But unless at least 20% of your daily calories come from stolen condiments, according to Phil Villarreal in his book, Secrets of a Stingy Scoundrel: 100 Dirty Little Money-Grubbing Secrets, you aren’t doing nearly enough.
What’s the first thing you look for when you get to the cash register and dig into your purse or pull out your wallet? Are you still writing personal checks, do you whip out a plastic card, or is it cold hard cash?
If you’re like the majority of Americans, you probably pay with some type of electronic payment. According the Federal Reserve, more than three-quarters of all non-cash payments are now electronic. That includes credit, debit, prepaid cards, ATM and Automated Clearing House (ACH) payments.
Telecommuting and virtual offices are becoming more popular, but unfortunately, unemployment and underemployment are still very common as well. With the two worlds colliding, people looking for work or extra cash are becoming increasingly vulnerable to work from home scams and get rich quick schemes.
When trends like these emerge, new scams surface to take advantage of people — trying to rob you while you’re just trying to make a living. You might think you’re smart enough to detect obvious scams and ignore them, but schemers have mastered manipulation techniques. They know exactly what to say to victims to get in your pockets. By staying on top of the latest specific scams and signals, you can stay out of trouble.
Health care reform may give hope to millions of uninsured Americans. They’re waiting eagerly for their chance to get affordable health insurance coverage for themselves and their families. At the same time, unfortunately, schemers and crooks are willing to take advantage of uninsured people’s vulnerabilities and exploit them by offering bogus insurance policies.
Scam artists follow the news and understand the public’s hopes and expectations. When they try to manipulate people, they often use popular terms and buzzwords like “Obamacare” and “health care reform.” Just dropping these words often helps them gain trust and credibility with their victims.
Silver fell to $10 lows in 2008 and rocketed to almost $31 highs at the end of 2010.
So, what are some silver price forecasts and predictions for 2012?
Let’s look at both sides of the freshly minted coin to study heads and tails of this issue.
Reasons For a High Silver Price Forecast
Silver bulls have an easy argument rooted in simple economics: supply and demand drives market prices. What happens when supply goes down and demand goes up? Prices skyrocket!
Here are a few things that affect supply and demand in this market:
Every once in a while, everyone wants to make a major life improvement. That longing for change can be created by many things: bad health, bad relationships, bad jobs, or bad money habits. I use the term “bad” loosely, because even mildly bothersome aspects of life can drive people to seek big changes, especially in finance.
I believe that what we think has a lot to do with what becomes reality. When I’ve tried to lose weight, just making an effort to think about losing weight caused me to be more conscious of what I was eating and how much I was working out. The same goes for money. When I’m thinking about being better with money, I find myself being better with money. The power of thought itself in creating change is invaluable.
January 1st has come and gone, and those New Year’s resolutions you made are now a fading memory (admit it, the number on your scale probably hasn’t budged).
But the year’s not over yet, and it’s not too late to set new goals – and actually stick to them.
Here are 5 financial goals that everyone can achieve, as long as you have a plan. If you haven’t already, check out the money moves you should make at the beginning of each year. Those will all apply here as you get started on your renewed goals.
New investors may be a little tepid about investing in the stock market. After all, buying a stock can seem really scary because there are so many things to keep track of.
To help you get a better understanding of the stock market, take a look at these 3 key factors to consider before making any investments in a company stock.
Price is the number one factor to consider when you’re making any investing decision. It doesn’t matter if you’re buying a stock, bond, mutual fund, commodity, or real estate. The price that you pay for an investment will determine whether it is a winning or losing bet. Here is a perfect example to illustrate that point.
Whether you’re recently dealing with unemployment or job loss, or you’ve been sending out resumes for a while, heading back to school can be a great way to update your skills (i.e. make yourself more marketable in the job market), get health insurance, network with others, and start feeling productive again. Be careful, though, because you can also pile up debt, waste your time on unnecessary courses, and even lose your unemployment benefits in the process.
Before rushing back into the schoolyard, educate yourself on your options and the six potential pitfalls of returning to the classroom.
Growing up with a “frugal” father, I have many winter memories of being huddled around the kerosene heater trying to get as warm as possible before sprinting toward my bedroom and diving under 8 layers of blankets in order to stay warm at night. Dad refused to set the thermostat higher than 66 degrees, even when there were 4 feet of snow on the ground outside.
I swore when I had a house of my own, I’d always keep it at a comfortable temperature. But with the rising gas prices this year – and a $400 heating bill last month – I finally understand my dad’s stubbornness. In honor of him (and to help you reduce your utility bill), here are 9 tips to keep warm without touching your thermostat this winter.