How to Invest in Art – Types, Pros & Cons, Buying & Selling

fine artThese days, many long-term investors look to diversify their portfolios by investing in different, even exotic, asset classes. Some prefer to put their money in rare coins and jewels, while others invest in fine wines. One investment class quickly gaining in popularity is artwork. Not only can fine art enhance your home décor and evoke powerful emotions, it can appreciate in value simply by hanging on your living room wall.

The myths about investing in art have always kept the average person from entering this potentially lucrative venture. “I don’t know anything about art. Investing in art is only for the rich. What if I get ripped off?” These are all legitimate concerns, but they can be quickly broken down with a bit of research and knowledge.

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Discover it® chrome Credit Card Review – 2% Cash Back on Gas & Groceries

discover it chromeDiscover it® chrome is the newest addition to the Discover card family, providing an alternative to its current rewards card opportunities.

Chrome includes many of the benefits that Discover cards are known for, such as low fees and a slightly different reward structure than is standard for cash back on gasoline and grocery store purchases.

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Key Features

  • 2% Rewards on Gas & Groceries. The Discover it chrome credit card awards 2% cash back on up to $1,000 in gasoline and grocery store purchases every quarter. Quarters begin on the first day of January, April, July, and October. All other purchases (and purchases made after the $1,000 cap) earn an unlimited 1% cash back. Cash back rewards do not expire.

Discover it® Credit Card Review – 5% Cash Back Rewards

discover itDespite being popular among college students and consumers interested in cash back benefits, the now discontinued Discover More card did have a couple of minor downfalls, including the fact that you could only earn 0.25% cash back on the first $3,000 spent outside of bonus categories. The Discover it® Card just may provide solutions to these issues while still hanging onto one of the greatest benefits of the Discover More card: 5% cash back rewards.

At first glance, the “it” card may seem to have addressed all the disadvantages of its predecessor – but is it in fact the ideal cash back card, or are we looking at yet another credit card that has its own unique set of flaws?

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Discover it® Card for Students – Review

discover itStudent credit cards are designed to assist college students with little or no credit history in getting somewhat of a jump on building their own credit. However, in order to avoid establishing bad spending habits and lifetimes of debt, these cards need to be low-fee, low-interest rate credit cards – which is not always possible with cards that also provide rewards programs. The Discover it® for Students succeeds in addressing these needs.

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Discover it® chrome Credit Card for Students – Review

discover it chromeDiscover Card has included two new credit cards: the Discover it chrome and Discover it chrome for Students. The Discover it® chrome for Students includes features commonly found with Discover cards, such as the benefit of low fees and a rewards program for earning cash back on purchases.

However, the biggest difference between the Discover it for Students and the chrome version is that chrome offers a different and possibly better rewards program.

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Key Features

  • Fees. There is no annual fee for the Discover it chrome for Students card. The balance transfer fee is 3%. There is no foreign transaction fee.

How to Save Money by Living Green – Saving Electricity, Gas & Trees

go greenThese days, green living is a hot topic. Scan the pages of a range of publications, and you’ll see stories about how people and businesses are working to save water, save energy, and generally save the Earth. But what you won’t always hear about is what else they’re saving: cold, hard cash.

Too often, it seems like making your life greener means spending more: loading up your cart with organic produce at Whole Foods, or shelling out big bucks for hemp-fiber blue jeans. But that needn’t be the case. One of the best ways to be more eco-friendly is to cut back on your use of energy and natural resources – which cost money. In taking steps to protect the environment, you can protect your wallet as well.

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How to Deal With Bad Tenants – 13 Problems Landlords Face

rental propertyTenant problems plague landlords every day. However, reducing rent to maintain good tenants and evicting problem tenants may not be the best courses of action.

While lower rents obviously affect a landlord’s profitability, evictions are also expensive and can cost a landlord time, money, and resource to conduct. In addition to the basic turnover expenses such as marketing, lost rent, new paint, and appliance repairs, attorneys’ fees for evicting a tenant can be outrageous. Also, a tenant may vent his or her anger by purposefully damaging the property.

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8 Ways to Buy Natural Organic Food on a Budget

organic1As Kermit the Frog so famously said, it’s not that easy being green. You want to do the right thing for yourself, your family, and the planet, but often it seems like every green choice you make just pulls more greenbacks out of your wallet.

Take organic foods, for example. A study by Consumer Reports shows that, on average, they cost about 47% more than conventional versions of the same foods, which are grown using synthetic pesticides and herbicides. However, the price differences vary widely from food to food. For instance, one store’s organic zucchini costs more than four times as much as its conventional zucchini – but other foods, such as honey and maple syrup, can actually be cheaper when you buy organic.

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How Much Does It Cost to Have a Baby? – Medical Care, Baby Gear, Clothing & More

baby and motherBefore I had kids of my own, I remember attending a baby shower where the majority of the guests already had children. As I sat and listened to them bemoaning their endless expenses and mounting bills, I couldn’t even pretend to commiserate. At the time, my husband and I were planning a week-long trip to Europe and we’d recently signed a contract to build a fabulous deck for our home.

Fast-forward a few years and three kids later, and I now know those women weren’t exaggerating. Having a baby costs serious money, and while you can take steps to minimize some of the baby expenses involved, many are simply unavoidable.

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Country Wisdom & Investing – 6 Old-Time Sayings Relevant to Your Finances

farm in the old westCountry wisdom is the collection of practical experiences gained by generations of pioneers, farmers, and ranchers as America transformed from a vast frontier to the world’s greatest economy. That experience – the result of constant trial and error – was passed from parent to child in plain language that left no room for misinterpretation. Living on a farm or ranch miles from the nearest neighbor meant solving problems on your own, making do with the materials around you, and accepting whatever happened and moving on.

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