Launch Your Profits Like A Rocket

Spring is here and with it brings a renewal of life and attitudes as the drudges and blahs of winter (even a mild one like we had this past season) pass into memory. It is also time to renew efforts in one's business life as well. The best way is to renew your marketing program and launch your profits.

1. Advertise your web site with banner ads that are animated and include a call to action. You must grab people's attention and make them to click.

2. Use pop up windows or advertisements on your web site. They grab your visitors attention because they jump right out at them.

3. Buy internet business books, ebooks, private site memberships, etc. Study and learn all the new web site promotional ideas you can.

4. Analyze all your promotional efforts. Concentrate on the ones that work and drop the ones that don't work. Don't waste your valuable time.

5. Get the most from each one of your visitors. Ask them to subscribe to your e-zine, participate on your message board, bookmark your site, etc.

6. Use text links if your banner ads are not pulling traffic. People don't ignore text links as much as they do banner ads.

7. Trade content with other ezine publishers or web sites. This is a powerful and effective way to place your links on other targeted web sites.

8. Keep your product available to your customers at all times. If you have to backorder it, they may end up canceling their order.

9. Use content on your web site so people can skim through it easily. Most people have little time so try using lists, short tips, short articles,etc

10 Add a message board or chat room to your web site. If people enjoy it, they will revisit your web site to participate regularly.

Come back next time for more tips, tricks and techniques to assist you in your marketing and sales efforts as you learn to live the champagne life on a beer budget. Remember we're all in this together and I'm pulling for you.

Mahalo.

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Coming Up With The Right Investment Strategy

You finally have your financial situation worked out where you have a few extra bucks to invest in your future. But before you do you need to understand exactly what is you need to do and what are your desired results from your investments.

Because investing is not a sure thing in most cases, it is much like a game – you don’t know the outcome until the game has been played and a winner has been declared. Anytime you play almost any type of game, you have a strategy. Investing isn’t any different – you need an investment strategy.

An investment strategy is basically a plan for investing your money in various types of investments that will help you meet your financial goals in a specific amount of time. Each type of investment contains individual investments that you must choose from. A clothing store sells clothes – but those clothes consist of shirts, pants, dresses, skirts, undergarments, etc. The stock market is a type of investment, but it contains different types of stocks, which all contain different companies that you can invest in.

If you haven’t done your research, it can quickly become very confusing – simply because there are so many different types of investments and individual investments to choose from. This is where your strategy, combined with your risk tolerance and investment style all come into play.

If you are new to investments, work closely with a financial planner before making any investments. They will help you develop an investment strategy that will not only fall within the bounds of your risk tolerance and your investment style, but will also help you achieve your financial goals.

Never invest money without having a goal and a strategy for reaching that goal! This is essential. Nobody hands their money over to anyone without knowing what that money is being used for and when they will get it back! If you don’t have a goal, a plan, or a strategy, that is essentially what you are doing! Always start with a goal and a strategy for reaching that goal!


Come back next time for more tips. Tricks and techniques to assist you in Living the Champagne Life on a Beer Budget. Remember we're all in this together and I'm pulling for you.



Mahalo.





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Investing for Retirement – Save Now While You Can

Retirement may be a long way off for you – or it might be right around the corner. No matter how near or far it is, you’ve absolutely got to start saving for it now. However, saving for retirement isn’t what it used to be with the increase in cost of living and the instability of social security. You have to invest for your retirement, as opposed to saving for it!

Let’s start by taking a look at the retirement plan offered by your company. Once upon a time, these plans were quite sound. However, after the Enron upset and all that followed, people aren’t as secure in their company retirement plans anymore. If you choose not to invest in your company’s retirement plan, you do have other options.

First, you can invest in stocks, bonds, mutual funds, certificates of deposit, and money market accounts. You do not have to state to anybody that the returns on these investments are to be used for retirement. Just simply let your money grow overtime, and when certain investments reach their maturity, reinvest them and continue to let your money grow.

You can also open an Individual Retirement Account (IRA). IRA’s are quite popular because the money is not taxed until you withdraw the funds. You may also be able to deduct your IRA contributions from the taxes that you owe. An IRA can be opened at most banks. A ROTH IRA is a newer type of retirement account. With a Roth, you pay taxes on the money that you are investing in your account, but when you cash out, no federal taxes are owed. Roth IRA’s can also be opened at a financial institution.

Another popular type of retirement account is the 401(k). 401(k’s) are typically offered through employers, but you may be able to open a 401(k) on your own. You should speak with a financial planner or accountant to help you with this. The Keogh plan is another type of IRA that is suitable for self employed people. Self-employed small business owners may also be interested in Simplified Employee Pension Plans (SEP). This is another type of Keogh plan that people typically find easier to administer than a regular Keogh plan.

Whichever retirement investment you choose, just make sure you choose one! Again, do not depend on social security, company retirement plans, or even an inheritance that may or may not come through! Take care of your financial future by investing in it today.


Come back next time for more tips. Tricks and techniques to assist you in Living the Champagne Life on a Beer Budget. Remember we're all in this together and I'm pulling for you.



Mahalo.





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How To Reduce Your Credit Card Debt

Here we are heading towards the holiday season and people are starting to plan out their shopping a bit early this year due to the economic conditions. But before one starts building up more credit card debts, one should look to where they are and if they need to , reduce any credit card debt they already have.

Reduce credit card debt and eliminate it before it assumes a horrifying shape. This is really the gist of the story. So, how do you reduce credit card debt? Well, you reduce credit card debt by preventing it from increasing and by paying off what it is currently. Simple, isn't it?

Not really. If it was that simple to reduce credit card debt, then we wouldn't have had so many people with credit card debt related problems. We would have been able to reduce credit card debt problems and finally eliminate them (or reduce them significantly). There are all kinds of advice available on how to reduce credit card debt, but still nothing much seems to change. The problem still seems to persist and in fact, worsen. However, it's not that difficult to reduce credit card debt. As we just said, there is a lot of advice available on how to reduce credit card debt and the only thing you need to do is put that advice, on how to reduce credit card debt, to practice in real life. Well, no one but you will benefit if you reduce credit card debt.

So the first step to reduce credit card debt is to prevent it from taking dangerous proportions. The 2 most important ways of implementing this step are; balance transfers and use of cash.

Balance transfer is often treated as the number one measure to reduce credit card debt. This is really something that can help reduce credit card debt by slowing down the pace at which your credit card debt is getting built. It also provides you relief in terms of the APR being 0% for initial 6-9 months (and hence helps reduce credit card debt faster). To reduce credit card debt using this mechanism, you need to transfer your balance from your current credit card(s) onto another credit card that has a lower APR than your current card. Thus you reduce credit card debt by preventing it from increasing so rapidly.

The other preventive measure to reduce credit card debt is to use cash instead of card (as such, hard earned cash is difficult to get out of pocket as compared to just a credit card). So you reduce credit card debt by not adding more to it. That is the simplest way to reduce credit card debt.

However, you can reduce credit card debt only if you stick to your resolution to reduce credit card debt; otherwise it will fail miserably.

Come back next time for more tips. Tricks and techniques to assist you in Living the Champagne Life on a Beer Budget. Remember we're all in this together and I'm pulling for you.

Mahalo.

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Claiming State Held Missing Money that Belongs to You

According to Missingmoney.com, within the United States alone, billions of dollars of unclaimed missing money is collecting dust in state Abandoned Property offices. If extrapolated to include the funds held world wide by similar organizations in other countries, the sum of unclaimed missing money could exceed $500 billion dollars. Hmmmm, that's almost enough to bail the economic community out of its current financial debacle.

Every day, for various reasons, People move away and do not update their address, they lose track of some of their investments, they die without a will, and who knows why else...but, they leave money in banks, in utility accounts, security deposits, and many number of other ways. Some of these monetary items end up in the state's possessions after they are declared abandoned by the organization or financial institution that held them. These forgotten bank accounts, un-cashed stock dividends, insurance payments, safe deposit box contents, utility deposits, travelers checks, money orders and other financial instruments are turned over to the state's Treasurer's Escheats, Comptroller's, or Revenue office who then try to track down the owners and return the money.

By the amount of unclaimed and missing money on record, it appears these state offices are under staffed and not very successful in locating the owner's of the missing money. All 50 states have a Department of Revenue and Unclaimed Property or some similarly named division. This is the office responsible for maintaining the missing money and processing claims for it. Some states have limitations on how long they keep abandoned property before turning it over to state coffers; however they most keep it indefinitely. Some states even pay interest on the money if the property was originally an interest bearing instrument. You must check with your individual state and find out what their procedures are.

If you think you may have missing money held by your state, your first step is to contact the correct state agency to find out whether your name, or in the case it is the estate of a deceased individual, their name is on the list. Each state maintains a publicly available list of abandoned property holdings. If you or the person you represent is on the list your next step is to file a claim and return the form with the required identification or proof of ownership. Requirements for proving ownership vary from state to state, based on the amount of the claim and other factors. Acceptable identification many include copies of driver's licenses, receipts, social security cards and numbers, bank account numbers, savings passbooks, checking account and bank statements, or other notarized documents.

It has been speculated that ten percent of the U.S. population is owned money from abandoned property and missing money coffers. The state departments do not have the resources to investigate every case; therefore much of it goes unclaimed. There are professional finders, or heir searchers who locate the owners of missing money and charge a fee or commission in exchange. Professional finder's of missing money generally limit their activity to large estate findings. Be careful if you enlist a professional service to locate your potential missing money.

There are billions of dollars in unclaimed property and missing money sitting in your state coffers. There is a good chance that some of it belongs to you. You, your neighbors, relatives, co-workers, friend, and many many others have an interest in what happens to all of this missing money. Are you going to stake your claim or be a loser because you failed to take advantage of the services that your state offers? Are you going to claim your missing money?

Come back next time for more tips. Tricks and techniques to assist you in Living the Champagne Life on a Beer Budget. Remember we're all in this together and I'm pulling for you.

Mahalo.

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Investing Basics – Determining Your Investment Goals

The stock market is starting to turn to the positive after being down for the last year and a half. That means it is time to start thinking about getting back in and getting your fortune abck on track. Bit before you start investing, or reinvesting, you need to ask yourself the most important question:

What are my investing goals?

When it comes to investing, many first time investors want to jump right in with both feet. Unfortunately, very few of those investors are successful. Investing in anything requires some degree of skill. It is important to remember that few investments are a sure thing – there is the risk of losing your money!

Before you jump right in, it is better to not only find out more about investing and how it all works, but also to determine what your goals are. What do you hope to achieve with your investments? Will you be funding a college education? Buying a home? Retiring? Before you invest a single penny, really think about what you hope to achieve with that investment. Knowing what your goal is will help you make smarter investment decisions along the way!

Too often, people invest money with dreams of becoming rich overnight. This is possible – but it is also rare. It is usually a very bad idea to start investing with hopes of becoming rich overnight. It is safer to invest your money in such a way that it will grow slowly over time, and be used for retirement or a child’s education. However, if your investment goal is to get rich quick, you should learn as much about high-yield, short term investing as you possibly can before you invest.

You should strongly consider talking to a financial planner before making any investments. Your financial planner can help you determine what type of investing you must do to reach the financial goals that you have set. He or she can give you realistic information as to what kind of returns you can expect and how long it will take to reach your specific goals.

Again, remember that investing requires more than calling a broker and telling them that you want to buy stocks or bonds. It takes a certain amount of research and knowledge about the market if you hope to invest successfully.

Come back next time for more tips. Tricks and techniques to assist you in Living the Champagne Life on a Beer Budget. Remember we're all in this together and I'm pulling for you.



Mahalo.





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Why The Stock Market?

We are past the market meltdown of 2009 and things are looking up for investors once again. With the new financial regulation being pushed through congress one can safely start thinking about getting back into the game.

The potential for higher returns are far better from the stock market than from many of the safe investments available. $1 wisely invested in the stock market can bring many multiples in returns when compared to leaving money in a bank (where interest can be shockingly low).

Many people believe that the stock market is too risky – yes, there is an element of risk, and yes you could potentially lose your capital…but investors who take the time to educate themselves and fine-tune their investment skills have a far better chance of getting much better returns on their capital than those who opt for 100% safe investments. It’s also important to note that often, when one leaves their money in a bank, the actual returns from the interest do not even cover the cost of inflation – in some cases it’s possible to actually lose money in real terms because inflation is higher than the general interest received.

In fact, investing in the stock market offers something for every type of investor, from risk averse to those who are willing to take on calculated risks in order to achieve higher returns. There are also scores of investment funds where the investor does not need to know anything about stock markets or investment – the fund manager invests on your behalf, usually in return for a fee. There is of course no guarantee that a fund will deliver outstanding performance (or will not incur a loss) but if anyone ought to know about beating the market it would be fund managers.

Having said all this there are also risks inherent with stock market investment. When you deposit your money in a bank your capital is not really at risk – with stock market investment you run the risk of losing all the money that you invest if the stock goes bust. Also, while many analysts look at past performance of companies and markets we all know of the disclaimer that says “the past is not necessarily a guide to future performance” – in other words what has brought success before may not always bring success in the future. The market can be a real enigma at times.


Why The Smaller Investor Has Advantages Over Huge Multinational Funds When It Comes To Scooping Up Higher Investment Returns

You would be forgiven in thinking that with all the professional managers, funds and resources at their disposal that investment funds would win head over heels against the smaller investor like you and I. In fact this is not at all the case – smaller investors have several advantages over the big funds and have every chance of beating their returns on investments. Here’s why:

The individual investor does not have to invest millions and so they can invest in small caps (tiny growth companies) that have the potential to grow many times over. These stocks are typically far too illiquid for funds to enter.
The smaller investor can get in and out of a stock with the simple click of a mouse or a phone call (and get roughly the same sale price per share). The larger funds have to gradually sell their holdings in a company (they may have millions of shares to offload – not an easy or quick thing to achieve).
Individual investors can effectively trade positions for small gains – something that larger funds simply do not have the ability to do.

On top of this, the internet has more or less facilitated the smaller investor to have access to the same information at the same time as the big city fund managers. Arguably, the individual investor also has the added advantage of speed – a fund manager may have to get approval in order to buy into a company (not a case for the individual investor) and cannot take advantage of special situations (such as buying on breaking news and so on).

Remember however, if you really want to become a “professional investor” – one who is savvy enough to beat the market and essentially make a living from investments then you need to learn as much as you can about how the market works, how to analyze companies, the part psychology plays in driving markets and how to create an investment/trading system that’s right for you. Even the masters of investing such as Warren Buffet and Jim Slater all started from scratch. Warren Buffet once did not know what the PE of a company meant. Jim Slater once did now know how to read the balance sheet of a company. They educated themselves and discovered how to pick stocks that have excellent potential – you could be doing the same. The first step to investment is to invest in yourself and your education. To offer an overused yet apt phrase – KNOWLEDGE IS POWER!

Come back next time for more tips. Tricks and techniques to assist you in Living the Champagne Life on a Beer Budget. Remember we're all in this together and I'm pulling for you.



Mahalo.





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Unknown Unclaimed Money Sources

Generally when someone discusses unclaimed money or missing assets they talk in terms of bank saving accounts, safety deposit vaults, deposit certificates, estates owned, money orders that were not cashed, insurance policies that are terminated or matured, term deposits, non refunded utility deposits and many more similar type commerces operations. There are many other transaction that generate unclaimed money. Some of the lesser know other type of unclaimed money sources are Unclaimed Child Support Payments, Unclaimed Indian Trust Royalities, Holocaust Claims, and Unclaimed War Claims.

Unclaimed War Claims:
In 1981 the Federal Government completed a program to determine the validity and amount of claims against the German Democratic Republic (GDR) and again in 1986, against the Socialist Republic of Vietnam that resulted from the nationalization or other taking of property on or after April 29, 1975, when the Government of the Republic of Vietnam (South Vietnam) was overthrown for losses which arose from the nationalization or other taking by that government of property interests of nationals of the United States. The Federal Government granted awards to 2,437 claimants and a settlement agreement, which provided funds for the payment of the awards, was concluded with the Federal Republic of Germany on May 13, 1992.

In 1986, the Federal Government granted awards to 192 claimants and a settlement agreement, that provided funds for the payment of the awards, was concluded with the Socialist Republic of Vietnam on January 28, 1995. The Department of the Treasury, Financial Management Service, began advising claimants on the status of the program on September 25, 1992.



Holocaust Claims:
In February 2001, the Holocaust Claims Resolution Tribunal published the names of the owners of approximately 21,000 accounts that probably or possibly belonged to victims of Nazi persecution. In January 2005, the CRT published approximately 2,700 additional names of Account Owners and approximately 400 additional names of Power of Attorney holders of accounts probably or possibly belonging to Victims of Nazi Persecution.


Unclaimed Indian Trust Royalities:
Funds retained in Federal Indian trust accounts amount to approximately $3 billion. About $480 million is owned by individuals, the rest is held for Tribes. The funds are held in trust by the U.S. Government for over 315 Tribes and approximately 260,000 individuals. Each year, more than $800 million passes through the tribal trust funds system and over $300 million through another Trust account. Investment earnings make up a significant portion of the total receipts.

Funds are derived from the sale or rental of Indian-owned natural resources such as timber or grazing land, and royalties from oil and natural gas exploration and production. Funds also are derived from awards or settlements of tribal claims for lost land or other damages. Interest earned on the invested funds also is part of these funds.



Unclaimed Child Support Payments:
Over the years the states have collected over $96 billion in court-ordered child support that would have typically have gone unpaid each year. Every year since 1998 this has increases from $15 billion to $22 billion with the success rate increasing from 23 percent to 51 percent. But soon changes that are to take effect in October of 2007 will drastically reduce those numbers, do to the lack of federal support to the states in track down deadbeat parents.

States report an undistributed funds pool of over $734 million at the end of 2004 in collected but undistributed child support payments. Many States have a policy, some state lawmakers find it disturbing, that money collected from parents by the state on behalf of children could instead be spent on prisons, roads or legislative staff. Unclaimed child-support funds that do go into the state treasury can later be claimed and paid for the intended children, officials point out. But the practice of sending undisbursed money to the treasury after just one year is still a point of outrage for many.


If you or your family want to find out if you are entitled to funds due to participation in any of these other unclaimed property programs, check all of the states where you have lived previously, or states where your relatives were settled. Also check out states where you may have done businesses or jobs. They all have databases you can look through for your family name. Or let us help you find that money. Our resources cover numerous jurisdictions and Tribunal discovery sources that will assist us to speedily locate any and all unclaimed funds rightfully due you. (URL)


Do you or someone you know have money out there that is waiting to be found? One nevre knows until you check.

Come back next week for more tips, tricks and techniques to assist you in living the Champagne life on a beer budget. Remember we're all in this together and I'm pulling for ya.

Mahalo.


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Forex Trading, Behind The Hype.

Forex trading is the media darling of the year. One cannot view business shows, read business newspapers or sites without being bombarded by ads for Forex trading opportunities or classes. But what is Forex and why the hype?

Forex trading is all about making big money. Some investors have found it quite easy to make a large amount of money as the forex market changes daily. Forex, is the foreign exchange market. Online and offline you will find references to the forex market as FX as well. Forex trading takes place through a broker or a financial institution often where you are able to purchase other types of stocks, bonds and investments.

When you are thinking about getting involved in the forex markets you should know you are sending money to be invested with other countries. This is done to prop up the investments of people involved in certain types of hedge funds, and in the markets overseas. The forex market could have your money invested in one market one day, and the next day your money is invested in another country. The daily changes are determined by your broker or financial institution. When reading your statements and learning more about your account, you will find that every type of currency has three letters that will represent that currency.

For example, the United States dollars is USD, the Japanese yen is JPY, and the British pound sterling will read as GBP. You will also find that for every transaction on your account listing you will see information that looks like this: JPYzzz/GBPzzz. This means that you took your Japanese yen money and invested it into something in the British pound market. You will find many transactions from one currency to another if you have money that is scattered through out the forex markets.

Forex markets trading by investment management firms are the companies you can trust with your money. You want to find a company that has been dealing with forex trading since the early seventies, and not someone just new on the block so you get the most for your hard earned money. It is important that you beware of companies that are popping up online, and often times from foreign countries that are stating they can get you involved in the forex markets and trading. Read the fine print, and know whom you are dealing with for the best possible protection.

If you are interested in trading on the forex market, you will find limits for investing are different from company to company. Often times you will learn that you need a minimum of $250 or $500 while other companies will need $1000 or $10,000. The company you are dealing with will set limits in how much you need to open an account with their company. The scams that are online will tell you, that you only need a $1 or $5 to open an account, but you need to learn more about that company and where they are doing business before investing any money, this is for your own protection while dealing in forex trading and markets online.

Remember there are no guarantees in life, so be careful and only invest what you can afford to lose. Be careful and make sure you study the markets before jumping in cold. Come back next week for more tips, tricks and techniques to living the champagne life on a beer budget. We're all in this together and I'm pulling for you.

Mahalo.

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It's your right to get assistance from Your Government!

Yes the government gives away billions of dollars each year to assist people like you and me for just about anything. Starting a business? Yes there is money for you. Need help with your house or health?

Yes money is available. Who is on your side? Who can guide you?

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The Survey Says....... SCAM!

The Survey Says....... SCAM!

The latest craze for making “easy money” on the net these days is the almighty Survey. I am sure a lot of you have seen these ads:

“Companies Want Your Opinion”
“Make Easy Money Giving Your Opinion”
“Share Your Opinion and Make $100s Weekly”
etc.

I have decided to investigate a few of these and found most of them to be if not downright scams, at least a bit shaky. They seem to lure one in with fast cash and quickly build the cash (or prize points) to a certain level, but one below the payout listed in the agreement. They suddenly “run out” of surveys for you to take, and after a few months of frustration you give up and they don't shell out a thing.

Others are just there to get your name on leads for companies that pay the survey company per lead so that everyone that fills out the forms and gives their opinions, well the survey site makes money and you get a few credits to your account, and then you wait. Then they start sending or offering you surveys that are for products that you have to pay to receive a “free trial” (if it is free, why are you asking for my credit card number?), which of course they are going to charge you and if you forget to cancel at some agreed time (10-14 days usually, sometimes 30), they will put you on automatic billing.

Again the survey site owner keeps getting a commission for every month someone is billed, but you the survey taker only gets taken on both ends. Unless of course it is some product or service you want, but in any case you are not getting your money back through the survey site, nor are you getting your payout.

Of course comes the bigger scams where they offer “great prizes” for redeeming points. Of course most of these set the points so high that after all the paying for “free trials”, buying products etc, one might as well have just bought the item they wanted too in the first place, it would have been cheaper and you wouldn't have a ton of unwanted services, charges and/or magazines and junk mail.

Oh yea I almost forgot about those online survey sites that require a phone number. Why if I am taking online surveys do they need a phone number? Well to sell it of course to telemarketers. You get flooded with calls, and again the site owner makes tons of money and you get to eat cold dinners and interrupted evening activities, or a full voice mailbox.

Another way they offer you to make money is to refer you friends. Of course if you get them 1,000 people they just might pay out in thank you once these friends fill out enough “free trials” and lead generating surveys to make it their worthwhile. Naturally they seem to find ways to limit the number of friends you can have and that is another way to keep from paying out.

Sure some people have claimed to make money from these, but then again maybe not as most people are too embarrassed to admit they are being taken in by these con artists.


The point is if you want to participate, go ahead, just don't expect to make money fast if at all. Be careful out there and if it is too good to be true, it probably is.

Mahalo.

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Easy Money-Saving Techniques

One of the most obvious and easy ways to save some extra cash is to change some of the way you use products and items in your everyday life. The key is to make minor changes. You don't have to go overboard to save money, just use some common sense and old fashioned imagination.

For instance, always buy the cheapest hand soap you can find. The quality doesn’t necessarily go up with the price and you can use it in place of ‘bath soap.’

Always use the whole product. Turn bottles upside down and drain to get the last bit from them. Tear open sugar and flour sacks to get everything; squeeze or cut open tubes to use it all before running out to buy more. You’ll be surprised at how much there really is left!

Also, never use more than you need. Just because it says on the box that you need a full cup, doesn’t mean that you really do it need it. Half a measure of laundry detergent and a half teaspoon of dish soap are examples of what are usually enough, rather than what the manufacturer says.

To save some cash, you can use some of the things in your house in some unique ways. Instead of spending lots of money on the fancy floor cleaners, try using ammonia. It does a great job, and you can use plain water in between times. If your furniture needs some polishing, mix equal parts of white vinegar and vegetable oil and rub on the furniture. Buff with a cloth until it shines.

For a freezer bag, use empty chip bags and close with masking taps. Also try a bowl with a lid, such as a margarine tub.

If your skin is feeling a little dry, there are several substitutes for expensive lotion. Petroleum jelly rubbed into your hands at night after a warm water soak, mayonnaise (rinse w/ cold water after), or any other oil based food. Just be sure to put it on immediately after your hands have been in water.

To save some money on laundry, dissolve a bar of hand soap in water to replace laundry detergent. Add three gallons of hot water, mix thoroughly and add a cup of washing soda.

Sure, these are small changes, but added up, they can put some extra change into your pocket throughout the year!

Hey we're all in this together, and I'm pulling for you. For more tips, check back weekly.

Mahalo.
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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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Placing Your Real estate listings – Using The Internet Vs Newspaper Ads

Whether you are looking to buy a home for living in or whether are looking to just invest in real estate, the first thing you will need to do is get hold of real estate listings in the area you want to invest/live. There are many ways to find these listings, but the Internet and newspapers are the most common ways of getting real estate listings these days.

With internet real estate sites gaining popularity, the internet has become one of the easiest ways of checking out the real estate listings. Though the traditional method of looking for real estate listings, through newspapers, is still one of the most used methods, it is a very time consuming one. You have to read through various listings and sort out the ones that seem more suitable to you (and possibly write down the phone numbers and contact details on a piece of paper) and then call up the owners/brokers to fix an appointment for viewing the property (which may turn out to be totally disgusting in the end).

Newspaper listings generally happen on a weekly basis, and are placed at least couple of days, if not a week, in advance. So if a deal has materialized in the meanwhile, there is no way you can check it without actually calling up the owner/broker. On the contrary, the internet real estate listings (on a good real estate listings website) are updated everyday or maybe twice a week,and it is easier to contact the owner/broker through the site.

Moreover, new real estate listings go up on the internet everyday (i.e. they don’t wait for the newspaper to get published). So, if you have been using only the newspaper as your source of real estate listing information, you might end up getting stale information. You might lose out on a deal that was out on internet, say 2 days before. As such, making the first offer can make a big difference when it comes to winning in the real estate game.

Further, you don’t need to read through all the real estate listings in order to determine the ones that look suitable to you. You can specify various search criteria/ filters in order to get only those real estate listings that you really want to look into. This is a big advantage when compared with newspapers where listings are generally classified just on the basis of location of the property. Thus you can save a lot of time here by browsing only through the real estate listings that are of interest to you. Moreover, there is no need to note phone numbers etc; you can just take printouts of the listings you want. Some websites also provide tools/ facilities to track those real estate listings.

You could even contact the sellers by sending a message through the website (some websites provide such email type of facility). Another important benefit from real estate listings on internet is that some of them also contain images of the property. So you can have a look at the images and see if you like the property at all. Of course nothing will ever take the place of actually going to the property and physically walking through. True Virtual Reality is a good tool, one can only get the true vibes and feel of a place by personally being on the ground. Besides VR and images don't always show a lot of detail.

So, real estate listings on the internet do seem to offer a lot of convenience. However, whether one uses the internet or a newspaper is really a matter of personal choice. Each are good tools, and should have a place in your arsenal.

Mahalo.

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Need to learn how to get and stay out of debt and live debt free?
Tips and techniques outlined in our ebook “Debt Free Living”.

For more information:
http://www.renspubhouse.com/debtfree/debtfree.html

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