tag:blogger.com,1999:blog-87019894662952474462024-02-19T08:29:10.352-08:00Cash And DebtSex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.comBlogger13125tag:blogger.com,1999:blog-8701989466295247446.post-21126674004439943732016-02-11T09:10:00.000-08:002016-02-11T09:10:01.741-08:00How being cheap will leave you broke<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRiqbM3cB8KKrOJn2Z2M7wmVv9YAwtgg7zeM61WORjisxRHAqExoeeU9FTLGZUL4HxNPQhFu2Y0QfY7Ec67jf_gc8q7wlOJ8JZqsdHhWboVIbTlp9RbT3mhxWhCA1G01rscu99iob9u6I/s1600/13.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhRiqbM3cB8KKrOJn2Z2M7wmVv9YAwtgg7zeM61WORjisxRHAqExoeeU9FTLGZUL4HxNPQhFu2Y0QfY7Ec67jf_gc8q7wlOJ8JZqsdHhWboVIbTlp9RbT3mhxWhCA1G01rscu99iob9u6I/s400/13.png" width="400" /></a></div>
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Given a chance, most of us would rather save all of our money than spend it. But, in reality, the best move that we can do is to maximize our savings by living as frugally as possible. There are good ones, but some saving ideas might end up costing more in the long run. Here are a few budget blunders you may want to avoid.</div>
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<strong style="margin: 0px; padding: 0px;">Neglecting Basic Maintenance</strong></div>
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You home, for example, can be one of the biggest investments of your life. But shrugging off small house issues, such as a dirty chimney, a cluttered gutter, and even an overgrown landscaping, can lead to spending disasters.</div>
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<strong style="margin: 0px; padding: 0px;">Doing your own taxes</strong></div>
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If you keep your own records, your tax returns are simple, you have sufficient knowledge on finance and tax laws, you know the right forms to fill out, and which documents to fix and send, then, sure, do your own tax. But if you answered no, then stay out of it and let the professionals save you from interests and penalties for doing it all wrong.</div>
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<strong style="margin: 0px; padding: 0px;">Skimping on food</strong></div>
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Food is a big expense. But, oftentimes, choosing nasty food doesn’t help you stay healthy. If you can’t avoid eating out from time to time, prefer healthier alternatives and skip the alcoholic drinks.</div>
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<strong style="margin: 0px; padding: 0px;">Risking your health</strong></div>
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Neglecting your health problems because you think you can’t afford them? Expensive and stupid at the same time. A health insurance may appear expensive, but it’s a cheaper alternative than paying for your own medical bills.</div>
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Maximizing your savings is all about being smart – to know when ‘cheap’ is actually good and when it can actually cost you more.</div>
Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-67904371515396611282016-02-04T09:07:00.000-08:002016-02-04T09:07:08.891-08:00Why avoid payday loans<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipVKqTGyfqbvhANa0mSMVL2F-jAvCGaPZxfEThAvswmfQKujpWwfskG5YNLAIFOdZEdsloRRE0VJzSOdO0Knd6RrDZZ598sfS5gBJb4uEemRHvFJP6S0XHDzePy_EHFJXlQ4H50ejeQc8/s1600/12.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="147" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEipVKqTGyfqbvhANa0mSMVL2F-jAvCGaPZxfEThAvswmfQKujpWwfskG5YNLAIFOdZEdsloRRE0VJzSOdO0Knd6RrDZZ598sfS5gBJb4uEemRHvFJP6S0XHDzePy_EHFJXlQ4H50ejeQc8/s320/12.png" width="320" /></a></div>
So you’re strapped for cash and you just need enough to tide you over until the next payday. Some financial institutions, cooperatives and credit unions offer short-term loans like payday loans or cash advances. So will you avail of these?<br />
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They’re really convenient since they give you cash up front without any checks on your credit score and the amount’s usually more than enough until your next payday. But are there any caveats?<br />
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The interest’s always a killer. Cash advances usually carry an awfully high interest rate if annualized primarily because they’re only offered for the short term. If you’re careless not to pay up as soon as you get the funds the next payday, you might be in for a 400% to 5,000% annualized interest.<br />
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Some credit unions offer craftily-named “Payday Loan Alternatives” but check the conditions and they’re basically the same as with regular <a href="http://moneytopics.org/payday-loans/" target="_blank">payday loans</a>. While the law on credit unions states that the max interest rate is 18%, there are fees (like application and participation fees) that can drive the costs up.Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-22610904245855709852016-01-28T08:58:00.000-08:002016-01-28T08:58:12.476-08:00Are college loans worth it?<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2So9YGNiV0HfxPq3q_UgTeB0bNbNCXJi6nS6qf3VGg5-4XhI4qn5sfQ55UW-ZSan-hmi7OVEYiP5urZFTU-SO8OA3t5rKiqj8SSJqO5bnZkr-yjHzEf-jkap7696TAB8wL0qg0aKsmmg/s1600/11.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj2So9YGNiV0HfxPq3q_UgTeB0bNbNCXJi6nS6qf3VGg5-4XhI4qn5sfQ55UW-ZSan-hmi7OVEYiP5urZFTU-SO8OA3t5rKiqj8SSJqO5bnZkr-yjHzEf-jkap7696TAB8wL0qg0aKsmmg/s400/11.png" width="400" /></a></div>
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If it means earning a million more in a lifetime than non-college grads, many would say that it is definitely worth it. But is it really worth the years that you can be in debt if ever you even graduate?</div>
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My position regarding college loans isn’t really that firm, really. Every person’s case and circumstance is different from the other but debt is one of the financial killers out there and it doesn’t really make sense to place yourself tens of thousands of dollar in debt even before you earn your first real paycheck.</div>
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The recession has even made it more complex since the amount of job losses and unemployed made it even more tricky. A great number of borrowers find themselves still without jobs after graduation. With loans unpaid, they’re sinking into a deeper hole.</div>
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1. <strong style="margin: 0px; padding: 0px;">You don’t really need college to succeed…</strong> In my book, no amount of classroom learning can ever swap for life smarts and determination. I think we’ve already got too many Bill Gateses and Steve Jobses who can attest that a college degree is necessary to earn the big bucks.</div>
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2. <strong style="margin: 0px; padding: 0px;">…But learning it helps.</strong> Still, I have to press on the issue. You can’t mess with the statistics that tell you that college degree holders get more over a lifetime of earning than high school graduate counterparts.</div>
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3.<strong style="margin: 0px; padding: 0px;">Go for affordable education.</strong> If going to a more expensive college is not an option given your finances, then opt for a more affordable one. You can go to a state college or university. Or if even that will be a strain, then go to a community college.</div>
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4. <strong style="margin: 0px; padding: 0px;">Time things properly.</strong> You can always get better education anytime. You can opt for a BA degree now from a cheaper institution and take additional classes to supplement your learning with things relevant to your work. Drowning yourself in debt and interest for years after you graduate doesn’t really seem to be a sensible thing to do nowadays.</div>
Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-52166263580457870922016-01-21T08:54:00.000-08:002016-01-21T08:54:00.637-08:00Outsave the Joneses<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_VYo6cRPFF9e3JiNhtLUyGwe1daSjSsXZrgKNuEHZSlFIlWYW0wawLlnqVtO6wzUzjruNmTxfl0tMAVfF9notAgd-fVmUyEiz3xwzTElDy3kAdOVeIIerunMUjWGhvMnX39bys9L-KJI/s1600/10.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg_VYo6cRPFF9e3JiNhtLUyGwe1daSjSsXZrgKNuEHZSlFIlWYW0wawLlnqVtO6wzUzjruNmTxfl0tMAVfF9notAgd-fVmUyEiz3xwzTElDy3kAdOVeIIerunMUjWGhvMnX39bys9L-KJI/s400/10.png" width="400" /></a></div>
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I don’t know if it’s just a local cultural thing but I do think that keeping-up-with-the-Joneses also happens beyond out borders. Envy might just be part of the human experience.</div>
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People often fall into the mucky pit that is neighbor envy. What good things others have, you want for your own especially those material “improvements.” That new car. That new pool.</div>
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Many financial gurus would say that there’s no point in doing this. Statistics have it that your typical neighbor is in debt and there’s no point keeping up with broke people unless you’d want to be broke as well.</div>
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If you’re the type who wants to keep up with neighbors, then why not switch games and do one better. Be richer than them. Instead of spending on material goods that aren’t exactly assets (they depreciate), opt to put your money where it can grow.</div>
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Outsave and outinvest the Joneses!</div>
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Take comfort in the fact that you have more money in the bank and more investments stashed away. They might be lounging in their new pool but at least you can have that smug look that your family’s finances are secure and you’re on the way for a more comfortable life ahead.</div>
Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-92070581149071161022016-01-14T08:51:00.000-08:002016-01-14T08:51:06.813-08:00Fresh graduates: Pay off your student debt<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNIVgSThLGRmRpj4RX6cVixf_bUpnbEkOOu40gCOFEOvQIiWLkd2J-SO3wa8RPNT0GYMCMpvdaXhfV9NtjvU02VZT-8WUB9IbyKA8xMqspQtjWvtp6qsACF9-DQn2CjZK871nBKfQr4o4/s1600/9.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiNIVgSThLGRmRpj4RX6cVixf_bUpnbEkOOu40gCOFEOvQIiWLkd2J-SO3wa8RPNT0GYMCMpvdaXhfV9NtjvU02VZT-8WUB9IbyKA8xMqspQtjWvtp6qsACF9-DQn2CjZK871nBKfQr4o4/s400/9.png" width="400" /></a></div>
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A lot of students are now graduating college and ready to take on the big leap to “real life.” Thing is, that college degree might have been obtained through a lot of hard work and perhaps a <strong style="margin: 0px; padding: 0px;">student loan</strong>.</div>
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One thing you really have to prioritize now, aside from landing a decent job, is to <strong style="margin: 0px; padding: 0px;">pay off that student loan</strong>. Try to <strong style="margin: 0px; padding: 0px;">make prepayments</strong>. Sure, the job market’s hasn’t really recovered yet but it’s better to get out of debt real quick than lose more money in the long run.</div>
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Simple math would show that you stand to lose more by opting for longer terms. A $10,000 loan at 5% fixed interest for a 5-year term means that you have to pay $189 a month to pay it off. You spend $1,340 on interest. If you opt to pay $250 a month, in just 44 months you’ve paid it off and you save $340 on interest.</div>
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Laws have it that you can make advance payments to get rid of the load quicker. Payments are also tax deductible so that’s another load off your back.</div>
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However, make sure that you shore up your <strong style="margin: 0px; padding: 0px;">emergency funds</strong> first before making any big financial moves. If possible continue contributing to your <strong style="margin: 0px; padding: 0px;">401(k) and retirement funds</strong> as well. You might have to sacrifice a lot of other comforts but doing all of these should safeguard you from the rainiest of days.</div>
Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-70082692030065893102016-01-07T08:49:00.000-08:002016-01-07T08:49:00.537-08:00Five ways to pay mortgage quickly<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLPj33MmTmsJ1T3KjKcP2VJuXWR6gtydZ8PCfROVuoySyjlC2yvPu28JMMIp5rZkf3EhTKD33_H5CpJANFSOQ8tRuKFI1DNboHdSkrs9l1hOhUplsUak66vRQC4B7lyJ7n6SIRAs3TE44/s1600/8.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLPj33MmTmsJ1T3KjKcP2VJuXWR6gtydZ8PCfROVuoySyjlC2yvPu28JMMIp5rZkf3EhTKD33_H5CpJANFSOQ8tRuKFI1DNboHdSkrs9l1hOhUplsUak66vRQC4B7lyJ7n6SIRAs3TE44/s400/8.png" width="400" /></a></div>
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Loans can suck all the life out of living. And the biggest loans a person or a household gets in their lifetime is their mortgage for the house. While these often go for decades-long terms, the quicker you can get out of them, the better.</div>
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Here are five ways to make sure you pay your mortgage quickly:</div>
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<strong style="margin: 0px; padding: 0px;">Put up a higher down payment.</strong>Higher down payments mean that you only have to finance a lesser amount. That also means less principal on which interest will be charged. This can allow you to either draw out a longer term (bad) or deal with a more manageable</div>
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<strong style="margin: 0px; padding: 0px;">Go for a shorter term</strong>. Longer terms means interest will be piling on for long. Shorter terms often. You just have to balance this out with the a comfortable amortization since shorter terms means you have to pay larger amounts monthly.</div>
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<strong style="margin: 0px; padding: 0px;">Make more sizable payments</strong>. If you’re already into your mortgage, ask the bank if you can increase your monthly amortization. Just make sure that you make the terms clear since some loan programs might not really give you a better value even if you pay more quickly.</div>
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<strong style="margin: 0px; padding: 0px;">Make more payments</strong>. If possible, try making more payments. Switching from a monthly to a bi-monthly arrangement may help you hack away at the remaining debt.</div>
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<strong style="margin: 0px; padding: 0px;">Refinance to lower interest rates.</strong> Refinancing’s a really tricky thing but if you can work out a better deal, then consider it. Crunch the numbers. If, in the end, you’ll be handing out less money with refinancing, then go for it.</div>
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Source: <a href="http://moneytopics.org/mortgage/">http://moneytopics.org/mortgage/</a></div>
Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-49116531247633305082015-12-31T08:47:00.000-08:002015-12-31T08:47:00.387-08:00Parents’ spending habits influence kids<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKvzUnW2WTMFsVICSEgQAg-UqKCHWSxrDmCtKAbGqGGk8arwD_GVASlcEfl9D-BwKlwMYGNK5nQ6Zj4JFxZ85Iq-HBgv03DFd3WEX6BlH9fV6yFIMa5YA2TmGN2ba-OSqv2_Zixg7l1x4/s1600/7.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKvzUnW2WTMFsVICSEgQAg-UqKCHWSxrDmCtKAbGqGGk8arwD_GVASlcEfl9D-BwKlwMYGNK5nQ6Zj4JFxZ85Iq-HBgv03DFd3WEX6BlH9fV6yFIMa5YA2TmGN2ba-OSqv2_Zixg7l1x4/s400/7.png" width="400" /></a></div>
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Whether you’re financially smart or dumb, part of what you do with your money, you’ve learned from them. Good thing, though, is that you don’t necessarily grow up to be like your parents. But they sure can influence you.</div>
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In my case, my mother was pretty shitty with money. Never really believed in long term financial planning, saving, and spent pretty much on her whim. She died with nary a cent for me to inherit. And whenever the parent leaves the kid with the funeral bill, that’s always a shitty deal.</div>
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Good thing is that I learned from her mistakes and have become much better when it comes to finances. My mother’s experience taught me to value money, save, and spend carefully. Part of my motivation is that I want to retire wealthy and to leave a nice inheritance for my kids.</div>
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Be aware that parents often put up fronts either for to appear to be keeping up with the Joneses or perhaps to help kids feel secure about the family’s financial stability. Try to take a look back at your childhood and compare and contrast your parent’s lifestyle.</div>
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Spending habits like incurring debt and not budgeting are tell-tale signs of financial stupidity. If your parents live frugally and are now happily retired, then they’ve done great. Learn from their successes. If not, then try to learn from their mistakes and avoid digging for yourself your parents have dug for them.</div>
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The best way to know these things is to communicate. Be open. Talk to your parents and know their biggest mistakes. Talk to your spouse and feel free to discuss money matters in an honest and proactive light. Talk to your kids so that they also have a clear picture of your finances so that they can grow up financially smarter than you.</div>
Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-21442415654477331882015-12-24T08:43:00.000-08:002015-12-24T08:43:00.640-08:00Financial tips for college fresh grads<div class="separator" style="clear: both; text-align: center;">
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If you’re graduating in a few months, you got to prepare yourself soon. You’ll be pressured to have a job and, of course, earn money on your own. Here are some finance tips for the fresh college grads:</div>
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<strong style="margin: 0px; padding: 0px;">If your student loan confuses you, now is the time to figure it out.</strong></div>
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It’s time to not only familiarize yourself with the details, but also to understand every bit of information regarding your loan. This might help you pay it off as soon as possible.</div>
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<strong style="margin: 0px; padding: 0px;">Start saving for the short term.</strong></div>
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If you have plans on living independently, you must have the means to support yourself – to pay for an apartment, to buy food, to have money while looking for employment.</div>
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<strong style="margin: 0px; padding: 0px;">Start saving for the long term.</strong></div>
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Invest in your future. It pays to have something reserved for the rainy days. And if you’re lucky enough to keep a large amount of your saving, at least you’ll have head start on your retirement fund.</div>
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<strong style="margin: 0px; padding: 0px;">Decide whether you really need a car.</strong></div>
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If you have plans on moving to a place like Los Angeles, you’ll definitely need a car to move around. But remember that car payments and gas can really be expensive for fresh grads. Instead, you can consider cities and other places with good public transportation systems.</div>
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<strong style="margin: 0px; padding: 0px;">Ask about benefits.</strong></div>
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Once you land a job, ask about health insurance, dental insurance, vision insurance, employer-matched retirement plans and other subsidies. These things are as important as your paycheck.</div>
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<strong style="margin: 0px; padding: 0px;">Figure out a budget.</strong></div>
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There’s nothing wrong with dreaming – just know how to temper your expectations. It might help to take the time to research and compute the cost of living in different areas where you want to live and the expenses needed to keep a particular lifestyle.</div>
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Life after college is tough. It’s full of uncertainties. The last thing that you want to do is to cry and run home to mommy for the financial failures that you should’ve preempted.</div>
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Source: <a href="http://investopedia.com/">http://investopedia.com</a></div>
Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-66806771653737584102015-12-17T08:41:00.000-08:002015-12-17T08:41:00.791-08:00How financial institutions encourage bad habits<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBjFpbj9AM4IDlND6QxS79e8fmzteU7-w6__JcLj0a0Y5TcQ3tTk3erdksLQlTwb6q3BgNz5b1_vNZFxsLok5eIo5olEPjpJFWpuxl4nwnD0nlkpyBTrAsuHQvaHK7FN4WWbd1KLOR_ds/s1600/5.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBjFpbj9AM4IDlND6QxS79e8fmzteU7-w6__JcLj0a0Y5TcQ3tTk3erdksLQlTwb6q3BgNz5b1_vNZFxsLok5eIo5olEPjpJFWpuxl4nwnD0nlkpyBTrAsuHQvaHK7FN4WWbd1KLOR_ds/s400/5.png" width="400" /></a></div>
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In an ideal world, all banks, financial advisors, credit card companies, and other financial institutions would have your best interest in mind. But, that’s not the case. Most of the time, these are the same institutions that would encourage you to breed bad habits.</div>
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<strong style="margin: 0px; padding: 0px;">Student loan debt</strong></div>
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We were all made to think that student loan debt is responsible debt. A good education leads to jobs, right? Well, think again. This might be true, but you still have to evaluate your college spending plans. When going to college, be conscious of the debts that you’re taking. Remember that most fresh grads are still struggling with employment and that it may take years before you land into a career that can liberate you from the burdens of student loan.</div>
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<strong style="margin: 0px; padding: 0px;">Overdraft protection</strong></div>
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If you’re the kind who shows tendencies of overdrawing your bank account, then banks are scouting for you. Banks would first allow you to spend more money than what you actually have in your account and then would cover your excess expenses for $35/advance. What’s wrong is that that $35/advance rate snowballs into a large burden, together with the amount of money advanced. Nowadays, laws are now in place to prevent banks from enrolling you to their overdraft protection program automatically.</div>
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<strong style="margin: 0px; padding: 0px;">High interest rate mortgages</strong></div>
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Some mortgage brokers are out there to trick you. Their goal is to tempt you to get high rate mortgages through incentives. This kind of payment is referred to as yield spread premium. In the end, you have to remember two things: first, it’s in the broker’s interest that you pay more. When you pay more, your broker gets more as well. And second, do your homework: research and be an informed customer.</div>
Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-69210173014074011452015-12-10T08:39:00.000-08:002015-12-10T08:39:00.241-08:00How to talk about money<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEickGV6nNPb0d2biPejlaHTskAsj9i1dlAS-sIdSTA1HF0CZ9cvCotMNyNN2WgYKVYfvGT9bSDbSLtl77i0ongGlGtZyuA32TWfCyJHwM4W4tRxk3vjAGm7Hhzop4EPjqdVgr_g78m5GpI/s1600/4.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEickGV6nNPb0d2biPejlaHTskAsj9i1dlAS-sIdSTA1HF0CZ9cvCotMNyNN2WgYKVYfvGT9bSDbSLtl77i0ongGlGtZyuA32TWfCyJHwM4W4tRxk3vjAGm7Hhzop4EPjqdVgr_g78m5GpI/s400/4.png" width="400" /></a></div>
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People rarely talk about money. That’s why when some veer towards that topic, others have no choice but feel uncomfortable. Avoiding any talk of money is almost impossible. So, when caught in that situation, here are some tips on how you can handle them.</div>
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<strong style="margin: 0px; padding: 0px;">Your salary</strong></div>
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It’s never advisable to divulge your salary to everyone. You shouldn’t also brag about bonuses, commissions, and compensation packages. But if someone asks how much you earn, the safe response would be “I make enough to get by.”</div>
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<strong style="margin: 0px; padding: 0px;">Real estate</strong></div>
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This one is tricky. Because even if you answer vaguely, transactions go to public records. If a neighbor is really eager to know how much you spend for your four bedroom Colonial, he can always go to the local county clerk’s office or search the Internet for it. Despite this, it doesn’t mean you’ll answer all questions right off the bat. You can just say that you got your home either below or above the asking price.</div>
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<strong style="margin: 0px; padding: 0px;">Cars</strong></div>
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A flashy car will not be left unnoticed. If asked about the car you drive around, simply name the car and drop the topic. You don’t want people to be overwhelmed by your arrogance by talking more about its price tag.</div>
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<strong style="margin: 0px; padding: 0px;">Public vs. private school</strong></div>
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It’s no secret that private schools are pricier than public schools. Sending a kid to a private school is regarded as a status symbol. In this sense, it’s just rude to name drop your child’s prep school at random people just to impress. Try to be polite by naming the school and explaining vaguely what you like best about their curriculum.</div>
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<strong style="margin: 0px; padding: 0px;">Your investment portfolio</strong></div>
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Your investment portfolio should be treated as your salary – you shouldn’t divulge its exact value. Deflect questions by answering with estimations, with percentages rather than the value in dollars.</div>
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Bragging about one’s money is offensive. Know more about your friends and acquaintances by asking about themselves and not by their wealth (or lack thereof).</div>
Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-88166347951403244492015-12-03T08:37:00.000-08:002015-12-03T08:37:00.478-08:005 ways to save more money<div class="separator" style="clear: both; text-align: center;">
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Sometimes, you need not do something drastic or overwhelming for you to save money. You may start thinking about your day-to-day routine and see what things you can actually trim to save a few more dollars a month. Here are small things that could save you a bit more.</div>
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<strong style="margin: 0px; padding: 0px;">Dropping vices</strong>. You might not realize it but that pack of cigarette or two that you smoke on a daily basis actually amounts to something substantial in a month. Try to look at your other daily guilty pleasures at well. Could be that daily Chinese take out or that extra can of soda.</div>
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Buy in bulk. Buying in bulk definitely is cheaper. However, keep in mind to focus only on items that do not have a shelf life, for example, paper towels. Some items containing chemicals have active ingredients that might stale.</div>
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<strong style="margin: 0px; padding: 0px;">Unplug all unused appliances and turn off lights.</strong> Often overlooked but appliances when plugged even if not in use, still leeches off a few a bit of juice. Light, even if you’re using energy saving fluorescent ones still consume watts of electricity. Turning them off prevents waste.</div>
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<strong style="margin: 0px; padding: 0px;">Drop unnecessary subscriptions.</strong> How many of your existing subscriptions do you actually get to maximize. How about your phone? Your cable TV? Your magazines? Your newspaper? How many of them do you actually use or read half the time in a month. You might just be able to drop one or even all of them.</div>
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<strong style="margin: 0px; padding: 0px;">Avoid flooring your car’s throttle.</strong> Some driver drive as if there’s no tomorrow. Heavy right-foot driving actually just wastes gas. You don’t need to tap your car’s ponies when driving. Besides, even if you build up speed and only brake shortly afterwards, you’re just converting all the force into heat. Get more mileage by tempering how you speed up.</div>
Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-638945139872755402015-11-26T08:36:00.000-08:002015-11-26T08:36:00.199-08:00Money mistakes parents passed on to kids<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiL4bZob5WKUmfGFjerf_mh7fctOsAawS0-fV-L9njIc9-b-NYqTUuvJqrLQ_Xx0v1REeEIKo2LnR6YlMSkqBlZtwxGit3AF_HQciZYBlNh8mLWvFt27Z0VMDoNi97AQpYS27HNnFDjIpk/s1600/2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="183" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiL4bZob5WKUmfGFjerf_mh7fctOsAawS0-fV-L9njIc9-b-NYqTUuvJqrLQ_Xx0v1REeEIKo2LnR6YlMSkqBlZtwxGit3AF_HQciZYBlNh8mLWvFt27Z0VMDoNi97AQpYS27HNnFDjIpk/s400/2.png" width="400" /></a></div>
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A 2015 survey by the National Foundation for Credit Counseling explains that 34% of Americans give themselves C, D, or F when asked about their knowledge on personal finance. At the same time, 41% says that they learned about money from their parents. In a slideshow, Forbes.com enumerates some of the top money mistakes parents pass on to kids. Here’s the list.</div>
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<strong style="margin: 0px; padding: 0px;">Money silence. </strong>Whenever parents want to shun their kids from doing wrong things, they often call out on their kids explicitly. But when it comes to money matters, parents stay away from the topic and even consider money talk as rude.</div>
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<strong style="margin: 0px; padding: 0px;">Credit card magic. </strong>Parents use credit cards in front of their kids without explaining how everything works. Subliminally, kids think that gratification can simply be achieved with a swipe or two (or even more).</div>
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<strong style="margin: 0px; padding: 0px;">Not saying no. </strong>When kids throw a tantrum, parents often find themselves giving in just to get some peace and quiet. If your child wants something that’s out of the budget, explain to them the situation and teach the difference between wants and needs.</div>
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<strong style="margin: 0px; padding: 0px;">Lying. </strong>When parents say that “this will be our little secret” or “don’t tell mom/dad about this,” kids think that it’s perfectly fine to be dishonest to their partners.</div>
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<strong style="margin: 0px; padding: 0px;">Action betraying words. </strong>Parents should always practice what they preach. If you have a budget, stick to it. Doing otherwise sends the message that budgets are unimportant and can be shrugged off anytime.</div>
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<strong style="margin: 0px; padding: 0px;">Overspending on entertainment. </strong>Be wary of how much you spend for family time. Shelling too much cash suggests to kids that happiness can only be achieved when you have the money to burn.</div>
Sex Masterhttp://www.blogger.com/profile/07008776720226660878noreply@blogger.com0tag:blogger.com,1999:blog-8701989466295247446.post-33525945533839874712015-11-19T08:18:00.000-08:002015-11-19T08:18:00.085-08:00Four more money saving mistakes<div class="separator" style="clear: both; text-align: center;">
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For the sake of being frugal, oftentimes, we end up spending more. There are those who drive around town just to search for the cheapest gas. We know that’s not practical, especially if you’re saving a nickel at most. Below are some of the common financial wrong moves people tend to commit.</div>
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<strong style="margin: 0px; padding: 0px;">Falling for ‘free’</strong></div>
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Consumers always think that since something is ‘free,’ then there is no downside to it. A ‘free shipping with a $150 purchase’ promo, for example, would make you spend more than what you intend just to avail of the free shipping.<strong style="margin: 0px; padding: 0px;"></strong></div>
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<strong style="margin: 0px; padding: 0px;">Overdosing at the dollar store</strong></div>
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Dollar stores are gaining popularity since people are looking for bargains. But according to Consumer Reports, some products are actually dangerous, such as lamps and extension cords with fake UL labels certifying their safety, or some over-the-counter Aspirin shelved even beyond their expiration dates.</div>
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<strong style="margin: 0px; padding: 0px;">Buying in bulk</strong></div>
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For some, buying in bulk is a good idea, since it can really save them money. But why would you buy items in bulk if you know that you can’t consume it all? Such a waste of money.</div>
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<strong style="margin: 0px; padding: 0px;">Making repairs yourself</strong></div>
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There are broken things best left in the hands of professionals to be fixed, especially if making your own repairs would take up precious time but would still end up being a wreak. In this case, choosing an expert to do it is a cheaper alternative.</div>
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