June 2016


Reward Yourself with Small Savings Goals

Just about every financial planner recommends having liquid savings equal to three months living expenses. This is often referred to as an emergency fund.  This fund is intended to be accessed after the unexpected loss of a job. Once you have a plan in place for retirement savings and are methodically executing it, considering developing a plan for short term savings. This is often referred to an incremental saving.  Your short term savings objectives can be for just about anything you elect. Follow these tips for developing a successful incremental savings plan.

There are typically two options for saving money. The first is to direct income to a short term savings account. The second is to forfeit a designated amount of discretionary spending and re-directing that to a savings account.  Are you ready to skip that expensive daily latte? Consider the fact that in doing so, nearly $120 a month can be stashed into your incremental savings fund.  Purchase a quality travel mug and make the coffee just as you like it at home.

Some people elect to use the incremental savings for services or special purchases.  Consider purchasing several sessions with a quality reflexology therapist. There are abundant choices in the greater New York City area of qualified reflexology therapists. Reflexology is a deep tissue massage that focuses on pressure points on the feet and hands.  It’s a great way to relieve stress and relax the entire body.

Other options for incremental savings objectives can be vacations, gifts or even a Christmas fund. By developing the discipline to reserve a portion of your income, or eliminate certain discretionary spending items, smaller financial objectives and rewards can be met without the horrible hangover of credit card debt.

Like most goals, the key to success is not only self-discipline, but also writing down your financial goals and objectives.  Whether it’s a sticky note or a spreadsheet, actually putting your goals to paper where they can be seen and read daily is a huge motivation to sticking to your financial goals and enjoy the rewards when you meet your objective.  Good luck to you!


read more

Money Saving Tips

There are countless families across the world that are looking to save money wherever they can and you may be in the same boat as them. Whether you are looking to have more money to spend on your debt, save for a future purchase, or generally want more money, there are a few ways that you can get ahead and keep more money in your bank account.

The first thing that you can do is cut out extra spending. This may be difficult, especially if you are younger, but that means that you will need to cut out on some social activities. Instead of going out to dinner with a group of friends, you may have to stay in and have a dinner in your apartment. Similarly, you might have to reevaluate how much you spend on activities like going out to the bars, movie theaters and concerts. It won’t always be easy, but social spending is one of the easiest ways you can save money in the long run. You can take the money that you would have spent on those activities and apply it to your bills.

Another great way you can save extra money is by finding deals on the items that you purchase every day. You may remember your mother cutting coupons out of the Sunday paper and there’s no reason that you can’t start doing the same. Search online for great deals and coupons at the retailers that you frequent. Coupons and deals don’t have to be limited to grocery stores though, you can find deals on things you need such as clothing. A retailer like Groupon Coupons page for Rue21 offers great deals on the season’s hottest clothing. By searching for deals you can look good while saving a lot of money in the long run.

No matter what you plan on saving for it is important that you start immediate and fully commit to the process of saving. If you feel that it is too difficult, think of the reason that you are saving in the first place and how much better you will feel once you finally reach your goal.

read more

Sponsoring a Needy Child is Easy and a Perfect Example of Altruism

When we view pictures and video of needy children in very poor countries on our television sets, we may wonder if our small donation will really make a difference. By all accounts, even a small amount of money each month can make a huge impact in the lives of children such as these, thanks in part to numerous organisations that allow people to sponsor a child with small monthly donations. These funds are used for a variety of purposes, and thanks to the efforts of these types of organisations, a little money can go a long way when purchasing food and other supplies. Information on sponsoring a child can be found on the internet, and companies that offer this service make it simple and quick to help make a young child’s life better.

Organisations Help You Decide Which Child to Choose

Organisations that help needy children work hard to use most of the funds they receive for the direct care of these children, and only a small amount of the funds donated go towards administrative costs. People can choose whom they want to sponsor or let the organisation choose for them. Individuals can select to sponsor a boy or a girl, from the age of one up to 12 years, and from countries that include Vietnam, Timor Leste, Sri Lanka and Kenya. At any given time, there are thousands of children who need to be sponsored, so the need is great, and visiting these organisations’ websites is the perfect place to start if you are interested in sponsoring a child.

Sponsoring a Needy Child1

Where exactly does your sponsorship money go? Many people are curious about this, but the fact is, the answer is simple. Most of the money goes towards things like food, clean water, school supplies like textbooks and pencils, healthcare needs like immunizations, and various ways to help the community improve their overall lives. One of the advantages of helping a needy child is that this act also helps the community they live in, and can improve the community’s overall physical and emotional health and well-being.

Altruism at Its Best

Of course, one of the best aspects of sponsoring a child is the feeling it gives you of making a difference in someone’s life, someone who desperately needs your help. In return, the sponsor receives pictures of and letters from the child, annual progress reports, a magnetic photo frame for your sponsored child’s photograph to go in, and even Christmas and birthday cards to send to your sponsored child. And, since the cost of sponsoring a child is so low, many people sponsor more than one child, which is always a rewarding feat.

Sponsoring a Needy Child2

Most of the organisations that help you sponsor a child have comprehensive websites that will answer any questions you may have. When you sponsor a child, you can view a full-colour photograph and profile containing all of his demographic information. Sponsoring a child is a rewarding experience, but more importantly, it helps a desperately needy child and his family break free from the constraints of poverty and live a more fulfilling life.

read more

Everything You Must Know About Retail Credit Cards

Retail credit cards are amazing for more reasons that one. As a customer, it can be rather overwhelming to find so many offers being made at the same time. However, being prudent and smart is the key to making the most of such store credit cards. In this post, we will talk of a few things worth knowing.

Knowing the facts

Unlike regular credit cards, it is possible to get store credit cards on a bad score, and in most cases, the company will push you for getting one, especially when you are a regular customer. However, it is always a good idea to consider the different aspects that matter. The most crucial element is the interest rate, which should be extremely affordable. Always note the fact that interest rate is going to be stagnant and must be paid, where as the offers and benefits can differ in many ways. Also, it isn’t a smart move to apply for more than one card at a time. You need to compare and evaluate as how a retail card may impact your credit score and compare the same with other options. You can also find a lot of other ideas at

The advantages

If you are interested in amazing discounts, retail cards are meant just for you. You can find a lot of regular discounts and special offers, which are often limited to the card holders. There are special packages meant for first time users, which is called the introductory offer. In case you are looking for personal shopping, these cards can help you save a lot, especially in the holiday season. The advantage of getting a card on a bad score is also something that you cannot ignore.

On the flip side

The main concern is interest rates, which often tends to be on the higher side, and most customers also fail to look at the same at the time of applying. It is best to look beyond discounts, which can be pretty much convincing, but in the long run, you may end up paying more for interest as compared to the passing savings. Some of the companies have earned a bad name of offering higher rates, which are also accompanied by other hidden costs. Also, if you intend to use the card recklessly and end up abusing the privileges, there may be serious issues with the credit score, which can be damaging in more ways than one.

Retail credit cards offer a number of benefits, especially when you shop frequently and pay the bills on time. However, as a customer, you need to be extra careful with the interest, overall offers and final aspects, both in short and long term. It is always a good idea to ensure that the terms and conditions are as clear as possible and there are no hidden charges. If you have any doubts, do not submit the form right away. Instead, just get as many details and facts as possible to avoid unwanted hassles.

Author Bio:  As one of the experts on bettering credit scores, Willie DeJarnette has come a long way as a writer and blogger and is associated with many blogs and websites


read more

Top Tips for Choosing a Public Adjuster

If you think that your insurance company is not moving fast with your claim check and that is delaying your restoration work at home, you should hire a public adjuster. They take up all the duties necessary to get your claim processed and present your case to the insurance company. A good adjuster will ensure that you receive the maximum amount of a claim that can get.

Here are a few useful tips to help you choose a professional and reliable public insurance adjuster –

  • The first thing you need to check is if the public adjuster is licensed by the state. Ask for their license number and verify it before moving forward. In addition, ask for his or her background and experience in this line of work. This will help you determine their expertise and their skill sets that can be of great help to you.

Public Adjuster13

  • Most of the businesses today will have a website of their own and this is the best way to do your research and get information about them. By looking at their website, you will be able to know who works for the business, get testimonials from their past clients, case studies and also free resources to help you understand your insurance claim. You can also check out online reviews to see if they had any complaints registered against them or not.
  • When you meet the adjuster for the first time, you should not shy away from asking them about their business. Some of the important things that you should ask upfront includes their experience level, are they bonded and insured, do they have experience in making this type of claim and should you be communicating with the insurance company directly or it will be only through them. A good adjuster will answer each of the questions patiently and will not rush you into hiring them.
  • Most of the public adjuster will provide you free evaluation of your claim. You should also discuss the details regarding their fees and the contract terms.

Public Adjuster12

  • Ensure that you set expectations from them on how you will receive updates on your claim. Ask them how they would be communicating you and how often. Insist on receiving copies of all the estimates and correspondence with the insurance company so that you are informed at every step.
  • You should educate yourself and know about public adjusters and the services that they offer. You should also know the difference between a public adjuster and contractor. You should also research on the laws of the state

Experienced public insurance adjusters like are experienced in their field and provide their clients with resources that help them in a negotiating a higher settlement.

read more

Health Insurance for Pets is Just as Important as It Is for Humans

Health insurance for pets is just as important as insurance for people, because pets get sick just like we do. We can take it for granted that our pets are healthy, but on the occasions where they do become ill, it can be as serious as it is for humans. After all, pets, too, have illnesses such as diabetes and cancer, and often need x-rays, prescription medication, and even surgery. Regardless of our pet’s current health, all pet owners should consider taking out health insurance so that when they do become ill or need to see a veterinarian for some reason, the cost of the service will not take them by surprise. Much like “people” insurance, insurance for cats and dogs is offered by a variety of professional companies that have different policies for medical situations that will fit anyone’s preferences and even budget. Best of all, these companies are usually found on the Internet, which makes it easy and fast to purchase the policy you need.

Types of Insurance Vary According to Need

When it comes to health insurance for your cat or dog, you will find a wide selection of policies available. Most policies cover basic wellness and sick care, as well as lab costs, surgery, medications, and more. The main differences lie in the limits on the benefits you receive each year. Most of them also require an access fee, which is usually no more than $200, and will pay 80% of your veterinarian bill. The annual benefit limits range from $8,000 to over $15,000, which is appropriate for most pet owners.

In addition, pet insurance covers items such as basic illness, surgery, injury, tick paralysis, and infectious diseases, to name a few, as well as fees for emergency boarding and care for the pets if you are travelling overseas. There is usually a 30-day waiting period attached to most policies, but once that time frame is up, most pet owners find their policy well worth the cost.

Pets 1

Advantages to Keeping an Insurance Policy for Your Pets

For obvious reasons, pets need health insurance just like humans do. Insurance policies save the pet owner a lot of money, and gives you the peace of mind that only comes with knowing your pet will be well taken care of if he is injured or gets a serious illness. Most insurance companies even offer discounts for additional pets that are insured, and will provide explicit details regarding their policies on their websites. By going online, you can find out everything you need to know about the companies’ insurance policies so that you can compare different ones and choose the one that is right for you.

When you have a cat or dog, that pet is likely considered a family member in your home. Therefore, it is crucial to give him the best care available at all times, and this includes the option of purchasing high-quality health insurance that will provide for all of his needs, in sickness and in health.

read more

How Good CPA Course would help you to clear the Exam

Preparing for the CPA exam has been a tough task. In case, you do it without a good CPA course, you would be in for lot of trouble. Although, it has been deemed most critical of the CPA requirements, the passing rate of the CPA in Houston exam has been one of the lowest among all professional exams. Moreover, a good CPA course could help you become one of the few who would clear the exam on their first attempt.

CPA Course

Various courses compiled

Several organizations have realized the need for essential CPA courses and as a result, they have compiled various CPA courses and test programs. These programs would assist candidates in preparing for and clearing the Texas CPA exam. Some of these courses have been self-study courses, both in text or interactive form. Whereas, other courses have been mainly interactive courses, which is either through multi-media interaction or interaction with a real human being.

CPA Course1

The reason for taking CPA courses

There would be no doubt that a CPA course would give you an upper hand over the rest of the candidates taking the exam. It has been statistically proven that people who take a credible CPA course would be 90% more likely to pass the CPA exam on their first try. You too would want to pass the first time, as retaking would not only be demanding on your time and life, but it also is mentally draining and highly expensive.

CPA Course

Go through CPA review courses

CPA review courses have been extremely effective, because they have been offered in several modes of learning. Therefore, you could choose a mode that would fit your learning preference in the best form. For instance, if you want to have one on one interaction, you could sign up for a local review course that would be taught by a real human being.

read more