This time of year, it’s really hard to be cooped up inside when the weather is so nice and warm, birds are chirping and…*tweet tweet* hey look at that bird!…boy it’s sunny out there, maybe I’ll go wash my car…oh wait, what was I doing again? Oh right!..It’s really hard to avoid distractions with so much activity going on during the summertime.
You’ve likely heard the horror stories of people who lost their jobs or faced another life-altering event that caused them to fall behind on their credit card payments. This usually results in plummeting credit scores, which can lead to the inability to buy a car, home, or other large-ticket item through financing. In addition, it can substantially increase interest rates on existing credit cards and make getting new ones nearly impossible.
That’s why so many people have signed up for credit debt protection plans, which are offered by all of the major credit card issuers. Another reason people sign up is because they don’t want their families to suffer financially in the event that they die.
In an effort to save money for my wedding, I asked my sister-in-law to apply my make-up. The only problem? I’m a low-maintenance girl, and didn’t own a lot of make-up. So I went to a cosmetics counter and ended up spending more than $200 on new make-up just for my wedding.
The lesson? Make-up application isn’t the only expense when it comes to looking gorgeous for your big day. Sometimes in saving money on the application, you can actually spend more on the make-up itself! Don’t make the same mistake I did. Here are 10 ways to save on both the make-up and the makeover for your wedding:
Financial derivatives, such as stock options, are complex trading tools that allow investors to create many trading strategies that they would otherwise not be able to execute using primary securities (i.e. stocks and bonds). The practice of using derivatives to develop new strategies is an example of financial engineering and these strategies can be very profitable for investors.
One strategy that has become increasingly popular is known as the “strangle.”
When it comes to Realtors, personalities and skill levels run the gamut. I’ve worked with two real estate agents in my life, and the second one far exceeded the first when it came to friendliness, marketing savvy, and overall skill.
There are over 1.3 million Realtors in the U.S. Remarkably, over 80% of them quit in just their first year. Out of the 20% that do make it, another 80% of them will quit within five years.
Selling real estate is hard work, which is why choosing the right agent can make the difference between failure and success for you, whether you’re buying or selling.
Every other week, it seems there’s a new fringe group forecasting the end of the world as we know it. But even for those who don’t believe the apocalypse is imminent, there are plenty of reasons to worry about the future. The employment market isn’t recovering at a very rapid pace, and for many, the threat of unemployment and job loss is real.
And, of course, rising food prices have been a hot topic as a result of natural disasters, unexpected weather patterns, and inflation. With these very real concerns weighing on your mind, you don’t have to be a survivalist to see the value of increased self-reliance. One of the best strategies to prepare for an uncertain economic future is to create a long-term home food storage system.
It’s inevitable: You’re enjoying a meal, perhaps gnawing on a barbecued spare rib, and you chip a tooth. Or you wake up in the middle of the night in agony thanks to a cavity that’s made its presence known. If you’ve had fillings, root canals, crowns, bridges, caps, or extractions, you know that the costs are sky-high for these dental procedures. But if you’ve always had good, healthy teeth and gums, unexpected dental work could really put a dent in your budget.
Without a doubt, spring and summer is the busiest home buying season of the year. And with housing prices still falling in most parts of the country, buyers are blessed with plenty of affordable options yet again.
The problem is that many first-time home buyers jump into home ownership too soon. Yes, there are some incredible bargains out there, and it’s been decades since home prices were this low. But, are you truly ready to buy a house? Can you afford it?
Scan the furniture section of Craigslist, check out a yard or garage sale, or walk through the local flea market – you’ll see a plethora of gently (or not so gently) used bureaus (i.e. chest of drawers) to choose from. Instead of paying outrageous prices for high-end, specialty furniture, why not take advantage of these vintage finds?
As long as the basic style works with your space, there are a number of great ways to re-purpose an old bureau. Refinish and add new hardware to your second-hand find for a more modern spin, or leave it as is for a shabby sheik look. The sky’s the limit when it comes to creating your own, custom piece.
With a good tenant, you can sleep easy at night as a landlord knowing the rent will get paid and the property will stay relatively undamaged. With a bad tenant, on the other hand, you’re left to wonder about the state of your investment while fielding calls from angry neighbors.
The problem is that any prospective tenant can act like the best tenant in the world during the initial walk-through. But if you want to make sure you’re getting the best renter, it’s important to screen every prospective tenant thoroughly before allowing them to sign a lease.