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What to Do After a Car Accident – Injuries, Damages & Insurance Claims

By Jacqueline Curtis

car accident aftermathI’ve had a valid driver’s license for 11 years with a perfectly clean record – no accidents, no speeding tickets, and not even a warning – so I was completely blindsided the day my SUV was rocked by the sound of a truck colliding into my driver’s side door, almost taking off the front bumper of my car. My kids and I were completely fine, but since it was my first accident, I was in a state of shock as I pulled my car into a nearby parking lot. Oddly, it wasn’t the fear of getting hurt, or the concern for my car that stands out about that day, but the disconcerting feeling of being in unfamiliar territory with no idea what to do. Immediately the other driver was out of his car and at my door, which wouldn’t open from the inside. I had to climb out of the passenger-side door to meet him, and he was ready for a fight. It was then that I had my “baptism by fire” and had to learn how to deal with car accidents, auto insurance, and other drivers.

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Buy Now, Save Later – 5 Upfront Purchases That Save You Money

By Jacqueline Curtis

shopping“Buy Now, Save Later!” It’s one of those slogans a marketing genius once thought up to help push consumers into spending. But as the saying goes, you can’t save money by spending it. So that begs the question: Are preemptive purchases ever truly beneficial?

The answer might actually be yes. While you probably won’t conserve a ton of cash by purchasing shoes simply because they’re on sale this weekend (they’re sure to go on sale again), there may be some purchases that could actually help you hang onto your hard-earned cash in the future. It’s unlikely, however, that these purchases are the ones being advertised with the “Buy Now, Save Later” tagline, so you need to stay sharp and watch for the right opportunities.

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Too Much Stuff? 6 Tips to a Happier, Sustainable Life

By Michael Lewis

electronic wasteMalcolm Forbes is credited with the phrase, “He who has the most toys wins the game.” According to a People magazine article written at the time of his death, his hobbies included the acquisition of wealth and “flaunting what it could buy.”

His memorial service featured displays of his vast collection of art, including antique model boats, toy soldiers, and manuscripts. Forbes owned eight homes around the world including a private island, 2,200 paintings, a 151-foot yacht, and a Boeing 727. He also owned more Russian Imperial Faberge eggs than the Russian government. Since his death, Mr. Forbes’ philosophy has been attacked by both preachers and pundits, some of whom cited the Bible’s question: “What good will it be for a man if he gains the whole world, yet forfeits his soul?”

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5 Health Benefits of Swimming & Water Exercise – How to Get Started

By Laura Williams

water exerciseAccording to SwimToday, 80% of parents never consider enrolling their kids in swim team after they’ve completed swim lessons. And yet swimming is one of the most amazing lifetime sports a person can get involved in, as people of all ages – from 4 to 94 – can take advantage of the incredible fitness benefits it imparts. Clearly not everyone is familiar with why swimming workouts are so fabulous and how to get started.

I spent 13 years of my professional life working in and around swimming pools. That included years of lifeguarding, teaching swim lessons, organizing fitness classes, managing facilities, and working with community members to expand programs and meet needs. I can personally attest to the life-changing health benefits of water exercise.

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5 Health Benefits of Walking Every Day for Exercise

By Laura Williams

walkingWith what seems like thousands of fitness opportunities constantly vying for your attention, it’s easy to lose sight of some of the most basic and effective of them. Walking – a movement that’s as natural as breathing – is one of the best ways to improve your overall health.

While you might find yourself asking, “What’s the trick? How can walking be so effective?” the honest answer is that it’s as simple as putting on your shoes and heading outside.

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Investing in Gold – History, Determining If It’s a Good Investment

By Michael Lewis

goldHumankind’s fascination with gold can be dated back as far as 4000 B.C., and for much of our collective history, possession of gold was a sign of wealth and status restricted solely to governments and nobility. Eventually, the first gold coins are believed to have initially financed long-distance trading around the world – around 500 B.C., Darius the Great of the Persian Empire is thought to have minted the first coin, the “daric,” to facilitate the expansion of his empire and the needs of his army as it moved into foreign territories.

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What Is 3D Printing Technology – How It Works, Applications & Obstacles

By Michael Lewis

3d printingNeed a new shoulder joint, a gun, or that tiny little part that fits inside your child’s toy? 3D printers have the potential to change our lives and make every person an inventor, a sculptor, or a chef.

These revolutionary printers are increasingly visible in our everyday lives:

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  • Guns. In 2013, self-declared “crypto-anarchist” Cody Wilson designed, created, and printed a plastic gun via 3D printing technology. Cody fired a shot and distributed the CAD files for the gun over the Internet. There were more than 100,000 downloads before the U.S. government closed the site. In May 2014, Yoshitomo Imura was arrested in Japan of possession of five 3D printed guns.

5 Reasons Why Now Is the Best Time to Start a New Business

By Michael Lewis

start business yes noThe combination of inexpensive technology, accessible virtual markets, and easy funding through crowdsourcing is changing the face of entrepreneurship. Today’s new business starters are socially sophisticated, willing to bear more risk than previous generations, and more likely to work out of a home or small office and rely on others for business processes. Some are small guerrilla outfits surfing from one hot concept to the next, and some are venture capital-funded geniuses with disruptor ideas.

It is a great time to start a new business – the best time in history.

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10 Ways to Curb Financial Anxiety When You’re Stressed About Money

By Jacqueline Curtis

financial anxietyWe’ve all been there before: You wake up in the middle of the night, and while you try to get back to sleep, your mind veers to the topic of money. Before you know it, you’re in a full-blown 2am panic during which you lose sleep and accomplish little. What begins as a passing thought to remember to pay the bills can suddenly leave you worried about how you’d pay those bills if you lost your job, how to climb out of debt, or how to make your budget stretch for the month.

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How to Organize Clothes and Clean Out Your Closet

By Jacqueline Curtis

closetWithout regular reorganization, my closet looks like a sample sale after the customers have ransacked the shelves. If your clothes closet is a similar disaster zone, there’s no time like the present to take charge of your wardrobe, and get your space cleaned up.

Organizing your closet isn’t just about cleanliness, though. It’s about categorizing and taking inventory of everything you have, getting rid of the stuff you don’t wear anymore, and essentially rebooting your style for the coming season. After all, it’s hard to work those killer boots into your rotation when you forget you have them in the first place. If you’ve got a few spare hours, I strongly suggest a major closet clean-out to help you reclaim that space and reset your style. Here’s how to get started.

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Should I Buy a New or Used Car – or Lease?

By Michael Lewis

buying a carThe automobile occupies a special place in the American psyche. For most of the 20th century, it was the economic backbone of the nation, spurring growth and innovation across industries including steel, rubber, glass, and petroleum. It was the impetus for the geographic spread of cities and the dispersion of families across the continent.

The car symbolizes freedom, status, and utility. It remains the first major acquisition for many Americans, and obtaining a driver’s license is a rite of passage for every teenage boy and girl. While aircraft and railroad passenger miles have steadily increased over the years, auto passengers still log 7.25 miles for every airplane and rail passenger mile combined.

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10 Shopping Tips to Save Money at Outlet Malls & Factory Stores

By Jacqueline Curtis

outlet shoppingWhen it comes to shopping, is there anything better than an outlet mall? Amazing sales, deep discounts, and significant savings abound, all in one place. However, the problem is that what seems like an amazing place to score great deals can actually end up being a spending trap – especially if those so-called “deals” aren’t all that great.

A savvy outlet mall shopper knows that just because something has a sale tag on it doesn’t necessarily mean it’s a worthy discount. In fact, some of the secrets behind how outlet malls actually operate could surprise you – and make you think twice before pulling out your wallet the next time you visit one.

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Citi ThankYou® Preferred Card for College Students Review

By Christina Majaski

citi thankyou preferredThe Citi ThankYou® Preferred Card for College Students offers an opportunity to earn rewards on purchases while establishing a positive credit history. It combines the opportunity to reduce your APR, which was offered by the Citi Forward for College Students (which is no longer available), with the ThankYou rewards program that Citi cards are known for.

This card falls a bit short of being the best all-around credit card for students, but depending on your personal spending habits – especially if the majority of your purchases fall into the dining and entertainment categories – it could still be a great option.

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How Much Can I Afford for a New Car? – 4 Things to Consider

By Valencia Higuera

buying a carIf your current vehicle is on its last leg, or if you’re simply ready for something different, it might be time to bite the bullet and purchase a new car. That said, buying a new car isn’t some small, insignificant purchase.

There are many costs that inflate a car’s expense beyond the simple ticket price. You want to make sure the car you buy is one you can actually afford, so before you sign and drive, make sure you fully understand the costs of buying a car.

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Pros & Cons of Owning and Managing Rental Properties

By Mary McCoy

rental propertyThe idea of fuss-free income beckons many people into owning and managing rental properties, such as apartments, duplexes, guest homes, and even large houses. From the outside looking in, it appears that property owners simply sit back and collect rent checks on the first of each month, with little additional work. On paper, it’s a lazy (or savvy) worker’s dream come true.

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