I LOVE GOING TO Q & A (QUESTION AND ANSWER) SITES!
I ONCE AND A WHILE FIND A QUESTION ABOUT HOW TO SAVE AND CUT COSTS.
THERE ARE MANY WAYS TO DO THIS!
SOME WE KNOW! AND SOME WE TAKE FOR GRANTED OR DID NOT EVEN KNOW WE COULD OR WANT TO!
IT REALLY DEPENDS ON YOUR SITUATION AND HOW FAR YOU ARE WILLING TO GO TO DO SO?
FIRST OFF!
LET ME SAY THIS!
IT IS IN A WAY!
EASY FOR US TO DO!
IT'S JUST DO WE WANT TO MAKE THE NECESSARY CHANGES TO EITHER KEEP OUR HEADS ABOVE THE WATER?
OR MAKE THE CHANGES TO KEEP WHAT WE HAVE/WANT?
THERE! IS THE PROBLEM!
WITH THE WAY OUR ECONOMY IS!
WE DO FIND OURSELVES IN A SITUATION WHERE WHAT DO WE DO?
AND HOW FAR DO WE NEED TO GO IN ORDER TO GET, KEEP, MAINTAIN WHAT WE HAVE?
LET'S LOOK AT THE WAY THINGS ARE HERE AND NOW!
WE ARE IN A POSITION THAT WE CAN EITHER GO FOR RETOOLING/TRAIN FOR SOME OTHER LINE OF WORK.
OR!
FREELANCING!
IT'S NOT AS BAD AS SOME MAY THINK!
THERE IS A REASON TO DO THIS!
AND OTHER INFO!
FREELANCING IN TODAY'S ECONOMY!
IS JUST TAKING WHAT WE KNOW AND MAKE SOME MONEY WITH IT!
LET'S SAY YOU KNOW HOW TO WRITE!
YOU COULD SELL YOUR SERVICES AND WRITE FOR A COMPANY THAT IS IN NEED OF YOU TO WRITE SOMETHING FOR THEIR PRODUCT/SERVICE.
OR BLOG ABOUT IT!
THERE ARE SITE ON THE INTERNET THAT ARE LOOKING FOR PEOPLE TO "GET PAID TO BLOG"!
How to Get Paid to Blog!
PAID TO BLOG 2!
IF YOU REALLY , TRULY TAKE THE TIME!
YOU CAN LEARN ANYTHING YOU WANT!
IT IS ALL A MATTER OF!
"IT'S NOT SO MUCH WHAT YOU LEARN"!
"BUT! HOW YOU LEARN"!
ABSOLUTELY FREE ONLINE CLASSES
MIT HAS WHAT THEY CALL "OCW" (ONLINE COURSE WORK).
MANY! ONLINE, COLLEGES, UNIVERSITIES OFFER THEM.
FORTUNATELY!
WE STILL LIVE IN A WORLD WHERE IN ORDER TO GET ON-THE-JOB EXPERIENCE!
YOU NEED THE DEGREE!
NOW! THOSE OF US WHO MAY BE LIVING OUTSIDE IF NOT ABOVE OUR MEANS!
HERE! IS WHERE YOU MAY FEEL THE PINCH!
AND! YOU MAY NOT!
IT ALL DEPENDS ON WHAT YOU ARE WILLING TO DO? AND! HOW FAR YOU ARE WILLING TO GO?
THE WORST THAT CAN HAPPEN!
MY IN-LAWS! AT ONE TIME!
CAME EVER SO CLOSE TO FILLING BANKRUPTCY!
BUT! THEY TOLD EVERYONE THEY ARE NOT GOING TO!
EVERYONE! THOUGHT THEY WERE NUTS NOT TOO!
BUT! THEY MADE IT!!!!!!
DURING THIS TIME.
THE WIFE WAS A HAIRSTYLIST, THE HUSBAND NOT ONLY WORKED THE GRAVEYARD SHIFT!
HE STARTED A MULTI SERVICE BUSINESS!
MOVING, DELIVERY, RUBBISH HAULING BUSINESS.
DURING THAT TIME!
THEY HAD JUST ENOUGH TO GIVE THE KIDS MONEY TO GO UP TO THE ICE CREAM STAND AND GET A CONE.
SOMETIMES THEY COULD NOT DO IT!
OTHER TIMES THEY DID.
THEY DID MAKE IT!
NOW! INTO THE MODERN DAY!
THERE ARE MANY WAYS TO CUT COSTS!
ONLY IF YOU THINK ABOUT IT!
ONE IS THE CABLE!
BECAUSE OF THE INTERNET!
YOU CAN WATCH ANY IF NOT ALL YOUR FAVORITE PROGRAMS/SHOWS ONLINE!
IN SOME WAYS EVEN CHEAPER THAN WATCHING IT ON CABLE!
THERE ARE SITES LIKE NETFLIX, HULU AND HULU PLUS AND OTHERS.
THAT WHEN YOU LOOK INTO THE PRICE AND WHAT THEY OFFER!
EVEN YOUR SPORTS CAN BE FOUND ONLINE.
ALSO! THERE ARE SITES WHERE YOU CAN EVEN WATCH CURRENTLY MOVIES THAT ARE GOING THROUGH THE THEATERS ONLINE!
AND! ON MOST OF THEM YOU DO NOT NEED TO DOWNLOAD ANYTHING TO WATCH THEN.
KEEP IN MIND!
THOSE OF YOU WHO CANNOT AFFORD CABLE OR INTERNET!
YOU CAN GO TO THE LIBRARY AND TAKE OUT MOVIES!
BUT! FIRST COME! FIRST GET IN THE WAY OF MOVIES.
THE EARLIER YOU GET THERE!
THE BETTER THE SELECTION.
IF YOU KNOW SOMEONE WHO HAS CABLE.
CUT A DEAL WITH THEM AND ASK IF THEY COULD RECORD IT FOR YOU.
WARNING!!!!!
DO NOT DOWNLOAD POP-UPS THAT TELL YOU. YOU NEED TO DOWNLOAD THIS FLASH PLAYER, OR THIS PLAYER!
IF YOU RUN INTO A PROBLEM WATCHING A MOVIE LET'S SAY!
KEEP IN MIND!
THERE ARE TWO THINGS RUNNING AT THE SAME TIME!
THE SPEED OF THE SITES PLAYER.
AND THE SPEED OF YOUR ISP!
ALSO! YOU CAN SAVE ON YOUR ISP AS WELL.
LOW COST ISP'S
I USE AN ISP THAT PROVIDES 4G MOBILE FREQUENCY ACCESS TO THE INTERNET.
/www.clear.com
I PAY $49.95 A MONTH FOR FULL INTERNET SERVICE.
AND YES!
IF YOU NEED TOO!
TRY BRINGING YOUR COFFEE WITH YOU WHERE EVER YOU GO.
TRY BUYING A COFFEE AND OR SPICE MILL AND GRIND YOUR OWN BEANS.
THE SECRET TO A GREAT CUP OF COFFEE!
IS ALWAYS HAVE A CLEAN COFFEE MACHINE, POT, WATER (YOU CAN USE SPRING, FILTERED WATER.
AND THE BET TASTING COFFEE IS WHEN YOU CAN BUY YOUR COFFEE BEANS AND GRIND THEM YOURSELF.
FRESH GROUND BEANS=FRESH COFFEE!
HOW TO MAKE A GREAT TASTING COFFEE AT HOME AND AT WORK
OR READ THIS INSTEAD
WHAT I FIND IS THAT WHEN THE COFFEE IS DONE!
REMOVE THE GROUNDS ASAP SO THAT THE OILS FROM THE GROUNDS DO NOT SEEP IN THE COFFEE AND WHEN DONE.
STIR THE COFFEE BEFORE YOU SERVE THAT WAY THE COFFEE IS STIRRED EVENLY SO WHATEVER IS ON THE BOTTOM IS BLENDED IN.
THE FRESHER THE BEANS!
THE BETTER THE COFFEE!
AND! KEEP YOUR EYE ON THE SPECIALS ESPECIALLY THE ONES THAT HAVE A GOOD DEAL ON COLD CUTS.
ALSO! THERE MAY BE TIMES WHERE YOU DO HAVE TO BROWN BAG IT TO WORK JUST TO SAVE SOME MONEY!
OR! WHEN YOUR SANDWICH SHOP HAS A SPECIAL ON IT'S SANDWICHES.
THIS WAY WHEN THERE IS A SALE!
YOU DON'T FEEL SO BAD ABOUT DOING IT.
EVERYONES FAVORITE!!!!!
COUPONS!!!!!!
IF YOU LIVE IN AN AREA WHERE THE STORES OFFER DBL.OFF COUPONS.
HERE'S SOMETHING YOU MAY OR MAY NOT KNOW!
WHAT YOU DO NEED OT KNOW WHEN IT COMES TO USING YOUR COUPONS WISELY!
YOU NEED TO KNOW YOUR ITEMS AND WHAT IS THEIR NORMAL PRICE! AND WHAT IS BY THE STORE DISPLAY IS REALLY A "JACKED-UP" PRICE OF THE ITEM.
WHEN YOU KNOW THAT ITEM IS REALLY ON SALE! YOU HAVE A COUPON FOR IT!
AND YOU HAVE WHAT SOME STORES CALL ADVANTAGE/SAVINGS CARD.
THERE! YOU JUST SAVED MONEY!
AND SOME STORE HAVE A CERTAIN CENTS OF ON A GAL. OF GAS WHEN YOU SPEND AT THE STORE.
NOW! FOR THOSE OF YOU WHO ARE MATURE (SENIORS).
THERE ARE BUSINESSES THAT OFFER DISCOUNTS TO YOU!
ALL YOU HAVE TO DO IS ASK!
SOME PLACES OFFER DISCOUNTS TO PEOPLE 50 AND OVER!
NOW! HERE IS SOMETHING THAT SOME IF NOT MOST OF YOU NEVER EVEN THOUGHT OF!
"PAY YOURSELF FIRST"!
NOW SOME PEOPLE DO FREE SIMPLE BASIC BUDGET MANAGEMENT PLANING WHILE OTHERS ARE NOT SO SURE!
THE BEGINNERS GUIDE TO SAVING .
AS YOU ARE PLANING YOU BUDGET.
DON'T FORGET TO PAY YOURSELF FIRST!
THERE IS A REASON FOR THAT I'LL LET YOU FIGURE THAT ONE OUT!
SEE BELOW!
THE "REAL" SECRET TO YOUR BUDGET IS NOT ONLY STICK TO IT!
BUT!!!!!!
ALWAYS BE ACCOUNTABLE FOR EACH AND EVERY CENT, DOLLAR THAT COMES IN! AND GOES OUT!
MANY A DAY!!!!!!
PEOPLE COME INTO FINANCIAL COUNCILORS FOR HELP!
AND THEY ARE TOLD TO COME BACK WITH THE SPREADSHEET WITH ALL THE MONEY THAT GOES IN AND OUT!
THEY COME BACK!
AND THE FIRST THING THE COUNCILOR SEES IS!
THERE IS MORE MISC. THAN ANYWHERE ON THE SHEET!
AND THEY ASK!
"WHAT IS THIS (MISC.)?
THEY TELL THEM: "WE DON'T KNOW"!
YOU SEE WHY IT IS SO VERY IMPORTANT TO BE ACCOUNTABLE?
IF YOUR HOBBY IS COIN COLLECTING!
FOR A TIME!
THINK ABOUT WHICH COINS YOU CAN PART WITH AND WHICH ONES YOU CANNOT.
YOU CAN ALWAYS RECOUP WHAT YOU DID OR DON'T HAVE.
WHATEVER YOU DO!!!!
DO NOT!!!!
PAWN YOUR POSSESSIONS AT ANYTIME!
BECAUSE IF YOU DO!
YOU WILL (GIVE THE SITUATION YOU ARE CURRENTLY IN) WILL PAY INTEREST ON IT!
AND MAY NOT BE ABLE TO GET IT BACK FOR WHATEVER REASON THERE IS!
THINK ABOUT HAVING A YARD/TAG SALES EACH AND EVERY YEAR?
PHONE SERVICE!
MOST OF US HAVE A CELL PHONE AND A LANDLINE.
LOOK AT HOW MUCH YOU ARE PAYING TO HAVING A LANDLINE?
VS. YOUR CELL PHONE?
CUT THE CORD ASAP POST-HASTE!!!!!!
YOU CAN EVEN GET IF YOU QUALIFY A FREE CELL PHONE AND FREE MINUTES WITH DEPENDING ON THE COMPANY AND HOW THEY DEDUCT THE TIME THESE COMPANIES DO VERY.
http://www.bing.com/search?q=government+subsidized+cell+phone+service&FORM=AWRE
I DO NOT RECOMMEND ASSURANCE-WIRELESS AT ALL!
I GIVE IT "NO STARS" AT ALL.
THE CSR'S DO NOT KNOW WHICH END IS UP AT ANYTIME!!!!!!!
SAFELINK IS ONE COMPANY THAT IF YOU HAVE A PROBLEM!
WHEN YOU CALL THEM ON THEIR CELL PHONE!
THEY WILL TAKE THEIR SWEET OLD TIME IN SERVING YOU AND DEDUCT YOUR MINUTES AS THEY ARE TAKING TO YOU.
NOT GOOD!
INVESTING!
START INVESTING WITH JUST A FEW DOLLARS
IF YOU DON'T KNOW HOW TO!
HERE ARE THE BASICS
IF YOU ARE NOT SURE!
THEN TRY PLAYING THE STOCK MARKET WITH FAKE MONEY AND LEARN AS YOU PLAY THE VIRTUAL STOCK MARKET WHAT ARE Stock Market Simulators
THERE ARE MANY WAYS TO INVEST IN TODAY'S WORLD!
AN INTERESTING WAY!
IS INVESTING IN REAL ESTATE INVESTMENT TRUST (REIT) .
NOW! THIS TYPE OF INVESTMENT IS EXCELLENT!
AS YOU WILL SEE!
THEY INVEST IN INCOME PROPERTIES.
NOT THE TYPE/KIND YOU ARE THINKING OF!
REIT'S INVEST IN OFFICE, MEDICAL INDUSTRIAL SHOPPING COMPLEXES.
THESE ARE THE ONES THAT HAVE A HIGH RATE OF RETURN AND LOW RATE VACANCIES.
THIS IS MADE SO THAT ANYONE CAN INVEST IN THEM.
EVEN IF YOU CANNOT INVEST IN THEM DIRECTLY!
YOU CAN INVEST IN THEM VIA MUTUAL FUNDS.
DEPENDING ON THE FUND.
MOST START AT $5,000 AND UP.
BUT YOU CAN INVEST IN THEM IF YOU SET UP AN IRA THEN IT'S $2,500 TO START.
YOU CAN EVEN INVEST IN COMPANIES DIRECTLY WITHOUT A STOCK BROKER. .
THE BASICS .
IF YOU INVEST IN A STOCK/FUND THAT HAS DIVIDEND REINVESTMENT PLAN OR DRIPS FOR SHORT.
LEAVE IT IN THERE!
OVER TIME IT WILL BE ABLE TO BUY SOME MORE SHARES FOR YOU.
YOU DO NEED TO MAINTAIN A SPECIFIC AMOUNT EACH AND EVERY MONTH TO STAY ACTIVE WITH THE COMPANIES INVESTMENT PLAN.
HOW TO INVEST IN PENNY STOCKS!
THEY ARE ALSO KNOWN AS GROWTH STOCKS!
THESE TOO ARE RISKY!
BUT! WHEN YOU DO FIND ONE!
IT CAN PAY-OFF BIG!
IF YOU ARE GOING TO INVEST A LOT AS YOU BECOME SLOWLY RICHER!
DO NOT PUT YOUR EGGS ALL IN ONE BASKET!
DIVERSIFY!
THIS WAY!
IF ONE STOCK DOE NOT PERFORM WELL.
YOU CA GET RID OF IT IF YOU WANT.
OR HANG ON TO IT.
REMEMBER WHAT IS SAID EARLIER ABOUT "PAY YOURSELF FIRST"?
THERE IS ANOTHER REASON FOR IT!
PAY YOURSELF FIRST!
HOW TO CREATE AN EMERGENCY FUND.
http://www.bing.com/search?q=how+to+create+an+emergency+fund%3f&FORM=AWRE
SAVINGS ACCOUNT VS. INVESTING.
http://www.bing.com/search?q=Savings+Account+vs+Stock&FORM=R5FD5
LOOK AT THE APY YOUR BANK IS PAYING YOU!
LOOK AT INVESTING!
KEEP IN MIND!
BOTH BANKS AND INVESTING DO HAVE RISKS!
BANKS DO GET TAKEN OVER BY THE FEDS.
IN HOPES TO BE BOUGHT BY THE BIG BOYS.
AND YOU CAN LOSE SOME OR ALL OF YOUR INVESTMENT(S).
BUT! THE RATE OF RETURN ON STOCKS IS 4 TIMES MORE THAN IF YOU JUST LEAVE YOUR MONEY IN A BANK.
HOW MANY OF YOU REMEMBER!
WHEN THE BANKS APY ON CD'S WERE 20% AND UP?
THAT WAS IN THE 80'S!
BECAUSE THERE WAS LITTLE INTEREST IN THEM!
THEY BROUGHT THE APY DOWN.
HOW TO INVEST AND OR SAVE FOR RETIREMENT.
http://www.bing.com/search?q=HOW+TO+INVESTOR+SAVE+FOR+RETIREMENT%3F&qs=n&form=QBRE&pq=how+to+investor+save+for+retirement%3F&sc=0-0&sp=-1&sk=&cvid=3bf44c5d09f740419433de1033ea132e
ACCIDENTAL INSURANCE
http://www.bing.com/search?q=HOW+TO+HAVE+ACCIDENTAL+INSURANCE&qs=n&form=QBRE&pq=how+to+have+accidental+insurance&sc=0-20&sp=-1&sk=&cvid=34c997387d954516a569b454f6368105
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