Car Insurance Rates: How to Save a Bundle

No matter if you are a first time car owner, or a driver with many years of experience under your belt, getting cheap car insurance rates is a high priority. Let’s face it, money is tight for many people right now, and even saving a few hundred dollars a year on car insurance could make a huge difference.

So how do you achieve this? Luckily, we’ve got you covered, as our team of auto industry experts have compiled the top car insurance tips for your viewing pleasure.

Pay in one lump sum

The first thing you should know about car insurance rates is that paying in one lump sum will always save you money. However, most drivers decide to pay in monthly installments, which works out more expensive in the long run. If you have the cash available, then you should definitely pay all of the money for 12 months upfront.

Search online

Some of the best car insurance rates can be found online, mainly due to the lower overheads incurred by insurance companies operating on the internet. With this in mind, it’s always a good idea to begin your search online, preferably with a car insurance comparison website so you are able to look at all the offers side by side.

Contact your current provider

One of the easiest ways to save a bundle on car insurance rates is to contact your current provider and ask them about any discounts. Most people overlook this rather simple step, but that’s probably because it’s largely unknown that many drivers are eligible for car insurance discounts. At the end of the day, you don’t have anything to lose by asking.

Advanced driving courses

In this day and age it seems like everybody is a maniac behind the wheel, which is no doubt why car insurance companies charge so much. It doesn’t have to be this way though.

For example, if you are prepared to spend a few hours a week taking an advanced driving course, then after about 12 weeks you will be awarded a certificate that entitles you to discounts on your car insurance rates. Not only that, but this also ensures that you become a safer driver on the roads, meaning you reduce the risk of being in a serious accident.

Finally

The tips above are just some of the ways you can save a bundle on your car insurance rates. Remember, you are not tied to any one company, so feel free to shop around until you find the cheapest deal.

3 Energy Saving Tips For Canadian Business Owners

According to Enmax, businesses in Canada waste approximately 15% of the energy they buy on a yearly basis. In our opinion, this is basically just throwing money down the drain and sacrificing valuable cash flow that could be put to better use.

If you are a savvy Canadian business owner, then you no doubt want to save a s much money as possible…right? Well, you can learn exactly how with these 3 energy saving tips:

Put signs around the premises

Let’s face it, staff are always forgetting to do basic things such as switching off lights when leaving a room or turning off computers and photocopiers. Instead of firing them for such insolence, it’s a much better idea to put signs around the premises that gently remind them of their duty in saving energy for the company.

If this doesn’t work, then you might want to try holding a big meeting where you state in very certain terms that “heads will roll” if they continue to commit basic energy saving errors. Sometimes you just need to get tough to sort the situation out.

Monitor heating systems

One of the biggest areas for energy wastage is in the heating systems around your business premises. Things such as boilers are essential for the harsh Canadian climate, especially in places such as Calgary and Edmonton during the winter. However, many times business owners overcompensate on the amount of heating they actually require, which ultimately leads to wasting energy and flushing profits down the toilet.

At the end of the day, while it’s nice to make sure your staff are kept warm during the winter months, you don’t want them to get too cozy, which is why you might want to suggest they wear a jumper or an extra layer of clothing. This will allow you to save quite a bit of energy during the year, so your profit margins are nice and healthy just in time for the annual bonuses!

Reduce lighting costs

While you can’t make employees work with a torch strapped to their head, at least not in Canada, you can look more closely at ways to reduce the lighting costs around your business premises. There are many ways to achieve this, such as using energy efficient light bulbs that only use 50% of the energy that normal bulbs use, and making new rules that lighting can only be used after a certain time.

Conclusion

In short, you just need to get tough in order to save energy in Canada, and if this means putting heads on the chopping block then so be it.

5 Essential Bridge Financing Tips and Tricks

In a nutshell, bridge financing is a way to unlock the equity in your current property while it is still on the market. You could be an individual who is looking to move up the property ladder quickly, or even a commercial enterprise who want to expand into new premises.

Before we move on, it’s worth noting that bridge financing is not all peaches and cream. It can be very risky if you don’t know what you’re doing, and could even lead you right into bankruptcy. In other words, tread very carefully.

Below we have compiled 5 essential bridge financing tips and tricks.

See if you qualify

The first step in securing bridge financing is to see if you qualify, and the only way to do this is by talking to a few lenders so they can take a closer look at your situation. If you do qualify, great! If not, then there must be a good reason, which means you should probably forget about bridge financing altogether and seek out other alternatives.

Find the right lender

Once you are qualified for bridge financing, then it’s very important that you pull on the reins and take a step back. Don’t just go with the first lender that gives you an offer, as this could result in you overpaying big time. There are many lenders out there, so you should be prepared to shop around to find the best rates and terms. Quite simply, do your homework and you won’t get ripped off.

Never borrow more than you need

If you apply for $100,000 and the lender offers you $150,000…should you take it? The answer is no. Why? Because over-extending yourself financially is always a slippery slope that typically ends in despair. Work out your figures, stick to a number, and then don’t accept a penny more. If you follow this simple rule then bridge financing will not be a problem for you.

Check the small print

Let’s face it, the main goal of a bridge financing company is to make money, and sometimes they do this by burying details of fees and extra charges in the small print. This is why you should always check the small print before signing a contract, and if there is anything you don’t understand seek further clarification.

Pay back the money quickly

Understand that bridge financing is meant to “bridge” the gap in your finances. It is for short term use only, which means you should pay back the money quickly to avoid any problems. If there is doubt in your mind about whether this is possible, then don’t get the financing in the first place.

Why Silver is a Great Asset to Have in Your Retirement Plan

Put your silver in ira or don’t bother? That is the question on many people’s lips, and is exactly the subject we are going to take a closer look at in this article.

For many years, investors thought silver was a bit of a dud. All of the attention was placed on gold, while silver was the ugly sister lurking in the background.

However, the attitude towards silver has changed drastically since 2012, and many of the worlds leading financial authorities and even this press release on investing in silver in 2014 are now claiming…”silver is a great asset to have in your retirement plan!”

But don’t take the opinion of leading experts at face value. Below are a few of the reasons why silver is an essential part of your retirement plan.

It’s stable

Almost nothing else in the world is as stable as silver. It doesn’t matter if the economy is in a mess, the dollar weakens, or we face economic collapse and financial apocalypse…silver will continue to rise in price and get stronger. This makes it a “sure bet” for your retirement funds.

Easy to sell

At the end of the day, there will come a time when you want to cash in on your silver investments so you can enjoy the money and your retirement.

Luckily, selling silver is very easy, as there are thousands of eagers buyers all around the world. This means you can get a return on your investment extremely quickly, instead of waiting around for years trying in vain to find a buyer.

It gives you peace of mind

For many people, their retirement plan is a source of constant worry and stress. Investments are always going up and down, and there are thousands of people every year that end up with very little money for retirement.

Don’t let this happen to you! Invest in silver so you can have peace of mind and a comfortable retirement.

Easy to store

If you are buying silver coins or small silver bars then they are easy to store. There won’t be a large storage bill year upon year and you will have easy access once you want to sell.

The final word

Make no mistake about it, silver is a great asset to have in your retirement, especially when you put it alongside other precious metals such as gold and platinum.

Time is of the essence though. There are many people around the world that are waking up to the fact that silver is a great investment, which means you need to act fast before the demand increases significantly and the price begins to rise.

Claim Compensation With a Personal Injury Lawyer

It’s an unfortunate fact of life that accidents happen. Most of the time no-one is at fault, but in some cases there is blame…and when there is blame, there is a claim.

Maybe you are looking to claim compensation because you were injured in an accident that wasn’t your fault? In this type of scenario, the best way forward is to hire a personal injury lawyer to fight your corner.

A good personal injury lawyer will have a proven track record of winning compensation claims which means you have a high chance of receiving a payout for your physical and emotional distress.

Here are some valuable tips to consider before choosing a personal injury lawyer:

Look at their website

Any lawyer worth hiring will have a professional looking website. There should also be a lot of information about the services they offer, as well as contact details so you can easily arrange a free consultation. If the website looks unprofessional or there is very little content, then you should look elsewhere.

Are they regulated?

It’s important that you hire a personal injury lawyer that is properly regulated. When they don’t have the proper regulation and certificates, then they are operating illegally. For example, in the UK all injury lawyers must be regulated by the Ministry of Justice, so this is definitely something you should check before going any further.

No win – No fee

At the end of the day, there should be very little risk on your shoulders when claiming compensation for a personal injury.

In other words, you should only hire a lawyer that works on a no win – no fee basis, which in simple terms means you don’t pay a penny if they don’t win your case. Always be very wary of any company asking you for money upfront, as they could easily do a runner once they have your cash.

Look for reviews

One of the main benefits of the internet is the sheer amount of reviews and testimonials from people who have used a product or service. With this in mind, you should have no problems finding reviews for personal injury lawyers, so you can read both the good and bad about what it’s like to be a client.

Trust your instinct

Ultimately, a personal injury lawyer can tick all of the above boxes above, but if you are still getting a strange feeling about hiring them, then it’s a good idea to trust your instinct and look elsewhere.

Good luck with your compensation claim!

A Simple Plan For Suing a Doctor

If you believe that your doctor is guilty of negligence, then you may be wondering how to successfully sue them?

Don’t feel bad about suing your doctor. At the end of the day, they have acted in an irresponsible way that has put your health at risk. In short, they shouldn’t be allowed to get away with it.

Fortunately, suing a doctor isn’t as hard as you might think. Here is a simple plan that will help you get the money you deserve…

Hire experts

It’s essential that you hire a medical negligence company to give you advice during the whole process. If you try and go it alone, then you won’t get very far, so don’t even try it.

Medical negligence companies have a team of experts working around the clock to get you the maximum amount of money possible, so it really makes sense to have them on your side.

Be prepared

Many people have problems suing a doctor because they are not prepared. For example, in order to get the ball rolling you really need as much proof as possible.

This comes in the form of medical records and other documentation. Therefore, you should have these kind of things in your possession before you start your case.

Get more opinions

When you believe your doctor has acted unfairly towards you, it’s always a good idea to get the opinions of other professional doctors.

If they agree with you, then your case becomes extremely solid, which means you will feel confident going further in your quest for compensation.

Aim for a settlement

In the vast majority of cases, a doctor will opt to offer a settlement rather than face going to court. This is good news for you, as it means you won’t have to suffer the turmoil of a long and drawn out court battle.

Ultimately, a settlement gives you the chance to end things quick and get some money in your back pocket with the least amount of hassle possible.

Never give up

Sometimes, suing a doctor is not straight forward. There can be a lot of red tape, which means your case is delayed and there seems to be no end in sight.

It’s very important that you never give up. Why should you let them get away with it? Not only do you deserve compensation, but you owe it to yourself to see the case through to the end so you can feel the ultimate satisfaction of being right.

5 Tips For Finding Private Medical Insurance

If you want you and your family to have the best medical care possible, then getting the right insurance is key. Let’s face it, expecting the NHS to take care of you is a losing battle, as waiting lists increase and the demand on their staff becomes greater.

Here are 5 tips for finding private medical insurance:

Employers

Let’s say you are searching for private dentists in Pinner but need to get insurance as you can’t afford the fees.

Before you sign-up with a private medical insurance company, you should check with your employers to see if you have any insurance included in a benefits package.

Shop around

It’s always a mistake to pick the first medical insurance plan that you come across. Instead, be prepared to shop around a little bit, so you can get numerous quotes and then are in a better position to choose the best plan for you.

To make this process even easier you should try using a comparison website. Simply enter your details once, click a button, and within a few seconds many different insurance quotes will become available.

Read the small print

Before signing your name on the dotted line, it’s essential that you go through the small print with a fine-tooth comb.

Unfortunately, some medical insurance companies make a living by ripping people off and putting so many clauses and loopholes in the small print that their policies are not worth the paper they are printed on. Never sign anything too quickly, as you might come to regret it later.

Always be honest

Some people, in their quest for cheaper medical insurance, decide that it’s a good idea to “bend the truth” on their application forms.

Sure, this might drive the monthly premiums down, but in the end the insurance company will find out about any false or misleading information, and this will ultimately make the policy null and void. Never be tempted to bend the truth. Honesty is always the best policy.

Ask family and friends

Sometimes, the easiest way to find private medical insurance is by asking family and friends for their recommendation. If they have had a good experience with a particular company, then they will surely tell you about it.

On the other hand, they will also let you know about any negative experiences, which means you end up getting a good overall picture of the types of medical insurance plans currently out there.

Medical Negligence? How to Get The Compensation You Deserve

If you feel that you have been put at risk or treated unfairly by your doctor, then you may have a medical negligence case. Unfortunately, this is becoming increasingly more common around the country, as millions of people look to strike back against the system and claim the compensation they deserve.

So what steps should you take when you have a medical negligence case? Read on to discover more…

Hire a claims company

Luckily, you don’t have to travel this road alone. Claims companies such as medical negligence assist are there to help you in your hour of need, so you can claim as much money as possible.

Contact a claims company as soon as possible, because the longer you leave it, the more chance your case becomes harder to win.

Keep records and documentation

It’s always important to keep records of everything that happened, as well as relevant documentation. The reason? Because if your medical negligence case goes to court, then you will need as much evidence as possible to back you up.

At the end of the day, the people that get the compensation they really deserve are the people who have the most evidence. With this in mind, record everything that your doctor said to you, and also keep receipts of any money that you spent on prescriptions and medical care.

Get second opinions

Still not sure if you have a medical negligence case to pursue? In this kind of scenario you should look to get as many second opinions as possible.

Ultimately, medical issues are very subjective, which is why proving beyond a reasonable doubt that your doctor was wrong can be difficult.

However, when you get the opinions of multiple other doctors, all saying that your situation is medical negligence, then you have a very strong case indeed.

Be prepared to settle out of court

In the vast majority of cases, medical negligence is settled out of court. This is because most doctors have insurance to cover this kind of thing, which means the money won’t actually be coming out of their pocket.

Obviously, you might be able to get more compensation if you decline an offer and take it to court, but you must also consider the physical and emotional distress that a court case could inflict upon you.

To conclude this article we would just like to say that medical negligence is not something you should take lightly. Don’t be afraid to pursue your case further, as you are well within your rights to claim compensation when you have been wronged.

Compensation Claims – How to Be Successful

There is no denying that compensation claims are on the rise. Every day, millions of people are injured or unfairly treated, through no fault of their own, which means they are well within their rights to make a claim and get what is rightfully theirs.

If you have your own compensation claim in the pipeline, and you want to give yourself the best possible chance of being successful, then the tips below will help you.

Take pictures

It’s important that you take pictures of the scene where an accident has taken place. In this day and age, you shouldn’t have much hassle being able to do this as all mobile phones now come with a camera. The more pictures you can take, the more chance that your compensation claim will be successful.

Witnesses

You claim has more chance of being successful if there are witnesses to the event. Let’s face it, if it’s just your word against somebody else, then it can be hard to prove beyond a reasonable amount of doubt that you are entitles to compensation.

However, when there are witnesses, your case becomes a lot stronger. With this in mind, get the contact details of as many witnesses as you can.

Be specific

If you are vague about an accident or any other event, then your claim becomes weak. This is why you should aim to be as specific as possible, so there is the best chance of success.

Write a report of all the details you can remember, even the small details that might seem insignificant. The smallest thing could tip the case in your favor.

Seek medical attention

When you have been injured, it’s always a good idea to seek medical attention straight away. The reason? Because all of your injuries will then be officially recorded by the doctor or hospital staff, which means you are able to prove the physical trauma you have suffered.

Don’t wait a few weeks or months before getting medical attention, as this will weaken your case.

Speak with a professional

At the end of the day, making a compensation claim is often a complicated process. If you are not an expert in this field, then you can save yourself a great deal of stress and frustration by hiring somebody that is.

For this reason, you should speak with a compensation claims professional as soon as possible. They will be able to advise you on the best way forward, so you can get your money without having to wait around months or years.

Mis Sold PPI – Your Questions Answered

Some financial experts are predicting that 2014 could the year that PPI compensation comes to a close. With this in mind, if you think that you have a claim and you don’t want to miss out, then you should look to do something about the situation as soon as possible.

Unfortunately, the subject of PPI can be confusing. This is why we have answered the most common questions below.

Should I use a PPI claims company?

Using a mis sold ppi company to get your money is definitely a viable option. The reason? Because they do all of the work, while you just sit back and relax.

This is perfect for people who don’t like the idea of corresponding with the banks on their own, or just don’t have the time to do it themselves.

However, you must be aware that using a PPI claims company is NOT free. If they win your case, then expect to be charged 25% of the total amount. For example, if you were awarded £10,000, then the company would take £2,500 as their fee. Definitely something to think about.

What should I put in the letter?

If you have decided to go it alone in your quest to reclaim mis sold PPI, then you will need to write a letter to the bank who mis sold you the policy. Your letter should actually be very straight forward, where you simply give the basic details about the policy that was mis sold and then the amount of compensation you are demanding.

To make this process easier, we recommend that you use one of the many PPI template letters available to download online. This means all you need to do is fill in the blanks and then send it to your bank. No thinking required!

How much money am I owed?

This varies on a case by case basis. Some people might only be entitled to a small amount such as £500, while others could be in for a real windfall. Recent statistics have shown that the average PPI payout is for around £4,5000, so this is definitely something worth pursuing if you are still on the fence.

In order to gain a better idea of how much you could be owed, you should use a PPI calculator, which are widely available online. Just type “PPI calculator” into Google or Bing and you will get many different results.

The 4 Wealth Building Secrets Billionaires Don’t Want You to Know!

There are around 1000 billionaires in the world according to Forbes. Some inherited that wealth, but the vast majority, like Bill Gates and Richard Branson started out from scratch and built their empires.

Now you might be thinking that most of these billionaires just got lucky. Maybe they were in the right place at the right time? Or they played the lottery and their numbers came up?

Not at all. In our opinion, you have to make your own luck, and the main reason why these billionaires became so successful is because they found out about certain wealth building secrets that the majority of the population don’t know.

The good news is that you can use these same wealth building secrets to create your own fortune. It doesn’t matter if you want to buy a billion dollar home that rests next to the poorest of slums or you have a dream of owning your own tropical island, all you need to do is pay attention to the following tips and then take massive action!

Think big

You can’t be a billionaire if you don’t think big. At the end of the day, you must have visions of creating an empire that knows no limits. If you don’t think big, then you will always struggle to achieve your goal.

Belief

Do you truly believe that you could one day have billions of dollars in the bank? Or does your subconscious mind still repel wealth? You must believe that that you deserve that kind of money before it can actually happen in real life.

Risk taking

No risk, no reward. If you are not prepared to take risks, then forget about becoming a billionaire. That doesn’t mean you should take stupid risks, but always playing it safe and being scared to put yourself out there will not create great wealth in your bank account.

Patience

Do you have notions of becoming a billionaire overnight? Think again. The simple fact of the matter is that “instant riches” is a fallacy believed by the lazy and stupid. There is no big red easy button just waiting to be pushed, and you will not wake up one morning to find your bank account statement with a few extra zeros.

Ultimately, you must have patience, and not become too frustrated when things don’t go your way. There will be many obstacles in your journey to becoming a billionaire, which means it’s important that you don’t give up.

They Giggled When I Was a Financial Failure at 30…

When I left school I didn’t care about furthering my education or getting a career. All I cared about was going to parties, getting drunk, and chasing women.

This was cool when I was in my early twenties. My family thought I would outgrow the phase and start getting serious about my life. I didn’t.

In fact, I was still partying and enjoying myself at the age of 30. Never holding down a job for more than a few months, and still living in my parents basement. Heck, I even got fired from McDonalds for being too lazy.

Then one day everything changed. I overheard a conversation between some of the neighborhood housewives. They were talking about me, and when they giggled about the fact that I was a financial failure at the age of 30…it really lit a fire inside me.

I didn’t have any qualifications, experience, or special skills…but I was now determined to succeed. I set the goal of becoming a six figure earner within 3 years.

My first port of call was to enroll in a business study college class. I also visited onlineschoolsthatofferlaptops.org to get a free laptop.

You see, I was pretty low on finances, and although my family offered to help me out, I was determined to go this alone and pay my own way.

I also got a job at Burger King. Flipping burgers for 8 hours a day, before attending college in the evening. When I wasn’t at Burger King or college, then I would be working on my laptop.

After 2 years I completed the business course at college and was now ready to put my newly found knowledge and skills to the test.

I’d noticed that there was a gap in the market in my local area for window cleaners. Sure, it wasn’t a glamorous business, but there was a real opportunity to quickly build up a customer list and expand.

That was my life for the next year. Getting new customers and cleaning windows. Once I started to make a good profit, I invested some of the money in hi-tech window washing equipment, which meant I could clean the windows on a house in half the time it usually took.

By now I’d moved out of my parents basement and was renting an apartment for $600 a month. Pretty soon I was hiring my first employee, and within a few months I had a team of 4 guys who called me boss.

That was 15 years ago. I now own the biggest window washing company in Florida.

They giggled when I was a financial failure at 30…but when I went back to the old neighborhood in my brand new Ferrari…

Thanks to Paul Smalling for the post.

Avoid Choosing a Low Paying Career With These 3 Expert Tips

No matter if you have just left school or are looking for a change of pace in life, choosing the right career is important.

Let’s face it, money is essential, and if you make the wrong career choice then you could spend the next few years collecting low pay checks and struggling to make ends meet.

If you are still baffled by which which career will be the most healthiest for your bank account, then this will be the most important article you read all year.

For example, Physician Assistant vs.Nurse Practitioner …which career pays the most money? Find out how to tell by following the 3 expert tips below.

Look at the demand

Demand and money go together like bangers and mash. When you choose a career that is on the decline, the don’t be surprised if you find yourself struggling to find a job in a few years.

For this reason, you should spend some time researching projections for the foreseeable future. There are websites that give out a 10 year forecast for many professions, so you can get a better idea if your career of choice will still be helping to pay the rent down the line.

Assess your skills

At the end of the day, you should always choose a career that is best aligned with your skills. The reason? Because if you are skillful at your job, then you will find it easier to progress through the ranks, get promoted, and increase your worth.

In no time at all, you could turn that $30,000 a year entry level position, into a $200,000 a year management job.

However, when you choose a career just because it sounds good, but you don’t really have the necessary skills to progress, then you could find yourself doing the same boring tasks for years to come. Never moving forward, and always wondering why the boss never offers you a promotion or a pay rise.

Start your own business

Ultimately, the real money is in working for yourself. That is why you need to ask yourself the question…”once I have gained enough experience in my chosen career, will I be able to start my own business?”

For example, a career such as plumbing is ripe for starting your own business once you have gained experience and skills. On the other hand, choosing a career such as an air stewardess, might not offer many opportunities for self employment in a few years time.

Thanks to George Parish for the post.

5 Profitable Tips For New Landlords

If you are looking to earn a little bit of extra cash on the side, or you want to make a full time income, then becoming a landlord can be a very lucrative venture.

However, there are also a lot of pitfalls that you need to be aware of. One false move, and all of your hard work could be flushed down the toilet.

Below we have listed 5 profitable tips for new landlords:

Get insurance

Never under any circumstances try to rent out property without landlord insurance. It’s just too much of a risk.

To get the cheapest deal, you can compare landlord insurance policies on UK Landlord Insurance.com with a few simple clicks of your mouse.

Prevent accidents

The last thing you want as a new landlord is for your property to injure one of the tenants. For example, there could be a loose tile on the roof, or a broken slab in the back yard.

Let’s face it, in this “blame culture” that we now live in, some people will find the smallest things to try and make a legal claim against you. This is why you need to protect yourself as much as possible, so you don’t end up being sued for thousands of pounds.

Screen tenants

90% of your problems as a landlord will come from bad tenants. At the end of the day, if you can’t get them to pay their rent, then you are losing out on valuable income.

For this reason, it’s essential that you fully screen potential tenants before handing over the keys. Make sure they are in full time employment, and always run a credit check so you can find out if they have a history of missing payments.

Avoid becoming emotionally attached

Ultimately, your rental properties are there to make you a profit. If you become too emotionally attached to the properties, then it’s all too easy to start spending money on things such as decoration. As long as the property is clean, safe, and in a fairly good condition, then it is good to start renting out.

Decide if you want to use a letting agent

There are many benefits to using the services of a letting agent. They will advertise your property, show potential tenants around, and do all of the necessary paperwork.

However, you must be aware that letting agents don’t come cheap, which means as a new landlord who is just starting out, you might find yourself struggling to make a profit.

Money Saving Tips – Follow These Guidelines

No matter what your income level, it can always help to save more money. In these uncertain times, prices are always rising, which means you should be pulling out all of the stops to live within your means and not overspend.

Let’s face it, once you start to become reckless with money, then things can quickly start to spiral out of control. A credit card here, a payday loan there, an unsecured personal loan straight to your bank account. In no time at all you will be quickly in debt and struggling to keep your head above water.

Below we have compiled some solid guidelines that should follow if you want to save money.

Internet costs

Just about every household in the United States now has the internet. However, the vast majority of people pay way over the odds for their internet, and are completely unaware they could be saving a fortune. Take the time to compare DSL Providers so you are able to find the best deal.

Get rid of cable TV

Ask yourself if you really need cable TV? At end of the day, the vast majority of channels are complete junk, filled with shows that will turn you into a zombie. By getting rid of cable TV, you will be saving hundreds of dollars a year.

Clothes shopping

Do you find yourself spending thousands of dollars a year on designer clothes? While this may give you a rush when you complete the purchase, only a few hours later you are probably filled with buyers remorse.

Instead of wasting so much cash, why not try looking in charity shops around your area? There are typically some real bargains on second hand clothes.

Eating out

Another money saving tip that will save you a fortune is to stop eating out. Sure, it’s okay to visit a restaurant a few times a year for special occasions, but going too often will start to leave a big hole in your purse or wallet.

Save money on your vehicle

The first way to save money on your vehicle is to get something that is economical. Instead of driving a big 4×4 that guzzles gasoline, try opting for something smaller.

Secondly, did you know that it’s very easy to knock hundreds of dollars off your car insurance every year? There are many different ways you can do this, such as comparing insurance companies, taking an advanced driver safety course, and bundling all of your insurance packages together.

87% of Small Business Owners Are STRUGGLING Right Now

Sure, you might want to bury your head in the sand, but you can’t get away from the cold hard facts. A recent report from the SBOD (Small Business Organization Department) in Washington DC, has highlighted the shocking statistic that 87% of small business owners are really struggling to keep their heads above water right now.

Let’s face it, the world is in a real mess. We seem to be constantly drifting in and out of a recession, while the fat cats on Wall Street keep on pillaging the ordinary man and woman on the street.

Make no mistake about it, the situation is going to get a lot WORSE before it starts to improve. Some experts are predicting that we could be in for another 10 years on shaky financial ground, before the black clouds finally start to disappear, and the sun starts to shine once again.

If you are a small business owner and it feels like every day is a slippery slope towards your inevitable downfall, then you need help. Fortunately, the tips below will set you on the right track…

You need to get paid

In this devastating economy, every penny counts. Don’t let customers and clients give you the run around any longer. Use http://www.paypanther.com so you can effortlessly send out invoices and get paid when you should.

Fire employees

You might not want to fire employees that have been loyal to you, but at the end of the day, when your ship is sinking fast, then you as the captain need to throw a few people overboard to save your vessel.

Fire employees that are putting a strain on your costs, and instead, consider hiring sub contractors who are only paid when they do some work.

Don’t be scared of marketing

The foundation of every small business is marketing. This is how you get new customers through the door, and without it you are toast.

The key to making marketing work for your business in a recession is to be smart. Test and track every single marketing promotion, and never be tempted to waste dollars on marketing campaigns that can’t be tracked.

Stop being a donkey

A donkey is a hard worker, but they wouldn’t do very well running a business. Ultimately, you need to stop spending the majority of your time on tasks that make very little difference to your bottom line.

Instead, practice the 80/20 principle, which suggests that 80% of your results will come from 20% of your activities.

Thanks to David Scotland for the post.

Need Help Choosing a Credit Repair Company?

The last few years have not been kind to millions of people. Job losses across the board, rising costs, and mounting debt has left many Americans in deep turmoil.

Because of this, it’s no surprise to learn that the majority of people now have a poor credit score. This means they will struggle to get a loan or mortgage in the future, and will be constantly blacklisted by financial institutions across the country.

Luckily there is hope! Certain credit repair companies are coming to the rescue of people with poor credit scores, which means the future might not be so bleak after all.

So how do you choose a good credit repair company? And how can you be sure that you won’t get scammed?

Unfortunately, there are some rogue companies out there, who are only looking to take you for a ride and get all of your cash without offering anything in return.

With this in mind, it’s very important that you do some research before choosing a credit repair company. For example, you could look for reviews online from previous clients, or check the BBB to see what seller rating a certain company has achieved.

Another way to separate the wheat from the chaff is to keep a close eye on the claims they are making in their advertising materials. Legitimate companies like to under promise and over deliver, while scammers will always hype everything up and make unrealistic claims.

It’s also worth mentioning that you should contact the customer support team before you agree to anything. If the company is legitimate and trustworthy, they they will have a professional customer support team who are available for you to contact around the clock.

Not only that, but they should come across as knowledgeable and helpful, which means they can answer your questions in full. Needless to say, if you have trouble locating a support number or email, then you should stay well clear.

Once you have decided which credit repair company you are going to choose, then you will need to sign a contract to get the ball rolling. While you may be eager to get started, you should pull on the reins a little bit and spend some time casting an eagle eye over the fine print of the contract.

In other words, you have to be 100% positive that there are no hidden loopholes or unfavorable terms before proceeding. Once you are happy that everything is in order, then you can sign the contract and hand over all of the hard work to the credit repair company.

Thanks to Danny Bonder for the post.

5 Essential Tips For Getting Car Insurance Quotes on The Internet

Getting car insurance quotes on the internet is as easy as pie. All you need to do is connect with WI-fi, do a few simple clicks, then sit back and relax. In no time at all, you will find exactly what you’re looking for.

Here are 5 essential tips to keep in mind:

Use a comparison website

The fastest way to find what you are looking for is to use a comparison website. Here, you can compare car insurance rates from a range of different companies, and the best part is that you only have to enter your details once. This is defiantly the lazy way to find car insurance quotes on the internet.

Always be truthful

Never be tempted to tell a little white lie when applying for car insurance online. Sure, it might not seem like a big deal, but a few months, or even a few years down the line, it could come back to haunt you. Always be truthful, and you can sleep soundly at night knowing that you are not going to get caught out by the car insurance company.

Change providers

Are you currently paying over the odds for your car insurance? If so, then there is no reason to stick around with your current provider. Instead, look around the websites of different insurance companies, and don’t feel bad about flirting with the competition. At the end of the day, there are no prizes for loyalty in the car insurance game.

Complete the application form

You will have to fill out an online application form if you want to get car insurance quotes. While this is a fairly straight forward task, make sure you complete the application form in full. Ultimately, if you miss a few sections, then you won’t be able to get a quote, or the quote that you do receive will be wrong.

Also, make sure you have any relevant documents by your side when fill out the application. For example, you will need the vehicle registration documents, details of your employment history, and the dates of any traffic violations.

Look for discounts

Because the car insurance industry is very competitive, companies are always looking for ways to get new customers through the door. One way they do this is with discounts. It doesn’t matter if you are young or old, a new driver or experienced…there are bound to be some car insurance discounts out there that you qualify for.