Saving N Spending

---

• Look For These Red Flags When Buying a House
• Calculating the Cost of Renting a Car
• Living on a Budget increases Personal Wellness
• Managing Your Monies: Best Way to Keep Your Cash in Hand
• Pre-Owned Vs. New: Five Questions To Ask Before Making Your Next Big Purchase

Look For These Red Flags When Buying a House Posted: 14 Apr 2014 05:23 AM PDT Asbestos has been used over the years in different types of manufactured products and home materials. Althought asbestos pipe covering was scrapped off the market in the mid-1970′s, it remains in products such as brake pads and roofing materials. Many churches, schools, office buildings, and recreational facilities built during this time may still contain an abundance or trace amounts of asbestos. As recently as the 1990s, asbestos was still used regularly, and the potential risk of encountering asbestos is higher in older buildings. There are a few red flags home-buyers should look for when purchasing an older home. The dangers of asbestos Exposure to asbestos increases your risk of developing lung disease, and anyone can be a victim. Smokers are at higher risk, but generally the greater exposure, the greater chance of developing harmful health effects. Many are first exposed by inhaling asbestos fibers already in their homes by disturbing asbestos-containing materials as they remodel. One of the most common health implications is mesothelioma, caused by prolonged asbestos exposure. Mesothelioma is a progressive disease in which the lungs are scarred by inhaled asbestos fibers, and may lead to death. Often, by the time symptoms appear, the disease has already progressed to a point where treatment may be more difficult, if helpful at all. Many of the symptoms of mesothelioma, including shortness of breath, pain in the chest or sides, and persistent cough are similar to many other conditions making a correct diagnosis more difficult. It may often be difficult to link past asbestos exposure to current symptoms as these symptoms may not appear until 20 to 30 years after the exposure.There is no safe level of exposure and people may be exposed without knowing it. Seeking legal help If you have been diagnosed with mesothelioma caused by prolonged asbestos exposure, it is important to seek legal help which may further inform you of your rights and help weigh your options. For many, treatment for mesothelioma can be costly and create financial strain on individuals and their families. You may be eligible for financial compensation if your exposure was due to negligence on the part of the manufacturer or owner of where you were exposed. Current defenders in asbestos litigation include manufacturers whose products knowingly contained asbestos. Be informed and wary about buying an older house and hire an inspector to help you ensure your home is a safe environment for you and your family. Inspectors will check roofing, pipes, ceilings, and tiles which may contain asbestos materials. There are also asbestos-removing companies who will safely remove existing traces of asbestos including pipe insulation and other hazardous roofing materials. Red flags for potential homeowners When buying an older house, it is important to be aware of any and all environmental hazards which may affect the health of your family. Some things to be on the look out for include: radon water contamination, asbestos, lead paint, underground storage and septic tanks, moisture in the basement, black mold, defective roofing, mixed plumbing and aluminum wiring. This article was contributed on behalf of Shrader & Associates L.L.P., a respected law firm you should consider when seeking representation for cases involving mesothelioma and asbestos. Check out their website today and see how they can help you!  The post Look For These Red Flags When Buying a House appeared first on . Related posts: Do You Need a Medical Negligence Solicitor? Five Things You May Overlook When Getting Your House Ready to Sell Cancer Treatments Can Be Paid for Using a Viatical Settlement

Calculating the Cost of Renting a Car Posted: 13 Apr 2014 08:29 PM PDT Although the majority of motorists that drive every day choose to buy their own vehicle, either with cash or on credit, an increasing number are looking at renting as a viable alternative. If you were to request quotations from the kind of company that offers short-term rentals to visitors from overseas, you would probably come to the conclusion that it is financial suicide to rent instead of buy but if you take a look at the deals offered by firms that specialise in long-term corporate and private vehicle leases, the maths begins to look a lot more appealing. To make it easier for people to evaluate the total cost of leasing a car rather than buying one, I have listed a number of key points to bear in mind when you are doing your calculations. You don't have to worry about selling a leased vehicle once you are finished with it. If you buy a car, whether on finance or an outright cash purchase, there will eventually come a day when you would like to get rid of it and drive something new. Owing to depreciation, it will be worth much less than when you bought it and if you borrowed money to finance the purchase, you could end up getting less for it than your outstanding debt in certain circumstances. With rental vehicles, there is no need to worry about depreciation or the hassle of finding a willing buyer when you fancy a new car. Running costs are usually very similar. Whether you rent or buy, you will need to find money for fuel, regular servicing carried out by a qualified mechanic and cleaning products such as car shampoo, polish and wax. However, some firms offer optional maintenance contracts which cover regular services so if you would like to know in advance how much you will be spending on maintaining your vehicle every year, these contracts are worth considering. Business owners can claim back VAT. If you run your own company and you are planning to use a rental vehicle for both business and pleasure, you should be able to reclaim at least 50% of the VAT that is included in the monthly rate. If you will be using it just for business, you may well be able to reclaim all of the VAT. In order to take advantage of these rebates, your business will need to be VAT registered so if it is not already, you might like to look at the possible benefits and drawbacks associated with registering in the future. If your annual mileage is lower than average, your rental costs could be lower too. Long-term lease charges are usually based partly on vehicle depreciation figures and because a high mileage car will fetch less on the second hand market, drivers that cover a great distance during the course of a year will find that they have to pay more. Conversely, motorists with more conservative driving habits will benefit from lower rates. Most providers are quite flexible so if it looks like you are going to exceed an agreed annual mileage, they will simply adjust your monthly rate accordingly. These are the key points to consider, as far as I am concerned. If you can think of any others then of course you should include them in your calculations before deciding whether to rent or buy your next car. There are pros and cons associated with both options but as many people seem unaware that leasing can be a very cost effective solution, I wanted to let other motorists know that they do have a real choice nowadays. About the Author: Leasing Options is a company in the UK that has over 8000 different vehicles for rent from different manufacturers. Their website http://www.leasingoptions.co.uk/ features information about their rental process. The post Calculating the Cost of Renting a Car appeared first on . Related posts: Five Reasons To Lease a New Car 6 Things You Should Know About Personal Contract Hire Is Van Leasing More Attractive Than Buying?

Living on a Budget increases Personal Wellness Posted: 13 Apr 2014 07:46 PM PDT Living on a budget increases personal wellness in a variety of ways. Managing your money reduces stress, which can prevent serious health problems. People who live on a budget are more likely to maintain a healthier diet because they eat at home. Living on a budget also helps people save money, which might be needed for unexpected health issues. Discover more about the benefits of living on a budget to learn how it can increase personal wellness. Reduces Stress People who live on a budget experience less stress compared to those who do not manage their money responsibly. Most people with money problems experience a great deal of stress. Stress can contribute to a variety of serious health problems. Many people with high levels of stress experience headaches, high blood pressure, and chest pain. Stress can also make it difficult for people to react to certain situations. Stress can also make it difficult for people to sleep, which can affect their personal and professional life. Older people who experience stress are also more likely to have a stroke or heart attack. Living on a budget eliminates unnecessary stress and promote healthy wellness. Promotes Healthy Eating People who live on a budget are more likely to maintain a healthier diet because they eat at home. Most people on a budget refrain from eating out because it can be very expensive. Fast food restaurants are generally not healthy due to the high amount of fat in the food. People who eat at home are more likely to eat fruits and vegetables. They also tend to shop for healthier foods because they tend to be cheaper and it is what fits into that their budget. While going to the nearest grocery store for their food, there are also other options of shopping with companies like Melaleuca and many others that center their business around selling health products. Prepares For Unexpected Health Issues People who live on a budget are more likely to save money, which might be needed for an unexpected health issue. Some people save a certain amount of money each month to prepare for unexpected expenses. A trip to the emergency room or even a simple doctor visit can be very expensive. Although medical insurance reduces the cost of healthcare, some people are still required to pay out of pocket expenses. People who don't live on a budget might not be pay for unexpected medical issues. Living on a budget increases personal wellness. People who manage their money experience less stress. Most people on a budget eat at home, which promotes healthy eating. People on a budget are also more prepared to pay for unexpected health issues. The post Living on a Budget increases Personal Wellness appeared first on . Related posts: Economic Crisis Increases The Awareness Of A Budget How to Manage Personal Injury Stressors The Top Five Personal Finance Tips That Will Save You Time and Money

Managing Your Monies: Best Way to Keep Your Cash in Hand Posted: 13 Apr 2014 07:36 PM PDT Money management is an art. Art is anything well done, and whatever is done well requires self-discipline. The best money managers are self-disciplined, and plan cash flow so that every bill is paid on time. They know how to budget the money they have coming in and live on less if that is necessary. They understand the importance of savings and make that a never ending goal. Managing Cash Flow Cash flow is the art of having the exact amount needed to pay each bill when it comes due. Cash surplus should be invested in a savings account that is readily accessible. Long-term investments should not be made until sufficient cash is available for current needs Paying Bills Annually Taxes and insurance premiums may be paid at different intervals. Check all of the intervals to discover which one requires the least amount of cash. Devise a plan to pay that amount every year.  One method of reaching your goal is to divide the annual premium by 12 and deposit that amount in a savings account each month. Use Credit Cards Wisely Choose a credit card that pays cash back on items that you frequently purchase. Be certain that you pay the entire amount owed on the due date. This may easily be done by setting up online payments.  In addition, you may choose to purchase inexpensive office equipment using your credit card. Use your savings account to accumulate the needed amount, use your credit card to make the purchase, and pay the bill a month later.  Credit card debt is one of the biggest reasons bankruptcies happen, which requires a good lawyer to work out the finite details. Buildings and Equipment Most people need to finance large purchases. The best place to secure financing is your bank. Your bank has all of the information needed to complete the paperwork and make the loan almost immediately. However, you should shop for other lenders. A fraction of a percent can amount to a large sum of money over several years. Creating a credit line Businesses need credit lines. Each entity sets up automatic loans at their personal banks, and when cash is needed, the bank automatically lends the money. The loan is repaid at the agreed contract rate from the entity's checking account. The Key is Planning The key to good money management is planning. Sources of income and credit lines provide the business with resources to maintain profitability and solvency. Nevertheless, financial difficulties do arise, and businesses may be forced into bankruptcy. When that happens, owners should seek the advice of competent bankruptcy attorneys to find the best solution for their specific situation. With a knowledgeable attorney on your side, you will be much more capable of finding a desirable solution. With these ideas behind you and your new money aware outlook you will be able to become more financial stable. Whichever issue you are struggling with in your life, the principles are for the most part the same and can help you through any situation. The post Managing Your Monies: Best Way to Keep Your Cash in Hand appeared first on . Related posts: Smart and Easy: Five Tips For Managing Your Family’s Fiances 4 Ways to Save Your Cash at the Bank How to Get Cash Advance Loan Without Checking Account

Pre-Owned Vs. New: Five Questions To Ask Before Making Your Next Big Purchase Posted: 13 Apr 2014 07:31 PM PDT Before making a new purchase, you need to know whether it is better to buy that product new or pre-owned. While there are pros and cons to each, you should understand your own personal situation before making a decision. Here are five questions that you can ask yourself before choosing new vs. used items: How Often Will You Use It? The first question that you should ask yourself is how often you will use the product. If you don’t need it that often, it may be a better idea to buy the product used and save some money. Home and garden tools are not used very often, but are usually very sturdy, making them a great used purchase. You should also consider buying something used if you don’t know whether you will need it often in the future. For example, you should buy used golf clubs if you have never golfed before. What Is the Price Savings? How much do you save when you buy something used instead of new? If you are buying a car, you almost always save thousands when you buy used instead of new. By waiting until the latest model year is over, you get an even better deal because you don’t have to worry about the car depreciating as quickly. Used cars can be found in great condition and be very reliable if you talk to the right dealers, says the professionals at Overland Park Mazda. Luggage and electronics are other items that can be found in excellent condition for a fraction of the price. Which Is the Better Value? You have to ask yourself whether or not buying used and saving money presents a better value. For example, buying a used furnace for your basement may not be the best way to spend your money, because it could need extra maintenance due to its age. It may also need to be replaced before a new one would. Old kitchen appliances may also need more repair or simply quit working, requiring you to pay more money for a replacement. Is It Safe to Use A Product After it Has Been Used Already? Some products are unsanitary to use after someone else has already used them. You wouldn’t want to buy used underwear or a bathing suit that someone else has already worn. If you have allergies, purchasing used furniture would also be a poor choice, since previous owners may have had pets on the furniture that will make your health suffer. Which Is Easier to Find? Sometimes, you buy a new product because you have a larger selection of new products as opposed to used products. If it is easier to buy something new as opposed to used, or vice versa, you should take the path of least resistance if the price doesn’t bother you. The new versus used debate will never cease to exist in the minds of consumers. Only you know if you are getting the better deal, so you should consider your budget and your needs before making your next purchase. The post Pre-Owned Vs. New: Five Questions To Ask Before Making Your Next Big Purchase appeared first on . Related posts: Making More Money by Using Coupon Codes Big Purchase Approaching? 4 Major Buys that Start with a Consultation Making the Most of Your Investments

You are subscribed to email updates from To stop receiving these emails, you may unsubscribe now.	Email delivery powered by Google
Google Inc., 20 West Kinzie, Chicago IL USA 60610