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Friday, October 12, 2007
Sunday, October 7, 2007
Best Car Donation Tips To Save You Money On Your Taxes
Best Car Donation Tips To Save You Money On Your Taxes
04th October 2007
Author: Helen Hecker
In the United States it's possible to donate a vehicle (usually a car, but it can be a boat or any other form of transportation) to certain charities, and in return be able to claim a tax deduction on your personal income tax return. A car donation may be accepted on the condition that the vehicle doesn't have to run but should be in towing condition. A charitable car donation may be worth more than a trade-in.The new rules allow the donor to deduct only the amount the charity receives for the vehicle. Charities usually provide you with a release of liability when they take your vehicle, and after the car sells, they send you a tax-deduction form that explains how much they received for your car. There have been car donors who needed a new vehicle and they ended up buying donated and repaired vehicles.You may have an old vehicle sitting on your property or on the street that you don't use very often. Make sure you have the title in hand if you call in your donation. You can usually donate a sad-looking car that's not running, depending on the charity. The donor benefits from the donation by receiving a tax receipt for the highest possible value of the vehicle. It's good to know that when you donate a car, you'll get it off your property within just a couple of days, freeing up space in the garage, in the driveway or even your yard.Your vehicle has to have all four of the tires inflated in order to be accepted. By donating a car it can eliminate spending money on repairs, advertising fees and the problems or liabilities associated with selling a vehicle. In some cases charitable car donors can still claim fair market value for their used vehicle.If your automobile, truck, boat, motorcycle, RV or aircraft is no longer of use to you, it can still go a long way toward supporting the charity of your choice. Make sure to fill out the forms the charity representative gives you and have them ready for the driver when he comes to pick up the car. No need to pay for advertising, no loss of privacy and possible security risk, and no need to pay for vehicle registration, insurance, and repairs to keep your car in running condition while you wait for a buyer.Also, if your car is running, consider dropping it off with the charity yourself to save the organization from paying for towing costs. For states that require smog certificates or safety inspection certificates, you can donate your vehicle without these documents. And some cars may not qualify for the tax exemption because of the condition they're in. There are a few exceptions in the new tax law regarding the fair market value section, for example, you may base your deduction on the vehicle's fair market value if the charity sells it to a needy individual at a discounted price or if the charity uses the car as part of its mission instead of selling it. Some charities have the capability to repair or perform maintenance and get a donated vehicle ready for sale. A vehicle donation is allowed if you itemize your income tax return. Whether it's the law in your state or not it's a good idea to protect yourself by having proper insurance coverage on your vehicle until it's donated. One of the exceptions to the new IRS regulations allows donors to still deduct the fair market value of their vehicle, provided the charity materially improves the vehicle. If you donate a car you can get a tax break and help your community at the same time. Major charity car donation programs include: Kidney Foundation Car Donation Program, Target and Goodwill Industries. Whatever the case, your car donation, like any charitable donation, will get you a good tax deduction, will go to help someone in need and it'll make you feel good that you were able to help in some way.For info on choosing the best charity car donation, car donation program, used or charitable car donation online and offline go to http://www.Car-Donation-Info.com for tax deduction tips, reviews, and info on all types of car donation
This article is free for republishingSource: http://www.a1articles.com/article_222911_19.html
04th October 2007
Author: Helen Hecker
In the United States it's possible to donate a vehicle (usually a car, but it can be a boat or any other form of transportation) to certain charities, and in return be able to claim a tax deduction on your personal income tax return. A car donation may be accepted on the condition that the vehicle doesn't have to run but should be in towing condition. A charitable car donation may be worth more than a trade-in.The new rules allow the donor to deduct only the amount the charity receives for the vehicle. Charities usually provide you with a release of liability when they take your vehicle, and after the car sells, they send you a tax-deduction form that explains how much they received for your car. There have been car donors who needed a new vehicle and they ended up buying donated and repaired vehicles.You may have an old vehicle sitting on your property or on the street that you don't use very often. Make sure you have the title in hand if you call in your donation. You can usually donate a sad-looking car that's not running, depending on the charity. The donor benefits from the donation by receiving a tax receipt for the highest possible value of the vehicle. It's good to know that when you donate a car, you'll get it off your property within just a couple of days, freeing up space in the garage, in the driveway or even your yard.Your vehicle has to have all four of the tires inflated in order to be accepted. By donating a car it can eliminate spending money on repairs, advertising fees and the problems or liabilities associated with selling a vehicle. In some cases charitable car donors can still claim fair market value for their used vehicle.If your automobile, truck, boat, motorcycle, RV or aircraft is no longer of use to you, it can still go a long way toward supporting the charity of your choice. Make sure to fill out the forms the charity representative gives you and have them ready for the driver when he comes to pick up the car. No need to pay for advertising, no loss of privacy and possible security risk, and no need to pay for vehicle registration, insurance, and repairs to keep your car in running condition while you wait for a buyer.Also, if your car is running, consider dropping it off with the charity yourself to save the organization from paying for towing costs. For states that require smog certificates or safety inspection certificates, you can donate your vehicle without these documents. And some cars may not qualify for the tax exemption because of the condition they're in. There are a few exceptions in the new tax law regarding the fair market value section, for example, you may base your deduction on the vehicle's fair market value if the charity sells it to a needy individual at a discounted price or if the charity uses the car as part of its mission instead of selling it. Some charities have the capability to repair or perform maintenance and get a donated vehicle ready for sale. A vehicle donation is allowed if you itemize your income tax return. Whether it's the law in your state or not it's a good idea to protect yourself by having proper insurance coverage on your vehicle until it's donated. One of the exceptions to the new IRS regulations allows donors to still deduct the fair market value of their vehicle, provided the charity materially improves the vehicle. If you donate a car you can get a tax break and help your community at the same time. Major charity car donation programs include: Kidney Foundation Car Donation Program, Target and Goodwill Industries. Whatever the case, your car donation, like any charitable donation, will get you a good tax deduction, will go to help someone in need and it'll make you feel good that you were able to help in some way.For info on choosing the best charity car donation, car donation program, used or charitable car donation online and offline go to http://www.Car-Donation-Info.com for tax deduction tips, reviews, and info on all types of car donation
This article is free for republishingSource: http://www.a1articles.com/article_222911_19.html
Investment Clubs for Kids: Investing Isn't Just For Grown-ups
Investment Clubs for Kids: Investing Isn't Just For Grown-ups
05th October 2007
Author: alvin toh
Investment clubs can be a fantastic opportunity for kids to learn about investing. As they learn about investments they will develop a better understanding of money.How to get startedThe first step is to find a kid-friendly investment club. Browse investment club websites to determine if there are special sections devoted to teaching children or teens about investing. Speak with your neighbors, friends and colleagues to find out if they know of any investment clubs for kids. If you can't find a suitable club you can start your own. Consider getting together with other parents to start an investment club for kids.Choosing a portfolioOne of the hardest things with any investment club is deciding on the specific investments to make. Children have less money to work with than adults so it is important to stick to stocks that are well within their budget. What is most fun for kids is to choose stocks from companies they are familiar with. Think about clothing, food, computer, game software or other companies they use products from.Learning about stocksBefore deciding on what stocks to invest, teach your kids to learn more about the companies they are considering. Children can learn more about a company from its website, by reading its annual report or by looking at its daily stock reports and trends.Finding money to invest in stocksChildren can start by saving their allowance to invest in stocks. Open a savings account at a local bank so they can easily make periodic deposits. Teach children to save part of the money they receive as birthday or Christmas gifts. Older children can be paid extra for completing additional chores around the house. When children are old enough to work outside the home encourage them to take on a part-time job. Parents can help children by setting up a matching program where parents will match the investment amount the child has.Keeping track of investmentsChoose an investment club that offers interactive charts and reports. This will allow you and your child to record and keep track of their investments. Set aside a certain day of the week to spend an hour looking at how the stocks are doing. Make sure to stay on top of the investments and sell stocks when necessary. Follow the market trends using the newspaper or Internet to determine how you think the chosen stocks will perform. Teach children to make a connection between current events and stock trends.------Investing just isn't for grown-ups only. Even young children can learn about investing through investment clubs for kids. Learn more about joining and starting an investment club at www.aboutinvestmentclub.com/home
05th October 2007
Author: alvin toh
Investment clubs can be a fantastic opportunity for kids to learn about investing. As they learn about investments they will develop a better understanding of money.How to get startedThe first step is to find a kid-friendly investment club. Browse investment club websites to determine if there are special sections devoted to teaching children or teens about investing. Speak with your neighbors, friends and colleagues to find out if they know of any investment clubs for kids. If you can't find a suitable club you can start your own. Consider getting together with other parents to start an investment club for kids.Choosing a portfolioOne of the hardest things with any investment club is deciding on the specific investments to make. Children have less money to work with than adults so it is important to stick to stocks that are well within their budget. What is most fun for kids is to choose stocks from companies they are familiar with. Think about clothing, food, computer, game software or other companies they use products from.Learning about stocksBefore deciding on what stocks to invest, teach your kids to learn more about the companies they are considering. Children can learn more about a company from its website, by reading its annual report or by looking at its daily stock reports and trends.Finding money to invest in stocksChildren can start by saving their allowance to invest in stocks. Open a savings account at a local bank so they can easily make periodic deposits. Teach children to save part of the money they receive as birthday or Christmas gifts. Older children can be paid extra for completing additional chores around the house. When children are old enough to work outside the home encourage them to take on a part-time job. Parents can help children by setting up a matching program where parents will match the investment amount the child has.Keeping track of investmentsChoose an investment club that offers interactive charts and reports. This will allow you and your child to record and keep track of their investments. Set aside a certain day of the week to spend an hour looking at how the stocks are doing. Make sure to stay on top of the investments and sell stocks when necessary. Follow the market trends using the newspaper or Internet to determine how you think the chosen stocks will perform. Teach children to make a connection between current events and stock trends.------Investing just isn't for grown-ups only. Even young children can learn about investing through investment clubs for kids. Learn more about joining and starting an investment club at www.aboutinvestmentclub.com/home
Strategies for Conscious Spending
Strategies for Conscious Spending
05th October 2007
Author: Ouida Vincent
In my last article "Infallible Money Rules for the Free Agent", I discussed three money rules that are essential to master if anyone is to "make it" in the world of free agency.Rule number 3 was "You must spend consciously". I explained what conscious spending is but I left out strategies for conscious spending.Spending consciously is essential for successful free agency. A free agent who does not spend consciously will never be free.Conscious spending is spending money in accordance with your values and principles. It is in essence choosing to spend rather than finding yourself saying with some degree of regularity "I just don't know where the money went." It is the word "choice" that brings consciousness to your spending.Most people tell me that they have no choice but to pay their bills...I always ask, "are you choosing your bills?" What I mean is most people choose the bills they have. Here is an example...When I was dating the person who became my spouse I got a calling card, I got a cell phone, I had a regular credit card and my usual land line. My phone bill was over 500 dollars per month. Treating these services as necessities, here I was drowning in bills I chose to have. Just as I chose to have them I could choose not to have them. With all those ways to make calls throughout the day what was I really trying to communicate? I was simply trying to communicate to the person I was in love with that I was in love with them. Yes the phone was convenient but what other ways could I communicate that love? Cards, letters...phone calls at night when the rates were lowest. The moment I made that realization, I moved into consciousness around one area of my spending.I then began looking at all of my bills and asked myself if I needed a particular service. If I could not answer "yes" right away I canceled that service. I then asked myself ...do I have to pay the same amount for the same service from the same vendor or can I negotiate? I found that I could negotiate. I found that I could get a cheaper plan from my cell provider without a compromise in service. I cut my cable bill in half from the same provider without a change in my plan.By looking at my bills and negotiating with vendors I found that I could free up capital that I didn't even know I had to apply toward my higher purpose.I then asked myself another question every time money was about to leave my hand: Do I have to have this now? If my honest answer was no, I did not buy the item. Instead I put the item on a list. If I still wanted it after a month, I bought it. This strategy virtually eliminated my impulse buying. If I determine that I have to have the item now, then I bless the money as it leaves my hand saying: "All money that leaves my hand returns to me multiplied."So we have 3 strategies so far:1) Choose your bills2) Negotiate with your vendors3) Determine your immediate need for everything that you buyStrategy number 4 is the one that few people ever do. It is the one my sister used when she and her family started out and it is the one that I laughed at as she did it. Here it is: record every penny that leaves your hand. Every penny. I have a note book. I categorize the expenditures at the end of 30 days.Do it for 30 days and your life will never be the same. Do it and you will never spend unconsciously again. Do it and you won't need the first three strategies.Do this and you will always know what your values are. Do this and you will be in absolute integrity with yourself around money, always. This will happen because you will ask yourself as you spend an record your expenditures what is this expenditure really supporting? Is it supporting my business, my family, my freedom?Do this one step and you will always know why you spend.Do it and the life of the successful free agent will be yours.------Like most people I went to school to get an education and learn a profession. When I graduated and began working, I realized something was very wrong. The path that I thought would lead me to freedom was instead leading me into quicksand. I got out of the quicksand when I joined the Free Agent Nation. You can find out more about the Free Agent Nation at http://www.freeagentnationonline.com
05th October 2007
Author: Ouida Vincent
In my last article "Infallible Money Rules for the Free Agent", I discussed three money rules that are essential to master if anyone is to "make it" in the world of free agency.Rule number 3 was "You must spend consciously". I explained what conscious spending is but I left out strategies for conscious spending.Spending consciously is essential for successful free agency. A free agent who does not spend consciously will never be free.Conscious spending is spending money in accordance with your values and principles. It is in essence choosing to spend rather than finding yourself saying with some degree of regularity "I just don't know where the money went." It is the word "choice" that brings consciousness to your spending.Most people tell me that they have no choice but to pay their bills...I always ask, "are you choosing your bills?" What I mean is most people choose the bills they have. Here is an example...When I was dating the person who became my spouse I got a calling card, I got a cell phone, I had a regular credit card and my usual land line. My phone bill was over 500 dollars per month. Treating these services as necessities, here I was drowning in bills I chose to have. Just as I chose to have them I could choose not to have them. With all those ways to make calls throughout the day what was I really trying to communicate? I was simply trying to communicate to the person I was in love with that I was in love with them. Yes the phone was convenient but what other ways could I communicate that love? Cards, letters...phone calls at night when the rates were lowest. The moment I made that realization, I moved into consciousness around one area of my spending.I then began looking at all of my bills and asked myself if I needed a particular service. If I could not answer "yes" right away I canceled that service. I then asked myself ...do I have to pay the same amount for the same service from the same vendor or can I negotiate? I found that I could negotiate. I found that I could get a cheaper plan from my cell provider without a compromise in service. I cut my cable bill in half from the same provider without a change in my plan.By looking at my bills and negotiating with vendors I found that I could free up capital that I didn't even know I had to apply toward my higher purpose.I then asked myself another question every time money was about to leave my hand: Do I have to have this now? If my honest answer was no, I did not buy the item. Instead I put the item on a list. If I still wanted it after a month, I bought it. This strategy virtually eliminated my impulse buying. If I determine that I have to have the item now, then I bless the money as it leaves my hand saying: "All money that leaves my hand returns to me multiplied."So we have 3 strategies so far:1) Choose your bills2) Negotiate with your vendors3) Determine your immediate need for everything that you buyStrategy number 4 is the one that few people ever do. It is the one my sister used when she and her family started out and it is the one that I laughed at as she did it. Here it is: record every penny that leaves your hand. Every penny. I have a note book. I categorize the expenditures at the end of 30 days.Do it for 30 days and your life will never be the same. Do it and you will never spend unconsciously again. Do it and you won't need the first three strategies.Do this and you will always know what your values are. Do this and you will be in absolute integrity with yourself around money, always. This will happen because you will ask yourself as you spend an record your expenditures what is this expenditure really supporting? Is it supporting my business, my family, my freedom?Do this one step and you will always know why you spend.Do it and the life of the successful free agent will be yours.------Like most people I went to school to get an education and learn a profession. When I graduated and began working, I realized something was very wrong. The path that I thought would lead me to freedom was instead leading me into quicksand. I got out of the quicksand when I joined the Free Agent Nation. You can find out more about the Free Agent Nation at http://www.freeagentnationonline.com
Cheap motor loan can help you buy your dream car
Cheap motor loan can help you buy your dream car
05th October 2007
Author: Scarlette Riley
Cheap motor loan is gaining in popularity in the contemporary loaning arena, as having a motor vehicle is a personal and business necessity. Cheap motor loan on competitive rates are offered in market. Comparison must be made between the offers on the basis of annual percentage rate involved. Annual percentage rate is the sum total of the interest rate and other overhead cost. Cheap motor loan can be availed in two ways that is by placing collateral and without placing collateral. Features of secured cheap motor loan• Involves collateral, here collateral can be car, home or any other valuable papers. • Low interest rate• Favorable terms and conditions• CollateralFeatures of unsecured cheap motor loan:• Involves no collateral• Low interest rate• No risk on assetFavorable terms & conditionsCheap motor loan is also available online which is reliable, convenient and involves no processing fees and low overhead costs. Your repaying capacity, credit history and other factors are taken into account for approving the loan. Cheap motor loans are what one can rely on, as the lenders are ready to offer the loan at lower interest rates if you meet certain parameters. Cheap motor loans are usually offered against property of the borrower. Good repaying capacity backed by annual income and bank statements reduces interest rate. Lender won’t approve higher amount than the value of the car especially when the car is placed as security of the loan. Loans are to be returned back in shorter duration of 5 to 7 years. The rate of interest will be comparatively higher in unsecured loans . Car must be bought from a reliable dealer for quality concerns. Motor loans are planned in such a manner that any body from any class can afford a car. Motor loans are always cheaper and the repayment term can well extend from 36 months to 72 months. You should always pay your installments in time to avoid bad debt. So what are you waiting for, go for motor loans and make your dreams come true. Set your hands upon the latest model from the market.Scarlette started on a horse back and had a few falls herself. Therefore, she knows Financial decisions are to be made after considerable thought and backed by good financial understanding. To Know more about cheap car loans, unsecured car loans, car loan in the uk, used car loan uk visit http://www.cheapcarloansuk.org.uk
05th October 2007
Author: Scarlette Riley
Cheap motor loan is gaining in popularity in the contemporary loaning arena, as having a motor vehicle is a personal and business necessity. Cheap motor loan on competitive rates are offered in market. Comparison must be made between the offers on the basis of annual percentage rate involved. Annual percentage rate is the sum total of the interest rate and other overhead cost. Cheap motor loan can be availed in two ways that is by placing collateral and without placing collateral. Features of secured cheap motor loan• Involves collateral, here collateral can be car, home or any other valuable papers. • Low interest rate• Favorable terms and conditions• CollateralFeatures of unsecured cheap motor loan:• Involves no collateral• Low interest rate• No risk on assetFavorable terms & conditionsCheap motor loan is also available online which is reliable, convenient and involves no processing fees and low overhead costs. Your repaying capacity, credit history and other factors are taken into account for approving the loan. Cheap motor loans are what one can rely on, as the lenders are ready to offer the loan at lower interest rates if you meet certain parameters. Cheap motor loans are usually offered against property of the borrower. Good repaying capacity backed by annual income and bank statements reduces interest rate. Lender won’t approve higher amount than the value of the car especially when the car is placed as security of the loan. Loans are to be returned back in shorter duration of 5 to 7 years. The rate of interest will be comparatively higher in unsecured loans . Car must be bought from a reliable dealer for quality concerns. Motor loans are planned in such a manner that any body from any class can afford a car. Motor loans are always cheaper and the repayment term can well extend from 36 months to 72 months. You should always pay your installments in time to avoid bad debt. So what are you waiting for, go for motor loans and make your dreams come true. Set your hands upon the latest model from the market.Scarlette started on a horse back and had a few falls herself. Therefore, she knows Financial decisions are to be made after considerable thought and backed by good financial understanding. To Know more about cheap car loans, unsecured car loans, car loan in the uk, used car loan uk visit http://www.cheapcarloansuk.org.uk
Friday, October 5, 2007
Benefiting from Online Surveys
Benefiting from Online Surveys
07th September 2007
Author: mv276
Benefiting from Online SurveysIt seems that every time I go online I am bamboozled and confronted with pop-ups, empty offers and get-rich-quick schemes. Rarely, if ever, do these offers materialize as legitimate opportunities, and it seems that clicking one will amount to nothing more than twenty minutes of wasted browsing and the promise of future spam bombardment. One of the most prevalent online-offer sectors is survey taking. Shady start-up websites promise cash, rewards and sweepstake prizes to the unknowing browser, only to wind up twisting their offers in a web of fine-print and phony qualification requirements. Online survey taking can be a fun and rewarding experience, but choosing a legitimate and stable survey-site is essential. Here are a few tips.Basic web design:I know more than one sagacious mother would gasp at this statement but in many cases online, you can judge a book by its cover. In general if a survey-site has a professional look and pedigree, there is a good chance that the site is owned and operated by a major market research group, and has legitimate corporate clients. These companies are more likely to stay true to their offers and place a high premium on you “opinions” (read: more reward resources). This is not to say that that a website with a professional look wouldn’t swindle you or visa-versa, but in general it is a good policy to stay away from pop-up caliber survey carriers, especially when your time and rewards are at stake!Sign Ups:Under no circumstances should one pay to become a member of an online survey panel. There are many reputable survey-sites that are on a continuous search for serious panelists and will provide them with steady participatory opportunities and rewards. Any service or website that makes you pay to share in these opportunities is essentially robbing you.Join a Panel:Most sites that will allow you to click a few buttons and give a few off-the-cuff opinions are illegitimate and do not have the means to reward you in full. Legitimate market research sites will invite you to join a panel instead. Being part of a market research panel will allow you to be contacted whenever a survey is being conducted, and will not waste your time if your particular demographic is not needed. There is nothing worse than sitting through a half-hour questioning only to find that “you do not qualify for this survey”. Rewards:Most online-survey sites offer some type of reward or incentive to participation. Some offer steady cash, some offer random lottery prizes and others provide goods and services as compensation. In the survey world, one would be best served by choosing the steady and tangible prize opportunities. For example, http://www.myopinionnow.com, a growing and online research site, offers certain point values to its panelist after each survey taken (point values vary based on the length and intensity of the survey). The site has an online catalog of electronics and prizes with which each point can be redeemed, as well as a cash-to-point value equator if one would rather be compensated monetarily. One should avoid the “win a trip to Miami” type-prizes, as the odds stacked against personal compensation are staggering on such websites. There are other sites like MyOpinionNow.com which do a great job of turning your opinions into cool stuff over time, and it’s worth it to seek them out.Hopefully with this information in hand you can become a well-compensated survey taker, shaping the products of tomorrow while putting some easy money in your own pocket!
This article is free for republishingSource: http://www.a1articles.com/article_211358_63.html
07th September 2007
Author: mv276
Benefiting from Online SurveysIt seems that every time I go online I am bamboozled and confronted with pop-ups, empty offers and get-rich-quick schemes. Rarely, if ever, do these offers materialize as legitimate opportunities, and it seems that clicking one will amount to nothing more than twenty minutes of wasted browsing and the promise of future spam bombardment. One of the most prevalent online-offer sectors is survey taking. Shady start-up websites promise cash, rewards and sweepstake prizes to the unknowing browser, only to wind up twisting their offers in a web of fine-print and phony qualification requirements. Online survey taking can be a fun and rewarding experience, but choosing a legitimate and stable survey-site is essential. Here are a few tips.Basic web design:I know more than one sagacious mother would gasp at this statement but in many cases online, you can judge a book by its cover. In general if a survey-site has a professional look and pedigree, there is a good chance that the site is owned and operated by a major market research group, and has legitimate corporate clients. These companies are more likely to stay true to their offers and place a high premium on you “opinions” (read: more reward resources). This is not to say that that a website with a professional look wouldn’t swindle you or visa-versa, but in general it is a good policy to stay away from pop-up caliber survey carriers, especially when your time and rewards are at stake!Sign Ups:Under no circumstances should one pay to become a member of an online survey panel. There are many reputable survey-sites that are on a continuous search for serious panelists and will provide them with steady participatory opportunities and rewards. Any service or website that makes you pay to share in these opportunities is essentially robbing you.Join a Panel:Most sites that will allow you to click a few buttons and give a few off-the-cuff opinions are illegitimate and do not have the means to reward you in full. Legitimate market research sites will invite you to join a panel instead. Being part of a market research panel will allow you to be contacted whenever a survey is being conducted, and will not waste your time if your particular demographic is not needed. There is nothing worse than sitting through a half-hour questioning only to find that “you do not qualify for this survey”. Rewards:Most online-survey sites offer some type of reward or incentive to participation. Some offer steady cash, some offer random lottery prizes and others provide goods and services as compensation. In the survey world, one would be best served by choosing the steady and tangible prize opportunities. For example, http://www.myopinionnow.com, a growing and online research site, offers certain point values to its panelist after each survey taken (point values vary based on the length and intensity of the survey). The site has an online catalog of electronics and prizes with which each point can be redeemed, as well as a cash-to-point value equator if one would rather be compensated monetarily. One should avoid the “win a trip to Miami” type-prizes, as the odds stacked against personal compensation are staggering on such websites. There are other sites like MyOpinionNow.com which do a great job of turning your opinions into cool stuff over time, and it’s worth it to seek them out.Hopefully with this information in hand you can become a well-compensated survey taker, shaping the products of tomorrow while putting some easy money in your own pocket!
This article is free for republishingSource: http://www.a1articles.com/article_211358_63.html
How to Get Ahead of Your Bills
Living paycheck to paycheck is a fact of life for many Americans. Many of us simply can’t afford to pay all sorts of extra fees on top of our monthly bills. Here are some tips to help you pay on time, every time and make living paycheck to paycheck more manageable. Make a spreadsheet or written list of your bills and expenses. You may choose to round up each bill by a few dollars to cover slight fluctuations. Some utilities will allow you to pay an average so that your bill doesn’t change throughout the year. This can be extremely beneficial in a few ways. For one, it is a much more predictable way to budget. Secondly, you can avoid a large utility bill right at Christmas, or right at back-to-school time when finances will be tighter anyway. Not getting behind is key. If you do get behind one month, you’ve paid a little more than necessary all along and you may give yourself a temporary break without missing a payment. Most companies will credit you any overpayment toward future months. Just keep paying the same amount, regardless of what your payment due amount is. Another helpful hint is to call all of your current billing agencies. Ask for due dates late in the month. Pay as many bills as possible in advance, towards the beginning of the month. That way, you are far away from the actual due date and can avoid late fees and month-to-month bill pile-up. Also, you have the rest of the month to save for the following bill. If you have an emergency arise, there is money in the bank to use, and time to replace it before it is actually due. You don’t have to wait for the actual bill to arrive, which is generally one or two weeks before the due date, if you over-estimate what the bill will actually be. Then when the bill does arrive, if it is more than you expected, you only have a small amount to make up in a short time, instead of a hefty bill due right now. Be careful not to pay a credit card or loan amount before the new billing period starts, or you may be stuck paying the same amount again within the same month. The interest on a payday loan may be cheaper than the charge from your bank or your bill’s late fee. If you find yourself out of work or in a financial emergency, you’ve usually at least got your bills covered for the next month. Just make sure that you give yourself an allowance of what is left after each paycheck for your other expenses so that you don’t accidentally dip into your bill money before it is time. Some find it helpful to open a second checking account ear-marked for bills only, and take out in cash what you will need from the bank. You’ll avoid overdraft fees as well as late payment fees, boost your awareness of your own personal spending, and put yourself in control of your own financial future.
This article is free for republishingSource: http://www.a1articles.com/article_211492_63.html
This article is free for republishingSource: http://www.a1articles.com/article_211492_63.html
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