home. Often these synthetic products are stronger than wood as they are not a breathing entity like wood. These no rot materials have been available in the building industry for close to a decade now and have been used in various applications such as columns, shutters, doors, windows and trim.
However, there are very few window box and planter companies using this type of no rot product. It is obvious that as plants are watered, the boxes and planters are going to get wet, and therefore, rot! So, a "no rot" composite is perfect for a window box or planter application.
So, if you are looking for a wooden window box but have held off because it just did not make good financial sense think again. Consider a window box or planter made from a no rot composite.
About the Author:
Article is written by Catherine Wilson, Interior Designer and owner of Mind Your Manors, Inc. makers of No Rot window boxes and planters. Visit http://www.windowboxesetc.com to learn more about Mind Your Manors, Inc. window boxes and planters.
Catherine Wilson
Until recently if a purist wanted a real, wooden window box or planter he or she had to resign themselves to the fact that it would rot every few years. When it did the process would start over with more boxes being built, hung and re-planted. Additionally, they might even have to resort to finding a carpenter to make the boxes because they typically are not sold in lawn and garden centers except for an occasional cedar box here and there. Money and time down the drain...all for a bit of aesthetic charm.
Why not choose a wrought iron window box instead of wood? You don't have to worry about wrought iron rotting but you do eventually have to deal with rust. You also have to replace the coconut liners which are an additional expense as well as require time to install and replant. Wrought iron or metal hay racks are typically very shallow making it difficult to establish a good root system. Often, daily watering is needed in the hot summer months. Furthermore, if your home is made of wood you could potentially rot the side of your house by using wrought iron?
Why not choose a copper window box instead of wood? You don't have to worry about them rotting but you do have to be concerned with the metal heat conduction causing your plantings to suffer. Additionally, copper is not for all tastes.
Why not choose plastic? Although you don't have to worry about rotting the most obvious reason is that plastic is cheap looking!
What would you do if you could have the look of a painted wooden window box without the maintenance? What if you could capture that purist look of wood without sacrificing the quality and without the rot?
There are window boxes today that are made of a poly vinyl resin composite (pvr) or cellular pvc that do not rot. These boxes are milled from sheets and boards of the pvr or pvc that are comparable to wooden 2 X 4's and plywood. They don't have the look of a plastic injection molded box. You can leave them white, the way they come or you may paint them to match the trim of your home. Often these synthetic products are stronger than wood as they are not a breathing entity like wood. These no rot materials have been available in the building industry for close to a decade now and have been used in various applications such as columns, shutters, doors, windows and trim.
However, there are very few window box and planter companies using this type of no rot product. It is obvious that as plants are watered, the boxes and planters are going to get wet, and therefore, rot! So, a "no rot" composite is perfect for a window box or planter application.
So, if you are looking for a wooden window box but have held off because it just did not make good financial sense think again. Consider a window box or planter made from a no rot composite.
About the Author:
Article is written by Catherine Wilson, Interior Designer and owner of Mind Your Manors, Inc. makers of No Rot window boxes and planters. Visit http://www.windowboxesetc.com to learn more about Mind Your Manors, Inc. window boxes and planters.
Advantages and Disadvantages of Various Types Of Truck Bed Liners
Article Presented by:
Thomas “Maverick” Tucker
A vehicle is typically the second largest purchase that a person will make in his or her life, second only to a home. Because of the high cost of automobiles, it makes sense that you would want to do the best job that you can to protect your investment. There are many ways that you can protect your vehicle and if you have a pick up truck, you will most likely want to protect the bed of your truck with a bed liner.
If you have ever seen a truck that did not have a bed liner, then you know just how ugly a scratched and rusted truck bed can be. Not only is a truck without a bedliner unsightly after a few years, but it also lowers the resale value of the truck. If you use your truck for hauling items and you do not use truck bed liners, the bed of the truck will get scratched no matter how careful you try to be.
Do Your Friends Call YOU When They Need To Haul Something?
If you own a truck now, or have in the past, then you know that owning a truck is a magnet for your friends who need help hauling things or moving. That's right, just because you own a truck, all your friends that don't own one will be calling you up and asking to borrow your truck or asking you to help them "go pick something up." These are the times that your truck bed is most likely to get scratched up.
Unless you want to repaint your truck bed on a regular basis and shell out hundreds to thousands of dollars to get it painted, then it is best to utilize bed liners to protect your truck's bed. There are a few different types of bed liners that you can choose from.
Truck Bed Liners: Rubber Mats
You can choose what is basically a rubber mat to protect the bed of your truck. These are inexpensive and make for an easy installation. All you do is order the appropriate size liner and put it in your truck's bed. There are problems with these types of bedliners though. One is that they are apt to move around the bed since they usually do not fit exactly right. Another problem with these is that water can accumulate under the bed liner and that will lead to rust on your truck bed. Yep, they prevent scratches, but these bedliners offer very little protection in the battle against rust.
Truck Bed Liners: Hard Plastic
Another truck bed liner option is the hard plastic bed liners that not only cover the bed of the truck, but the sides of the truck bed, the tailgate, and the back of the cab. These require that you drill holes or use screws to install it. They are a better choice than the rubber mat type of bed liners, because they offer more protection and they are more durable. But, you still need to be concerned about water seeping in under the bed liner. This type of bed liner is also prone to getting cuts and to deteriorating if chemicals are spilled on them.
Truck Bed Liners: Spray-In Bed Liner
For many people the best choice for a truck bed liner is a spray-in bed liner. A spray-in bed liner offers all of the protection that a thick plastic bedliner offers, but without all the hassles. You will not have to drill holes or use screws in order to have this installed. Since it is a spray bed liner, there is no chance that water will be able to get underneath of it and cause rust. This is because it is actually adhered to the trucks bed, sides, tailgate, and the back of the cab much the same way that paint is. Spray in bed liners also resist tears from sharp objects better and are not as likely to be damaged by chemicals.
Spray-in bed liners are made to last for the life of your vehicle. You will not need to replace a spray bed liner in a few years, as you might have to do with a rubber mat or thick plastic truck bed liner. A spray-in bed liner helps you maintain the full resale value of your truck and can even increase the resale value since many buyers see it as favored truck accessories. In fact, bed liners are so common these days that it is seen as a necessary truck accessory for many pickup truck buyers.
The only thing that some people may not like about a spray-in bed liner is that it generally is not a do-it-yourself job. It is typically easier and more economical to pay someone to install your spray-in bed liner, unless you already have all of the needed equipment. Paying someone to install a spray-in truck bed liner is a small price to pay in order to protect your second largest investment and to keep it looking like new for years to come.
About the Author:
Thomas "Maverick" Tucker writes about automobiles and trucks for http://www.PenCircles.com . He also reviews truck accessories and other automotive products. Maverick has used several spray-in bed liners, but the Speed Liner bed liner with his most recent Chevy pickup truck has proven to be one of his better truck accessory decisions. You can visit the Speed Liner website at http://www.speedliner.com to find a dealer near you. Feel free to use this article on your website, so long as all links remain clickable.
Thomas “Maverick” Tucker
A vehicle is typically the second largest purchase that a person will make in his or her life, second only to a home. Because of the high cost of automobiles, it makes sense that you would want to do the best job that you can to protect your investment. There are many ways that you can protect your vehicle and if you have a pick up truck, you will most likely want to protect the bed of your truck with a bed liner.
If you have ever seen a truck that did not have a bed liner, then you know just how ugly a scratched and rusted truck bed can be. Not only is a truck without a bedliner unsightly after a few years, but it also lowers the resale value of the truck. If you use your truck for hauling items and you do not use truck bed liners, the bed of the truck will get scratched no matter how careful you try to be.
Do Your Friends Call YOU When They Need To Haul Something?
If you own a truck now, or have in the past, then you know that owning a truck is a magnet for your friends who need help hauling things or moving. That's right, just because you own a truck, all your friends that don't own one will be calling you up and asking to borrow your truck or asking you to help them "go pick something up." These are the times that your truck bed is most likely to get scratched up.
Unless you want to repaint your truck bed on a regular basis and shell out hundreds to thousands of dollars to get it painted, then it is best to utilize bed liners to protect your truck's bed. There are a few different types of bed liners that you can choose from.
Truck Bed Liners: Rubber Mats
You can choose what is basically a rubber mat to protect the bed of your truck. These are inexpensive and make for an easy installation. All you do is order the appropriate size liner and put it in your truck's bed. There are problems with these types of bedliners though. One is that they are apt to move around the bed since they usually do not fit exactly right. Another problem with these is that water can accumulate under the bed liner and that will lead to rust on your truck bed. Yep, they prevent scratches, but these bedliners offer very little protection in the battle against rust.
Truck Bed Liners: Hard Plastic
Another truck bed liner option is the hard plastic bed liners that not only cover the bed of the truck, but the sides of the truck bed, the tailgate, and the back of the cab. These require that you drill holes or use screws to install it. They are a better choice than the rubber mat type of bed liners, because they offer more protection and they are more durable. But, you still need to be concerned about water seeping in under the bed liner. This type of bed liner is also prone to getting cuts and to deteriorating if chemicals are spilled on them.
Truck Bed Liners: Spray-In Bed Liner
For many people the best choice for a truck bed liner is a spray-in bed liner. A spray-in bed liner offers all of the protection that a thick plastic bedliner offers, but without all the hassles. You will not have to drill holes or use screws in order to have this installed. Since it is a spray bed liner, there is no chance that water will be able to get underneath of it and cause rust. This is because it is actually adhered to the trucks bed, sides, tailgate, and the back of the cab much the same way that paint is. Spray in bed liners also resist tears from sharp objects better and are not as likely to be damaged by chemicals.
Spray-in bed liners are made to last for the life of your vehicle. You will not need to replace a spray bed liner in a few years, as you might have to do with a rubber mat or thick plastic truck bed liner. A spray-in bed liner helps you maintain the full resale value of your truck and can even increase the resale value since many buyers see it as favored truck accessories. In fact, bed liners are so common these days that it is seen as a necessary truck accessory for many pickup truck buyers.
The only thing that some people may not like about a spray-in bed liner is that it generally is not a do-it-yourself job. It is typically easier and more economical to pay someone to install your spray-in bed liner, unless you already have all of the needed equipment. Paying someone to install a spray-in truck bed liner is a small price to pay in order to protect your second largest investment and to keep it looking like new for years to come.
About the Author:
Thomas "Maverick" Tucker writes about automobiles and trucks for http://www.PenCircles.com . He also reviews truck accessories and other automotive products. Maverick has used several spray-in bed liners, but the Speed Liner bed liner with his most recent Chevy pickup truck has proven to be one of his better truck accessory decisions. You can visit the Speed Liner website at http://www.speedliner.com to find a dealer near you. Feel free to use this article on your website, so long as all links remain clickable.
Monday, August 28, 2006
Priming and Bottling Your Home Brewed Beer
Article Presented by:
Mark Thurnau
Bottling their first batch of homebrew is a big step in the lives of novice homebrewing enthusiasts. While the beer still will not be ready to drink for several weeks after bottling, there is definitely a strong sense of satisfaction that can be gained from finally moving the brew from the fermentation container into the bottles. While this step is often a great deal of fun, it is important to keep some basics in mind when priming and bottling to create the most successful final product possible.
The first step in bottling your homebrew is, obviously, to obtain the bottles. Many homebrew supply shops will sell bottles that you can use in homebrewing, and you can also obtain them from bars and restaurants. Bottle caps can be picked up from homebrewing supply shops.
Perhaps the most difficult part of bottling for the homebrewing novice is discerning when to bottle. The bubbling that serves as a visible indicator of fermentation typically stops after only a few days, but fermentation is not complete at that point. It is important to wait some time after the visible signs of fermentation have disappeared to ensure that the process has run its course. A couple of bad things can occur if the beer is bottled before fermentation has completed. The quality of the beer will certainly suffer, since many of the unpleasant tasting precursor compounds will not have been metabolized by the yeast and will remain in the final product. Another, much more spectacular, problem that can occur is that the fermentation process may continue in the bottle which causes excess amounts of carbon dioxide to build up until the bottle finally explodes. Many homebrewing veterans have at least one "exploding bottle" story from their early days of homebrewing. The amount of time required for fermentation to complete varies according to recipe, strain of yeast used, temperature, as well as other factors. It is therefore important to carefully follow fermenting instructions if you are using a recipe, or ask other homebrew hobbyists for advice.
Once you are certain that fermentation has completed, it is time to begin the bottling process. Since the beer will be left in the bottle to age and prime, it is important that all bottles and caps be thoroughly sanitized prior to use. Be sure to thoroughly rinse with boiled water if you use a bleach based sanitizing agent.
Once the bottles and caps are ready, it is time to prime and bottle the beer. Priming is an important step since it adds a small amount of sugar which allows a limited amount of fermentation to occur in the bottle, thereby carbonizing the beer. The best way to prime the beer is to boil sugar and water together in a sanitized container and transfer them to the sanitized bottling bucket. After the primer sugar is in place, you can then siphon the beer from the fermenting container into the bottling bucket. If you do not have a bottling bucket, you can also add the primer directly to the fermenter prior to bottling.
Once the beer has been primed, it is time for that big final step--bottling. It is important to fill the bottles slowly to avoid any aeration, which can destroy the flavor of the final product by adding too much oxygen to the beer. After the bottle has been filled, it is time to add the sanitized cap and then repeat until all bottles have been filled.
Of course, the real hard part comes next, which is waiting for the beer to age and prime. This can take up to a month or more, depending on the type of yeast used. However, if you simply must have a taste before then, the beer should be serviceable within one week, but you should wait at least a month before consuming more than a few bottles.
Bottling and priming is the final step of the homebrewing process and great care should be taken to ensure that you don't destroy your hard work by allowing unwelcome microorganisms to contaminate the brew. Be sure to sanitize every piece of tubing, every bottle, and every bucket that comes into contact with the beer. If all goes well, you will be enjoying your creation in a few weeks.
About the Author:
Mark Thurnau is the owner of The NFL Directory at: http://www.nfldir.com
Mark Thurnau
Bottling their first batch of homebrew is a big step in the lives of novice homebrewing enthusiasts. While the beer still will not be ready to drink for several weeks after bottling, there is definitely a strong sense of satisfaction that can be gained from finally moving the brew from the fermentation container into the bottles. While this step is often a great deal of fun, it is important to keep some basics in mind when priming and bottling to create the most successful final product possible.
The first step in bottling your homebrew is, obviously, to obtain the bottles. Many homebrew supply shops will sell bottles that you can use in homebrewing, and you can also obtain them from bars and restaurants. Bottle caps can be picked up from homebrewing supply shops.
Perhaps the most difficult part of bottling for the homebrewing novice is discerning when to bottle. The bubbling that serves as a visible indicator of fermentation typically stops after only a few days, but fermentation is not complete at that point. It is important to wait some time after the visible signs of fermentation have disappeared to ensure that the process has run its course. A couple of bad things can occur if the beer is bottled before fermentation has completed. The quality of the beer will certainly suffer, since many of the unpleasant tasting precursor compounds will not have been metabolized by the yeast and will remain in the final product. Another, much more spectacular, problem that can occur is that the fermentation process may continue in the bottle which causes excess amounts of carbon dioxide to build up until the bottle finally explodes. Many homebrewing veterans have at least one "exploding bottle" story from their early days of homebrewing. The amount of time required for fermentation to complete varies according to recipe, strain of yeast used, temperature, as well as other factors. It is therefore important to carefully follow fermenting instructions if you are using a recipe, or ask other homebrew hobbyists for advice.
Once you are certain that fermentation has completed, it is time to begin the bottling process. Since the beer will be left in the bottle to age and prime, it is important that all bottles and caps be thoroughly sanitized prior to use. Be sure to thoroughly rinse with boiled water if you use a bleach based sanitizing agent.
Once the bottles and caps are ready, it is time to prime and bottle the beer. Priming is an important step since it adds a small amount of sugar which allows a limited amount of fermentation to occur in the bottle, thereby carbonizing the beer. The best way to prime the beer is to boil sugar and water together in a sanitized container and transfer them to the sanitized bottling bucket. After the primer sugar is in place, you can then siphon the beer from the fermenting container into the bottling bucket. If you do not have a bottling bucket, you can also add the primer directly to the fermenter prior to bottling.
Once the beer has been primed, it is time for that big final step--bottling. It is important to fill the bottles slowly to avoid any aeration, which can destroy the flavor of the final product by adding too much oxygen to the beer. After the bottle has been filled, it is time to add the sanitized cap and then repeat until all bottles have been filled.
Of course, the real hard part comes next, which is waiting for the beer to age and prime. This can take up to a month or more, depending on the type of yeast used. However, if you simply must have a taste before then, the beer should be serviceable within one week, but you should wait at least a month before consuming more than a few bottles.
Bottling and priming is the final step of the homebrewing process and great care should be taken to ensure that you don't destroy your hard work by allowing unwelcome microorganisms to contaminate the brew. Be sure to sanitize every piece of tubing, every bottle, and every bucket that comes into contact with the beer. If all goes well, you will be enjoying your creation in a few weeks.
About the Author:
Mark Thurnau is the owner of The NFL Directory at: http://www.nfldir.com
Thursday, August 24, 2006
Do It Yourself? You'd Better Think it Through!
Article Presented by:
New Hampshire Concrete Cutting and Core Drilling, All Rights Reserved Written by: Robert Short
So! You want to do your own concrete cutting, huh?
My only piece of advice is: Sub it out. Professional concrete cutters make our lives so much simpler, and save us valuable time and money at the same time. Professional concrete cutters are set up to handle any size concrete sawing job, and even the small concrete cuts can cause big problems for an un-experienced worker. Concrete cutting isn't something you want to hand off to an apprentice with a rescue saw and a particle mask because you will scare him away forever.
Most people will agree that concrete cutting saws that use diamond blades will make short work of cured concrete and rebar, but few will argue that the best way to make a doorway, window or an opening in a concrete wall is to form it correctly while the wall is being poured. Unfortunately even experienced carpenters can make mistakes. The most common reasons for cutting a freshly poured foundation are to widen existing openings; cut for forgotten doorways, windows, add utility penetrations and to add forgotten beam pockets. Home renovations and additions have their own set of conditions, many times limiting access to the cuts. What's the best way to deal with this? Call a professional!
"I wish I could tell you how many times New Hampshire Concrete Cutting has had to "bail out" both contractors and homeowners who have started concrete cuts and cannot finish them," says Robert Short General Manager of New Hampshire Concrete Cutting located in Manchester, NH. "Everyone runs to Home Depot to rent the equipment and spends an enormous amount of time trying to perform concrete cutting just to waste time, money and make a giant mess and then they call us to finish up anyway.
When they finally break down and call us they'll either admit right away something like "I was a moron and I tried it myself" or they'll be too embarrassed and blame it on the neighbor or their brother-in-law." "We use the right equipment and our men are trained to do the job quickly and correctly." Bob's company uses track mounted diamond wall saws made by a manufacturer called Dimas USA, which can cut up to 27 inches deep when they are equipped with an enormous 60" diameter blade. Generally only a 30" blade is used to cut 12" deep from one side of a concrete foundation.
Titanium tracks mounted to the concrete wall are used to guide the large concrete cutting saw with the diamond blade along the wall for a perfectly plumb and smooth cut. The concrete saw glides along each track, cutting deeper on each of several passes until the diamond blade completely penetrates the wall. Water keeps the blades cool and helps control dust during the cutting process. Even with this state of the art setup it can still take two to four hours to cut and drop a residential doorway opening.
Remember, safety is a priority in the concrete cutting field. If you decide to do it yourself, just plan on getting hurt. Noise levels from the saws and hammers are extremely intense, dust containment is critical, eye protection is crucial, and tipping out and dropping a 2,500 pound doorway cutout can be quite the difficult task. If you do rent the equipment and try to do the concrete cutting yourself don't say we didn't warn you. Good Luck!
About the Author:
(c) 2006 New Hampshire Concrete Cutting and Core Drilling, All Rights Reserved
Written by: Robert Short
New Hampshire Concrete Cutting and Core Drilling provides concrete cutting and core drilling services to the contractor and homeowner in New Hampshire or NH. Visit our website at http://www.affordableconcretecutting.net for more information on concrete cutting and core drilling.
New Hampshire Concrete Cutting and Core Drilling, All Rights Reserved Written by: Robert Short
So! You want to do your own concrete cutting, huh?
My only piece of advice is: Sub it out. Professional concrete cutters make our lives so much simpler, and save us valuable time and money at the same time. Professional concrete cutters are set up to handle any size concrete sawing job, and even the small concrete cuts can cause big problems for an un-experienced worker. Concrete cutting isn't something you want to hand off to an apprentice with a rescue saw and a particle mask because you will scare him away forever.
Most people will agree that concrete cutting saws that use diamond blades will make short work of cured concrete and rebar, but few will argue that the best way to make a doorway, window or an opening in a concrete wall is to form it correctly while the wall is being poured. Unfortunately even experienced carpenters can make mistakes. The most common reasons for cutting a freshly poured foundation are to widen existing openings; cut for forgotten doorways, windows, add utility penetrations and to add forgotten beam pockets. Home renovations and additions have their own set of conditions, many times limiting access to the cuts. What's the best way to deal with this? Call a professional!
"I wish I could tell you how many times New Hampshire Concrete Cutting has had to "bail out" both contractors and homeowners who have started concrete cuts and cannot finish them," says Robert Short General Manager of New Hampshire Concrete Cutting located in Manchester, NH. "Everyone runs to Home Depot to rent the equipment and spends an enormous amount of time trying to perform concrete cutting just to waste time, money and make a giant mess and then they call us to finish up anyway.
When they finally break down and call us they'll either admit right away something like "I was a moron and I tried it myself" or they'll be too embarrassed and blame it on the neighbor or their brother-in-law." "We use the right equipment and our men are trained to do the job quickly and correctly." Bob's company uses track mounted diamond wall saws made by a manufacturer called Dimas USA, which can cut up to 27 inches deep when they are equipped with an enormous 60" diameter blade. Generally only a 30" blade is used to cut 12" deep from one side of a concrete foundation.
Titanium tracks mounted to the concrete wall are used to guide the large concrete cutting saw with the diamond blade along the wall for a perfectly plumb and smooth cut. The concrete saw glides along each track, cutting deeper on each of several passes until the diamond blade completely penetrates the wall. Water keeps the blades cool and helps control dust during the cutting process. Even with this state of the art setup it can still take two to four hours to cut and drop a residential doorway opening.
Remember, safety is a priority in the concrete cutting field. If you decide to do it yourself, just plan on getting hurt. Noise levels from the saws and hammers are extremely intense, dust containment is critical, eye protection is crucial, and tipping out and dropping a 2,500 pound doorway cutout can be quite the difficult task. If you do rent the equipment and try to do the concrete cutting yourself don't say we didn't warn you. Good Luck!
About the Author:
(c) 2006 New Hampshire Concrete Cutting and Core Drilling, All Rights Reserved
Written by: Robert Short
New Hampshire Concrete Cutting and Core Drilling provides concrete cutting and core drilling services to the contractor and homeowner in New Hampshire or NH. Visit our website at http://www.affordableconcretecutting.net for more information on concrete cutting and core drilling.
Wednesday, August 23, 2006
Identity Theft: The New Threat to Your Credit
Article Presented by:
Accion USA Written by: Josh Pike
When we think of thieves, images of burglars creeping into homes and apartments come to mind. However, there are new thieves that can take much more than your money or possessions. If your personal information falls into the hands of an identity thief, your credit and finances can be ruined.
Identity thieves use your name or personal information, such as your Social Security number, driver's license number, credit card information, or other financial account information without your permission, frequently opening new credit accounts in their victims' names. They apply for credit cards, make charges, and leave the bills unpaid. They set up telephone or utility service and don't pay the bills. Some victims have found that identity thieves have even applied for loans, apartments, and mortgages under an identity other than their own.
Identity thieves are the sneakiest thieves out there, and it's easier than you think for one to get your personal information. They may steal wallets, or take statements, pre-approved credit offers, and tax information from your mail. They'll even do some dirty work and search your trash for personal data. The best protection against identity theft is caution: shred all items that contain your personal information and account numbers, and don't carry your social security card in your wallet. Order your credit report at least once a year to make sure no one is using your identity to open accounts.
Stop an identity thief dead in his tracks by taking immediate action.
1. Contact the three major credit bureaus. Contact the fraud departments of all of all three major credit departments to place a fraud alert on your credit file.
2. Close accounts. Close the accounts that you know or believe have been tampered with or opened fraudulently.
3. File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
4. File your complaint with the Federal Trade Commission (FTC). The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps us learn more about identity theft, and will help others who have been victimized as well.
About the Author:
This article was written by Josh Pike at ACCION USA. ACCION USA provides business loans up to $25,000 to small business owners who need financing to expand their businesses: http://www.accionusa.org
Accion USA Written by: Josh Pike
When we think of thieves, images of burglars creeping into homes and apartments come to mind. However, there are new thieves that can take much more than your money or possessions. If your personal information falls into the hands of an identity thief, your credit and finances can be ruined.
Identity thieves use your name or personal information, such as your Social Security number, driver's license number, credit card information, or other financial account information without your permission, frequently opening new credit accounts in their victims' names. They apply for credit cards, make charges, and leave the bills unpaid. They set up telephone or utility service and don't pay the bills. Some victims have found that identity thieves have even applied for loans, apartments, and mortgages under an identity other than their own.
Identity thieves are the sneakiest thieves out there, and it's easier than you think for one to get your personal information. They may steal wallets, or take statements, pre-approved credit offers, and tax information from your mail. They'll even do some dirty work and search your trash for personal data. The best protection against identity theft is caution: shred all items that contain your personal information and account numbers, and don't carry your social security card in your wallet. Order your credit report at least once a year to make sure no one is using your identity to open accounts.
Stop an identity thief dead in his tracks by taking immediate action.
1. Contact the three major credit bureaus. Contact the fraud departments of all of all three major credit departments to place a fraud alert on your credit file.
2. Close accounts. Close the accounts that you know or believe have been tampered with or opened fraudulently.
3. File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
4. File your complaint with the Federal Trade Commission (FTC). The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps us learn more about identity theft, and will help others who have been victimized as well.
About the Author:
This article was written by Josh Pike at ACCION USA. ACCION USA provides business loans up to $25,000 to small business owners who need financing to expand their businesses: http://www.accionusa.org
Tuesday, August 22, 2006
Money Integrity: Teach Your Children Well
Article Presented by:
Darlene Arechederra
"Live so that when your children think of fairness and integrity, they think of you." H. Jackson Brown, Jr.
We think of integrity as doing the right thing when no one is looking. But, does this hold true for money, too?
Share with your children the values you'd like them to carry into adulthood. We have opportunities to teach our children, even in unexpected ways!
Consider a few quick scenarios.
1. You find a $100 bill as you enter a local grocery store. Would you ask Customer Service if anyone has reported losing any money recently, and what amount it was?
2. You arrive home and discover a puppy sitting on your front doorstep. He has no tags on him. You bring him in out of the cold and keep him for the night. The next day, you discover his particular breed is worth $1800. Would you attempt to locate his owners as you might if he were a mutt?
3. You place a health & beauty order through a coworker, and she mistakenly thinks you've already paid her for it. Would you give her the money you owe anyway, or would you keep quiet?
4. You and your family have just eaten a meal out. Due to several factors, it was not as enjoyable as you had hoped. The bill arrives, and you notice some items were left off the bill. Would you pay it without saying anything?
5. You're living a frugal lifestyle. You agree to join family members for a meal out to celebrate mom's birthday. Do you order frugally, yet chip in a fair share for mom's meal? Or do you skip contributing to mom's meal and have others cover the entire portion?
6. Your last paycheck was $600 more than it should have been. While deciding whether to notify Payroll at work, your spouse spends the entire $600. Do you call Payroll anyway, knowing they'll deduct the entire amount from your next paycheck? It will leave you no money for several weeks.
7. You're selling your old clunker. Do you disclose any problems you're having with it? Does your answer remain the same regardless of whether your buyer is male or female?
8. You discover that someone you dislike at work received a much bigger raise than you. Do you share the amount of his/her raise with your friends at work, hoping to *get even* somehow since you don't care for him/her?
9. You purchase an ebook online. It was exactly what you were looking for. A week later, you're feeling a money pinch. Do you ask for your money back on the ebook, even though it more than met your needs?
Children notice the decisions we make on a daily basis. What a wonderful opportunity to teach them integrity -- through your own interactions and decisions.
About the Author:
Darlene Arechederra is the creator of "Goodbye Boss, Hello Kids! -- A Mom's Guide to Coming Home From The Workplace." Moms who have considered returning home will enjoy her FREE Report, "5 Secrets to Coming Home" at: http://www.AffordToStayHome.com/5secrets.html . Please feel free to republish this article as is, with the above hyperlink intact and working.
Darlene Arechederra
"Live so that when your children think of fairness and integrity, they think of you." H. Jackson Brown, Jr.
We think of integrity as doing the right thing when no one is looking. But, does this hold true for money, too?
Share with your children the values you'd like them to carry into adulthood. We have opportunities to teach our children, even in unexpected ways!
Consider a few quick scenarios.
1. You find a $100 bill as you enter a local grocery store. Would you ask Customer Service if anyone has reported losing any money recently, and what amount it was?
2. You arrive home and discover a puppy sitting on your front doorstep. He has no tags on him. You bring him in out of the cold and keep him for the night. The next day, you discover his particular breed is worth $1800. Would you attempt to locate his owners as you might if he were a mutt?
3. You place a health & beauty order through a coworker, and she mistakenly thinks you've already paid her for it. Would you give her the money you owe anyway, or would you keep quiet?
4. You and your family have just eaten a meal out. Due to several factors, it was not as enjoyable as you had hoped. The bill arrives, and you notice some items were left off the bill. Would you pay it without saying anything?
5. You're living a frugal lifestyle. You agree to join family members for a meal out to celebrate mom's birthday. Do you order frugally, yet chip in a fair share for mom's meal? Or do you skip contributing to mom's meal and have others cover the entire portion?
6. Your last paycheck was $600 more than it should have been. While deciding whether to notify Payroll at work, your spouse spends the entire $600. Do you call Payroll anyway, knowing they'll deduct the entire amount from your next paycheck? It will leave you no money for several weeks.
7. You're selling your old clunker. Do you disclose any problems you're having with it? Does your answer remain the same regardless of whether your buyer is male or female?
8. You discover that someone you dislike at work received a much bigger raise than you. Do you share the amount of his/her raise with your friends at work, hoping to *get even* somehow since you don't care for him/her?
9. You purchase an ebook online. It was exactly what you were looking for. A week later, you're feeling a money pinch. Do you ask for your money back on the ebook, even though it more than met your needs?
Children notice the decisions we make on a daily basis. What a wonderful opportunity to teach them integrity -- through your own interactions and decisions.
About the Author:
Darlene Arechederra is the creator of "Goodbye Boss, Hello Kids! -- A Mom's Guide to Coming Home From The Workplace." Moms who have considered returning home will enjoy her FREE Report, "5 Secrets to Coming Home" at: http://www.AffordToStayHome.com/5secrets.html . Please feel free to republish this article as is, with the above hyperlink intact and working.
Are You Working Too Hard At Saving Money?
Article Presented by:
Darlene Arechederra
You work hard for your money. And chances are, you work even harder to 'save' some of that money. But what happens when a year later you're not any closer to achieving your savings goal?
That's exactly what happened to Heather. See if you can relate to her experience during rush hour on a sweltering, humid evening not too long ago...
...Heather dragged her tired body from the passenger seat of the tow truck, relieved when her heels hit the surface of her driveway. A few minutes more and she could soak up the air conditioning inside and worry about how to get to work tomorrow.
Heather handed over her credit card information, hoping the driver would be quick about it. She'd dearly love to step away from these diesel fumes. The humidity alone made it difficult to breathe, and she was exhausted. What a day it had been!
But, at least she was finally home -- three hours and $65 later. How could she have known the transmission would call it quits right in the middle of rush hour? Her mechanic had been warning her for months now. She'd hoped it would hold out until she had money for the repair work. But it certainly hadn't worked out that way.
As it stood now, Heather had no money for a transmission, whether used or new. She couldn't afford new car payments, either. And, she'd been using her credit card more and more lately.
She'd certainly worked hard to save money over the past 12 months. She'd brought her lunch to work each and every day. She'd cut out all long-distance calling, as well as reduced her overall spending. She'd found more ways to save, absorbing every article and newsletter she could get her hands on. By her estimate, she had saved close to $3,000 just in the past year.
All that Work -- for Nothing?
But, where in the world was the $3000 Heather had worked so hard to save? It wasn't in her checkbook today, when she truly needed it. And she knew without looking that it wasn't in her savings account.
Unfortunately, the *Money Sponge* had been visiting Heather's checkbook while she went about the business of living. This meant that, while she was so busy working hard to save more money, her money was quietly and steadily being absorbed by the Money Sponge.
Heather's $3000 wasn't taken out of circulation, put into a savings account, or otherwise tucked away. It was left high and dry, totally defenseless in her checkbook. Bite by bite, the Money Sponge absorbed it, and there is now no evidence that Heather saved that $3000.
She'd needed that money urgently today, but it simply wasn't there. It slowly got spent on other things. She had no idea what those things were, but tonight she's feeling that she's no better off than a year ago.
All that work for nothing!
The True Secret to Getting Ahead
Though she was discouraged, Heather learned a valuable lesson that day. She must put up *all* money she saves. If she doesn't, she'll continue to work hard at *saving* yet never really get ahead.
If the money will not be there when she needs it, why is Heather working so hard to save it? And, how long will she stay motivated if she never sees the 'fruits' of her labor?
Heather learned another great lesson as well. She discovered that, if she doesn't begin putting up the 'smaller' amounts of money she's saved, chances are she'll never put up any 'larger' amounts. That day simply won't arrive. Small truly is better than nothing.
Now, the Money Sponge is sitting there quietly, comfortably settled in for the years ahead. But Heather will win this battle, hands down.
How about you? Has the Money Sponge been visiting you lately? Why not cut off its supply by deciding exactly *how* you'll tuck away that little bit of money, even if only $5 at a time.
You work too hard for your money, and you use a lot of energy to avoid spending it. Why not take it out of circulation -- and celebrate each time you move a bit closer to your goal!
About the Author:
Darlene Arechederra is the author of Savvy Saving for Busy Women -- a guide for those new to saving. For free, easy ideas on saving money, visit her site today at: http://www.RatRaceRemedies.com . Please feel free to republish this article as is, with the above hyperlink intact and working.
Darlene Arechederra
You work hard for your money. And chances are, you work even harder to 'save' some of that money. But what happens when a year later you're not any closer to achieving your savings goal?
That's exactly what happened to Heather. See if you can relate to her experience during rush hour on a sweltering, humid evening not too long ago...
...Heather dragged her tired body from the passenger seat of the tow truck, relieved when her heels hit the surface of her driveway. A few minutes more and she could soak up the air conditioning inside and worry about how to get to work tomorrow.
Heather handed over her credit card information, hoping the driver would be quick about it. She'd dearly love to step away from these diesel fumes. The humidity alone made it difficult to breathe, and she was exhausted. What a day it had been!
But, at least she was finally home -- three hours and $65 later. How could she have known the transmission would call it quits right in the middle of rush hour? Her mechanic had been warning her for months now. She'd hoped it would hold out until she had money for the repair work. But it certainly hadn't worked out that way.
As it stood now, Heather had no money for a transmission, whether used or new. She couldn't afford new car payments, either. And, she'd been using her credit card more and more lately.
She'd certainly worked hard to save money over the past 12 months. She'd brought her lunch to work each and every day. She'd cut out all long-distance calling, as well as reduced her overall spending. She'd found more ways to save, absorbing every article and newsletter she could get her hands on. By her estimate, she had saved close to $3,000 just in the past year.
All that Work -- for Nothing?
But, where in the world was the $3000 Heather had worked so hard to save? It wasn't in her checkbook today, when she truly needed it. And she knew without looking that it wasn't in her savings account.
Unfortunately, the *Money Sponge* had been visiting Heather's checkbook while she went about the business of living. This meant that, while she was so busy working hard to save more money, her money was quietly and steadily being absorbed by the Money Sponge.
Heather's $3000 wasn't taken out of circulation, put into a savings account, or otherwise tucked away. It was left high and dry, totally defenseless in her checkbook. Bite by bite, the Money Sponge absorbed it, and there is now no evidence that Heather saved that $3000.
She'd needed that money urgently today, but it simply wasn't there. It slowly got spent on other things. She had no idea what those things were, but tonight she's feeling that she's no better off than a year ago.
All that work for nothing!
The True Secret to Getting Ahead
Though she was discouraged, Heather learned a valuable lesson that day. She must put up *all* money she saves. If she doesn't, she'll continue to work hard at *saving* yet never really get ahead.
If the money will not be there when she needs it, why is Heather working so hard to save it? And, how long will she stay motivated if she never sees the 'fruits' of her labor?
Heather learned another great lesson as well. She discovered that, if she doesn't begin putting up the 'smaller' amounts of money she's saved, chances are she'll never put up any 'larger' amounts. That day simply won't arrive. Small truly is better than nothing.
Now, the Money Sponge is sitting there quietly, comfortably settled in for the years ahead. But Heather will win this battle, hands down.
How about you? Has the Money Sponge been visiting you lately? Why not cut off its supply by deciding exactly *how* you'll tuck away that little bit of money, even if only $5 at a time.
You work too hard for your money, and you use a lot of energy to avoid spending it. Why not take it out of circulation -- and celebrate each time you move a bit closer to your goal!
About the Author:
Darlene Arechederra is the author of Savvy Saving for Busy Women -- a guide for those new to saving. For free, easy ideas on saving money, visit her site today at: http://www.RatRaceRemedies.com . Please feel free to republish this article as is, with the above hyperlink intact and working.
Bosses Day: 25 Wallet-Friendly Gift Ideas
Article Presented by:
Darlene Arechederra
Bosses Day is right around the corner again -- but no need to panic! You still have plenty of time to find a great gift.
The good news is that finding the perfect gift for your boss doesn't need to drain your wallet. Read on for some practical and low-cost gift ideas, including gifts for bosses with special circumstances.
1. Find a small gift for the boss's pet (pet lovers truly appreciate gifts for their beloved pets!)
2. Pick up a gift certificate for boss's favorite bookstore or magazine.
3. Give your boss something that makes her feel great -- maybe a gift card for her favorite beauty shop or spa. Who wouldn't love a manicure or pedicure? A massage may be appreciated, as well.
4. Purchase a gift certificate at his/her favorite shopping place.
5. Pick up a ticket for boss's favorite movie, sporting event or concert.
6. Purchase a gift to go along with the boss' favorite hobby. Does she raise orchids? Is she an avid reader? Does he collect coins or trains?
7. Visit a sports shop if your boss loves any type of sports.
8. Pay attention to crafts she might enjoy. Does she have a favorite craft shop? Any supplies she might use on a regular basis? Does she create homemade gifts (foods, knick knacks, etc.) for the holidays or other occasions?
9. Create a special cheese-and-cracker basket filled with the boss's favorite cheeses, crackers, or even tasty dips.
10. Pick up mixed nuts and arrange in an attractive container with a simple card.
11. Pick up a few items, fill a basket, and call it Boss's Emergency Stash.
12. Purchase favorite drinks, such as soda or sparkling water -- and wrap with a large bow. You can also color coordinate with a sheet of cellophane and simple ribbon.
13. Pick up a fresh fruit salad for those who are dieting, have special dietary needs, or prefer it to junk food.
14. Chip in with co-workers and take the boss out to lunch. (Much less expensive when everyone splits the cost.)
15. Grind some fresh coffee beans for boss. Does he/she love hazelnut coffee? How about White Russian? (They also sell liquid flavorings to spice up regular coffee.)
16. Make homemade batches of boss's favorite breads, cookies or muffins. They're always welcome! (Pumpkin works well at this time of year.)
17. Set up a pot-luck lunch where employees bring a favorite dish. If co-workers are time-strapped, they can simply chip in money instead -- and everyone can enjoy!
18. Pick up a small stainless steel sculpture that reflects the boss's occupation or hobby. These are attractive as well as thoughtful -- and come in a variety of choices. Sculptures for golfers, teachers, psychiatrists, bookworms, etc. can be found.
19. On a trophy, engrave *Boss of the Year* or *World's #1 Boss.*
20. Provide fresh pumpkin muffins, cake, bread or scones. Bosses Day always arrives in the Fall season, so it's a perfect fit.
21. Have coworkers sign a card and list one quality they each admire about the boss. Or list one really neat way the boss has encouraged each of you in some way over the past year. (Try it, you'll enjoy this!)
22. Add some fun with a twist of humor (if the boss has any, that is.) A former boss used to wear suspenders every day, so we all picked a day to wear suspenders in honor of him (borrow if necessary). Call it Suspender Day and get a photo of everyone, including the boss. Make sure he/she gets a large, framed photo of this for desk.
23. Snap a picture of all coworkers and the boss. Enlarge one for the boss for his/her special day. Have everyone sign it.
24. For a new boss you may not know well, you may need to investigate a bit. Is he/she a pet lover? Love kids? Live in the country? How about the city? Love to read? Travel? Fish? Collect antiques?
Try these if you believe your boss is in financial need:
25. Consider a gift certificate from a local discount or grocery store the boss visits often.
26. Chip in with co-workers on a ham/turkey that would feed the boss's family for a few days. Arrange for it to be cooked ahead, and boss can pick it up on his/her way home, or at a store near boss's home. (If your boss has a partner, let the person know ahead of time for planning purposes.) Have them promise to keep it under wraps!
(Tip: You can use the above gift ideas for Administrative Assistants Day, too.)
Enjoy this year's Bosses Day with practical or low-cost gift ideas -- while leaving the credit card tucked away in your wallet. It's a win-win for everyone!
About the Author:
Darlene Arechederra shares money-saving tips and articles with those who want to live a debt-free lifestyle. For free, easy ideas on saving money, visit her site today at http://www.RatRaceRemedies.com . Please feel free to republish this article as is, with the above hyperlink intact and working.
Darlene Arechederra
Bosses Day is right around the corner again -- but no need to panic! You still have plenty of time to find a great gift.
The good news is that finding the perfect gift for your boss doesn't need to drain your wallet. Read on for some practical and low-cost gift ideas, including gifts for bosses with special circumstances.
1. Find a small gift for the boss's pet (pet lovers truly appreciate gifts for their beloved pets!)
2. Pick up a gift certificate for boss's favorite bookstore or magazine.
3. Give your boss something that makes her feel great -- maybe a gift card for her favorite beauty shop or spa. Who wouldn't love a manicure or pedicure? A massage may be appreciated, as well.
4. Purchase a gift certificate at his/her favorite shopping place.
5. Pick up a ticket for boss's favorite movie, sporting event or concert.
6. Purchase a gift to go along with the boss' favorite hobby. Does she raise orchids? Is she an avid reader? Does he collect coins or trains?
7. Visit a sports shop if your boss loves any type of sports.
8. Pay attention to crafts she might enjoy. Does she have a favorite craft shop? Any supplies she might use on a regular basis? Does she create homemade gifts (foods, knick knacks, etc.) for the holidays or other occasions?
9. Create a special cheese-and-cracker basket filled with the boss's favorite cheeses, crackers, or even tasty dips.
10. Pick up mixed nuts and arrange in an attractive container with a simple card.
11. Pick up a few items, fill a basket, and call it Boss's Emergency Stash.
12. Purchase favorite drinks, such as soda or sparkling water -- and wrap with a large bow. You can also color coordinate with a sheet of cellophane and simple ribbon.
13. Pick up a fresh fruit salad for those who are dieting, have special dietary needs, or prefer it to junk food.
14. Chip in with co-workers and take the boss out to lunch. (Much less expensive when everyone splits the cost.)
15. Grind some fresh coffee beans for boss. Does he/she love hazelnut coffee? How about White Russian? (They also sell liquid flavorings to spice up regular coffee.)
16. Make homemade batches of boss's favorite breads, cookies or muffins. They're always welcome! (Pumpkin works well at this time of year.)
17. Set up a pot-luck lunch where employees bring a favorite dish. If co-workers are time-strapped, they can simply chip in money instead -- and everyone can enjoy!
18. Pick up a small stainless steel sculpture that reflects the boss's occupation or hobby. These are attractive as well as thoughtful -- and come in a variety of choices. Sculptures for golfers, teachers, psychiatrists, bookworms, etc. can be found.
19. On a trophy, engrave *Boss of the Year* or *World's #1 Boss.*
20. Provide fresh pumpkin muffins, cake, bread or scones. Bosses Day always arrives in the Fall season, so it's a perfect fit.
21. Have coworkers sign a card and list one quality they each admire about the boss. Or list one really neat way the boss has encouraged each of you in some way over the past year. (Try it, you'll enjoy this!)
22. Add some fun with a twist of humor (if the boss has any, that is.) A former boss used to wear suspenders every day, so we all picked a day to wear suspenders in honor of him (borrow if necessary). Call it Suspender Day and get a photo of everyone, including the boss. Make sure he/she gets a large, framed photo of this for desk.
23. Snap a picture of all coworkers and the boss. Enlarge one for the boss for his/her special day. Have everyone sign it.
24. For a new boss you may not know well, you may need to investigate a bit. Is he/she a pet lover? Love kids? Live in the country? How about the city? Love to read? Travel? Fish? Collect antiques?
Try these if you believe your boss is in financial need:
25. Consider a gift certificate from a local discount or grocery store the boss visits often.
26. Chip in with co-workers on a ham/turkey that would feed the boss's family for a few days. Arrange for it to be cooked ahead, and boss can pick it up on his/her way home, or at a store near boss's home. (If your boss has a partner, let the person know ahead of time for planning purposes.) Have them promise to keep it under wraps!
(Tip: You can use the above gift ideas for Administrative Assistants Day, too.)
Enjoy this year's Bosses Day with practical or low-cost gift ideas -- while leaving the credit card tucked away in your wallet. It's a win-win for everyone!
About the Author:
Darlene Arechederra shares money-saving tips and articles with those who want to live a debt-free lifestyle. For free, easy ideas on saving money, visit her site today at http://www.RatRaceRemedies.com . Please feel free to republish this article as is, with the above hyperlink intact and working.
Identity Theft: How Can You Protect Yourself?
Article Presented by:
Vasrue.com, All Rights Reserved Written by: Robert Wade
Yes, it can happen to you - from seemingly minor credit card use just one dispute away, to full-fledged devastation where multiple people use your social security number to acquire jobs - making you responsible for thousands of dollars in taxes. Both Gartner Research and Harris Interactive estimate about seven million people have fallen victim to identity theft, which equals 799 people each hour or 19,178 each day. Not all incidents are easy to resolve, either. The average identity theft victim spends 600 hours conducting tasks to recover from the crime, while some never recover.
Identity thieves gather information from businesses or employers, stealing computer or paper records. They can steal your mail and find credit card statements, offers or tax information. They conduct phishing and phone scams to lure information from you, cloaking their email address or Caller ID so you think you're giving information to your bank or other legitimate business. They obtain your credit reports, offering a wealth of credit and employment data. They attach devices to ATM machines or collect the information in a data storage device. Change of Address forms are completed to route victim's mail to another address. Orders are placed in your name on websites that bill after receipt, including CD, book or DVD clubs.
Once your information is compromised, they can charge your credit cards to the limit, open bank accounts, sell your social security number for employment purposes, file for bankruptcy in your name, create counterfeit checks to use or sell, offer your information to the police at arrest or even take out auto loans. The ramifications are overwhelming, leading victims in a tangled mess of litigation, credit collections, bankruptcy filings, employment denials, tax evasion and possible incarceration.
What can you do to protect yourself? Here's a few tips:
1. Check your credit report at all three bureaus annually to ensure accuracy.
2. Check your employers payroll and HR record security policy.
3. Shred all financial and confidential paperwork including loan applications. A small shredder is extremely inexpensive compared to the ramification you face should this data be compromised.
4. Watch what you say on your cell phone and in public conversations. Keep personal information to yourself.
5. Never disclose confidential or financial data over the phone or via email. This includes your name, address, account and social security number.
6. Protect your computer with a firewall.
7. Immediately delete suspicious email.
8. Leave your social security card at home and be cautious of those receiving this data.
9. Leave your phone number, social security and drivers' license numbers off of your checks.
10. Be suspicious of telephone solicitors. If you didn't initiate the call, it may not be the person Caller ID says it is.
In today's world, information spreads in seconds. Be smart and safe, preventing identity theft before it happens to you.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Robert Wade writes about Finance. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
Vasrue.com, All Rights Reserved Written by: Robert Wade
Yes, it can happen to you - from seemingly minor credit card use just one dispute away, to full-fledged devastation where multiple people use your social security number to acquire jobs - making you responsible for thousands of dollars in taxes. Both Gartner Research and Harris Interactive estimate about seven million people have fallen victim to identity theft, which equals 799 people each hour or 19,178 each day. Not all incidents are easy to resolve, either. The average identity theft victim spends 600 hours conducting tasks to recover from the crime, while some never recover.
Identity thieves gather information from businesses or employers, stealing computer or paper records. They can steal your mail and find credit card statements, offers or tax information. They conduct phishing and phone scams to lure information from you, cloaking their email address or Caller ID so you think you're giving information to your bank or other legitimate business. They obtain your credit reports, offering a wealth of credit and employment data. They attach devices to ATM machines or collect the information in a data storage device. Change of Address forms are completed to route victim's mail to another address. Orders are placed in your name on websites that bill after receipt, including CD, book or DVD clubs.
Once your information is compromised, they can charge your credit cards to the limit, open bank accounts, sell your social security number for employment purposes, file for bankruptcy in your name, create counterfeit checks to use or sell, offer your information to the police at arrest or even take out auto loans. The ramifications are overwhelming, leading victims in a tangled mess of litigation, credit collections, bankruptcy filings, employment denials, tax evasion and possible incarceration.
What can you do to protect yourself? Here's a few tips:
1. Check your credit report at all three bureaus annually to ensure accuracy.
2. Check your employers payroll and HR record security policy.
3. Shred all financial and confidential paperwork including loan applications. A small shredder is extremely inexpensive compared to the ramification you face should this data be compromised.
4. Watch what you say on your cell phone and in public conversations. Keep personal information to yourself.
5. Never disclose confidential or financial data over the phone or via email. This includes your name, address, account and social security number.
6. Protect your computer with a firewall.
7. Immediately delete suspicious email.
8. Leave your social security card at home and be cautious of those receiving this data.
9. Leave your phone number, social security and drivers' license numbers off of your checks.
10. Be suspicious of telephone solicitors. If you didn't initiate the call, it may not be the person Caller ID says it is.
In today's world, information spreads in seconds. Be smart and safe, preventing identity theft before it happens to you.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Robert Wade writes about Finance. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
How to Finagle A Low-Cost Night (or Day) Out
Article Presented by:
Vasrue.com, All Rights Reserved Written by: Mindy Lynch
Nervous about a presentation on Monday and payday still a week away? We all need a few hours to blow off some steam, but you don't have to blow your budget to do so. Grab a few friends or your significant other for a memorable and frugal night (or day) on the town.
For a minimal expense, you can visit a winery and embark on a decadent wine tasting tour. Sample the year's finest reds and whites while learning a thing or two along the way. If you don't know where to start, ask a local wine shop or search online.
Nothing's more humbling to the soul than supporting a local charity. Spend an afternoon at the food bank, lifting boxes or stocking shelves, or gather pals for a Habitat for Humanity home-building afternoon. When your day is complete, that presentation won't seem quite so bad.
Be adventurous and discover the beauty surrounding you. Many of us take for granted everything we see on a day-to-day basis. But sometimes the most spectacular scenes are right in your own backyard. Take a hike, go berry picking or drive to the beach. Pack a scrupulous lunch and blanket for a relaxing picnic in the grass.
Scout out a local book signing or poetry reading. Coffeehouses, libraries, universities and small book shops are a great resource for free or low-cost entertainment - from literary events to small acoustic shows, and some even offer relaxing cappuccinos and herbal teas alongside.
Find a local park and go on a duck feeding stroll. Bring bread or crackers to toss on your path, enjoying unrushed conversation, soda, coffee or tea along the way.
Grab a latte, biscotti or hardy scones on a low-cost coffee date. Enjoy an afternoon of caffeine, sweetness and conversation. With these creative ideas, you can still be stylish on a tight budget.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Mindy Lynch writes about Dating and Relationships. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
Vasrue.com, All Rights Reserved Written by: Mindy Lynch
Nervous about a presentation on Monday and payday still a week away? We all need a few hours to blow off some steam, but you don't have to blow your budget to do so. Grab a few friends or your significant other for a memorable and frugal night (or day) on the town.
For a minimal expense, you can visit a winery and embark on a decadent wine tasting tour. Sample the year's finest reds and whites while learning a thing or two along the way. If you don't know where to start, ask a local wine shop or search online.
Nothing's more humbling to the soul than supporting a local charity. Spend an afternoon at the food bank, lifting boxes or stocking shelves, or gather pals for a Habitat for Humanity home-building afternoon. When your day is complete, that presentation won't seem quite so bad.
Be adventurous and discover the beauty surrounding you. Many of us take for granted everything we see on a day-to-day basis. But sometimes the most spectacular scenes are right in your own backyard. Take a hike, go berry picking or drive to the beach. Pack a scrupulous lunch and blanket for a relaxing picnic in the grass.
Scout out a local book signing or poetry reading. Coffeehouses, libraries, universities and small book shops are a great resource for free or low-cost entertainment - from literary events to small acoustic shows, and some even offer relaxing cappuccinos and herbal teas alongside.
Find a local park and go on a duck feeding stroll. Bring bread or crackers to toss on your path, enjoying unrushed conversation, soda, coffee or tea along the way.
Grab a latte, biscotti or hardy scones on a low-cost coffee date. Enjoy an afternoon of caffeine, sweetness and conversation. With these creative ideas, you can still be stylish on a tight budget.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Mindy Lynch writes about Dating and Relationships. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
Friday, August 18, 2006
Did Rising Gas Prices Lead To Matthew Mcconaughey's Recent Car Sale?
Article Presented by:
Wesley Berry, AAF
Actor Matthew McConaughey reportedly sold his 1971 Corvette Stingray convertible on eBay for $61,600. But, it wasn't rising gas prices that led to the sale; McConaughey sold the car for charity, donating the proceeds to Oprah Winfrey's Angel Network for Katrina and Rita relief. While gas prices may not have much of an affect on the deep pockets of Hollywood stars, they have hit the rest of us quite hard-including florists and those who buy flowers from them.
Rising gas prices affect the florists on a number of levels, such as deliveries to customers and shipments from wholesalers. The affect on florists has been so profound that it's prompted some to take their concerns before the House committee on Energy and Commerce.
When John R. Wilkins, AAF, executive vice president of Delaware Valley Floral Group in Sewell, New Jersey testified in May of 2006, he told the committee, "Other than labor costs, perhaps no single factor has more power to impact the bottom line of floral businesses than the cost of fuel. As you buy flowers for your mothers, wives or daughters this coming weekend in celebration of Mother's Day, I am estimating that up to 50 percent of the cost of flowers is attributable to transportation costs. That's not counting the percentage that might be attributable to other fuel prices-heat for greenhouses and electricity for refrigeration."
Still other florists are taking matters into their own hands in an attempt to reduce their costs and pass the savings on to their customers. Many florists have begun to invest in new vehicles that get better gas mileage. One such vehicle that some florists are swearing by for their deliveries is the Toyota Scion xB, which gets a reported 31 miles per gallon.
Janesville, Wisconsin florist Tom Carlson of Fairview Florist and Greenhouses says he's cut his operating costs in half while increasing his visibility in the area. His customers say they see his Scion, dubbed "the chick magnet," all over town. Carlson had this to say of the Scion he's owned for about a year now, "Depreciation is less, insurance is less, maintenance is less and gas is less."
Mesa, Arizona florist David Johnson, owner of Watson's Flower Shop, reports that he's saved more than $6,000 in gas since trading in his two Ford vans for two Scions last summer. The enormous savings is enough to cover the cost of one of the Scion's leases for twelve months!
Although the Scion is smaller than the traditional vans that most florists use, there are ways around that, too. Tom Carlson uses his larger van only when he has large deliveries while in Melbourne, Florida Tina Stoecker, AIFD, PFCI (of Designs of the Times Florist) says her little Scion has just as much space as a van when she removes the back seat.
No matter what business they're in, people all over America are looking for ways to beat the rising price of gas. Though the cost may lead you to sell your old gas-guzzler, if you're like most of us, you won't be able to donate the money to charity like Matthew McConaughey did-you'll have to use it to pay for gas to fill the tank of your new car! Or, you could use some of the money to buy yourself flowers as a little pick-me-up.
About the Author:
Wesley Berry is member of the American Academy of Floriculture (AAF) and President of Wesley Berry Flowers, a successful multi-million dollar floral business that was established in 1946. He is also the developer of Localnewsdelivery.com a website that delivers local news to over 40,000 communities across the country. Recently he also launched a website providing information about various places of worship throughout the United States. Visit Wesley Berry Flowers on the web at www.800wesleys.com.
Wesley Berry, AAF
Actor Matthew McConaughey reportedly sold his 1971 Corvette Stingray convertible on eBay for $61,600. But, it wasn't rising gas prices that led to the sale; McConaughey sold the car for charity, donating the proceeds to Oprah Winfrey's Angel Network for Katrina and Rita relief. While gas prices may not have much of an affect on the deep pockets of Hollywood stars, they have hit the rest of us quite hard-including florists and those who buy flowers from them.
Rising gas prices affect the florists on a number of levels, such as deliveries to customers and shipments from wholesalers. The affect on florists has been so profound that it's prompted some to take their concerns before the House committee on Energy and Commerce.
When John R. Wilkins, AAF, executive vice president of Delaware Valley Floral Group in Sewell, New Jersey testified in May of 2006, he told the committee, "Other than labor costs, perhaps no single factor has more power to impact the bottom line of floral businesses than the cost of fuel. As you buy flowers for your mothers, wives or daughters this coming weekend in celebration of Mother's Day, I am estimating that up to 50 percent of the cost of flowers is attributable to transportation costs. That's not counting the percentage that might be attributable to other fuel prices-heat for greenhouses and electricity for refrigeration."
Still other florists are taking matters into their own hands in an attempt to reduce their costs and pass the savings on to their customers. Many florists have begun to invest in new vehicles that get better gas mileage. One such vehicle that some florists are swearing by for their deliveries is the Toyota Scion xB, which gets a reported 31 miles per gallon.
Janesville, Wisconsin florist Tom Carlson of Fairview Florist and Greenhouses says he's cut his operating costs in half while increasing his visibility in the area. His customers say they see his Scion, dubbed "the chick magnet," all over town. Carlson had this to say of the Scion he's owned for about a year now, "Depreciation is less, insurance is less, maintenance is less and gas is less."
Mesa, Arizona florist David Johnson, owner of Watson's Flower Shop, reports that he's saved more than $6,000 in gas since trading in his two Ford vans for two Scions last summer. The enormous savings is enough to cover the cost of one of the Scion's leases for twelve months!
Although the Scion is smaller than the traditional vans that most florists use, there are ways around that, too. Tom Carlson uses his larger van only when he has large deliveries while in Melbourne, Florida Tina Stoecker, AIFD, PFCI (of Designs of the Times Florist) says her little Scion has just as much space as a van when she removes the back seat.
No matter what business they're in, people all over America are looking for ways to beat the rising price of gas. Though the cost may lead you to sell your old gas-guzzler, if you're like most of us, you won't be able to donate the money to charity like Matthew McConaughey did-you'll have to use it to pay for gas to fill the tank of your new car! Or, you could use some of the money to buy yourself flowers as a little pick-me-up.
About the Author:
Wesley Berry is member of the American Academy of Floriculture (AAF) and President of Wesley Berry Flowers, a successful multi-million dollar floral business that was established in 1946. He is also the developer of Localnewsdelivery.com a website that delivers local news to over 40,000 communities across the country. Recently he also launched a website providing information about various places of worship throughout the United States. Visit Wesley Berry Flowers on the web at www.800wesleys.com.
Thursday, August 17, 2006
Deals For My Wheels! How Do I Sell This Thing?
Article Presented by:
Vasrue.com, All Rights Reserved Written by: Adam Rooney
Are you ready to cash in your existing vehicle for a newer model, or are you just looking for ways to unload a gas guzzler? Selling your car can be daunting - from listing to showing and all of that paperwork. But done correctly, your efforts can pay off in the end. Here's a few tips on selling your used car or truck:
1. Price it Right. Like anything, customers won't bite if you advertise an over-priced item. Find out what your car is really worth, not what you want to make on it. Use the Kelley Blue Book (http://www.kbb.com), or check Ebay (http://ebay.com) for similar vehicle sales prices. The Consumer Guide (http://www.consumerguide.com) will let you know the going market rate.
2. Write a Compelling Description. Consider the buyer when you write your description. What would you want to know about a car before spending your time calling and test driving? Detail every feature your car has, describing its honest condition and recent maintenance. Read other advertisements to get ideas, and answer questions proactively to save everyone's time.
3. Create a Listing. While newspaper classifieds are a great way to advertise your car, the Internet has also opened up a plethora of used car sales venues. You can post an ad at online auction houses like Ebay (http://ebay.com) or general classified websites like Craigslist (http://www.craigslist.org) and Cars Direct (http://www.carsdirect.com).
4. Make a Donation. If you have an extremely old car and it's simply not worth your time and trouble to sell it, consider a tax deductible donation. Look in your local Yellow Pages for charities near you, or visit America's Car Donation Charities Center (http://www.donateacar.com). That unwanted car just may be someone's lifeline.
5. Clean and Detail Your Car. Nobody wants to buy a dirty car. Even if you're comfortable with it, a stranger will expect a spotless car and will pay more for this extra attention to detail. Wash, wax, vacuum, shine the dashboard and clean all the windows and mirrors. You might even want to shine the tires and hubcaps while you're at it.
6. Prepare the Paperwork. Have all the paperwork ready when buyers visit and test drive your vehicle. Check your state requirements for smog certificates, title transfers, tax requirements and odometer reading statements. Ask the local Department of Motor Vehicles if you're not sure. Plus, have all parties sign a bill of sale.
7. Be Cautious of Scams. Finally, when dealing with online transactions, be leery of foreign buyers requesting payment via wire transfers, escrow services or Western Union. Keep your personal financial information including your social security number, checking account number and eBay/PayPal data to yourself. It's always best, also, to stick with local buyers who can come and test drive your vehicle first.
While car selling has changed a bit in the past decade, most of these changes have made it easier and more efficient to unload your vehicle. Follow these simple tips, and you'll have cash in your pocket in no time.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Adam Rooney writes about Cars, Trucks and Automobiles. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
Vasrue.com, All Rights Reserved Written by: Adam Rooney
Are you ready to cash in your existing vehicle for a newer model, or are you just looking for ways to unload a gas guzzler? Selling your car can be daunting - from listing to showing and all of that paperwork. But done correctly, your efforts can pay off in the end. Here's a few tips on selling your used car or truck:
1. Price it Right. Like anything, customers won't bite if you advertise an over-priced item. Find out what your car is really worth, not what you want to make on it. Use the Kelley Blue Book (http://www.kbb.com), or check Ebay (http://ebay.com) for similar vehicle sales prices. The Consumer Guide (http://www.consumerguide.com) will let you know the going market rate.
2. Write a Compelling Description. Consider the buyer when you write your description. What would you want to know about a car before spending your time calling and test driving? Detail every feature your car has, describing its honest condition and recent maintenance. Read other advertisements to get ideas, and answer questions proactively to save everyone's time.
3. Create a Listing. While newspaper classifieds are a great way to advertise your car, the Internet has also opened up a plethora of used car sales venues. You can post an ad at online auction houses like Ebay (http://ebay.com) or general classified websites like Craigslist (http://www.craigslist.org) and Cars Direct (http://www.carsdirect.com).
4. Make a Donation. If you have an extremely old car and it's simply not worth your time and trouble to sell it, consider a tax deductible donation. Look in your local Yellow Pages for charities near you, or visit America's Car Donation Charities Center (http://www.donateacar.com). That unwanted car just may be someone's lifeline.
5. Clean and Detail Your Car. Nobody wants to buy a dirty car. Even if you're comfortable with it, a stranger will expect a spotless car and will pay more for this extra attention to detail. Wash, wax, vacuum, shine the dashboard and clean all the windows and mirrors. You might even want to shine the tires and hubcaps while you're at it.
6. Prepare the Paperwork. Have all the paperwork ready when buyers visit and test drive your vehicle. Check your state requirements for smog certificates, title transfers, tax requirements and odometer reading statements. Ask the local Department of Motor Vehicles if you're not sure. Plus, have all parties sign a bill of sale.
7. Be Cautious of Scams. Finally, when dealing with online transactions, be leery of foreign buyers requesting payment via wire transfers, escrow services or Western Union. Keep your personal financial information including your social security number, checking account number and eBay/PayPal data to yourself. It's always best, also, to stick with local buyers who can come and test drive your vehicle first.
While car selling has changed a bit in the past decade, most of these changes have made it easier and more efficient to unload your vehicle. Follow these simple tips, and you'll have cash in your pocket in no time.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Adam Rooney writes about Cars, Trucks and Automobiles. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
A Recipe for Good Credit
Article Presented by:
Accion USA Written by: Josh Pike
If your credit is not as good as you want it to be, take action now! It's easier than you think to improve your credit. With the right mix of good payments and debt management, you will see positive changes in your credit report in as little as six months. Diana Dezso, credit expert at ACCION, offers the following "recipe" for improving your credit history. Like any good meal, it takes a little time and a lot of patience, but the payoff will be worth the effort!
1. Pay bills on time. If you're only going to do one thing to improve your credit, pay your bills on time! You can begin to improve your credit history immediately by making at least the minimum payments on time. Within a few months it will be obvious that you are managing your credit responsibly and your credit report will be stronger.
2. Use credit sparingly. The golden rule is to spend no more than a third of your income on all debt, including mortgages, credit cards and consumer loans. Try to use credit cards only for purchases that have long-term value, such as furniture, medical care, or emergency repairs. Depending on credit cards for everyday frills like dining out and entertainment is recipe for credit disaster.
3. Correct mistakes. Your credit is a reflection of the information in your credit report. If your credit report contains negative information, it will negatively impact your credit regardless of whether or not the information is accurate. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan.
4. Pay off old debts. Make arrangements to pay off all existing debt. Establish a written payment plan and when account is paid off; be sure to get a letter from the creditor that updates your credit bureau record.
5. Pay more than the minimum required. When you pay only the minimum due each month, you end up paying a lot of money in interest charges.
6. Do not max out credit cards - use only 30-50% of available revolving credit.
Now sit back, relax, and enjoy the benefits that a positive credit history offers.
About the Author:
This article was written by Josh Pike at ACCION USA. ACCION USA provides business loans up to $25,000 to small business owners who need financing to expand their businesses: http://www.accionusa.org
Accion USA Written by: Josh Pike
If your credit is not as good as you want it to be, take action now! It's easier than you think to improve your credit. With the right mix of good payments and debt management, you will see positive changes in your credit report in as little as six months. Diana Dezso, credit expert at ACCION, offers the following "recipe" for improving your credit history. Like any good meal, it takes a little time and a lot of patience, but the payoff will be worth the effort!
1. Pay bills on time. If you're only going to do one thing to improve your credit, pay your bills on time! You can begin to improve your credit history immediately by making at least the minimum payments on time. Within a few months it will be obvious that you are managing your credit responsibly and your credit report will be stronger.
2. Use credit sparingly. The golden rule is to spend no more than a third of your income on all debt, including mortgages, credit cards and consumer loans. Try to use credit cards only for purchases that have long-term value, such as furniture, medical care, or emergency repairs. Depending on credit cards for everyday frills like dining out and entertainment is recipe for credit disaster.
3. Correct mistakes. Your credit is a reflection of the information in your credit report. If your credit report contains negative information, it will negatively impact your credit regardless of whether or not the information is accurate. Review your reports from all three credit bureaus for accuracy once a year as well as several months before applying for a loan.
4. Pay off old debts. Make arrangements to pay off all existing debt. Establish a written payment plan and when account is paid off; be sure to get a letter from the creditor that updates your credit bureau record.
5. Pay more than the minimum required. When you pay only the minimum due each month, you end up paying a lot of money in interest charges.
6. Do not max out credit cards - use only 30-50% of available revolving credit.
Now sit back, relax, and enjoy the benefits that a positive credit history offers.
About the Author:
This article was written by Josh Pike at ACCION USA. ACCION USA provides business loans up to $25,000 to small business owners who need financing to expand their businesses: http://www.accionusa.org
Wednesday, August 16, 2006
Saving, Spending and Sabotage!
Article Presented by:
Darlene Arechederra
I confess - I should've seen it coming. But, I didn't.
Late evening last week, I was at the halfway mark of my three-mile walk. I paused just long enough to glance up at my home, as my pet-friendly blinds were moving slightly.
Yep. There it was. A long, chocolate snout - plastered against the window. Following my every move as I tried to squeeze in an evening walk. He knew exactly when I spotted him, because he shifted his face until all I could see were huge, brown puppy-dog eyes. He gave me the full fledged, "Please, mom! Take me with you!" Huh.
Well, I'm no match for those eyes. Two minutes later, we hit the road, my five-year-old Labrador Ben (retractable leash included) and I. The walk was on!
But, after stopping at the sixth tree, I realized this was not going to be a heart-healthy walk for me. This was a *stop-at-every-third-tree-and-shrub* kind of walk.
So, I decided to have a leisurely stroll instead (the old turn-lemons-into-lemonade theory.) A simple attitude adjustment was all I needed.
And, to be honest, all was well once I acknowledged this as a *Ben* walk. That is, until we rounded the corner into our back yard. That's when it happened...
Ben spotted Mr. Rabbit, fresh from the neighbor's garden - and headed across the street to yet another crispy green haven.
This was too much for a rabbit-loving Ben. He strained against the leash, pulling and yelping in his bid for freedom. And seconds later, I held nothing but a dangling leash in my hand. Ben had dashed across the street to run the rabbit.
After I *retrieved* my Labrador, I checked the leash that had failed me so miserably. The clasp was contorted, stretched beyond recognition. Ben had bent it in his quest for his furry little friend.
I placed Ben safely back inside, then reflected on the past hour. Whether I wanted to admit it (or not), I had been sabotaged.
By me.
My goal had been to walk three miles at a pace that exercised my heart and built up my stamina.
Did it happen?
No.
Why not?
Because...I knew not to look up at the window, yet I did it anyway. (Perhaps I need to put some blinders on myself.) I knew I couldn't walk at a brisk, heart-healthy pace with Ben along. (No, stopping at trees does not count as exercise for me.) I wanted to be a good mom to Ben. But this wasn't the time, nor the place.
Can you relate? It's just so easy to sabotage ourselves - regardless of our goals.
For example, what are some of the ways we might sabotage ourselves with our money? We have a weakness for shopping, but we might go to the mall weekly (or even twice-weekly) anyway. Because we enjoy eating out, we may keep ourselves busy all evening - doing everything *except* packing tomorrow's lunch. So, the next day, we order lunch out (again). We may budget $60 for groceries each week. At checkout, it comes to over $100. (Using a small calculator to track the items as we toss them in the cart would fix this problem. We'd more than make up for the cost of the calculator in savings during our next trip to the store.)
How about you? Has Sabotage left you empty handed lately?
Over the next few weeks, why not see if Sabotage has left a trail in any areas of your life. Once you become aware of what's setting you back, it'll be so much easier to get back on track with your goals!
About the Author:
Darlene Arechederra shares money-saving tips and articles with those who want to live a debt-free lifestyle. For free easy ideas on saving money, visit her site today at: http://www.RatRaceRemedies.com
Darlene Arechederra
I confess - I should've seen it coming. But, I didn't.
Late evening last week, I was at the halfway mark of my three-mile walk. I paused just long enough to glance up at my home, as my pet-friendly blinds were moving slightly.
Yep. There it was. A long, chocolate snout - plastered against the window. Following my every move as I tried to squeeze in an evening walk. He knew exactly when I spotted him, because he shifted his face until all I could see were huge, brown puppy-dog eyes. He gave me the full fledged, "Please, mom! Take me with you!" Huh.
Well, I'm no match for those eyes. Two minutes later, we hit the road, my five-year-old Labrador Ben (retractable leash included) and I. The walk was on!
But, after stopping at the sixth tree, I realized this was not going to be a heart-healthy walk for me. This was a *stop-at-every-third-tree-and-shrub* kind of walk.
So, I decided to have a leisurely stroll instead (the old turn-lemons-into-lemonade theory.) A simple attitude adjustment was all I needed.
And, to be honest, all was well once I acknowledged this as a *Ben* walk. That is, until we rounded the corner into our back yard. That's when it happened...
Ben spotted Mr. Rabbit, fresh from the neighbor's garden - and headed across the street to yet another crispy green haven.
This was too much for a rabbit-loving Ben. He strained against the leash, pulling and yelping in his bid for freedom. And seconds later, I held nothing but a dangling leash in my hand. Ben had dashed across the street to run the rabbit.
After I *retrieved* my Labrador, I checked the leash that had failed me so miserably. The clasp was contorted, stretched beyond recognition. Ben had bent it in his quest for his furry little friend.
I placed Ben safely back inside, then reflected on the past hour. Whether I wanted to admit it (or not), I had been sabotaged.
By me.
My goal had been to walk three miles at a pace that exercised my heart and built up my stamina.
Did it happen?
No.
Why not?
Because...
Can you relate? It's just so easy to sabotage ourselves - regardless of our goals.
For example, what are some of the ways we might sabotage ourselves with our money?
How about you? Has Sabotage left you empty handed lately?
Over the next few weeks, why not see if Sabotage has left a trail in any areas of your life. Once you become aware of what's setting you back, it'll be so much easier to get back on track with your goals!
About the Author:
Darlene Arechederra shares money-saving tips and articles with those who want to live a debt-free lifestyle. For free easy ideas on saving money, visit her site today at: http://www.RatRaceRemedies.com
Growing Herb Plants in Containers
Article Presented by:
Ted Roberson
I love herb plants. I have grown thyme, basil, marjoram, sage, mint, parsley, cilantro, chives, rosemary, oregano and more. My rosemary plant has now made it through two winters and it looks like a small shrub.
I love herb plants because I get to eat them, they are easy to grow, and they can be grown quite successfully in containers. My herb plants have all been grown in plain, cheap plastic containers from the local discount store. Some, like mint and the rosemary, have been grown in their own individual pots, while others, like thyme and sage, are planted together in window boxes that sit on the walls of my patio.
These container-grown herb plants are incredibly convenient because they are all about two steps out my back door. If I decide I need an herb in the middle of cooking dinner, I can rush out and grab a little without having to worry if my kitchen will catch on fire (and without stopping to find my shoes).
There's really only one rule to growing herb plants: grow what you like. If you never cook Italian food, don't grow basil. If you don't like mint, don't grow it. You should never grow something you won't use just because it looks nice, smells nice, or seems like something that ought to be in your garden.
If you cook a lot, you probably already know what kinds of herb plants you'd like in your container garden. If you don't cook, growing some herb plants just might give you a kick-start. Try easy-to-grow and use herbs like parsley, chives, cilantro or thyme. Or grow things that correspond to the cuisines you like to eat: cilantro for Mexican food, basil and rosemary for Italian, mint and chamomile if you love tea, lemongrass and Thai basil for Thai food, etc. Then get a recipe book from the library and make sure those herbs don't go to waste!
There are two methods for growing herb plants: you can buy already established plants or you can start your herb plants from seed. We usually do a mix based on which herb plants are available for sale at our local farmer's market or garden supply store.
The easiest herb plants to grow from seed are parsley, cilantro, chives, mint and other similar plants with small grassy stems. The woodier herb plants like rosemary, thyme and oregano are better grown from established plants.
If you are planting established herb plants, you plant them in the same way you would plant any other plant; just dig a hole, put the plant in and water it well. If you're starting your herb plants from seeds, scatter them over the soil, cover very lightly with a little bit of soil and water well. The plants will begin to sprout in about a week.
The great thing about starting your herbs from seeds is that you can continue to plant seeds every couple of weeks all season long so you always have fresh herbs available. Parsley and cilantro in particular benefit from this continual sewing, because so much must be harvested to be of any use.
Whichever way you choose to start your herb plants, make sure you keep them well watered through the season and they will produce well for you. Established herbs can be harvested by simply trimming off what you need. The potency of dried herbs is about three times that of fresh, so if you are using fresh herbs in a recipe that called for dried herbs, triple the amount called for.
Fresh herbs aren't just for cooking. You can also use them in craft projects, flower arrangements, and salads. Dry some of your harvest so you'll have great "fresh" herbs all winter long. You'll never go back to those sad little tins from the grocery store.
About the Author:
Written by: Ted Roberson - Discover Landscape Living, were you will learn how to improve and maintain your landscape and garden area with simple landscape and garden projects you can do around your home and garden to accent your outdoor living area. http://www.landscapeliving.com/
Ted Roberson
I love herb plants. I have grown thyme, basil, marjoram, sage, mint, parsley, cilantro, chives, rosemary, oregano and more. My rosemary plant has now made it through two winters and it looks like a small shrub.
I love herb plants because I get to eat them, they are easy to grow, and they can be grown quite successfully in containers. My herb plants have all been grown in plain, cheap plastic containers from the local discount store. Some, like mint and the rosemary, have been grown in their own individual pots, while others, like thyme and sage, are planted together in window boxes that sit on the walls of my patio.
These container-grown herb plants are incredibly convenient because they are all about two steps out my back door. If I decide I need an herb in the middle of cooking dinner, I can rush out and grab a little without having to worry if my kitchen will catch on fire (and without stopping to find my shoes).
There's really only one rule to growing herb plants: grow what you like. If you never cook Italian food, don't grow basil. If you don't like mint, don't grow it. You should never grow something you won't use just because it looks nice, smells nice, or seems like something that ought to be in your garden.
If you cook a lot, you probably already know what kinds of herb plants you'd like in your container garden. If you don't cook, growing some herb plants just might give you a kick-start. Try easy-to-grow and use herbs like parsley, chives, cilantro or thyme. Or grow things that correspond to the cuisines you like to eat: cilantro for Mexican food, basil and rosemary for Italian, mint and chamomile if you love tea, lemongrass and Thai basil for Thai food, etc. Then get a recipe book from the library and make sure those herbs don't go to waste!
There are two methods for growing herb plants: you can buy already established plants or you can start your herb plants from seed. We usually do a mix based on which herb plants are available for sale at our local farmer's market or garden supply store.
The easiest herb plants to grow from seed are parsley, cilantro, chives, mint and other similar plants with small grassy stems. The woodier herb plants like rosemary, thyme and oregano are better grown from established plants.
If you are planting established herb plants, you plant them in the same way you would plant any other plant; just dig a hole, put the plant in and water it well. If you're starting your herb plants from seeds, scatter them over the soil, cover very lightly with a little bit of soil and water well. The plants will begin to sprout in about a week.
The great thing about starting your herbs from seeds is that you can continue to plant seeds every couple of weeks all season long so you always have fresh herbs available. Parsley and cilantro in particular benefit from this continual sewing, because so much must be harvested to be of any use.
Whichever way you choose to start your herb plants, make sure you keep them well watered through the season and they will produce well for you. Established herbs can be harvested by simply trimming off what you need. The potency of dried herbs is about three times that of fresh, so if you are using fresh herbs in a recipe that called for dried herbs, triple the amount called for.
Fresh herbs aren't just for cooking. You can also use them in craft projects, flower arrangements, and salads. Dry some of your harvest so you'll have great "fresh" herbs all winter long. You'll never go back to those sad little tins from the grocery store.
About the Author:
Written by: Ted Roberson - Discover Landscape Living, were you will learn how to improve and maintain your landscape and garden area with simple landscape and garden projects you can do around your home and garden to accent your outdoor living area. http://www.landscapeliving.com/
Monday, August 14, 2006
The Diderot Effect: Staying Simple In The City
Article Presented by:
Bruce Elkin
"Gratitude unlocks the fullness of life. It turns what we have into enough, and more." -- Melody Beattie
In an essay titled "On Parting with My Old Dressing Gown," French philosopher Denis Diderot described receiving a fancy velvet robe as a gift.
He loved his new robe, but, shortly, he noticed its magnificence made his study look threadbare. His desk, rug, and chairs looked shabby by comparison.
So, one by one, he replaced his furnishings with new ones that matched the robe's richness.
Later, surrounded by bright and modern furnishings, he regretted giving up the old robe. He resented the new one for "forcing everything else to conform with its own elegant tone."
In The Overspent American, Juliet Schor says consumer researchers call striving for such lifestyle conformity the "Diderot Effect."
Purchasing a new home leads to buying new furniture. A new jacket needs a new skirt or slacks to set it off. Moving to an upscale area prompts thoughts of a car upgrade.
Recently, I experienced my own encounter with the Diderot Effect. I moved to the city, and struggled to avoid an outburst consumerism.
For 14 years, I lived on Saltspring Island, a once green, back to the earth haven that is rapidly upscaling as retiring boomers try to purchase pieces of paradise.
I lived in a 50-year old, rented cottage that had seen hard use. Early on, I renovated my work/meeting area. I tore out rugs, painted the floor blue, the walls white, and trimmed with homemade pine baseboards. Then I hung colorful, framed prints and art posters.
With pine and white cotton Ikea furniture and rustic, woven wool rugs transplanted from my city home/office, the place looked nice.
But the rest of the house was shabby and threadbare. Dark paneling, dark rugs, and walls of an indeterminate color, darkening daily from an ever-growing coat of soot spewed out by an old wood stove the landlord would not let me replace, even if I paid for it.
As an ex-outdoor guy, used to living in tents and unfurnished cabins, I was fine with what I had. So long as I used low-watt fluorescents in the lamps, a little soot didn't bother me.
But, now, I'm in a bright, newly renovated apartment with brilliant white walls and sparkling just-refinished hardwood floors.
Although I have good rent in a small, sixties-type building, I'm smack in the middle of one of the toniest neighborhoods in town. Suddenly, almost everything I own seems shabby.
Like Diderot, I feel a gnawing pressure to bring my furnishings, my wardrobe, and myself in line with my upscale neighbors.
But, really, with one or two exceptions, everything I have is fine.
True, I should dry clean the jackets and slacks I wear to speak to groups, or work with organizations. It was "interesting" I smelled like wood smoke when I heated my house with wood. Now, it's just funky.
And, if I decorate carefully, refinish my coffee table, and spend a small fortune to clean my rustic rugs (done!), I can tone down my furniture's shabbiness, upgrade my wardrobe a bit, and make me and my place look good enough for company.
Still, there's that gnawing pressure. To buy a new coffee table. To replace my board, brick, and banker's box filing system with an Ikea system that reflects the sparkle in the floor.
But, I resist.
Even such small steps could land me on the consumer escalator. I could find myself trundling away on that hedonistic, work-and-spend treadmill where more is never enough.
Instead, I am practicing what I preach. I will create a rich, yet simple, successful, and sustainable lifestyle-using what I have.
Following the advice printed on WWII posters, I will, "Use it up. Wear it out. Make do. Or do without!"
The American Friends Service Committee's consumption criteria evoke the essence of rich yet simple sustainability I seek:
1. Does what I own or buy promote activity, self-reliance, and involvement, or does it induce passivity and dependence?
2. Are my consumption patterns basically satisfying, or do I buy much that serves no real need?
3. How tied are my present job and lifestyle to installment payments, maintenance and repair costs, and the expectations of others?
4. Do I consider the impact of my consumption patterns on other people and on the earth?
I will remind myself that thoughts such as "I'm not as good as those with nicer stuff," and "I NEED a new whatever," are just thoughts. They rise, I notice them, they pass. I do not have to act on them.
Even in the city, I can avoid the consumer ranks. I know I cannot buy a "real" simple life. I can make do with what I have, make inexpensive improvements, and, after considering the criteria above, if I can justify a purchase, I'll go ahead and buy it--and enjoy it.
I'll let the mastery and meaning of my life and self manifest in my actions--in doing and being--rather than merely in material things.
I will take Melody Beattie's advice when she says, "Gratitude unlocks the fullness of life. It turns what we have into enough, and more."
I will practice gratitude daily. Doing so, says Beattie, "can turn a meal into a feast, a house into a home, a stranger into a friend. Gratitude makes sense of our past, brings peace for today, and creates a vision for tomorrow."
I will appreciate what I have while I work to make my vision a reality-simply, successfully, and sustainably.
About the Author:
Bruce Elkin is a writer and personal life coach. He helps individuals and groups create what matters most-in spite of problems, circumstances and adversity. As well as a success coach, he wrote Simplicity and Success: Creating A Life You Long For. It and his ebook Emotional Mastery: Manage Your Moods and Create What Matters Most-With Whatever Life Gives You are available on his website at: http://www.BruceElkin.com. Visit his blog at http://createwhatmattersmost.blogspot.com/
Bruce Elkin
"Gratitude unlocks the fullness of life. It turns what we have into enough, and more." -- Melody Beattie
In an essay titled "On Parting with My Old Dressing Gown," French philosopher Denis Diderot described receiving a fancy velvet robe as a gift.
He loved his new robe, but, shortly, he noticed its magnificence made his study look threadbare. His desk, rug, and chairs looked shabby by comparison.
So, one by one, he replaced his furnishings with new ones that matched the robe's richness.
Later, surrounded by bright and modern furnishings, he regretted giving up the old robe. He resented the new one for "forcing everything else to conform with its own elegant tone."
In The Overspent American, Juliet Schor says consumer researchers call striving for such lifestyle conformity the "Diderot Effect."
Purchasing a new home leads to buying new furniture. A new jacket needs a new skirt or slacks to set it off. Moving to an upscale area prompts thoughts of a car upgrade.
Recently, I experienced my own encounter with the Diderot Effect. I moved to the city, and struggled to avoid an outburst consumerism.
For 14 years, I lived on Saltspring Island, a once green, back to the earth haven that is rapidly upscaling as retiring boomers try to purchase pieces of paradise.
I lived in a 50-year old, rented cottage that had seen hard use. Early on, I renovated my work/meeting area. I tore out rugs, painted the floor blue, the walls white, and trimmed with homemade pine baseboards. Then I hung colorful, framed prints and art posters.
With pine and white cotton Ikea furniture and rustic, woven wool rugs transplanted from my city home/office, the place looked nice.
But the rest of the house was shabby and threadbare. Dark paneling, dark rugs, and walls of an indeterminate color, darkening daily from an ever-growing coat of soot spewed out by an old wood stove the landlord would not let me replace, even if I paid for it.
As an ex-outdoor guy, used to living in tents and unfurnished cabins, I was fine with what I had. So long as I used low-watt fluorescents in the lamps, a little soot didn't bother me.
But, now, I'm in a bright, newly renovated apartment with brilliant white walls and sparkling just-refinished hardwood floors.
Although I have good rent in a small, sixties-type building, I'm smack in the middle of one of the toniest neighborhoods in town. Suddenly, almost everything I own seems shabby.
Like Diderot, I feel a gnawing pressure to bring my furnishings, my wardrobe, and myself in line with my upscale neighbors.
But, really, with one or two exceptions, everything I have is fine.
True, I should dry clean the jackets and slacks I wear to speak to groups, or work with organizations. It was "interesting" I smelled like wood smoke when I heated my house with wood. Now, it's just funky.
And, if I decorate carefully, refinish my coffee table, and spend a small fortune to clean my rustic rugs (done!), I can tone down my furniture's shabbiness, upgrade my wardrobe a bit, and make me and my place look good enough for company.
Still, there's that gnawing pressure. To buy a new coffee table. To replace my board, brick, and banker's box filing system with an Ikea system that reflects the sparkle in the floor.
But, I resist.
Even such small steps could land me on the consumer escalator. I could find myself trundling away on that hedonistic, work-and-spend treadmill where more is never enough.
Instead, I am practicing what I preach. I will create a rich, yet simple, successful, and sustainable lifestyle-using what I have.
Following the advice printed on WWII posters, I will, "Use it up. Wear it out. Make do. Or do without!"
The American Friends Service Committee's consumption criteria evoke the essence of rich yet simple sustainability I seek:
1. Does what I own or buy promote activity, self-reliance, and involvement, or does it induce passivity and dependence?
2. Are my consumption patterns basically satisfying, or do I buy much that serves no real need?
3. How tied are my present job and lifestyle to installment payments, maintenance and repair costs, and the expectations of others?
4. Do I consider the impact of my consumption patterns on other people and on the earth?
I will remind myself that thoughts such as "I'm not as good as those with nicer stuff," and "I NEED a new whatever," are just thoughts. They rise, I notice them, they pass. I do not have to act on them.
Even in the city, I can avoid the consumer ranks. I know I cannot buy a "real" simple life. I can make do with what I have, make inexpensive improvements, and, after considering the criteria above, if I can justify a purchase, I'll go ahead and buy it--and enjoy it.
I'll let the mastery and meaning of my life and self manifest in my actions--in doing and being--rather than merely in material things.
I will take Melody Beattie's advice when she says, "Gratitude unlocks the fullness of life. It turns what we have into enough, and more."
I will practice gratitude daily. Doing so, says Beattie, "can turn a meal into a feast, a house into a home, a stranger into a friend. Gratitude makes sense of our past, brings peace for today, and creates a vision for tomorrow."
I will appreciate what I have while I work to make my vision a reality-simply, successfully, and sustainably.
About the Author:
Bruce Elkin is a writer and personal life coach. He helps individuals and groups create what matters most-in spite of problems, circumstances and adversity. As well as a success coach, he wrote Simplicity and Success: Creating A Life You Long For. It and his ebook Emotional Mastery: Manage Your Moods and Create What Matters Most-With Whatever Life Gives You are available on his website at: http://www.BruceElkin.com. Visit his blog at http://createwhatmattersmost.blogspot.com/
Thursday, August 10, 2006
Unlikely Hiding Spots: Tips For Hiding Your Valuables In Plain Sight!
Article Presented by:
Todd Concklin
You just got back home and the front door is ajar. You slowly push it open and peer inside your living and dining rooms. To your horror the place is a mess. Drawers are pulled out of the china closet and your personal effects are thrown about - laid bare for the world to see. The couch cushions are thrown all over the floor and the dog is hiding under the kitchen table.
Once it hits you that you've been robbed you become afraid of who may be lurking inside. As you slowly make your way through the house with your broom in hand you breathe a sigh of relief when it becomes evident the burglar has left the scene before you got home.
You look around downstairs and are relieved to see that he didn't notice the emergency stash of five hundred bucks in $20 dollar bills you had hiding in your diversion safe in the pantry. You're not surprised though because who the heck would think to look in a jar of peanut butter for valuables? Actually it isn't really a jar of peanut butter but no one would know that.
Now you think to yourself you better hightail it up to the bedroom and see if he spotted the other 2 diversion safes you have up there. Let's see - you get to the wall outlet diversion safe and open it up. To your delight he didn't spot that one either. Good thing too since it has your $2,500 gold watch in there. Ok one last place to check. The laundry room. Did he find it? Ahhhh - nope here it is safe and sound. Your mother's wedding ring hiding snugly in a seemingly normal can of Scotch Guard.
Not only that, but the genius also neglected to notice that the can of Oxi-Clean was really a hidden camera which caught some nice vivid images of his smug face on video. The police were very impressed and happy to have that crucial piece of evidence. As a matter of fact the Sergeant who came to the call immediately recognized the thief as one of the regulars "downtown." The next stop after your house was to pick him up and get a confession after showing him the damming piece of video.
The Chicago Crime Commission states that a burglar spends an average of 8 minutes in the victims home. Put the odds in your favor...hide your valuables in plain sight. Diversion Safes are a unique home-security product.
Moral of the story: You can't always stop a thief from getting in but it is possible to outsmart him by keeping your valuables hidden in plain sight and maybe, just maybe, catch him on video for the police!
Diversion safes and hidden cameras are disguised as all sorts of normal everyday items that you'd (and more importantly a thief) would never suspect. There are beer and soda can safes, flowerpot safes, book safes, stone safes etc. etc. There are also hidden clock cameras, exit sign cameras, book cameras, smoke detector cameras, tissue box cameras, doll cameras etc.
You are only limited by your imagination.
About the Author:
Todd Concklin
Concklin Internet Affiliates
PO Box 605
Montgomery, NY 12549
Todd@safe-t-defense.com
More information on diversion safes: http://www.safe-t-defense.com/diversionsafes.htm
More information on hidden cameras: http://www.safe-t-cam.com/hidden-cameras.htm
Todd Concklin
You just got back home and the front door is ajar. You slowly push it open and peer inside your living and dining rooms. To your horror the place is a mess. Drawers are pulled out of the china closet and your personal effects are thrown about - laid bare for the world to see. The couch cushions are thrown all over the floor and the dog is hiding under the kitchen table.
Once it hits you that you've been robbed you become afraid of who may be lurking inside. As you slowly make your way through the house with your broom in hand you breathe a sigh of relief when it becomes evident the burglar has left the scene before you got home.
You look around downstairs and are relieved to see that he didn't notice the emergency stash of five hundred bucks in $20 dollar bills you had hiding in your diversion safe in the pantry. You're not surprised though because who the heck would think to look in a jar of peanut butter for valuables? Actually it isn't really a jar of peanut butter but no one would know that.
Now you think to yourself you better hightail it up to the bedroom and see if he spotted the other 2 diversion safes you have up there. Let's see - you get to the wall outlet diversion safe and open it up. To your delight he didn't spot that one either. Good thing too since it has your $2,500 gold watch in there. Ok one last place to check. The laundry room. Did he find it? Ahhhh - nope here it is safe and sound. Your mother's wedding ring hiding snugly in a seemingly normal can of Scotch Guard.
Not only that, but the genius also neglected to notice that the can of Oxi-Clean was really a hidden camera which caught some nice vivid images of his smug face on video. The police were very impressed and happy to have that crucial piece of evidence. As a matter of fact the Sergeant who came to the call immediately recognized the thief as one of the regulars "downtown." The next stop after your house was to pick him up and get a confession after showing him the damming piece of video.
The Chicago Crime Commission states that a burglar spends an average of 8 minutes in the victims home. Put the odds in your favor...hide your valuables in plain sight. Diversion Safes are a unique home-security product.
Moral of the story: You can't always stop a thief from getting in but it is possible to outsmart him by keeping your valuables hidden in plain sight and maybe, just maybe, catch him on video for the police!
Diversion safes and hidden cameras are disguised as all sorts of normal everyday items that you'd (and more importantly a thief) would never suspect. There are beer and soda can safes, flowerpot safes, book safes, stone safes etc. etc. There are also hidden clock cameras, exit sign cameras, book cameras, smoke detector cameras, tissue box cameras, doll cameras etc.
You are only limited by your imagination.
About the Author:
Todd Concklin
Concklin Internet Affiliates
PO Box 605
Montgomery, NY 12549
Todd@safe-t-defense.com
More information on diversion safes: http://www.safe-t-defense.com/diversionsafes.htm
More information on hidden cameras: http://www.safe-t-cam.com/hidden-cameras.htm
Credit Score Essentials
Article Presented by:
Accion USA Written by: Josh Pike
Baseball coaches won't make a player a designated hitter unless their batting average proves that they're able to hit the home run! Likewise, banks and credit card companies won't lend money to people unless there's proof that they'll repay the loan. Lenders look for that proof in your credit score, the "batting average" of your overall credit history.
What's in your credit score? It's much more than a number attached to your credit report. It's an important piece of financial information that lenders look at when deciding whether or not you are a worthy investment. You need to build the highest credit score possible to prove to banks and credit card companies that you'll repay the money they lend you well. Credit reports are scored on a scale between 350 and 850, and the closer your score is to a perfect 850, the higher likeliness your loan or credit request has of being approved!
Most credit scoring systems are calculated from all the different credit data in your credit report. This data is grouped into five categories:
Payment history. How well do you pay your bills on time?
Amount of debt. Do you owe lots of money on many accounts?
Length of credit history. How long have you had credit?
Types of credit. Do you have a healthy mix of credit (credit cards, installment loans, mortgage loans, etc)?
New credit. Are you taking on too much debt?
A credit score takes all these categories into consideration. No one piece of information or factor alone will determine your score, just as one hit alone doesn't determine a player's batting average. Remember that your credit score will change with credit report changes— if you stop paying a loan, your credit score will go down. Similarly, if you begin paying all of your bills on time, your score will increase, and you'll qualify for a loan that's the equivalent of a home run!
About the Author:
This article was written by Josh Pike at ACCION USA. ACCION USA provides business loans up to $25,000 to small business owners who need financing to expand their businesses: http://www.accionusa.org
Accion USA Written by: Josh Pike
Baseball coaches won't make a player a designated hitter unless their batting average proves that they're able to hit the home run! Likewise, banks and credit card companies won't lend money to people unless there's proof that they'll repay the loan. Lenders look for that proof in your credit score, the "batting average" of your overall credit history.
What's in your credit score? It's much more than a number attached to your credit report. It's an important piece of financial information that lenders look at when deciding whether or not you are a worthy investment. You need to build the highest credit score possible to prove to banks and credit card companies that you'll repay the money they lend you well. Credit reports are scored on a scale between 350 and 850, and the closer your score is to a perfect 850, the higher likeliness your loan or credit request has of being approved!
Most credit scoring systems are calculated from all the different credit data in your credit report. This data is grouped into five categories:
Payment history. How well do you pay your bills on time?
Amount of debt. Do you owe lots of money on many accounts?
Length of credit history. How long have you had credit?
Types of credit. Do you have a healthy mix of credit (credit cards, installment loans, mortgage loans, etc)?
New credit. Are you taking on too much debt?
A credit score takes all these categories into consideration. No one piece of information or factor alone will determine your score, just as one hit alone doesn't determine a player's batting average. Remember that your credit score will change with credit report changes— if you stop paying a loan, your credit score will go down. Similarly, if you begin paying all of your bills on time, your score will increase, and you'll qualify for a loan that's the equivalent of a home run!
About the Author:
This article was written by Josh Pike at ACCION USA. ACCION USA provides business loans up to $25,000 to small business owners who need financing to expand their businesses: http://www.accionusa.org
Tuesday, August 08, 2006
VoIP: Does It Really Save Money?
Article Presented by:
Vasrue.com, All Rights Reserved Written by: Peter Welch
As consumers, we're used to seeing prices go up. But rarely do we get to enjoy sizable price cuts, especially when it comes to basic utilities and necessities - like phone service. But using new technology, you really can save hundreds on long distance. In fact, you can talk as long as you want for one, low monthly fee. Here's how: VoIP, short for Voice over Internet Protocol, uses your existing broadband Internet connection, be that cable or DSL, for handset phone service.
A few years back, this technology was shoddy, at best. You could get free long distance calling, but you paid the price in hollow, garbled voices on the other end. So this technology never succeeded in capturing mainstream telecommunication customers. But today, companies like Vonage have tapped into this same technology, offering high-quality phone service at a fraction of the cost you would pay to the phone company.
Set-up and installation is easy for anyone familiar with basic Internet and computer functionality. You simply plug your Internet cord into a router box, much like hooking up cable TV. Then you connect the router box with your phone. You can use wireless telephones that network together, offering as many peripheral handsets as necessary, each requiring just an electrical plug. An average, unlimited plan covering long distance across the U.S., Canada and Mexico is just about $30 per month.
Other perks included the option to receive voicemail as an audio file via email, online archival of voicemail and historical call logs, the ability to transfer your existing phone number and the option to select any area code you desire, so family or friends can call you using their local area code and avoid long distance charges. Most VoIP providers also offer Caller ID.
But like all good things, there are downsides. VoIP services require electricity and an Internet connection. So should you lose power or Internet connectivity, you also lose phone service. Further, 911 Emergency registration is the user's responsibility - and optional. So its highly advisable to enter your correct street address to expedite and automate emergency service deployment.
Finally telecommunications technology has advanced, offering consumers steep discounts and much wanted freedom. Look into all of your options and balance the pros and cons to determine whether or not VoIP is right for you.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Peter Welch writes about Computers and the Internet. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
Vasrue.com, All Rights Reserved Written by: Peter Welch
As consumers, we're used to seeing prices go up. But rarely do we get to enjoy sizable price cuts, especially when it comes to basic utilities and necessities - like phone service. But using new technology, you really can save hundreds on long distance. In fact, you can talk as long as you want for one, low monthly fee. Here's how: VoIP, short for Voice over Internet Protocol, uses your existing broadband Internet connection, be that cable or DSL, for handset phone service.
A few years back, this technology was shoddy, at best. You could get free long distance calling, but you paid the price in hollow, garbled voices on the other end. So this technology never succeeded in capturing mainstream telecommunication customers. But today, companies like Vonage have tapped into this same technology, offering high-quality phone service at a fraction of the cost you would pay to the phone company.
Set-up and installation is easy for anyone familiar with basic Internet and computer functionality. You simply plug your Internet cord into a router box, much like hooking up cable TV. Then you connect the router box with your phone. You can use wireless telephones that network together, offering as many peripheral handsets as necessary, each requiring just an electrical plug. An average, unlimited plan covering long distance across the U.S., Canada and Mexico is just about $30 per month.
Other perks included the option to receive voicemail as an audio file via email, online archival of voicemail and historical call logs, the ability to transfer your existing phone number and the option to select any area code you desire, so family or friends can call you using their local area code and avoid long distance charges. Most VoIP providers also offer Caller ID.
But like all good things, there are downsides. VoIP services require electricity and an Internet connection. So should you lose power or Internet connectivity, you also lose phone service. Further, 911 Emergency registration is the user's responsibility - and optional. So its highly advisable to enter your correct street address to expedite and automate emergency service deployment.
Finally telecommunications technology has advanced, offering consumers steep discounts and much wanted freedom. Look into all of your options and balance the pros and cons to determine whether or not VoIP is right for you.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Peter Welch writes about Computers and the Internet. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
The Volkswagen Rabbit Springs Back Into Action After 22 Years
Article Presented by:
Vasrue.com, All Rights Reserved Written by: Adam Rooney
"Volkswagen customers want a relationship with their cars. Names like The Thing, Beetle, Fox, and Rabbit support this," states Kerri Martin, Volkswagen's Director of Brand Innovation, in a press release distributed in April, 2006. The company took enthusiasts at a New York auto show by surprise when it announced the re-branding and re-labeling of its fifth generation Golf model, just in time for Spring.
This move was a definite response to a long-time slump in U.S. Volkswagen sales, with 2005 marking a 12.5 percent drop while other auto imports gained tremendous ground. It's Rabbit sales have consistently reached targets, hitting 1.3 million between 1974 and 1985, when the company changed its nameplate to Golf.
Previous reintroductions have treated the company well, with their 1998 Beetle rebirth pushing model sales above 80,000 in just two years. Though sales returned to stable levels since, the company announced its convertible version in 2002, forging yet another sales spike.
Volkswagen began manufacturing the Rabbit with the new Golf II nameplate in 1985, followed by two successors, Golf III and Golf IV. Today's fifth generation Rabbit is available in the U.S. and Canadian markets only.
The Rabbit sells in two- or four-door versions, with the two-door starting at $14,990. Standard features include active front head restraints, ABS braking system, traction control, front-side airbags, air conditioning, anti-theft alarm and remote locking. The car also comes with 24-hour roadside assistance for four years and new vehicle warranties with unlimited mileage.
The 2006 Rabbit also offers reduced interior noise, improved body strength, driving dynamics and crash protection. A powerful new engine generates 150 horsepower with a larger displacement of 2.5 liters and five cylinders. This model is equipped with a standard electro-mechanical steering system.
Cosmetically, new laser-welding production processes ensure exceptional fit and finish. The body offers increased legroom, added interior space and a larger rear-hatch opening.
Martin does not view the Rabbit return as an attempt to recreate the original Rabbit, but instead offer enhanced performance, clever design, efficiency, agility and nimbleness, as the name implies.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Adam Rooney writes about Cars, Trucks and Automobiles. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
Vasrue.com, All Rights Reserved Written by: Adam Rooney
"Volkswagen customers want a relationship with their cars. Names like The Thing, Beetle, Fox, and Rabbit support this," states Kerri Martin, Volkswagen's Director of Brand Innovation, in a press release distributed in April, 2006. The company took enthusiasts at a New York auto show by surprise when it announced the re-branding and re-labeling of its fifth generation Golf model, just in time for Spring.
This move was a definite response to a long-time slump in U.S. Volkswagen sales, with 2005 marking a 12.5 percent drop while other auto imports gained tremendous ground. It's Rabbit sales have consistently reached targets, hitting 1.3 million between 1974 and 1985, when the company changed its nameplate to Golf.
Previous reintroductions have treated the company well, with their 1998 Beetle rebirth pushing model sales above 80,000 in just two years. Though sales returned to stable levels since, the company announced its convertible version in 2002, forging yet another sales spike.
Volkswagen began manufacturing the Rabbit with the new Golf II nameplate in 1985, followed by two successors, Golf III and Golf IV. Today's fifth generation Rabbit is available in the U.S. and Canadian markets only.
The Rabbit sells in two- or four-door versions, with the two-door starting at $14,990. Standard features include active front head restraints, ABS braking system, traction control, front-side airbags, air conditioning, anti-theft alarm and remote locking. The car also comes with 24-hour roadside assistance for four years and new vehicle warranties with unlimited mileage.
The 2006 Rabbit also offers reduced interior noise, improved body strength, driving dynamics and crash protection. A powerful new engine generates 150 horsepower with a larger displacement of 2.5 liters and five cylinders. This model is equipped with a standard electro-mechanical steering system.
Cosmetically, new laser-welding production processes ensure exceptional fit and finish. The body offers increased legroom, added interior space and a larger rear-hatch opening.
Martin does not view the Rabbit return as an attempt to recreate the original Rabbit, but instead offer enhanced performance, clever design, efficiency, agility and nimbleness, as the name implies.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Adam Rooney writes about Cars, Trucks and Automobiles. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
DRiP Investing: Helping Beginners Get a Foot in the Door
Article Presented by:
Vasrue.com, All Rights Reserved Written by: Robert Wade
Are you one of those nay-sayers who feels its simply impossible to save on the meager salary you bring home each month? Do you picture those with portfolios balanced in stocks and bonds as suits-draped Wall Street gurus glued to their Ameritrade account on a daily basis, trading and balancing risk each morning? Think again.
Investing can be easy on just $50 per month, and when you place your money in Blue-Chip stocks, or those well established and financially sound, you can earn a higher return than any bank or savings and loan can offer.
While day trading can be lucrative if you're a finance expert and know what you're doing, buy-and-hold investing is typically the safest and most passive investment method available for the general public. When you buy and hold, you purchase stock in a company for the long-run, or for more than five years. Once purchased, you can let the market fluctuate up and down without worrying about its impact on your stocks. After all, most Blue-Chip stocks go up in value at a predictable rate over the long haul.
One of the easiest ways to get into the stock market on a low budget is through DRiP investing, short for Dividend Reinvestment Program. Many DRiPs let you purchase shares directly from the company via an Optional Cash Purchase Plan or Stock Purchase Plan for as little as $50. You can opt for a one-time, periodic or ongoing investment, helping you slowly build up a high-return nest egg.
To start a DRiP, most of us need to make our first share purchase through a brokerage firm (i.e. Morgan Stanley/Dean Witter, Schwab, A.G. Edwards, etc.). Just give them a call and purchase one share in a company you've already researched and found to offer a DRiP and Optional Cash Purchase plan. It takes a few months to receive your first statement. When you get your statement in the mail, it should have instructions on establishing a one-time or ongoing transfer from your checking account for incremental shares. (If it doesn't just call the transfer agent.) Once established, you're well on your way to building a solid, cost-effective portfolio.
For more information on Dividend Reinvestment Plans or to research companies offering Optional Cash Purchase Plans, search Dividend Reinvestment Plan on www.wikipedia.org or your favorite search engine.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Robert Wade writes about Finance. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
Vasrue.com, All Rights Reserved Written by: Robert Wade
Are you one of those nay-sayers who feels its simply impossible to save on the meager salary you bring home each month? Do you picture those with portfolios balanced in stocks and bonds as suits-draped Wall Street gurus glued to their Ameritrade account on a daily basis, trading and balancing risk each morning? Think again.
Investing can be easy on just $50 per month, and when you place your money in Blue-Chip stocks, or those well established and financially sound, you can earn a higher return than any bank or savings and loan can offer.
While day trading can be lucrative if you're a finance expert and know what you're doing, buy-and-hold investing is typically the safest and most passive investment method available for the general public. When you buy and hold, you purchase stock in a company for the long-run, or for more than five years. Once purchased, you can let the market fluctuate up and down without worrying about its impact on your stocks. After all, most Blue-Chip stocks go up in value at a predictable rate over the long haul.
One of the easiest ways to get into the stock market on a low budget is through DRiP investing, short for Dividend Reinvestment Program. Many DRiPs let you purchase shares directly from the company via an Optional Cash Purchase Plan or Stock Purchase Plan for as little as $50. You can opt for a one-time, periodic or ongoing investment, helping you slowly build up a high-return nest egg.
To start a DRiP, most of us need to make our first share purchase through a brokerage firm (i.e. Morgan Stanley/Dean Witter, Schwab, A.G. Edwards, etc.). Just give them a call and purchase one share in a company you've already researched and found to offer a DRiP and Optional Cash Purchase plan. It takes a few months to receive your first statement. When you get your statement in the mail, it should have instructions on establishing a one-time or ongoing transfer from your checking account for incremental shares. (If it doesn't just call the transfer agent.) Once established, you're well on your way to building a solid, cost-effective portfolio.
For more information on Dividend Reinvestment Plans or to research companies offering Optional Cash Purchase Plans, search Dividend Reinvestment Plan on www.wikipedia.org or your favorite search engine.
About the Author:
Copyright (c) 2006 Vasrue.com. All Rights Reserved.
Robert Wade writes about Finance. For more great articles on this subject, come back to http://www.Vasrue.com. Articles are published weekly on Travel, Real-Estate, E-business, Credit and a host of other great topics.
In an effort to support other webmasters, http://www.Vasrue.com is offering each article through RSS feed free of charge. Now newspapers, ezines, magazines and independent websites can effortlessly integrate fresh, captivating content in no time. Each article is available for PDF download, RSS feed or browser printing.
Cheap Laptops For Cash-Strapped College Students
Article Presented by:
Titus Hoskins
How to Find Top Quality Student Laptops at Bargain Prices
Finding a cheap laptop for college is an easy task. Laptop prices have fallen steadily over the last couple of years as marketplace competition heats up and production costs come down. You can now get a laptop for under $400.
But you must proceed with caution - as that old expression on ancient maps stated: Here There Be Monsters!
For you just don't want any old cheap laptop; you want a high quality machine that will offer good performance and won't go kapoots half way through the semester. You want a laptop that can accomplish all those student assignments and easily handle all those MP3 and movie downloads. In other words, the laptop you buy must be able to get the job done.
You want a quality laptop that's relatively small and lightweight; yet sturdy and shock proof. You will need a laptop with a good comfortable keyboard for typing up all those assignments. You may have to purchase a tablet notebook if you need a laptop for a lot of note-taking in class.
If you're buying a used or refurbished laptop you should have it checked out by a Laptop Technician or if this is not practical, bring along a friend who knows computers or laptops - there's a computer geek in every crowd.
Finding a top quality laptop at a bargain price may take some work on your part so here are some suggestions to make your job easier:
Try Your Friends and Neighbors
First, check around with your friends, neighbors and colleagues - many may have good quality laptops to sell or even give you! Why? Many people constantly upgrade to the latest laptop technology - Intel and AMD have just introduced laptops with Duo or Dual Core processors and many laptop enthusiasts are dishing their old perfectly good laptops for the newer faster sexier models. (Why does that sound so familiar!)
So check around, you may be able to purchase a good second hand laptop for next to nothing. Or in exchange for work (lawn mowing, yard work...) or services (baby sitting, shopping...) offered over the summer.
Try Ebay
Perhaps, the cheapest high quality laptops can be found on eBay. But again, you must check out carefully both the product and the seller. Make sure you do your homework and thoroughly check out the laptops before you buy. Make sure you don't end up with a useless monster!
Try A Refurbished Laptop
You can save a bundle by buying a refurbished laptop directly from the major Laptop Manufacturers. These laptops offer very good quality at much cheaper prices. So check around for a refurbished laptop.
Try Online Bargain Stores Such as Buy.com
You may want to check out the many bargain online stores or super sites such as BestBuy.com, TigerDirect.com, Buy.com and the countless others. These stores may also offer refurbished laptops, but keep your eyes open for those monsters.
Try Amazon
Don't forget Amazon, they now sell new and used laptops at some very competitive prices. If you have any rich uncles or aunts (relatives) tell them you have an Amazon Wishlist - place a wish for a good laptop at the top. Hey, don't laugh - it happens!
Try Dell Coupons And Rebates
Recently, Dell, HP and a few other laptop makers have come out with $400 laptops after rebates or coupons. These are usually level entry laptops but may be perfectly fine for students.
Don't Forget To Haggle
If you're buying a laptop from a favorite vendor or store - always ask for a discount or bargain. Many times haggling will get you a better price or some nice upgrades with a few extras thrown in. No harm in trying.
And Keep Those Eyes Open
Purchasing a good quality cheap student laptop can be done if you try some of the places listed above. If you're on a very strict budget, most college students are, you can save a lot money by shopping around and using the advice given here. Just keep in mind, as you open your purse or wallet to buy that bargain student laptop, keep your eyes peeled for any monsters that may be lurking around.
About the Author:
For more information on Buying Notebooks and Laptops at Bargain Prices Click Here: Laptops for Students Or here: Cheap Laptops
Copyright © 2006 Titus Hoskins, http://www.bizwaremagic.com This article may be freely distributed if this resource box stays attached.
Titus Hoskins
How to Find Top Quality Student Laptops at Bargain Prices
Finding a cheap laptop for college is an easy task. Laptop prices have fallen steadily over the last couple of years as marketplace competition heats up and production costs come down. You can now get a laptop for under $400.
But you must proceed with caution - as that old expression on ancient maps stated: Here There Be Monsters!
For you just don't want any old cheap laptop; you want a high quality machine that will offer good performance and won't go kapoots half way through the semester. You want a laptop that can accomplish all those student assignments and easily handle all those MP3 and movie downloads. In other words, the laptop you buy must be able to get the job done.
You want a quality laptop that's relatively small and lightweight; yet sturdy and shock proof. You will need a laptop with a good comfortable keyboard for typing up all those assignments. You may have to purchase a tablet notebook if you need a laptop for a lot of note-taking in class.
If you're buying a used or refurbished laptop you should have it checked out by a Laptop Technician or if this is not practical, bring along a friend who knows computers or laptops - there's a computer geek in every crowd.
Finding a top quality laptop at a bargain price may take some work on your part so here are some suggestions to make your job easier:
Try Your Friends and Neighbors
First, check around with your friends, neighbors and colleagues - many may have good quality laptops to sell or even give you! Why? Many people constantly upgrade to the latest laptop technology - Intel and AMD have just introduced laptops with Duo or Dual Core processors and many laptop enthusiasts are dishing their old perfectly good laptops for the newer faster sexier models. (Why does that sound so familiar!)
So check around, you may be able to purchase a good second hand laptop for next to nothing. Or in exchange for work (lawn mowing, yard work...) or services (baby sitting, shopping...) offered over the summer.
Try Ebay
Perhaps, the cheapest high quality laptops can be found on eBay. But again, you must check out carefully both the product and the seller. Make sure you do your homework and thoroughly check out the laptops before you buy. Make sure you don't end up with a useless monster!
Try A Refurbished Laptop
You can save a bundle by buying a refurbished laptop directly from the major Laptop Manufacturers. These laptops offer very good quality at much cheaper prices. So check around for a refurbished laptop.
Try Online Bargain Stores Such as Buy.com
You may want to check out the many bargain online stores or super sites such as BestBuy.com, TigerDirect.com, Buy.com and the countless others. These stores may also offer refurbished laptops, but keep your eyes open for those monsters.
Try Amazon
Don't forget Amazon, they now sell new and used laptops at some very competitive prices. If you have any rich uncles or aunts (relatives) tell them you have an Amazon Wishlist - place a wish for a good laptop at the top. Hey, don't laugh - it happens!
Try Dell Coupons And Rebates
Recently, Dell, HP and a few other laptop makers have come out with $400 laptops after rebates or coupons. These are usually level entry laptops but may be perfectly fine for students.
Don't Forget To Haggle
If you're buying a laptop from a favorite vendor or store - always ask for a discount or bargain. Many times haggling will get you a better price or some nice upgrades with a few extras thrown in. No harm in trying.
And Keep Those Eyes Open
Purchasing a good quality cheap student laptop can be done if you try some of the places listed above. If you're on a very strict budget, most college students are, you can save a lot money by shopping around and using the advice given here. Just keep in mind, as you open your purse or wallet to buy that bargain student laptop, keep your eyes peeled for any monsters that may be lurking around.
About the Author:
For more information on Buying Notebooks and Laptops at Bargain Prices Click Here: Laptops for Students Or here: Cheap Laptops
Copyright © 2006 Titus Hoskins, http://www.bizwaremagic.com This article may be freely distributed if this resource box stays attached.
Convenience Can Kill Your Pocketbook
Article Presented by:
New Hampshire Concrete Cutting and Core Drilling, All Rights Reserved Written by: Robert Short
Have you ever noticed how convenient those giant office super stores are? I mean we all use them. They're on every corner out here in the suburbs of Boston. It's Officethis or Officethat or something like Paperclips, you know, all the major players. Well, I've recently realized that over the past 10 years of prosperity that my small business has been paying a huge premium for this convenience. In the past several months, as a result of the recent economic downturn in our local economy, I have been doing everything I can to plug the holes in our spending and trying to "trim the fat" so to speak. Fortunately this is something that myself, my competition and other local business owners are not familiar with. We have all prospered and have rarely, if ever, worried about money.
One evening I was shopping with my family at Wal-Mart loading up on family stuff and I couldn't help but notice that the same 100ct (or very similar) manila folders that I paid nearly $7.00 for several hours earlier at Officethat were available at Wal-Mart at an everyday low price of $1.77. Now, I never claimed to be a genius but a $5.00 difference on a product that I buy 5 boxes of a month is a $25.00 a month savings. That of course is $300 a year.
I quickly realized that I was on to something but I figured it was just a fluke. I had also bought a new water bubbler and a mini bar type refrigerator earlier and they both cost $149.00 each so I figured I would go and check out that aisle as well. I couldn't believe my eyes when I found a water bubbler/mini fridge combo for only $99.00. Of course I bought it on the spot and when I got back to my office the next morning I repackaged the fridge and water bubbler and back to Officethat they went with five boxes of manila folders and a few other overpriced items and I saved more than $225.00. Not too shabby. Just think that this was only one trip over the past ten years. How much could I have been saving the whole time?
When I try to mention this finding to people in my local business community I hear things like "who cares, it's all a write off anyway" or "you should buy American"(as if these office superstores are all loaded with American made products.) These are both some of the worst excuses for spending way too much money for no reason I have ever heard. It is all a write off but saving several hundred dollars a month on office products allows more flexibility in other areas of my business. As far as the old "Buy American" thing, this one makes me laugh; I would literally have to hire a full time employee to determine what is made here and what isn't. I usually just respond with something like "I'll buy everything American if you start buying American gasoline or start riding your bicycle." I am as American as the next person whose ancestors came over on the Mayflower but the bottom line is that when I am done with my office supply purchases now I have a lot of money left over.
Don't get me wrong, I still use the office superstores for certain items when I don't have time to go into a department store (they are convenient) and for one or two small items it is worth paying more. When I need to fill my supply cabinet, on the other hand, I will surely take a trip to Wal-mart, K-mart or even Target to save literally a bundle of cash. I simply don't care how neatly organized the office goliaths are because with a little more effort you can find everything you need for your office and a little more while saving hundreds of dollars at a department store.
About the Author:
(c) 2006 New Hampshire Concrete Cutting and Core Drilling, All Rights Reserved
Written by: Robert Short
New Hampshire Concrete Cutting and Core Drilling provides concrete cutting and core drilling services to the contractor and homeowner in New Hampshire or NH. Visit our website at http://www.affordableconcretecutting.net for more information on concrete cutting and core drilling.
New Hampshire Concrete Cutting and Core Drilling, All Rights Reserved Written by: Robert Short
Have you ever noticed how convenient those giant office super stores are? I mean we all use them. They're on every corner out here in the suburbs of Boston. It's Officethis or Officethat or something like Paperclips, you know, all the major players. Well, I've recently realized that over the past 10 years of prosperity that my small business has been paying a huge premium for this convenience. In the past several months, as a result of the recent economic downturn in our local economy, I have been doing everything I can to plug the holes in our spending and trying to "trim the fat" so to speak. Fortunately this is something that myself, my competition and other local business owners are not familiar with. We have all prospered and have rarely, if ever, worried about money.
One evening I was shopping with my family at Wal-Mart loading up on family stuff and I couldn't help but notice that the same 100ct (or very similar) manila folders that I paid nearly $7.00 for several hours earlier at Officethat were available at Wal-Mart at an everyday low price of $1.77. Now, I never claimed to be a genius but a $5.00 difference on a product that I buy 5 boxes of a month is a $25.00 a month savings. That of course is $300 a year.
I quickly realized that I was on to something but I figured it was just a fluke. I had also bought a new water bubbler and a mini bar type refrigerator earlier and they both cost $149.00 each so I figured I would go and check out that aisle as well. I couldn't believe my eyes when I found a water bubbler/mini fridge combo for only $99.00. Of course I bought it on the spot and when I got back to my office the next morning I repackaged the fridge and water bubbler and back to Officethat they went with five boxes of manila folders and a few other overpriced items and I saved more than $225.00. Not too shabby. Just think that this was only one trip over the past ten years. How much could I have been saving the whole time?
When I try to mention this finding to people in my local business community I hear things like "who cares, it's all a write off anyway" or "you should buy American"(as if these office superstores are all loaded with American made products.) These are both some of the worst excuses for spending way too much money for no reason I have ever heard. It is all a write off but saving several hundred dollars a month on office products allows more flexibility in other areas of my business. As far as the old "Buy American" thing, this one makes me laugh; I would literally have to hire a full time employee to determine what is made here and what isn't. I usually just respond with something like "I'll buy everything American if you start buying American gasoline or start riding your bicycle." I am as American as the next person whose ancestors came over on the Mayflower but the bottom line is that when I am done with my office supply purchases now I have a lot of money left over.
Don't get me wrong, I still use the office superstores for certain items when I don't have time to go into a department store (they are convenient) and for one or two small items it is worth paying more. When I need to fill my supply cabinet, on the other hand, I will surely take a trip to Wal-mart, K-mart or even Target to save literally a bundle of cash. I simply don't care how neatly organized the office goliaths are because with a little more effort you can find everything you need for your office and a little more while saving hundreds of dollars at a department store.
About the Author:
(c) 2006 New Hampshire Concrete Cutting and Core Drilling, All Rights Reserved
Written by: Robert Short
New Hampshire Concrete Cutting and Core Drilling provides concrete cutting and core drilling services to the contractor and homeowner in New Hampshire or NH. Visit our website at http://www.affordableconcretecutting.net for more information on concrete cutting and core drilling.
Friday, August 04, 2006
Credit: How to Get It, Build It, and Use It!
Article Presented by:
Accion USA Written by: Josh Pike
When Jorge Rojas applied for a cell phone, he hoped that the contract provider wouldn't check his credit history-not because it was bad, but because it didn't exist! Like many people, Jorge paid for most purchases with cash and did not have a formal credit history.
These days, it's not just banks that are interested in your credit-landlords, insurance companies, cell phone providers, and even employers want proof that you can handle credit responsibly. However, if you've never borrowed money from a bank or used a credit card, you do not have an established credit history, and this can make getting a loan extremely difficult. Establishing a personal credit history is essential to long-term financial success, especially if you're interested in starting a small business.
It takes time to establish credit and build a record of timely repayments, so start building your credit today! Diana Dezso, credit expert at ACCION, a small business lender, offers the following tips to establish credit for the first time:
1. Apply for an ACCION loan. ACCION provides small loans that help individuals without a credit history begin to build their credit. With a loan for as little as $500, you can begin to demonstrate your credit-worthiness, and borrow larger amounts in the future! Attend a workshop or contact ACCION at (212) 387-0494 for more information.
2. Apply for a secured loan or secured credit card. These loans and credit cards are guaranteed by your money, but still help you build credit! When you get the loan or credit card, it's essential to make the payments in full and on time.
3. Get a cosigner. Asking a friend or relative who has good credit to cosign, or share the responsibility for, a loan will make it easier for banks to lend you funds.
Patience is key throughout the credit-building process, says Dezso. It is much better to go slowly and develop strong credit than to apply for too many credit cards or a loan that is larger than you can handle. However, with good credit practices and a little bit of time, you'll have a credit history that you'll be proud to show anyone!
About the Author:
Article written by: Josh Pike. This article was provided by ACCION USA. ACCION USA provides business loans up to $25,000 to small business owners who need financing to expand their businesses. (http://www.accionusa.org)
Accion USA Written by: Josh Pike
When Jorge Rojas applied for a cell phone, he hoped that the contract provider wouldn't check his credit history-not because it was bad, but because it didn't exist! Like many people, Jorge paid for most purchases with cash and did not have a formal credit history.
These days, it's not just banks that are interested in your credit-landlords, insurance companies, cell phone providers, and even employers want proof that you can handle credit responsibly. However, if you've never borrowed money from a bank or used a credit card, you do not have an established credit history, and this can make getting a loan extremely difficult. Establishing a personal credit history is essential to long-term financial success, especially if you're interested in starting a small business.
It takes time to establish credit and build a record of timely repayments, so start building your credit today! Diana Dezso, credit expert at ACCION, a small business lender, offers the following tips to establish credit for the first time:
1. Apply for an ACCION loan. ACCION provides small loans that help individuals without a credit history begin to build their credit. With a loan for as little as $500, you can begin to demonstrate your credit-worthiness, and borrow larger amounts in the future! Attend a workshop or contact ACCION at (212) 387-0494 for more information.
2. Apply for a secured loan or secured credit card. These loans and credit cards are guaranteed by your money, but still help you build credit! When you get the loan or credit card, it's essential to make the payments in full and on time.
3. Get a cosigner. Asking a friend or relative who has good credit to cosign, or share the responsibility for, a loan will make it easier for banks to lend you funds.
Patience is key throughout the credit-building process, says Dezso. It is much better to go slowly and develop strong credit than to apply for too many credit cards or a loan that is larger than you can handle. However, with good credit practices and a little bit of time, you'll have a credit history that you'll be proud to show anyone!
About the Author:
Article written by: Josh Pike. This article was provided by ACCION USA. ACCION USA provides business loans up to $25,000 to small business owners who need financing to expand their businesses. (http://www.accionusa.org)
Thursday, August 03, 2006
How to Lay a Flagstone Walk in 8 Easy Steps
Article Presented by:
Julie Lohmeier
Years ago, we had a house that had flagstone flower bed border that was in disrepair. And we had ripped out an old broken walk from the curb to the front porch. We needed something, but concrete sidewalks aren't cheap. So we took the flagstone from the back and put it in the front for the walk. It wasn't hard and it was very inexpensive since we already had the stone. Two problems solved.
We liked it so much we had it done when we remodeled our current house.
Here's what you do:
1. Mark the walk boundary with spray paint. It helps to know exactly where you want it before you get started. Even if you have a landscaper do the work, this will communicate exactly where you want your walk and how you want it to be done.
2. Take up the sod - if you have it. Cut it around the edges with a shovel or spade. You may also be able to rent a sod cutter. Then gently dig under the sod to pull it up. You only need to go a few inches. Smooth the dirt with a metal garden (not leaf) rake.
3. Lay weed wrap. Weeds will inevitably grow between the cracks of your stone, but this at least buys you some time.
4. Lay the base of 2 inches of sand or crushed limestone. Limestone is better because it inhibits weed growth; sand is cheaper.
5. Compress the base. Use a lawn roller filled with concrete or water or rent a compacter. This is machine that has a large plate that compacts the base. (Wear ear protection and take some pain reliever - your arms and ears are due for a work out.)
6. Lay the stone. There's no precise way to do this other than to make the stone fit without leaving really large gaps. You will have some gaps, and that's fine. If you carefully arrange (and rearrange) your stones, you should not have to worry about cutting them. In fact, you want to avoid cutting the stones as that requires another rental and ruins the natural look. Firmly press the stones in the base so it's set.
7. Fill the gaps with sand or limestone. Sand is most common, but again, crushed limestone will inhibit weeds. Leave a layer of sand or lime over the stones. Water with a hose or sprinkler to let the sand/stone work into the gaps. Or just wait for gravity and rain to do the trick. Apply more as needed.
8. Install an edge if you want to clean up the boundary. You can simply use the black plastic edging available at any hardware or garden store. Or don't use any at all. The stone isn't going anywhere. You may also choose to do this between steps 2 and 3 above.
While shoveling a walk like this in the winter can be tricky, it offers a natural, warm, and friendly feel. If you don't have flagstone, use bricks or pavers. The process is the same.
About the Author:
Julie Lohmeier is the veteran of numerous home remodeling and building projects. From working hands on and doing much of the work herself to hiring contractors and construction managers, she has seen the entire spectrum of home improvement. She shares her remodeling tips, home decorating ideas, and other various rants at http://www.myhomeredux.com. Subscribe to her free newsletter at: http://myhomeredux.typepad.com/blog/2005/09/get_my_home_red_2.html
@copyright 2006, Julie Lohmeier, www.myhomeredux.com Use this report in its entirety with proper acknowledgement and copyright.
Julie Lohmeier
Years ago, we had a house that had flagstone flower bed border that was in disrepair. And we had ripped out an old broken walk from the curb to the front porch. We needed something, but concrete sidewalks aren't cheap. So we took the flagstone from the back and put it in the front for the walk. It wasn't hard and it was very inexpensive since we already had the stone. Two problems solved.
We liked it so much we had it done when we remodeled our current house.
Here's what you do:
1. Mark the walk boundary with spray paint. It helps to know exactly where you want it before you get started. Even if you have a landscaper do the work, this will communicate exactly where you want your walk and how you want it to be done.
2. Take up the sod - if you have it. Cut it around the edges with a shovel or spade. You may also be able to rent a sod cutter. Then gently dig under the sod to pull it up. You only need to go a few inches. Smooth the dirt with a metal garden (not leaf) rake.
3. Lay weed wrap. Weeds will inevitably grow between the cracks of your stone, but this at least buys you some time.
4. Lay the base of 2 inches of sand or crushed limestone. Limestone is better because it inhibits weed growth; sand is cheaper.
5. Compress the base. Use a lawn roller filled with concrete or water or rent a compacter. This is machine that has a large plate that compacts the base. (Wear ear protection and take some pain reliever - your arms and ears are due for a work out.)
6. Lay the stone. There's no precise way to do this other than to make the stone fit without leaving really large gaps. You will have some gaps, and that's fine. If you carefully arrange (and rearrange) your stones, you should not have to worry about cutting them. In fact, you want to avoid cutting the stones as that requires another rental and ruins the natural look. Firmly press the stones in the base so it's set.
7. Fill the gaps with sand or limestone. Sand is most common, but again, crushed limestone will inhibit weeds. Leave a layer of sand or lime over the stones. Water with a hose or sprinkler to let the sand/stone work into the gaps. Or just wait for gravity and rain to do the trick. Apply more as needed.
8. Install an edge if you want to clean up the boundary. You can simply use the black plastic edging available at any hardware or garden store. Or don't use any at all. The stone isn't going anywhere. You may also choose to do this between steps 2 and 3 above.
While shoveling a walk like this in the winter can be tricky, it offers a natural, warm, and friendly feel. If you don't have flagstone, use bricks or pavers. The process is the same.
About the Author:
Julie Lohmeier is the veteran of numerous home remodeling and building projects. From working hands on and doing much of the work herself to hiring contractors and construction managers, she has seen the entire spectrum of home improvement. She shares her remodeling tips, home decorating ideas, and other various rants at http://www.myhomeredux.com. Subscribe to her free newsletter at: http://myhomeredux.typepad.com/blog/2005/09/get_my_home_red_2.html
@copyright 2006, Julie Lohmeier, www.myhomeredux.com Use this report in its entirety with proper acknowledgement and copyright.
Tuesday, August 01, 2006
9 Questions To Answer Before You Prepay Your Home Mortgage
Article Presented by:
Frank Oakerson, All Rights Reserved
We are all different. At different times in our lives we have different goals and needs. You can ask different experts in financial planning, Texas mortgage brokers, and your banker "should I prepay on my home mortgage?" and you will get answers from "that is the greatest idea" to "that will be the worst financial mistake you will ever make". So what is a person to do? Let us look at 9 things you need to consider and have answered before you "prepay your home mortgage".
1. Do you have enough cash liquidity?
Never leave yourself cash poor. To pay down your mortgage early is very noble, but not currently beneficial if you have not prepared yourself first. The consensus among financial planners is one needs 3 preferably 6 + months of cash liquidity (funds one can turn to cash within approximately 48 hours). This is availability of cash in the event of unknown events occurring.
The roof needs repairing and insurance will not cover it (not storm damage). One loses their job and it takes 6 months to a year to find comparable employment again. A major medical emergency occurs and your medical policy does not cover all the expenses - this is becoming much more widespread than it used to be. These are just examples of life and there are many more to list. The point is you need the cash to carry you through. I want you to avoid the other side of adequate cash liquidity and that is using your high interest credit cards to bail you out of an emergency.
2. Have you seriously thought about the emotional and other non - financial benefits?
I realize that you thought that paying off your Texas mortgage early was just a financial decision, but it can have non - financial benefits. Will you receive any emotional relief from having "less debt" or "paying off your debt sooner"?
Will this provide more time and money with loved ones because your house is paid for? Where would you prefer that money to go?
3. Does your home mortgage have a prepayment penalty?
If you have been following my advice you would not have taken a Texas mortgage with a prepayment penalty. However, if your mortgage loan has prepayment penalties it could erase most or all of your anticipated interest savings from paying off your mortgage early. Now some ARM's have prepayment penalties for the first couple of years. Are you past that time frame with your mortgage? When in doubt contact your lender for the facts on your loan.
4. Have you adequately funded your retirement programs?
Before you take your extra cash each month and begin paying down your Texas mortgage have you maxed out your contributions to your retirement accounts? If you are employed you have access to your 401(k) and 403(b) accounts. If you are self employed you have access to your Keogh or similar plans. Either way (employed or self employed) your contributions are tax deductible, usually at both the state and federal level.
If you make additional payments on your mortgage these are not tax deductible - because you are prepaying principle not interest. So an extra $100 - 500 per month to your retirement accounts will do you much more benefit until the accounts are maxed out in your contribution than one could ever gain in prepaying their mortgage. The presupposition here is that you do not have your retirement accounts invested in CD's or money market funds whose rate of returns is less than the interest rate of your Texas mortgage you are seeking to pay off.
5. Are you an aggressive or a conservative investor today?
A conservative investor is comfortable with returns of less than 8% because stability and safety are of utmost importance. So to pay off a Texas mortgage with 8% interest would be a very safe use of extra funds.
An aggressive investor is seeking a return above 10% or often above 15% who is willing to take a few risks to achieve a higher rate of return on their investments. Now to pay off a mortgage of 8% interest may not be a wise use of funds. Read the next two sections to get a better answer.
6. Yes you can save a lot of money by prepaying on your home mortgage.
Let me illustrate with some numbers, yes I have done the math for you. First I will have a $250,000 loan at 8% interest. In 30 years I will pay the lender $660,388 total for the $250,000 loan or an additional $410,388 in interest. Ouch!
Now I will make an additional payment each month of $300 to be applied to the principle of the loan. I will make a total payment $487,626 for the $250,000 loan and have paid the lender $237,633 in interest. This will pay off my home in 19 years instead of 30 and will save me $172,755 in interest. (It would take 48 years at $300 a month for me to accumulate the same $172,755.)
What if I did a little better, say $500 a month to be applied to the principle of the loan? I would make a total payment of $439,720 for the $250,000 loan and have paid the lender $189,726 in interest. This will pay off my home in 16 years instead of 30 and will save me $220,662 in interest. (It would take almost 37 years at $500 a month for me to accumulate the same $220,662.)
7. What would you be able to make if you invested those same dollars?
Over the past 200 years the stock market has produced an annual rate of return of close to 10%. So for an apple-to-apple comparison with compound interest applied once per year and starting with a zero balance let us look at what we could do.
Let us take the same $300/month invested at 10% compounded annually for 19 years that would generate a sum of $202,590.
Now let us take the same $500/month invested at 10% compounded annually for 16 years would generate a sum of $237,268.
The decision is your. Please contact your Certified Financial Planner for their professional input.
8. What is the tax impact of my home mortgage interest (the law has changed)?
If you have been following me someone is going to say "but Frank you have not presented all the facts!" Correct. We get to deduct the interest we pay on our mortgage loans. For many taxpayers approximately 1/3 of the total interest cost of a mortgage loan is erased by the tax reduction in writing off the mortgage loan interest on their federal and state income tax returns.
For 2005 returns the standard deductions are:
$5,000 for single filers or married couples filing separately (up from $4,850 in 2004);
$7,300 for head of household filers (up from $7,150 in 2004); and
$10,000 for married couples filing jointly (up from $9,700 in 2004).
If your mortgage interest does not exceed these amounts you will receive no benefit in claiming your mortgage interest paid for that year. Please see your CPA for professional advice.
9. Should I refinance instead of prepaying on my home mortgage?
Contact your Texas mortgage broker to see if refinancing at today's rates with your current credit rating might give you a better mortgage at lower payments. This would save you money monthly giving you more to invest in your future.
You can find the articles I write on http://groups.yahoo.com/group/Free-Reprint-Articles as they become available.
About the Author:
Frank Oakerson is a licensed loan officer #56753 in the state of Texas. I am available to assist you in purchasing your first home, bad credit mortgage, FHA Loan, VA Loan, you name it. At YourMortgage123.com you will find a number of informative articles, mortgage calculators, info on VA loans, mortgage refinancing, stop my foreclosure, and getting pre-approved. Stop by and let me get started on a Texas mortgage for your property today. I have all of the information and tools you need to make your home buying dreams a reality. http://www.yourmortgage123.com
Frank Oakerson, All Rights Reserved
We are all different. At different times in our lives we have different goals and needs. You can ask different experts in financial planning, Texas mortgage brokers, and your banker "should I prepay on my home mortgage?" and you will get answers from "that is the greatest idea" to "that will be the worst financial mistake you will ever make". So what is a person to do? Let us look at 9 things you need to consider and have answered before you "prepay your home mortgage".
1. Do you have enough cash liquidity?
Never leave yourself cash poor. To pay down your mortgage early is very noble, but not currently beneficial if you have not prepared yourself first. The consensus among financial planners is one needs 3 preferably 6 + months of cash liquidity (funds one can turn to cash within approximately 48 hours). This is availability of cash in the event of unknown events occurring.
The roof needs repairing and insurance will not cover it (not storm damage). One loses their job and it takes 6 months to a year to find comparable employment again. A major medical emergency occurs and your medical policy does not cover all the expenses - this is becoming much more widespread than it used to be. These are just examples of life and there are many more to list. The point is you need the cash to carry you through. I want you to avoid the other side of adequate cash liquidity and that is using your high interest credit cards to bail you out of an emergency.
2. Have you seriously thought about the emotional and other non - financial benefits?
I realize that you thought that paying off your Texas mortgage early was just a financial decision, but it can have non - financial benefits. Will you receive any emotional relief from having "less debt" or "paying off your debt sooner"?
Will this provide more time and money with loved ones because your house is paid for? Where would you prefer that money to go?
3. Does your home mortgage have a prepayment penalty?
If you have been following my advice you would not have taken a Texas mortgage with a prepayment penalty. However, if your mortgage loan has prepayment penalties it could erase most or all of your anticipated interest savings from paying off your mortgage early. Now some ARM's have prepayment penalties for the first couple of years. Are you past that time frame with your mortgage? When in doubt contact your lender for the facts on your loan.
4. Have you adequately funded your retirement programs?
Before you take your extra cash each month and begin paying down your Texas mortgage have you maxed out your contributions to your retirement accounts? If you are employed you have access to your 401(k) and 403(b) accounts. If you are self employed you have access to your Keogh or similar plans. Either way (employed or self employed) your contributions are tax deductible, usually at both the state and federal level.
If you make additional payments on your mortgage these are not tax deductible - because you are prepaying principle not interest. So an extra $100 - 500 per month to your retirement accounts will do you much more benefit until the accounts are maxed out in your contribution than one could ever gain in prepaying their mortgage. The presupposition here is that you do not have your retirement accounts invested in CD's or money market funds whose rate of returns is less than the interest rate of your Texas mortgage you are seeking to pay off.
5. Are you an aggressive or a conservative investor today?
A conservative investor is comfortable with returns of less than 8% because stability and safety are of utmost importance. So to pay off a Texas mortgage with 8% interest would be a very safe use of extra funds.
An aggressive investor is seeking a return above 10% or often above 15% who is willing to take a few risks to achieve a higher rate of return on their investments. Now to pay off a mortgage of 8% interest may not be a wise use of funds. Read the next two sections to get a better answer.
6. Yes you can save a lot of money by prepaying on your home mortgage.
Let me illustrate with some numbers, yes I have done the math for you. First I will have a $250,000 loan at 8% interest. In 30 years I will pay the lender $660,388 total for the $250,000 loan or an additional $410,388 in interest. Ouch!
Now I will make an additional payment each month of $300 to be applied to the principle of the loan. I will make a total payment $487,626 for the $250,000 loan and have paid the lender $237,633 in interest. This will pay off my home in 19 years instead of 30 and will save me $172,755 in interest. (It would take 48 years at $300 a month for me to accumulate the same $172,755.)
What if I did a little better, say $500 a month to be applied to the principle of the loan? I would make a total payment of $439,720 for the $250,000 loan and have paid the lender $189,726 in interest. This will pay off my home in 16 years instead of 30 and will save me $220,662 in interest. (It would take almost 37 years at $500 a month for me to accumulate the same $220,662.)
7. What would you be able to make if you invested those same dollars?
Over the past 200 years the stock market has produced an annual rate of return of close to 10%. So for an apple-to-apple comparison with compound interest applied once per year and starting with a zero balance let us look at what we could do.
Let us take the same $300/month invested at 10% compounded annually for 19 years that would generate a sum of $202,590.
Now let us take the same $500/month invested at 10% compounded annually for 16 years would generate a sum of $237,268.
The decision is your. Please contact your Certified Financial Planner for their professional input.
8. What is the tax impact of my home mortgage interest (the law has changed)?
If you have been following me someone is going to say "but Frank you have not presented all the facts!" Correct. We get to deduct the interest we pay on our mortgage loans. For many taxpayers approximately 1/3 of the total interest cost of a mortgage loan is erased by the tax reduction in writing off the mortgage loan interest on their federal and state income tax returns.
For 2005 returns the standard deductions are:
If your mortgage interest does not exceed these amounts you will receive no benefit in claiming your mortgage interest paid for that year. Please see your CPA for professional advice.
9. Should I refinance instead of prepaying on my home mortgage?
Contact your Texas mortgage broker to see if refinancing at today's rates with your current credit rating might give you a better mortgage at lower payments. This would save you money monthly giving you more to invest in your future.
You can find the articles I write on http://groups.yahoo.com/group/Free-Reprint-Articles as they become available.
About the Author:
Frank Oakerson is a licensed loan officer #56753 in the state of Texas. I am available to assist you in purchasing your first home, bad credit mortgage, FHA Loan, VA Loan, you name it. At YourMortgage123.com you will find a number of informative articles, mortgage calculators, info on VA loans, mortgage refinancing, stop my foreclosure, and getting pre-approved. Stop by and let me get started on a Texas mortgage for your property today. I have all of the information and tools you need to make your home buying dreams a reality. http://www.yourmortgage123.com
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