How to Find Antiques & Collectibles and Negotiate a Fair Price

shoppingOwning a piece of the past has universal appeal. According to philosopher and antique dealer Leon Rosenstein, it’s the value, uniqueness, and beauty of older items that attracts us, along with their historical and cultural associations. For some, buying and selling tangible pieces of history is a business – for others, it is a calling. Mike Wolfe, one of the stars of the television show “American Pickers,” says that discovering and restoring old relics from the past to their former glory is akin to saving America’s history, one piece at a time.

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7 Common Types of Theft Abroad – How to Protect Your Money While Traveling

passport and moneyThough we aren’t able to travel as often as we’d like, my wife and I love planning and taking trips, from outdoor adventure excursions and fitness vacations, to quick jaunts back home to reconnect with family. Regardless of the destination, we both take joy in escaping our daily routines and being part of something different for a little while – both during the planning process and throughout the trip itself.

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What to Check for When Buying a Used Car – 10 Warning Signs

used car shoppingYou’ve decided to purchase your first used car – and with an economy still struggling to find its former luster and a rapidly growing new car market, that’s certainly a smart choice. However, the real challenge is the purchase process – the act of matching mechanical and financial wits with the salesperson and driving off into the sunset without getting suckered.

The ideal used car is not the cheapest one you can scrape off your local dealership or get from a private seller on Craigslist. If its fuel efficiency is poor and it requires heavy maintenance work every other month, then your finances are in for a rough ride. After all, even used cars aren’t exactly short-term investments.

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How to Get Money to Start a Business – 8 Startup Financing Options

raising capitalEvery year, hundreds of thousands of Americans launch their own businesses. According to the U.S. Small Business Administation (SBA), in 2010, there were 27.9 million small businesses in the U.S. The majority of these – more than 75% – were identified by the government as “non-employer” businesses, meaning that the owner is the only person working at the business.

The odds of success are long. Only about half of new businesses survive for five years, and only a third remain in operation after 10 years. Despite this, a small percentage mature into stable small- to mid-sized businesses, while a microscopic fraction becomes the stuff of legends – like Apple or Hewlett-Packard, companies born in garages that ultimately ascended to the highest ranks of American business.

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How to Negotiate Your Salary & Job Benefits and Get More – 9 Crucial Tips

negotiationAccording to annual Salary.com surveys, only about half of the workforce negotiates their pay. The reason for this could be that prospective employees are scared of not being hired, while existing employees are worried about getting fired – therefore, they accept whatever is offered.

However, those fears are largely unfounded. More than 80% of employers in another Salary.com survey said they always expect workers to negotiate, while nearly all claim they’ve never fired or demoted a person, nor rescinded a job offer, in response to negotiation efforts.

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How to Create & Host a Webinar – Benefits for Marketing & Customer Service

webinarAs the Internet becomes more and more ubiquitous in the workplace, webinars – or what some refer to as “online seminars” – have become increasingly popular. Educators and marketers have embraced webinars as a forum for spreading their message; sponsors find their effectiveness and long shelf-life appealing; and attendees are learning to take advantage of their low cost and convenience.

If you haven’t introduced webinars into your marketing, customer service, or employee training efforts – whether you’re running a Fortune 500 company or a one-person operation – you may be missing out on a significant opportunity.

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How to Attend Weddings on a Tight Budget – Saving Money as a Guest

weddingYou know it’s almost time for wedding season when the first invitation appears in your mailbox. And while you might be excited to celebrate your friends’ or family members’ special day, you also might be worried about the impact on your wallet.

We all know weddings aren’t the most budget-friendly affair – according to The Knot’s Real Weddings Survey, the average wedding in 2014 cost more than $31,000. And as it turns out, weddings can be pricey for guests too, even those who aren’t in the wedding party. In 2014, the American Express Spending & Saving Tracker Survey found that the average guest spent approximately $592 per wedding. Bridesmaids and groomsmen typically shelled out a bit more, with an average of $618 spent per wedding.

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20 Productive Habits of Wealthy & Successful People

gaining wealthThe vast majority of rich people didn’t get there by accident or luck. Accumulating wealth requires hard work, dedication, and – most importantly – maintaining a specific set of habits that foster prosperity. As Aristotle said, “We are what we repeatedly do. Excellence, then, is not an act, but a habit.”

If you’re looking to train your focus in work and in life but don’t know where to get started, these 20 habits of wealthy people can help illuminate your path to success.

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32 Fun & Unique Mother’s Day Gift Ideas on the Cheap

mothers dayChances are, your mom would be happy with a simple phone call on Mother’s Day. But still – why not do a little extra for one of the most important women in your life?

Whether you want to make something with your own hands that she can treasure for years or you’re simply strapped for cash, there are many gift options that can fit any budget – large, small, or nonexistent. Here are some idea’s for Mother’s Day gifts that Mom is sure to love.

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12 Simple Ways to Save on Newborn Baby Expenses

infantWhen my husband and I set out to have a second child, we never imagined we’d be blessed with a bonus baby. But sure enough, when I went for my first trimester ultrasound around the eight-week mark, there it was: the image of twins floating around in my belly.

That day, we experienced a host of emotions, ranging from unadulterated happiness to complete and utter panic. Adding not one, but two children to the mix was going to be a challenge not only logistically, but financially. We realized we’d need to be really smart – and creative – if we wanted to keep our costs manageable.

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