Healthy Money Saving Tips
Article written by Sherin Dev; Follow me in Twitter or be a fan in Facebook
Here
is a list of money saving tips. These tips are not only to save lots of
money, but one who follow and practice these tips could live long with
better health to body and mind. There are lots of such tips available in
the net on the subject but most of the time it scattered to here there.
This is a project to make all those tips to come under single umbrella
for easy reference and practice.
If you have any questions or queries or even suggestions with more tips, most welcome to do so. Do it right away by adding a comment into this article or send to me directly. I would appreciate your ideas and queries to the maximum extend.
Here is the 'Healthy Money Saving Tips' for all Money Hacker readers. Health is our Wealth. It is sweet, if related to save lots of money. Take a look:
1. Quit smoking – Smoking is of course, a bad habit. Quitting of the same would help you to save lots and lots of money which starts from the very beginning day. One could be able to immediately realize the stream of such savings from the very next moment of reducing the quantity for some days. If not interested to quit smoking, switch it to little cigars that cost less. Don’t contribute tobacco to the nature from where millions of children taking breathe. Do you agree with this?
Here
is a list of money saving tips. These tips are not only to save lots of
money, but one who follow and practice these tips could live long with
better health to body and mind. There are lots of such tips available in
the net on the subject but most of the time it scattered to here there.
This is a project to make all those tips to come under single umbrella
for easy reference and practice.If you have any questions or queries or even suggestions with more tips, most welcome to do so. Do it right away by adding a comment into this article or send to me directly. I would appreciate your ideas and queries to the maximum extend.
Here is the 'Healthy Money Saving Tips' for all Money Hacker readers. Health is our Wealth. It is sweet, if related to save lots of money. Take a look:
1. Quit smoking – Smoking is of course, a bad habit. Quitting of the same would help you to save lots and lots of money which starts from the very beginning day. One could be able to immediately realize the stream of such savings from the very next moment of reducing the quantity for some days. If not interested to quit smoking, switch it to little cigars that cost less. Don’t contribute tobacco to the nature from where millions of children taking breathe. Do you agree with this?
Why to Create and Maintain an Investment File
Article written by Sherin Dev; Follow me in Twitter or Facebook
If
you play close attention to the article title, it is little difficult
to guess immediately about what I meant with that title. You may now
thinking or have multiple questions in mind such as what really an
investment file is?, what is the reason and use of creating and
maintaining such files? How would it help to take successful investment
decisions and many more.. Hmmm... this article would be an exact place
to clear off all those doubts and at the end of reading this article,
you will start creating your own investment file and maintain it to take
successful investment decisions.
Before moving to the top and root of an investment file, one should need to know the reason of having such file. Value investing approach is always works in a "wait and see" mode. This means, an investor wait with all necessary information that supports investment in a business to seem whenever the right time approaches to invest in that company to the maximum. First step of value investing is the creation of a list of possible investment candidates. This list would later narrow down to get the best and perfect candidates to invest as final. Such list always created based on the product and service penetration to the market, management efficiency, return possibilities. This is required lots of efforts. Once made such final list of good business or companies, the real work of a value investor starts from that point. Here is the real requirement of having a proper investment file starts.
So, what is an investment file?
If
you play close attention to the article title, it is little difficult
to guess immediately about what I meant with that title. You may now
thinking or have multiple questions in mind such as what really an
investment file is?, what is the reason and use of creating and
maintaining such files? How would it help to take successful investment
decisions and many more.. Hmmm... this article would be an exact place
to clear off all those doubts and at the end of reading this article,
you will start creating your own investment file and maintain it to take
successful investment decisions.Before moving to the top and root of an investment file, one should need to know the reason of having such file. Value investing approach is always works in a "wait and see" mode. This means, an investor wait with all necessary information that supports investment in a business to seem whenever the right time approaches to invest in that company to the maximum. First step of value investing is the creation of a list of possible investment candidates. This list would later narrow down to get the best and perfect candidates to invest as final. Such list always created based on the product and service penetration to the market, management efficiency, return possibilities. This is required lots of efforts. Once made such final list of good business or companies, the real work of a value investor starts from that point. Here is the real requirement of having a proper investment file starts.
So, what is an investment file?
Flipping Houses: A Hit or Miss Investment?
Editor's Note: This is a Guest Article from Kathleen Macky
If
you listen to media pundits, it seems like flipping houses is always
either on the rise or on the decline. The truth is, a savvy buyer with a
smart plan can pretty much ensure turnaround over time. Although the
lending crisis and a weak economy has certainly put a crunch on the
buying and selling of homes, a person with a little time and money on
their hands still stands to make some profit through flipping.
First and foremost, you need to understand how flipping works. It generally includes buying a house, fixing it up quickly, and reselling as soon as possible (ideally before the first mortgage payment is due) for a profit. Most people who are just starting out should either have some handyman skills (laying flooring, installing cabinets and counter tops, or even painting and swapping out lighting fixtures), have some friends willing to work for cheap, or know some reliable and cost-effective contractors. Over time, you’ll be able to pay to pass the labor on to someone else, but you should plan to be heavily involved in the upgrading process, at least in the beginning.
That said, you may be a bit worried about investing in what appears to be a fairly risky venture…as well you should be. Yes, this is a buyer’s market. You can currently find pretty outrageous deals on decent homes in nice areas.
If
you listen to media pundits, it seems like flipping houses is always
either on the rise or on the decline. The truth is, a savvy buyer with a
smart plan can pretty much ensure turnaround over time. Although the
lending crisis and a weak economy has certainly put a crunch on the
buying and selling of homes, a person with a little time and money on
their hands still stands to make some profit through flipping.First and foremost, you need to understand how flipping works. It generally includes buying a house, fixing it up quickly, and reselling as soon as possible (ideally before the first mortgage payment is due) for a profit. Most people who are just starting out should either have some handyman skills (laying flooring, installing cabinets and counter tops, or even painting and swapping out lighting fixtures), have some friends willing to work for cheap, or know some reliable and cost-effective contractors. Over time, you’ll be able to pay to pass the labor on to someone else, but you should plan to be heavily involved in the upgrading process, at least in the beginning.
That said, you may be a bit worried about investing in what appears to be a fairly risky venture…as well you should be. Yes, this is a buyer’s market. You can currently find pretty outrageous deals on decent homes in nice areas.
Appreciation to Readers and Commentators - A Journey through Commentators Blog and Sites
Editor's note: This appreciation link post prepared and edited by Sherin Dev. follow me in Twitter or Facebook. Not yet subscribed? Go for Email or RSS now!
It's
again the time to turn back to my readers, especially commentators.
They have done a great job to make my blog more popular and resourceful.
To appreciate them time to time, I have made a list of my commentators
and kept in a special folder to visit their blogs timely and feature
their blog and articles with Money Hacker. I can’t ensure I have added
the sites of all commentators in this link post, but I can promise I
went through all the comments and commentators blogs. Once if you found
your site missed accidentally in this list, please ensure you have
informed me.
Any site, if not added in this list may inappropriate to do so or it may be a dead blog without any updates for long time. Also, site or blog that I have felt the writer does not have any passion or seriousness, also excluded. Once if you found again there are any mistakes from my side that not included your blog, please inform me directly.
It's
again the time to turn back to my readers, especially commentators.
They have done a great job to make my blog more popular and resourceful.
To appreciate them time to time, I have made a list of my commentators
and kept in a special folder to visit their blogs timely and feature
their blog and articles with Money Hacker. I can’t ensure I have added
the sites of all commentators in this link post, but I can promise I
went through all the comments and commentators blogs. Once if you found
your site missed accidentally in this list, please ensure you have
informed me.Any site, if not added in this list may inappropriate to do so or it may be a dead blog without any updates for long time. Also, site or blog that I have felt the writer does not have any passion or seriousness, also excluded. Once if you found again there are any mistakes from my side that not included your blog, please inform me directly.
Once a gain, If you have forgot to add a comment in my blog, do the same now itself! This action reserves your seat with forthcoming link articles! Why to avoid the chances of free appreciation from this famous PR4 ranked business, finance and investment blog? My next list post would feature the websites and blogs of all guest writers and if you want to get listed in that group, write a unique guest article and send to me without further delay.Here is the name and link to the blogs of fantastic commentators Have a look:
How to Sell Your Delisted Company Stocks
Article by Sherin Dev; Follow me in Twitter or Facebook
While searching in the net today, I have found number of people asking same question, 'what they want to do to sell their delisted company shares'.
Some insights in this subject would be excellent, at least my readers,
to understand about what they want to do if such situations arises to
them. Here is a short article for all those want to know about this.
Before coming to the main subject, I took sufficient time to identify why such problem happens to some investors. How they reach to such position by having delisted shares in hand to worry on what to do next. Finally, I found the answer that the real problem is not with any delisting or delisted companies, but it is with the investors only!
There is a common belief among investors that, long term investments only meant investing in good stocks at right time and then forget it. Yes, you can buy good stocks and forget those investments for long term with an intention to generate wealth. I too agree. Even I have learned the same from the practice of great investors. But, If someone follow this advice straight by not fully understand the real inner meanings; they would certainly face troubles in future like having delisted shares.
While searching in the net today, I have found number of people asking same question, 'what they want to do to sell their delisted company shares'.
Some insights in this subject would be excellent, at least my readers,
to understand about what they want to do if such situations arises to
them. Here is a short article for all those want to know about this.Before coming to the main subject, I took sufficient time to identify why such problem happens to some investors. How they reach to such position by having delisted shares in hand to worry on what to do next. Finally, I found the answer that the real problem is not with any delisting or delisted companies, but it is with the investors only!
There is a common belief among investors that, long term investments only meant investing in good stocks at right time and then forget it. Yes, you can buy good stocks and forget those investments for long term with an intention to generate wealth. I too agree. Even I have learned the same from the practice of great investors. But, If someone follow this advice straight by not fully understand the real inner meanings; they would certainly face troubles in future like having delisted shares.
What is a Payday Loan - Here is the All About
Editor's note: This is a guest post by Jessica Moser
A
payday loan, sometimes referred to as a cash advance or payday
advance, is a short-term small principal loan borrowed against the
recipient's next pay cheque. Typically these loans range between £50 and
£1500 and can be applied for online, usually without anything to fax or
extra paperwork to fill out. Payday loans can be deposited directly
into the borrower's bank account, sometimes as soon as the same day as
the application. On the borrower's next payday , the loan principal
and finance charge is withdrawn from their bank account and the
transaction is complete. Some payday loan companies offer extensions on
their loans, allowing customers more time to pay back the loan for an
additional finance charge.
Payday loans are used for emergency expenses and immediate money needs like car repairs, overdue bills and groceries. They can be a quick and convenient way to bridge the gap between paydays and are typically less expensive than unauthorized bank overdraft fees.
Payday loans borrowers typically do not need perfect credit in order to apply. They need to be at least 18 years old, have an active bank account, be currently employed and receive a regular pay cheque. Borrowers of payday loans can even improve their credit score by repaying their payday loans on time.
A
payday loan, sometimes referred to as a cash advance or payday
advance, is a short-term small principal loan borrowed against the
recipient's next pay cheque. Typically these loans range between £50 and
£1500 and can be applied for online, usually without anything to fax or
extra paperwork to fill out. Payday loans can be deposited directly
into the borrower's bank account, sometimes as soon as the same day as
the application. On the borrower's next payday , the loan principal
and finance charge is withdrawn from their bank account and the
transaction is complete. Some payday loan companies offer extensions on
their loans, allowing customers more time to pay back the loan for an
additional finance charge.Payday loans are used for emergency expenses and immediate money needs like car repairs, overdue bills and groceries. They can be a quick and convenient way to bridge the gap between paydays and are typically less expensive than unauthorized bank overdraft fees.
Payday loans borrowers typically do not need perfect credit in order to apply. They need to be at least 18 years old, have an active bank account, be currently employed and receive a regular pay cheque. Borrowers of payday loans can even improve their credit score by repaying their payday loans on time.
Mini Financial Plan for Standard Families
Article written by Sherin Dev; Follow me in Twitter or be a fan in Facebook
Every
family, whether rich or ordinary, requires a financial plan. No doubts.
There are lots of false assumptions, myths and ignorance in this area.
Most of the people wrongly believe that, financial planning is only
practicable and desirable for families with high earnings. They believe
those families with sizable income can only spare enough funds to create
financial planning through investing lot in various investment
products. Most of them wrongly believe that, financial planning means
only investing and which required high earnings. Ignorance to the real
meaning of what a financial plan is, the major culprit to drag back most
of the families from creating one to secure their entire family and
prevent spending, savings or relying on debts.
I too agree that, one step or area in financial planning process is, investing. Yes, it requires considerable amount of money to invest in various instruments regularly to build wealth for long term. But, what would happen if a family have one bread winner and lead very standard life which means their income is sufficient only for each month’s expenses? Here is the importance of thinking about a financial plan that suitable for such families to all the means. This article tells you how to create a 'mini financial plan' that works best for standard families by providing all the benefits of a real financial planning.
Every
family, whether rich or ordinary, requires a financial plan. No doubts.
There are lots of false assumptions, myths and ignorance in this area.
Most of the people wrongly believe that, financial planning is only
practicable and desirable for families with high earnings. They believe
those families with sizable income can only spare enough funds to create
financial planning through investing lot in various investment
products. Most of them wrongly believe that, financial planning means
only investing and which required high earnings. Ignorance to the real
meaning of what a financial plan is, the major culprit to drag back most
of the families from creating one to secure their entire family and
prevent spending, savings or relying on debts.I too agree that, one step or area in financial planning process is, investing. Yes, it requires considerable amount of money to invest in various instruments regularly to build wealth for long term. But, what would happen if a family have one bread winner and lead very standard life which means their income is sufficient only for each month’s expenses? Here is the importance of thinking about a financial plan that suitable for such families to all the means. This article tells you how to create a 'mini financial plan' that works best for standard families by providing all the benefits of a real financial planning.
New Credit Card Act Exempts Small Business
Editor's note: This is an article written by Robert Sommers
The
Credit CARD Act is being hailed as the most comprehensive credit card
legislation to in over thirty years. While the new law offers a variety
of protections to everyday credit card consumers, it unfortunately
offers very little to commercial and business credit card owners. The
act is designed to protect consumers from callous credit card companies
by doing away with a lot of the industry's most profitable and unfair
practices. Most of the major provisions of the law went into effect
February 22, 2010, with the rest beginning later this year in August and
December. Some of the more notable protections are listed below:
The
Credit CARD Act is being hailed as the most comprehensive credit card
legislation to in over thirty years. While the new law offers a variety
of protections to everyday credit card consumers, it unfortunately
offers very little to commercial and business credit card owners. The
act is designed to protect consumers from callous credit card companies
by doing away with a lot of the industry's most profitable and unfair
practices. Most of the major provisions of the law went into effect
February 22, 2010, with the rest beginning later this year in August and
December. Some of the more notable protections are listed below:Free eBooks on Fundamental Analysis, Stock Basics and Investing 101
Article Written by Sherin Dev; Follow in Twitter or Facebook
Value
investors, whether a beginner or experienced, always in search to learn
maximum about fundamental analysis to sharpen their stock investing
skills and select right stocks. There are lots of books, blogs,
newsletters and other resources offers guidance to sharpen such skills
but most of them fails to identify the right resources.
Here is a collection 3 free PDF e-books that offers lessons on fundamental analysis, stock basics and investing 101. I have personally found these are very good resources for all to read and understand the subject well. This site offer two options to read these books. First, just click any link to visit the site. Provide your e-mail ID to register free and receive the pdf files directly to your mail box. Second, read online without a registration. Option is of course, yours.
Here is those three wonderful free e-books:
Value
investors, whether a beginner or experienced, always in search to learn
maximum about fundamental analysis to sharpen their stock investing
skills and select right stocks. There are lots of books, blogs,
newsletters and other resources offers guidance to sharpen such skills
but most of them fails to identify the right resources.Here is a collection 3 free PDF e-books that offers lessons on fundamental analysis, stock basics and investing 101. I have personally found these are very good resources for all to read and understand the subject well. This site offer two options to read these books. First, just click any link to visit the site. Provide your e-mail ID to register free and receive the pdf files directly to your mail box. Second, read online without a registration. Option is of course, yours.
Here is those three wonderful free e-books:
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