Net-Teams - Bookmark Tag saving

There are 100 articles associated with the tag saving!

#	Total Bookmarks	Article Title/Link and Description
1.	Bookmarks: 0	What Your Mother Never Told You About Income Investing: Twenty Questions (1 thru 6) Investors are a very dependent group of people, particularly now that most employed persons have been given the responsibility of directing their own savings and investment programs for retirement. Mother Wall Street has monopolized this huge market, and nursed its children first on Mutual Funds and now on derivative betting mechanisms they call index ETFs ---the unhealthy investment equivalent of a diet of fast food, limited protein, and high energy fusion products.
2.	Bookmarks: 4	A Dark Future For IRAs and 401(k)s? Dr. Ghilarducci has presented a socialist solution to a problem that could easily be dealt with using rudimentary controls that would limit the amount of risk allowed inside these tax deferred savings devices. She also ignores the fact that most self-directed money lies in voluntary, privately sponsored, employee benefit programs--- emphasis on voluntary and private.
3.	Bookmarks: 0	Retirement Income Investing Article Library Retirement income planning starts with the first dollar you invest... IRA, 401k, 403b, savings plan, brokerage account, whatever. These articles explain both characteristics and performance expectations. Most importantly, they define purpose. The collection will help you do the job better... in some instances, by viewing the antics of the not so distant past.
4.	Bookmarks: 0	Trading The 401k Portfolio - Part II Retirement plan investment portfolios are managed to produce the promised income; 401k plans make no promises and do not seem to make much of an effort to offer income focused investment products. The income produced by the highest yielding (highest risk) mutual funds is generally lower than that which can be obtained from lower income tier Closed End Funds (CEFs).
5.	Bookmarks: 0	The Tax Free Income Closed End Fund Marketplace How could you not be interested in Tax Free Yields of roughly 7%? On programs that have been in operation for nearly 20 years? and which are generally paying more now than they did prior to the financial crisis?
6.	Bookmarks: 0	To Rollover 401k Plan Assets or Not To... That Is The Question Interestingly, all the major 401k product providers, also manage Closed End Fund product lines that generate generous income, even after higher fees. These fees, so important to regulators and politicians, are never paid by the recipients of the much higher income.
7.	Bookmarks: 0	401k Plans Are Retirement Programs - NOT So long as we are in an environment where retirement plan income (and principal in the case of all private plans) is subject to income taxation, 401(k) participants would be wise to establish an after tax income portfolio invested in tax exempt securities--- or to vote more selfishly.
8.	Bookmarks: 0	New 401k Approach Focuses on Income Production and Correction Preparation 401(k) Savings Plans are great opportunities to build wealth, but they are not guaranteed pension programs and there are pitfalls. What if you are forced to retire at the bottom of a market cycle, or at a time of historically low interest rates? Qualified or not as an investor, you have to make your own 401(k) investment decisions.
9.	Bookmarks: 0	Create a Pension Plan Within Your 401(k) 401(k) Savings Plans are great opportunities to build wealth, but they are not guaranteed pension programs and there are pitfalls. What if you are forced to retire at the bottom of a market cycle, or at a time of historically low interest rates? Qualified or not as an investor, you have to make your own 401(k) investment decisions. Eventually, you will have to create your own income portfolio.
10.	Bookmarks: 0	Trading The 401k Portfolio - Part I Most 401k investment menus encourage speculation by providing varieties of capitalization, sector, commodity, and growth varietals with little emphasis on internal selection quality, diversification, or income generation.
11.	Bookmarks: 0	Aquaponics - Fish and Vegetable Gardens in Your Home Aquaponics represents the future of food in around the world. Anyone with a little extra room in their homes can create a symbiotic relationship between fish and vegetables saving money and creating a more self sufficient people.
12.	Bookmarks: 0	A Conservative's Liberal Plan To Transform Social Security A Social Security Retirement Income Annuity, or SSRIA, invested 70% or more in government (all levels) guaranteed securities, could be phased in quickly as a mandatory replacement for the existing Social Security program. The personally owned SSRIA would also become a voluntary investment option for all self-directed programs and a guaranteed safe savings vehicle for after tax discretionary dollars.
13.	Bookmarks: 0	An Investor's View of The Fair Tax: A 2012 Resolution A Government that bemoans the population's low savings and investment rates has only itself to blame. The majority of Americans would agree that investing, retirement planning, and estate preservation would be easier to manage if the Internal Revenue Code was comprehensible. A landslide of American voters would elect any candidate championing IRC replacement surgery.
14.	Bookmarks: 0	Guaranteed Social Security Benefits: Finally, An Approptiate Use For (Fixed) Annuities What if, instead of donating 7.6% of your salary (15.3% if you are self employed) to support the war de jour: (a) you could choose to deposit from 3% to 5% of your salary in a guaranteed retirement program maturing anytime after age 60, (b) the lifetime benefit is totally income tax free, and (c) your employer uses his savings to either create jobs, raise non-executive salaries, reduce prices, or increase shareholder dividends. Interested?
15.	Bookmarks: 1	Guaranteed Social Security Benefits - The Old Fashioned Way What if, instead of donating 7.6% of your salary (15.3% if you are self employed) to support the war de jour: (a) you could choose to deposit from 3% to 5% of your salary in a guaranteed retirement program maturing anytime after age 60, (b) the lifetime benefit is totally income tax free, and (c) your employer uses his savings to either create jobs, raise non-executive salaries, reduce prices, or increase shareholder dividends. Interested?
16.	Bookmarks: 0	SAVING HEALTH CARE: More about Free-Enterprise This article emphasized the importance of reducing the size of our government so that all “free-enterprise” programs including health care can be successful and part of the process that restores our freedoms.
17.	Bookmarks: 0	SAVING HEALTH CARE: What should it look like? This article will help people understand exactly what a quality health care system would look like. If everyone of us work for the same goal we can accomplish just about anything, including a health care system free of government participation, free from ambulance chasing lawyers, free from the need for co-pay health insurance, and one that prospers because each individual assumes responsibility for their own health.
18.	Bookmarks: 0	More Simplified NRI Banking! Opening up an NRI account is no big deal. If you choose the online route, you will soon realize how simple the whole process is. If you are a non resident Indian, you can open up your bank account sans any lengthy documentation. You are allowed to open multiple accounts in a single application. It takes the tension away from you, as you and your spouse can apply for it simultaneously.
19.	Bookmarks: 4	Emergency Lesson Plans, Real Lifesaving Tools for Teachers Everyone gets those situations in life where an emergency has come up, and you don't have the time (or sometimes the ability) to get a good lesson plan in to school for your students. Maybe you have a family emergency or a disrupted travel plan and you just cannot get into school to leave detailed lessons. That is why it is essential for you to have an emergency lesson plan available and handy.
20.	Bookmarks: 0	The Province Of Alberta The Province of Alberta is approximately 255,200 square miles in size and boasts incredible scenery and abundant natural resources. It is situated between the provinces of Saskatchewan to the East and British Columbia to the west, with Northwest Territories to the North and the state of Montana, USA bordering the south. Alberta is in the Mountain Time Zone which is Greenwich Meantime -7 hours. Between the months of April and October Daylight Saving is in effect and the di...
21.	Bookmarks: 0	Children's Bank Accounts - Planning Your Family's Future Everybody wants to give their children the best possible start in life, and make their future as secure as possible. Two ways of helping them, money-wise, are by encouraging them to save with their own bank account, and by making investments on their behalf.
22.	Bookmarks: 0	401k Retirement Plans Explained 401k retirement plans are special types of accounts, financed through pre-tax payroll deductions. The funds in your account are invested in various ways. Your funds can be invested through any number of stocks, mutual funds, and other ways, and it is not taxed on any capital gains or interest until the money is pulled out or withdrawn. Congress approved this retirement savings plan in 1981, and its name was rooted from the section of the Internal Revenue Code that contains it...
23.	Bookmarks: 0	Hawaii Vacation Accommodation and Lodging A vacation to Hawaii can be truly memorable and highly cost saving if planned well in advance and with proper care. Hotels in Hawaii can be expensive and one could spend a fortune on them. There are other options that can provide a family or a group with better accommodation.
24.	Bookmarks: 0	Trading Shares For A Living Via Spread Betting About 8 years ago I started to notice that certain friends of mine had quit their jobs but continued to live very luxurious lifestyles - seemingly without doing very much. I thought they must just be using up their savings until I discovered they were all making a fantastic living by spending just a few hours a week doing something I had never heard of before - financial spread betting.More and more people are now becoming familiar with the phrase financial spread bett...
25.	Bookmarks: 3	Congress Enacts New Laws Making Iras Better Than Ever! Have you heard of the non-deductible IRA? I'm not referring to the ROTH IRA, but a traditional IRA that many people are stuck with as their only option (for various reasons that make investing in other types of IRAs unavailable).In those cases, the IRS allows you to contribute to a traditional IRA, but NOT take a tax deduction for it.You still get tax-deferred growth, but during retirement your earnings (interest and capital gains) will be taxed, but not the contrib...
26.	Bookmarks: 0	Shares - Should I, Shouldn't I? Buying SharesYou should consider buying shares only if:* You have at least one year's income saved and available on demandYou need to have instantly accessible savings to pay for the unexpected. The unexpected can include funerals, washing machines or repairs to the car after an accident. The unexpected is just that, and you do not want to have to sell your shares at a time when their value may be temporarily low just because you have no other savings to cover tha...
27.	Bookmarks: 0	Savings bond makes life simpler The modern socio-economic scenario has made life really very complicated for us, as we all have to run after money to make ends meet. In this age of rapid commercialization of economy, we are always running short of cash no matter how much we earn.
28.	Bookmarks: 0	Annuities Those with fixed incomes or living on their retirement savings are often looking for a safe, low risk place to invest their money. They will often turn to annuities, which are sold through insurance companies.
29.	Bookmarks: 0	The Offset Mortgage – Why Is It Growing In Popularity? The biggest innovation in the mortgage market in recent years, the offset mortgage, is now starting to take a significant share of the market. Now, only six years after they were introduced, the offset and the current account mortgage account for 10% of all borrowed mortgage capital. According to one of the UK's largest mortgage lenders, as many as 25% of existing mortgage holders could save money in the long run by choosing an offset mortgage. If you're one of those poss...
30.	Bookmarks: 0	Online mortgage quote: Why You May Not Be Getting The Best Rate While shopping online for online mortgage quote can be great in terms of saving time and convenience, it won’t necessarily get you the best deals available. What you save depends to a great extent on the way you negotiate with lenders for the online mortgage quote.
31.	Bookmarks: 0	Mortgage Calculator Reveals Big Savings With Small Payments Having agreed on a monthly payment schedule with your mortgage lender doesn't necessarily set that amount in stone - that's just the minimum you can pay! By playing with a mortgage calculator, particularly a pre-payment loan calculator, you can see where extra payments can make long-term savings on your mortgage. The mortgage calculator will quickly show that you don't have to pay large sums of additional cash in order to make a difference. Even regular smaller sums can g...
32.	Bookmarks: 0	How To Use Your Equity Smartly Home equity is the money you have put down against the principal of your house as a savings account, be aware that if you fail to budget effectively and over draw your equity. Get more information on how to smartly use your equity from this article.
33.	Bookmarks: 0	How A Mortgage Calculator Can Make Your Annual Bonus Count An annual bonus can be a wonderful windfall at the end of the year to do with as you please. It could go into savings, a special purchase, paying down your credit cards or into your house as a prepayment on your loan. When your mortgage is calculated, either fixed or adjusted, you are told how much to pay on a monthly basis.However, a mortgage calculator that specializes in additional payments will show it can be very much in your favor to consider this using your bonus a...
34.	Bookmarks: 0	Home Equity: Your Ace In The Hole Almost 15 years ago, you bought your first home. You’ve been diligent in working and paying on the mortgage, and finally have more equity than mortgage. Ah, the sweet smell of victory, and home ownership. But are you playing the financial investment game as well as you think? Are you missing out on tax savings, funding strategies, or just plain smart money options? How do you check your equity options versus your tax savings options, to comparative shop and make use of your s...
35.	Bookmarks: 0	Getting Better Looks with Cosmetic Surgery Loans Cosmetic surgery loans are a convenient way to fund those costly cosmetic surgeries. Various types of surgical procedures that enhance the look and self-esteem of a person are funded by these loans. A good planning before applying for any cosmetic surgery loan will get you good savings and a better deal. Cosmetic surgeries are now available to general public because of the cosmetic surgery loans.
36.	Bookmarks: 0	Top 7 Ways to Minimize Your Income Taxes Are you paying too much in income taxes? Are you getting all the credits and deductions you are entitled to? Here are 7 tips to help you minimize taxes and keep more in your pocket:
37.	Bookmarks: 0	Refinance & Mortgage Tips: Down Payment From Savings Once you’ve figured out how much of a down payment you can make on your home mortgage, it’s time to determine how to document the source of your funds for the down payment and closing costs. Now you might be saying, “Why do they care where I get the money?” Lenders need to verify the source of funds to both assess the underlying risk in you as a borrower as well as to prevent loan fraud. This makes it imperative for you, the applicant, to maintain complete and detailed r...
38.	Bookmarks: 0	Investing In Bonds Versus Forex Investing in bonds and the savings bank is safe as we will see. But if you are adventurous you can make a great deal from Forex.The article is written primarily for the smaller investor who needs high yield, the man who has between, let us say, $5,000 and $100,000. If the $5,000 investor secures a return on his money not of 3%, or $150 per year, but 12% $600 per year his benefit will be material, not nominal.If the $100,000 investor receives not $3,000 but $12,000 the...
39.	Bookmarks: 0	Mutual Fund Investing Simplified What is a mutual fund anyways an average person may well ask?A mutual fund is simply a co-operative means by which means many people can pool their savings together and have it professionally managed and as well take advantage of institutional volume discount pricing of purchase and sales commissions.The concepts of pooling allow investors with relative small amounts of money to access investments that may require larger sums to achieve affordability.Government an...
40.	Bookmarks: 0	Saving time by using a ticket broker Do you want to know the biggest reason most people use ticket brokers in order to buy performance tickets, event tickets and sporting tickets? It’s not the price (although many brokers are more than reasonable) and it’s not the ease (although phone and internet shopping is a heck of a lot easier then buying your tickets from the stadium). In fact, it’s a lot more trivial then that…it’s the time. People like time because time is the one thing you can never get back. ...
41.	Bookmarks: 0	Commercial Real Estate Savings Real Estate costs are the second largest expense a business can have, after HR costs. Selecting the right size properties for you needs is one essential way to save on Commercial Real Estate costs.
42.	Bookmarks: 0	Business Credit Cards Versus Business Lines of Credit Nothing quite matches the convenience of business credit cards. When you are looking for a good alternative to cash, checks, and personal credit cards, it is probably a business credit card you want. With credit-when-you-need-it convenience, savings and discounts on purchases, and extremely helpful reporting facilities, business credit cards can be a good tool in your financial management tool kit.
43.	Bookmarks: 0	Business Credit Cards Can Make You Money Small business owners, more than any other credit card users, are in the best position to profit from their use of credit cards. Profit from credit cards? The idea may seem foreign, if not preposterous. However, the truth of the matter is simple: if you use your business credit card wisely and open a high yield savings account, your credit card can easily make you a few hundred dollars a month.Let's begin by discussing the types of small business credit cards on the marke...
44.	Bookmarks: 0	Regulations Tighten On Interest Only Mortgages More than 25% of homeowners are paying for their homes with an interest-only mortgage say the Abbey. The reason is obvious – their monthly payments are much less. For example, a £125,000 interest only mortgage at an interest rate of 5% and repayable in 25 years time, costs £525 per month - but on a repayment basis the monthly cost rises by £210 to £735 per month. Understandably, this level of cash saving has proved highly popular with first time buyers struggling to...
45.	Bookmarks: 0	Long Term Saving Versus The Forex Long term savings plans will often be a very sound investment as we will see in this article.Although Forex can make you much more in a smaller amount of time – but there is more risk attached.Our American economy is a free economy, and it operates on the principle that if we leave the factors of production alone, without government interference (and by factors of production we mean land, labor and capital) so long as the game is played fairly and honestly, those fact...
46.	Bookmarks: 10	Saving Money Is The Slow Path To Financial Freedom Getting a job and not spending all the money each month is the slowest, hardest, and least efficient way to build up a big pile of money. Saving money is a worthwhile net worth building activity, but it doesn’t offer much more than that unless your goal is only to have a little cash at the ever-increasing age of retirement. This is because wages are the most heavily taxed source of income. Income taxes (federal, state, and social security) choke off about 35% of this earn...
47.	Bookmarks: 2	Savings account: A great tool to save money Meant to encourage the habit of saving money amongst people, a savings bank account not only ensures safe keeping of your funds, it also helps you keep your expenses under control.
48.	Bookmarks: 1	Outsourcing Work – An Effective Approach to Business Profit and Growth Outsourcing business and IT projects to India has become a favored trend these days. Both large and small business holders across the world is saving huge sum by outsourcing their projects to India. This article is the analysis of how effective outsourcing process is and how to approach for the same.
49.	Bookmarks: 4	Leverage Is The Only Way To Wealth Large amounts of money aren't created by having a career and saving money.
50.	Bookmarks: 6	Healthcare Help For Entrepreneurs? Health Savings Accounts-What They Are And Why They Work If you are in business for yourself, you have probably already discovered that individual health insurance is extremely cost-prohibitive. You may think paying outrageous fees is your only option. Or even that you can’t afford health coverage at all.What Are Health Savings Accounts?A Health Savings Account (HSA) is an insurance policy that was actually designed with the self-employed and the small business owner in mind. According to Mark Baker, HSA specialist for Gold...
51.	Bookmarks: 2	The Abcs Of The Stock Market A recent study indicates that Americans are saving less these days than they were 10 years ago, except for entrepreneurs and corporate executive and in one particular segment – young middle-managers who are about six to 10 years into their careers and only beginning to make headway into the higher echelons of their particular industry.Are you one of these people? If you are, then chances are that you are currently in the process of planning or expanding your base of inves...
52.	Bookmarks: 12	Three Steps To Budgeting Summer time is the best time to get your finanical house in order. After all, we're past the tax season scramble and can focus on our financial goals before we get hit with holiday spending.It's never to late to get started on your financial goals. Perhaps you want to make this year the year you become debt free or you're saving for a major purchase like a home or planning a wedding. While many online entrepreneurs understand the importance of getting professional help wh...
53.	Bookmarks: 5	The Ultimate Tax Planning Strategy Every dollar that you can rescue from taxes can be put to use to grow your wealth; here is a concept to create the most beneficial deductions.
54.	Bookmarks: 8	Retirement Plans for Solo Entrepreneurs Saving for retirement is even more important for solo-entrepreneurs because you don’t have a company sponsored pension plan or matching 401K contributions to rely on. There are many retirement plans available to self employed individuals and small businesses. Which one is right for you?
55.	Bookmarks: 2	6 Ways To Fund Your New Business I’m often asked: what is the best way to finance a new business venture. This question is usually followed by So, do you ever invest in new business ventures?The answers, respectively, are: 1. there is no best way to fund a new business; and 2. I do invest in new business ventures, but darn it I can’t today because I left my checkbook in my other suit.The truth is there are a variety of ways to finance a new business and which way is best for you depends totally o...
56.	Bookmarks: 4	How to Save Thousands with an S Corporation Ever wondered why more than three million business owners and entrepreneurs operate their firms as S corporations? Because they save thousands annually in taxes. Want to know how to get your fair share of these tax savings? Read tax professor and CPA Stephen L. Nelson's down-to-earth explanation of how an S corporation saves business owners money.
57.	Bookmarks: 23	Home Buying - 3 Money Saving Secrets Home buying is about getting the right home for you, but it can't hurt to save a few thousand too. Do you know the basic ways to do that?
58.	Bookmarks: 0	Save Online, Try The Online Savings Account Savings account is account deposited that is only intended to stay in the bank for a relatively shorter time span. This account usually offers much lower interest rates than most bank accounts. But still, like many other accounts, it accumulates interests. The rate of which is largely dependent on the conditions provided by the bank. Savings accounts are normally maintained by commercial banks, credit unions, loans and savings associations, and some mutual savings bank th...
59.	Bookmarks: 3	10 Tools A Work At Home Newbie Can Use to Leverage Your Way to Success Are you new to the home based business industry? Trying you become more productive? Save yourself time by using these proven time saving tools to make your life easier and add to your bottom line.
60.	Bookmarks: 0	The Ultimate Wealth Building System Most people search for the ultimate wealth building system for most of their lives. It may surprise you to know that you own half of it the day you are born.What half do you own? It’s your ability to make money. No matter what your education level or skill level, you have income earning power. Want to hear the good news about that and how it connects you to the ultimate wealth building system?It’s not how much you make; it’s what you do with it that determines your fi...
61.	Bookmarks: 7	The Threshold between Wealth Creation & Destruction Every dollar that passes through your hands offers you the choice of creating or destroying wealth for yourself.
62.	Bookmarks: 0	How A Millionaire Manages One Dollar If you don’t know how manage a million dollars, I guarantee that the money will quickly disappear if I wrote you a giant check right now. Precisely like 90% of lottery winners that go bust within five years, they didn’t have the basic discipline or the formula to handle the money that would have created a financial foundation that would last for generations. Learn how to manage a single dollar so that you can move up to the financial big-leagues on your own. Give a millio...
63.	Bookmarks: 1	Compound Interest Doesn’t Add Much To Your Wealth A financial plan for a comfortable retirement better not be based upon compounded returns.
64.	Bookmarks: 1	Chew slowly and digest the rules It’s hard to understand all of “the rules” and fine print on all of our policies since we have limited time. But it’s imperative you take the time to become familiar with your coverage
65.	Bookmarks: 0	Budget Is Not A Dirty Word Ever gotten that gut wrenching fear in the pit of your belly or that feeling of anger and despair when you thought of making a budget? Then chances are you’ve never looked up the word in a good dictionary and learned all about what this word means, and how you can use that to your financial advantage.Here’s the good news: living on a budget does not mean you have to cut back on the quality of the things you buy or deny yourself anything fun. What it does mean, is that you...
66.	Bookmarks: 0	6 Proven Wealth Building Strategies Building wealth is as simple as saving a little bit here and a little bit there. You need not have great riches in order to accumulate wealth, but you need to have the drive, determination, and discipline to successfully increase your wealth. Let’s look at 6 proven wealth building strategies you can put into use.
67.	Bookmarks: 0	Work At Home Moms - Save Money This Holiday Season Saving money is the same as making money, in my opinion. Either way, you'll have more money in your bank account. Here are a few ideas to help you save money this holiday season as well as earn a little extra cash. I hope these help give you some hope heading into the holidays.
68.	Bookmarks: 0	Five Budget Tips to Help You Save Saving money is much easier than earning it from scratch. But it is also much harder than it is to spend money, and as a result, most of us spend what we would rather save. In order to begin saving money, we need to have a plan, and the more automatic the plan works, the better.
69.	Bookmarks: 0	Learn Speed Reading --- Read Faster --- Read Better Let’s face it, the ability to read faster, and still comprehend what you’re reading, is an essential skill in today’s fast moving environment. We must read extensively if we want to be successful in our studies, or careers.There’s no doubt, learning to speed read is probably the most valuable and time saving skill you can acquire. Frankly, under today's information pressures you must read faster and read better if you are to get ahead at all.Of course, some people wil...
70.	Bookmarks: 0	How To Compare Bank Accounts And Savings Accounts When you are putting your hard earned cash into a bank account, you need to know that you are going to get the best deal you can. For that reason you need to very carefully compare bank accounts and compare savings accounts on offer. Basically, there are two kinds of bank accounts for managing money on an everyday basis: a basic account and a current account. There is also a savings account for managing money on a long-term basis.If you are worried that you may not be abl...
71.	Bookmarks: 0	Savings Accounts - Professional Advice When it comes to savings, you may well find yourself daunted by the sheer variety of ways to invest your money. Particularly if you find yourself with a substantial amount to invest, and are less than confident at dealing with things like the stock market, bonds and trusts, you’re likely to gain from professional expertise.
72.	Bookmarks: 0	Cash Back Card – Buy To Save! Credit card cash back offers have the potential to change the way consumers spend their money. Who would have thought that you could get money just by spending some? With banks rolling out credit card rebates, saving has turned out to be the latest aspect of buying. Consumers can now choose from a wide choice of rebate credit cards according to their specific needs.Cash Back Card – What Are They All About?A cash back card is ideal for shopaholics! The promise of getti...
73.	Bookmarks: 0	The Secret Of Saving Money Commitment, along with patience, is very essential if you want to save money in a profitable manner. It is essential to save while you can, to avoid panicking in a sudden emergency. Money saved is a security that only adds to your level of confidence and quality of life. There are some basic money saving steps that you could follow, from the beginning, to avoid financial problems in the future.Set financial goals:It is important to get a clear idea of your current fin...
74.	Bookmarks: 0	Is an Independent Advisor Right for You? The process of managing personal finances is both time-consuming and complex. According to the 2005 Employee Benefit Research Institute's Retirement Confidence Survey, 55 percent of workers said they were behind schedule in retirement savings. With so many different companies offering a range of products and services, it's hard to know where to turn for financial advice.
75.	Bookmarks: 0	Do you have good posture? When I started saving, I wasn’t saving much.
76.	Bookmarks: 0	Savings Code Tracker The Savings Code Tracker savings learning software will help you teach your children about how to save their money and make their savings grow.
77.	Bookmarks: 0	Marriage Saving Advice: Have A Soul Connection With Your Spouse Even If All Seems Lost Many of us realize that marriage is not the easiest relationship in the world, but why is it so hard? Unless we adopt children, the only relatives that we get to choose are our spouses. Seems like it should work out, right? We can not change our parents or choose new siblings, but marriage-- ahh that's a whole different thing.Marriage brings out the best and the worst in a person's character and shows us what we are capable of doing, both positive and negative. This speci...
78.	Bookmarks: 0	Health Insurance Needs Worry Older Americans Nearly 70 percent of older Americans endorse the concept of individual health savings accounts to help cover medical expenses in their later years, a new survey finds.
79.	Bookmarks: 0	Good Stock Buys are the ones that make you more money than leaving it in the savings account! You don't have to be a financial wizard to know that your money isn't going to earn a very high return sitting nice and safely in your local bank or credit union. Of course, there's a lot to be said for not having to worry about if your money will be waiting for you as banks are notoriously risk adverse. There is also the issue of the federal governments guarantee that you money will be waiting. This is also known as the Federal Deposit Insurance Corporation or FDIC.
80.	Bookmarks: 0	Quit Smoking - It is Your Health Are you searching for a way to quit smoking? Have you tried and failed. Smoking is an extremely dangerous habit, its addictive as well as damaging to most parts of your body. The commitment to quit smoking is a hard decision to make, but it is life altering, and may end up saving your life.
81.	Bookmarks: 0	Home Based Business: Ten Tips For Success: With the cost of living quickly surpassing the wages (we make) necessary to maintain an “average” lifestyle, more and more employees are beginning to seriously consider the option of working from home.Being your own boss, setting and keeping your own hours, keeping all (or most of the proceeds for yourself), saving on travel time and gas, allowing for as much vacation time as “necessary”, it all has its perks. It certainly seems that way, especially for many woman who may...
82.	Bookmarks: 0	Objects Of Desire People whose investment horizons are limited to the likes of stocks, real estate or gold may not give a second thought to amulets, but in Thailand it's a flourishing trade with an estimated market value of 10 billion Baht.Collecting amulets and other sacred items is a centuries-old tradition, some of it founded on Buddhist religious beliefs, some of it linked to superstitions. In the past it was a low-profile activity but in recent years it's become very mainstream.Wa...
83.	Bookmarks: 19	The Almost Hidden World Of Online Savings Many people could not enter the almost hidden world of online savings if they did not own a personal computer. The computer that is used on a daily basis by many online shoppers probably had many deep discounts attached to it at the time of purchase and shoppers found additional bargains through online savings outlets and through other places too.
84.	Bookmarks: 9	Hydroponics Gardening - How to Grow Flowers and Vegetables with Minimal Time and Effort Did you know that you can still grow your own beautiful flowers and vegetables, without having to spend many hours every week looking after your garden?If you want a garden but only have limited time to look after it, hydroponics is a great option. Hydroponics gardening has many time-saving advantages over conventional gardening methods.
85.	Bookmarks: 1	Easy Water Saving During Water Shortage Global warming and rising sea levels, yet a water shortage.As the earth heats up and the ice caps melt, the sea levels start to rise - and what do we have - hose-pipe bans and a situation of water, water everywhere and not a drop to drink!After every long winter, the warm and sunny weather finally arrives - together with hose-pipe bans for many of us. I am lucky to live in an area that has not banned the use of hose-pipes, but because I have a water meter, I am very...
86.	Bookmarks: 7	Do You Have Enough Hobbies To Ensure An Enjoyable Retirement? Even if you’ve been saving your money since you were in grade school, that may not be enough to have an enjoyable retirement. Of course having enough money put away is the number one factor as to whether or not you’ll maintain your desired lifestyle once you stop working. But don’t overlook the small stuff. Does sitting in front of the TV sound like a fulfilling way to live, day in and day out? You’ll need something engaging to do with your free time and remember you wil...
87.	Bookmarks: 2	An Introduction to No-Dig Gardening The idea of no-dig gardening was developed by an Australian named Esther Deans. It was originally both developed both as a labor saving idea, and a method to rejuvenate badly depleted soil in a vegetable garden.
88.	Bookmarks: 2	All About Riding Lawn Mowers Most riding lawn mowers are machines fun to ride and extremely cool to look at. However, they are just a dream for many gardeners who can not afford one of these powerful gardening equipment. A riding mower can be a practical time saving machine for professionals as well as for beginner or amateur landscapers. If you are on of those homeowners, lucky to maintain a large yard, it can be a good idea to invest in a riding mower.Basics of lawn mowersWe will explain first ...
89.	Bookmarks: 2	The Daily Journey Of A Day Trader - What Prompted Me To Trade Shares For A Living Having first dabbled in shares in about 1994 as a way of bettering my C&G savings account, I knew I could do it and would find it interesting (made 24% in year one and 20.4% year two, using only teletext, Investors Chronicle and no computer).I had always fancied quitting paid employment by 50. That was looking like a pipedream, as i never made any surplus cash from any job I ever had (never volunteered to do overtime, never chased bonuses - preferred gardening).At 49 ...
90.	Bookmarks: 1	Love to garden but short on money? Here’s 10 money saving ideas. A great perk of organic gardening is finding different ways to achieve the same or improved result.Many items that are normally binned can be of great use to the outdoor enthusiast. Here are ten ideas that won’t cost you anything.
91.	Bookmarks: 3	Merchants Earn More After Affiliate Marketing An attraction of affiliate marketing is the savings that the merchant will gain when he no longer conducts his own advertising and publicity. Some merchants, who already have a well-established affiliate marketing program, no longer bother to conduct any activity that will lead to more sales. Such may not impair the current sales of the online business, but it failed to tap into another avenue of selling that can increase the revenue of the online business.Thus, the merch...
92.	Bookmarks: 0	Where To Find Used Golf Equipment Just because you are on a budget doesn't mean you can't take up the game of golf. While there are many types of expensive golf equipment and accessories out there, you can find used equipment online, in used sporting goods stores, through classifieds, and from friends and family. If the majority of your money will be spent on instructors and playing at different golf courses, saving money on equipment can help you stay within your budget.Common items you can find used inc...
93.	Bookmarks: 0	Using A Golf Fitness Video Will Save Time And Improve Your Game Using a golf fitness video is a great alternative to going to a gym. Just think of the time you’re saving not worrying about what you where or how you look; or driving 20 to 30 minutes to your local gym; and then showering, changing and getting back home.
94.	Bookmarks: 0	Small Engine Rebuild Kits: Saving Money With a Kohler Repower Kit Golf course equipment can be expensive to replace. This article describes how repowering golf course equipment, like those made by Toro, with a Kohler or Briggs Stratton repower kit can save money and improve performance.
95.	Bookmarks: 0	Saving Money On Golf Equipment Every year, with the first hint of spring, thousands of golfers dig out their golf equipment and head off to do battle with the course, their opponents, their innermost demons and, invariably, their golf equipment. Golf is a game where even the lucky few in the professional ranks search endlessly for extra yardage, the perfect bunker shot, and the inch perfect putt, so for those of us at club level any technological advantage is well worth having. Key to realizing many of the...
96.	Bookmarks: 0	Save On Golf Clubs Bag a great deal on golf clubs with help from the Internet. Cyberspace is a vast world of sites to help you save on the things you need. With virtually billions of online retailers, competition is fierce and the potential for big savings is huge.Online retailers can help you save on golf clubs because they need to undercut real world retailers. Big block stores can offer some good bargains, but surfing the net will usually get you a better deal. Rock bottom prices are av...
97.	Bookmarks: 0	Repowering Golf Carts Using A Rebuild Kit: The Cost-Saving Choice Reducing costs is important to golf course facilities managers just as much as it is to any golfer. This article describes how course managers and golfers can reduce replacement costs on their golf carts, golf course mowers and hauling trucksters by using a small engine rebuild kit rather than replacing the equipment.
98.	Bookmarks: 0	How To Find Golf Club Discounts When you are able to take advantage of golf club discounts, you will be saving money and feeling terrific about your recent purchase. There are so many stores, including both retail and wholesale, that offer golf clubs. You may be asking yourself a number of questions. How will I ever find the best price? Who is telling the truth when every store claims to have the lowest price? What if I don’t have a lot of cash, but I really want to purchase a set of golf clubs for myself o...
99.	Bookmarks: 0	How save and make money The problem with most peoples finances today is that they are not getting enough income to satisfy their needs and wants.
100.	Bookmarks: 0	Five Money-Saving Travel Tips for Small Businesses Small businesses often need every break and discount they can get, and traveling can be one of the most costly areas for small businesses. Unfortunately, many of the best travel advantages only go to big businesses.