Author: Jeff McRitchieOnce regulated to the office, the paper shredder is becoming a more common sight in today's homes. Having a shredder on hand can reduce your chances of becoming an identity theft victim and there are a lot of great personal-sized shredders to choose from. Fellowes is a leading manufacturer of these products and one of their smaller shredders is the PowerShred P-40. This system is a great choice if you need a simple machine...more
Market Update 7th January 2009Gilt selling is spirited, buying is muted.The Technical Trader's view:WEEKLY CHARTThe drama of the Gilt is three-fold:First, the repeated failure of the market at the All-Time-High from 124.95.Second, the pull back through the support from the Prior High at 116.08 which has held the market up since June 2009.Third, while the market has been held up by that support, the sideways price action has described a complex...more
With easy access to money through credit cards, many people find they spend more each month than they actually have or can afford. It's easy to charge an expensive item on a credit card because money does not physically change hands. For example, one might charge a $200 item on their credit card without much thought, but probably think seriously about the purchase if required to pay for it with cash money. This leads to large credit card balances that can be difficult to pay off due to the monthly accrual of high percentage interest rates.In recent years, bank debit cards have gained widespread use by people who want to avoid running up a large charge account balance with their credit card. However, debit cards can be as dangerous as credit cards because they are just as easy to use and people don't feel the emotional pain of money actually leaving their wallets. Furthermore, debit cards can lead to an overdrawn bank account. An overdrawn account can incur large overdraft fees which place additional strain on the already depleted account. Paying with cash is psychologically more difficult to do than merely swiping a piece of plastic where you don't actually see or handle...more
Author: Jack SmithEveryone who uses Internet as a first source of information on any subject is well aware of feeds and why they are important. However, considering the world of information that is available out there on the Internet, you cannot trust all the feeds. People often first prefer to read the comments that other users post for a...more
If you are going to go through the effort of organizing a yard sale, do it right by using these 7 yard sale ideas. You'll get rid of more stuff and put more money into your pocket.Use these 7 Yard Sale ideas and watch your profits soar.Yard Sale Idea 1: Whatever tables you are using, even if they are 2 sawhorses and a board, place disposable table...more
The secret's out! Using coupons can add up to extensive savings at the checkout counter. But how do people do it? It's hard enough to remember to bring your shopping list and reusable bags with you to the grocery store, how can you remember to bring all your coupons too? And what do you do with them once you bring them with you? Getting started can seem overwhelming, but with these top 5 coupon secrets, you can start saving big money on all your favorite brands.1. Save Every Coupon You Find for Items You NeedTo maximize your savings with coupons, you need to save every coupon you find for items you need. This sounds easy, but you probably don't always do it. Maybe you think you don't need any more of that item, so you don't clip the coupon. Or you figure you can get the store brand cheaper - this is not always the case. At best, you'll find the item on sale or at a reduced price. Use your coupon (maybe even double your coupon) and snag a great deal. At worst, the coupon will expire before you use it, and you will throw it away. If you use it, clip it - it's that simple!You'll find coupons every Sunday in the newspaper and every day in supermarket displays. You can find out what...more
It is difficult to say when a financial emergency might strike leaving you baffled about arranging funds. Emergency situations like wedding of your child, paying a loan, funds for business, medical treatment etc. can pose quite a problem when funds...more
To provide small size loans and insurance to the people with small means, who have less access to procure big or macro loans from the mainstream commercial banks, is what microfinance, is. Microfinance is initiated to finance the people with small...more
I'm going to tell this story in the first person, but it's a real example from one of our clients and he wanted to tell his story anonymously.In January of 2008 my mortgage company sent me a notice that they decided they needed to increase my payment...more
Most New Year's Resolutions are about losing weight and getting in shape. Keeping this type of resolution usually involves joining a Gym or Fitness Centre. Unfortunately, due to the troubled economy, the 2010 year is shaping up to be a year of...more
In many instances, people shy away from investments because of the misconception that you either have to possess plenty of money to start investing or you have to possess plenty of knowledge to navigate the world of investments.Fortunately, this is...more
It's complicated to provide exact budgeting and forecasting information, although we have gone during the inflexibility of putting collectively as much budgeting and forecasting related information as likely. Even if you are probing for other...more