Saving N Spending

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• Why Not Invest? The 5 Best Investments Cheat Sheet
• Going Green Can Get Pricey: How to Go Green Without Spending too Much Green
• Saving Money on Your Car and Car Insurance

Why Not Invest? The 5 Best Investments Cheat Sheet Posted: 17 Apr 2014 05:19 AM PDT With the shaky state of Social Security these days, many Americans cannot expect it to provide them with the money they need when they retire. If you want to ensure that you are taken care of in old age, then you need to do your best to make sound investments that will provide you with a nice stream of income as you age. Here is a look at five smart investments you can make to start building your nest egg today. 1. Investment Properties One of the smartest investments you can make is to buy property. Whether you are buying land, houses, multi-unit dwellings or commercial properties, real estate investment is always one of the soundest investment strategies for long-term success. 2. Bonds Bonds are not the sexiest investment option out there, but they are definitely one of the soundest. Smart investors will always ensure that they have a portion of their portfolios invested in bonds. Bonds are not just issued by governments. They are also issued by corporations that are looking to raise money. This is a great investment avenue for those who want to minimize their risk. 3. Stocks When most people think of investments, the stock market is one of the first things that jumps to mind. This is for good reason. Investing in stocks has been repeatedly proven over the years to be one of the most powerful ways for investors to achieve long-term success building their capital. If you want to succeed investing in stocks, make sure that you minimize your fees for transactions. Also, be sure to mix up your stock portfolio to include stocks of many types, including both high and low risk stocks. 4. Mutual Funds The vast majority of people who are currently investing have a mutual fund or two in their portfolios. They are a fairly safe investment vehicle, but they can be heavy on the fees charged by brokerage firms to manage them. Look for low-fee mutual funds. 5. Real Estate When looking for a sold investment that will yield solid returns quickly, real estate is always a great option. The professionals from Binswanger Hectare recommend finding the right type of investment for what you can afford and handle the upkeep for. But the rule of thumb is the larger the investment the larger the pay off. 6. Immediate Annuities An immediate annuity is issued by an insurance company. When you deposit a lump sum into a annuity, you are guaranteed to get a monthly income for the rest of your life. If you die before the amount you paid into the annuity is used up, the insurance company gets to keep the difference. On the other hand, if you live past the time the annuity income is paid out, the insurance company will continue to give you monthly payments for the rest of your life. The key to being a successful investor is to diversify your holdings. You should try to include as many different investment vehicles as possible to minimize your risk of losing all of your investment assets. These five investment avenues are a great place to start. The post Why Not Invest? The 5 Best Investments Cheat Sheet appeared first on . Related posts: Six Ways To Make Investments That Yields The Returns You Can Be Happy With How Your Investments Can Save You Money How You Can Boost Your Retirement Goals With Early Investments

Going Green Can Get Pricey: How to Go Green Without Spending too Much Green Posted: 17 Apr 2014 05:15 AM PDT Although "going green" is now a culturally acceptable and highly desirable lifestyle, some are still resisting the eco-friendly craze because they fear that it will cost them too much money. Yes, some green practices can actually save you money, but you have to spend a substantial amount of money first. People pay a lot for energy efficient appliances, solar panels, or other maintenance or installations around the home that will save them money later down the road, but are hefty investments to begin with. If you haven’t joined the green craze yet because you worry that being eco-friendly will not be so friendly on your wallet, there is still hope. If you want to start small, there are plenty of environmentally friendly practices you can implement into your daily life without spending too much money. Read ahead for a few ideas of how you can go green without wasting any green (money.) Go Paperless One option you may want to consider is going paperless, which is an option that many companies are now offering. You can talk to your electric company, phone company and internet provider about the option of going digital when it comes to your statements, payments, etc. Once you start going paperless, you may realize that there are plenty of ways to go digital in other areas of your life, and soon all of your tasks will be much more organized and efficient. Switching to paperless is an easy way to help the environment, and it won’t cost you a cent. Back to The Basics Before products like napkins, paper towels, paper plates, and other paper products were invented, what did people use? Were they sitting there wishing these kinds of products existed? Perhaps, but they used more eco-friendly methods. You can purchase cloth rags and drying towels instead of using the paper alternative. The price of these paper alternatives may be slightly higher, but these cloth items will last a long time and can easily be thrown in the wash. You’ll be surprised at how much you save by eliminating napkins, paper towels, and paper plates from your grocery list. Insulation Inspiration Keeping yourself warm can use up a lot of energy, especially if your home is not insulated. You can insulate your home properly insulated by installing specific types of linings within your walls and floors. You should pay professionals to insulate your home, however once the home is insulated you will get your money back by the money you save on electricity bills. If you want an even cheaper way to insulate your home, consider investing in a few rugs. Rugs will help to insulate your home by trapping heat instead of letting it escape. Seal the Deal Besides insulation, you can save a lot of money on bills by sealing up any areas where heat could be leaking you out (which costs you more money.) You can purchase a cement sealant, which is quite inexpensive, and inspect your home for holes where heat can escape. Studies show that around 15 percent of heat could be lost through cracks and holes in your floors, walls or ceiling. This will help out in the colder months, plus, you don’t want anything getting in or out of your home through little cracks or holes anyways. Going green does not have to cost a fortune. It is better to take small, yet calculated steps, and you are on your way to a greener life. Yes, some green practices are more drastic and cost quite a bit of money in the beginning. If you aren’t quite ready to invest that much into being green, start small. These simple steps will help you cut down on expenses and help you contribute to a better environment at the same time. You don’t have to spend too much green to live a green lifestyle—you need only look for little ways to help the earth using methods that you are comfortable with. Information for this article was provided by the professionals of the American Environmental Corporation who specialize in fixing and removing underground storage tanks in order to protect the environment. The post Going Green Can Get Pricey: How to Go Green Without Spending too Much Green appeared first on . Related posts: Earning Money From Green Business Cut Down Spending With These 14 Money-Saving Apps Save Money and Remove Stress With These Simple Tips

Saving Money on Your Car and Car Insurance Posted: 16 Apr 2014 07:51 PM PDT If you're a driver, you'll know that owning and running a car isn't cheap. You may save on bus, taxi and train fares, but the soaring prices of fuel and insurance mean that many people are paying over the odds when it comes to their cars. For those who need to drive due to work or family commitments, it's important to be informed when it comes to choosing a vehicle and applying for car insurance. Downsizing Your Vehicle The best way to save money as a driver is to downsize your vehicle. Smaller cars are usually more fuel efficient and cheaper to buy, and if you purchase second-hand, you're guaranteed to save a great deal of money. Pre-owned cars are now safer and more efficient than ever, and if you choose a vehicle that is between three and five years old, you're looking at a car in optimum condition that has already dropped the largest chunk of its sale value. Make sure you purchase from a trusted dealership like Exchange and Mart or carry out all the recommended paperwork checks if you're buying from a private seller. Getting the Best Deal on Your Insurance It's definitely worth doing your research when it comes to car insurance. Informed consumers can compare prices and contact providers to demand more competitive deals. Too many people pay high premiums because they aren't aware of the options available or how to reduce the cost of their insurance. Keep automobile products. When i recognize this specific appears dull, although any time in store saving cash in your motor insurance plan it is crucial. In case you have cart small wheels including a substantial head unit with your vacation you’ll want to ensure these individuals vs theft. What goes on? These kind of will constantly produce your own payment amount strengthen significantly. In case you carry out preserve these products, not ensure these individuals, that you will be working the risk associated with dropping out and about substantial period of time! It is possible to expend fewer through seeking to keep the automobile a little bit longer. Don’t simply industry arranged for any new automobile just about every 2 to 3 many years. Men and women place dollars apart by using minimal trade-in valuations. Should you take into account buying a new automobile, have you thought to sell your current an individual to be a individual advertising. You can obtain exactly what the exact home owner would certainly from the jawhorse, proclaiming to offer you money for any downpayment regarding the new automobile. As a possible alter to your very previous element, put in some sort of automobile security alarm. Automobile frightens are offered and as well fixed relating to only a couple of 100 funds and as well can save you lots of dollars in your coverage calendar month immediately after calendar month. This specific insurance company recognizes this specific when you attaining whatever you decide to may perhaps to prevent your automobile by being thieved and as well provides you with the low cost because of it. Contemplate it for expenses which will fork out an individual raise inside residing within your automobile. If you're over 60 or under 25 you may find yourself in a position where your insurance premiums are considerably higher. This is because all drivers are assessed in terms of the risk they pose to the insurance company, and people in these age brackets are more likely to be involved in accidents and make claims. If you do fall into one of these categories, it's worth getting a more experienced (if you're under 25) or younger (if you're over 60) driver named on your insurance policy. Insurers look more kindly on those who take all the reasonable precautions to prevent theft of or damage to their vehicles. If you have a garage, make sure you use it and put your vehicle away each night. Insurance is usually cheaper for those who have off-road parking and who fit their cars with alarms and other anti-theft devices. The post Saving Money on Your Car and Car Insurance appeared first on . Related posts: Saving on Student Car Insurance How to Find a Great Deal on Car Insurance Insurance Is a Must for Sports Car As They Are Highly Risk Prone

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