How To Sell Santa’s Slip-Ups

Shoppers spent more than $15.5 billion this Christmas on gifts on the Internet alone. Just imagine how many millions went to unwanted polka dot sweaters, electric nose hair clippers, and thigh masters. That wasted cash piled up under the Christmas tree. We’ve all had it happen to us. In fact, you had it happen to you this year. You unwrapped the pretty red bow and tore through the shiny paper on that present from your Uncle Mortie, and immediately, you had to put on your best poker face. How did you know I needed a sushi roller kit?” you exclaimed with as much excitement as you could muster through gritted teeth. The problem is you don’t eat fish sticks, let …

50th Wedding Anniversary Gift Ideas

A 50th anniversary gift commemorates a milestone most married couples wish to reach. What can you possibly give a couple after 50 years of marriage? The most meaningful wedding anniversary gift is one that comes from the heart: to express your love and appreciation towards all that they mean to you, how their staying married through the thick and thin of life has influenced you, to tell about the warm and loving memories you shared with them throughout the years. The 50th anniversary is commemorated by gold and the flower is violet. A gift certainly doesn’t have to be gold, wrap a gift in gold paper or paper decorated with violets. 50th anniversary gift ideas for the couple Keepsake personalized …

12 Steps for a Stress-Free Holiday

Do you feel like Clark W. Griswold trying to make a perfect holiday and stumbling through mishaps? Everyone faces challenges of juggling their time effectively during the hectic holiday season. We all have to carry on our normal activities plus shop, wrap, cook, clean, bake, decorate, travel, etc. Here are 12 ways to manage your time so you can feel relaxed, happy, and joyous during the holiday season. 1. Practice good self-care: Eat right and get enough rest. Do something special for yourself every day, even if you only have 10 minutes to spare. Do what makes you feel relaxed; take a walk, listen to your favorite music, have a massage, stretch. Periodically stretch and take a few deep breaths. …

10 Ways to Save $50 Per Month: The Art of Pinching a Penny Until It Screams

1. Save up to 50% per month on convenience cleaner cloths by cutting them into half, i.e. dryer softener cloths, face cleanser cloths, etc. Savings: $5 per month 2. Find more thoughtful gifts and buy when the item is on sale, shop for birthdays and holidays throughout the year not at the time of the events. Savings: $10 per month 3. Bring your lunch to work once a week instead of eating out. Savings: $7 x 4 weeks = $28 per month 4. Don’t go to the coffee shop on the weekends. Savings: 2 visits @ $2 = $4 per week x 4 weeks = $16 per month 5. If you carry a balance on your credit card, and you’re …

How to Maximize Your Efforts When Appealing to Equity Lending

Equity lending is optional to homeowners searching for a method to consolidate their bills, payoff school tuition, and so on. Homeowners often consider home equity loans because the loans provide flexibility. The loans are often on an interest and capital basis; thus the borrower pays on the interest first and then the capital; however, monthly payments are calculated to pay interest first and then capital. Equity lending is becoming one of the best-known secured loans offered on the marketplace today. One of the advantages of online equity lending is that many lenders are teaming up with brokers to help consumers find the best rates. Homeowners are wise to go online to get a series of quotes to help them compare …

How to Manage Foreclosed Equity Loans

If you are searching for a loan to cover the current mortgage owed, you may want to consider a few options before you settle on any one option. The bank lenders will often repossess or foreclose contracts if the borrower cannot pay for the mortgage loan. Thus, if you are searching for equity loans to refinance your home, you may want to consider selling your home to make profit and then purchasing a foreclosed home. This is often wiser than taking out a second loan, since the foreclosed homes are often sold at a fraction of the market price. Otherwise, if you are searching for a equity loan, you may want to consider many details before applying for the loan. …

How to Give a Single Share of Stock As a Gift

Have you seen a framed single share of stock hanging in someone’s house or office? Maybe you though it was pretty neat, or wondered whether it was even real. Believe it or not, single shares of stock are perfectly legitimate and they hold full equity as owner in the company for which it was issued. Some stock brokers and investment companies will give you the ability to purchase a single share stock certificate through them, but in many cases the fees involved will far outweigh the cost of the stock. That’s why some specialty companies have cropped up in recent years to meet the demand for gift stock certificates. These companies offer the ability to purchase a single share of …

How To Get The Best Child Life Insurance Quotes

Getting child life insurance quotes on the net can be convenient, but are you sure that you are seeing the big picture? You can see life insurance information child policies, but the words can be cryptic. The child life insurance coverage information could be well-hidden online too! Because child life insurance costs money, it’s important to know precisely what life insurance coverage you can get. It may be best to talk to an authorized life insurance agent. Question You Should Ask About Your Child Life Insurance Is child life insurance really worth the premiums? Many question the importance of child life insurance. After all, if anyone needs to get insured, shouldn’t it be the working parents? While this is indeed …

How To Buy Your First Home!

Avoid the 10 Most Common, Painful, Frustrating Mistakes First-Time Home Buyers Make. Buying a residence can be a hair raising experience. You will experience a roller coaster of emotions while finding the right place, securing the loan, closing and finally moving in. For most of us, the first time home purchase is the largest investment we’ve ever considered. The emotions of purchasing something so expensive and personal can often cloud our business judgment. Most home purchasers do little or no research before they make such a large investment. Doesn’t it make sense to become as completely informed as possible before you buy your first home? This special report is designed to help you avoid 10 common and crucial mistakes. 1. …

How To Boost Your Credit Score

Years ago your credit score was a big secret, known only to a select few such as your mortgage and credit card companies. In 2000, Fair, Isaac Co., the major supplier of credit scoring software, announced they would begin sharing credit scores, also known as FICO scores, with consumers. What is a credit score? A credit score is a tool used by credit grantors to determine your ability to repay your debts. The information in your credit report is compared and evaluated against tens of millions of other consumer credit reports which gives you a credit score or number ranging from 350 (highest credit risk) up to 800 (lowest credit risk). A higher score means you are less likely to …

How Long Will It Take To Sell Your Home?

I am often asked how long it will take to sell a home in today’s market. Many parts of the country are generally enjoying a seller’s market and have been for several years. Apart from the obvious factors (e.g., homes in very high price ranges have fewer buyers than $300,000 homes), a word about economic reality is in order. We have all been taught that the real equation in real estate is “location, location, location.” This is utterly false. People actually live in Kansas! The real equation in real estate is price vs. condition. If your home is marketed effectively, (i.e., at least two dozen showings, and it’s in the best possible showing condition) you should get a favorable response …

How Does Debt Consolidation Stack Up Versus Debt Settlement?

Where to Get Debt Consolidation Help Is there help for debt consolidation? Sure, there is; and the help is available for free in some areas. If you suffer bad credit, then you can get help by reviewing the free do-it-yourself kits at the local libraries. Debtors can go to the public library and find help books that will direct you from beginning to end through the steps of paying your debts all the way to repairing your credit. The majority of libraries will allow you to copy and print the forms inside the guides. This means you can simply fill in the blanks, submit the forms to the right sources; and you will soon be on your way to debt …

How Do I Know Whether Or Not I Will End Up Saving Money When Refinancing My Home Loan?

To save money, you must live in your house longer than the “break-even period” – the period over which the interest savings just cover the refinance expenses. The larger the spread between the new interest rate and the rate on your existing loan, the shorter the break-even period. The more it cost to get the new loan, the longer the break-even period. But be careful. The break-even period is not the cost of the new loan divided by the decrease in the monthly mortgage expense. This broadly used rule of thumb is a misapplication of the principle that when explaining something to the buyer one should “keep it simple.” Simple is fine, except for when it is wrong. The rule …